vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear US Department XXXX XXXX Servicing : I, XXXX XXXX XXXX MD XXXX have placed Federal Student Loans [ Servicer : XXXX  ] in Income Driven Repayment-IDR, THAT IS CURRENTLY ON PAUSE. As such, I have discovered eligibility of TOTAL DISCHARGE OF THOSE EDUCATIONAL LOANS AND provide MY APPLICATION FOR COMPLETE DISCHARGE. I receivXXXX XXXX XXXX  XXXX, XXXX, Payments AND HAVE AN established medical onset date for XXXX  of at least XXXX before the date of ( XXXX XXXX XXXX XXXX, XXXX  ) XXXX-application for XXXX-discharge, AND I have been receiving SSDI based on XXXX for at least XXXX before the date of XXXX-application for XXXX discharge. I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear US Department XXXX XXXX XXXX  : I, XXXX XXXX XXXX MD , have placed Federal Student Loans [ Servicer : XXXX  ] in Income Driven Repayment-IDR, THAT IS CURRENTLY ON PAUSE. As such, I have discovered eligibility of TOTAL DISCHARGE OF THOSE EDUCATIONAL LOANS AND provide MY APPLICATION FOR COMPLETE DISCHARGE. I receive XXXX XXXX XXXX, XXXX, Payments AND HAVE AN established medical onset date for XXXX  of at least XXXX before the date of ( Total and Permanent XXXX, XXXX  ) XXXX-application for XXXX-discharge, AND I have been receiving XXXX  based on XXXX for at least XXXX before the date of XXXX-application for XXXX  discharge. I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A single late payment was reported on my credit report by XXXX for my credit card account. I believe this mark does not accurately reflect my overall payment history or financial behavior. This was an isolated incident, and since then I have made all payments on time and maintained my account responsibly. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute any information I believe to be incomplete or inaccurate. I respectfully request a review of this late payment entry to determine if it was reported correctly, and if it was, to consider removing it as a goodwill adjustment based on my previously consistent payment record. 

This single late mark is having a disproportionate negative impact on my credit, and I am asking XXXX and the credit reporting agencies to reconsider its inclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A single late payment was reported on my credit report by Chase for my credit card account. I believe this mark does not accurately reflect my overall payment history or financial behavior. This was an isolated incident, and since then I have made all payments on time and maintained my account responsibly. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute any information I believe to be incomplete or inaccurate. I respectfully request a review of this late payment entry to determine if it was reported correctly, and if it was, to consider removing it as a goodwill adjustment based on my previously consistent payment record. 

This single late mark is having a disproportionate negative impact on my credit, and I am asking Chase and the credit reporting agencies to reconsider its inclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A single late payment was reported on my credit report by XXXX for my credit card account. I believe this mark does not accurately reflect my overall payment history or financial behavior. This was an isolated incident, and since then I have made all payments on time and maintained my account responsibly. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute any information I believe to be incomplete or inaccurate. I respectfully request a review of this late payment entry to determine if it was reported correctly, and if it was, to consider removing it as a goodwill adjustment based on my previously consistent payment record. 

This single late mark is having a disproportionate negative impact on my credit, and I am asking XXXX and the credit reporting agencies to reconsider its inclusion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I experian today and sent letters advising that inquiries about my report were fraudulent. I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I experian today and sent letters advising that inquiries about my report were fraudulent. I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment reported on my account, which I believe is inaccurate. I have maintained a consistent history of on-time payments, and this entry does not reflect my true payment behavior. I kindly request that this error be investigated and promptly removed to ensure my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dispute of Inaccurate Credit Reporting Target Store Card ( TD Bank ) To Whom It May Concern, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate and damaging information being reported on my credit file related to my Target store credit card account, serviced by TD Bank. 

Specifically, I have discovered that my credit report contains late payment notations for XX/XX/XXXX and XX/XX/XXXX, which are false and do not accurately reflect my account history. I have maintained timely payments and, on several occasions, paid the account in full well before the due date. These derogatory marks are causing unjustified harm to my credit profile, particularly as I am currently in the process of purchasing a home. 

Under the FCRA, consumers have the right to dispute information on their credit reports and to request that consumer reporting agencies and furnishers of data conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681s-2 ( b ) ). I hereby request that a full investigation be conducted and that TD Bank, as the furnisher, verify and correct the reporting of my Target account in accordance with federal law. 

Supporting Documentation Attached to this letter are statements and payment confirmations clearly showing that payments were made on time during the periods in question. These records support my claim that the reported delinquencies are erroneous. 

Requested Resolution As a fair and lawful resolution, I am requesting the immediate deletion or correction of the inaccurate late payment entries for XX/XX/XXXX and XX/XX/XXXX from my credit report. I further request written verification of the results of the reinvestigation, and that corrected information be forwarded to all consumer reporting agencies to which the inaccurate data was provided ( pursuant to FCRA 1681i ( a ) ( 5 ) ( A ) ). 

If the data furnisher can not provide documented proof verifying the late payments, these entries must be promptly deleted, as required by federal law. Continued reporting of unverified or inaccurate information would constitute a willful violation of the FCRA and could expose the furnisher to liability under FCRA 1681n.

Please consider this letter a formal dispute and reinvestigation request under the FCRA. I expect full compliance within the 30-day timeframe specified by the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
In XX/XX/2024, I made a partial rent payment of {$570.00} to XXXX XXXX XXXX in XXXX, GA. I intentionally withheld a {$70.00} carpet cleaning charge that I was disputing, as it was not listed in my lease and I was never shown documentation of any XXXX 

XXXX XXXX applied my payment toward the {$70.00} charge I did not authorize. This left {$70.00} of my actual rent unpaid, which they then sent to XXXX for collections. I then disputed the charge over email. 

When I spoke with XXXX on the phone ( I will attach a screenshot of the call log ), they told me the {$70.00} balance was listed as a utility debt. However, my lease clearly states utilities were included in rent, and XXXX XXXX confirmed in writing that the charge was for carpet cleaning... not utilities. 

This means : My rent was short due to misapplication of payment A disputed, undocumented " XXXX XXXX' fee caused the shortfall That shortfall was then classified as " Carpet Cleaning Fee '' but at the same time a utility charge and sent to collections I am requesting that this collection be removed entirely and not reported to credit bureaus, as this reporting is misleading and potentially violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am submitting this complaint regarding a balance transfer dispute between Citi Bank and XXXX ( XXXX XXXX card ) that remains unresolved since XX/XX/year>. 


Summary of Issue : In XX/XX/year>, I initiated a balance transfer request from my Citi XXXX  card to pay down my XXXX XXXX card ( ending in XXXX ). 
Citi Bank issued and mailed a physical check to complete the transfer. 
The receiving bank, XXXX, has confirmed in writing that they never received or deposited the check. 
Citi Bank has since provided both the front and back images of the check. 

What the Check Shows : The check was cashed, but cant confirm it was by XXXX. 
The endorsement and deposit information on the back of the check is not clear and does not to appear to be endorsed by XXXX. 
Despite this, Citi has not credited the funds back, nor has it initiated a resolution to recover or reissue the transfer. 

I have contacted both Citi and XXXX XXXX XXXX. Neither party has accepted responsibility or provided a path forward. As a result : I remain liable for a transfer that was not completed as intended. 
There is a clear indication of either fraud or misdirection of funds. 
I have spent over XXXX months trying to resolve this with no success. 
I am at risk for credit XXXX interest accrual, or double payment, despite acting in good faith. 


I respectfully ask the CFPB to help : XXXX. Ensure that Citi investigates the fraudulent deposit and takes steps to recover or reissue the funds. 
XXXX. Ensure that I am not held responsible for the funds lost due to this misdirected or stolen check. 
XXXX. Facilitate communication and accountability between the XXXX institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Reported late payments but I have made payments on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I requested that the account be deleted from collections since that account is paid and is affecting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The only credit inquiries that I have authorized is XXXX XXXX any mortgage inquiries and red white and blue they were all authorized by me everything else was done by an ex-boyfriend that got my social security number and tried to buy himself a new car In early XXXX, various financial inquiries were made by different institutions. Notably, XXXX XXXX and XXXX CARD both had inquiries recorded on XX/XX/XXXX. A series of inquiries were also noted throughout XXXX, including from XXXX on multiple dates, reflecting transactions in personal finance and automotive sectors. 

On XX/XX/XXXX, significant activity occurred with inquiries from XXXX, XXXX, and XXXX, indicating a mix of finance and travel-related interests. The automotive sector continued to feature heavily, with inquiries from businesses like XXXX XXXX XXXX and XXXX. 

As XXXX approached, additional inquiries from XXXX XXXX and members of finance sectors were recorded, with individuals actively engaging in both automotive purchases and financial services. The inquiries for the month culminated in notable transactions on XX/XX/XXXX and XXXX. 

XXXX continued this trend with inquiries from various banks, including XXXX XXXX and again from XXXX XXXX, suggesting ongoing interest in automotive finance and banking services. Overall, the records showcase a consistent pattern of inquiry into financial services, particularly in the automotive and personal finance arenas during the early months of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The only credit inquiries that I have authorized is XXXX XXXX any mortgage inquiries and red white and blue they were all authorized by me everything else was done by an ex-boyfriend that got my social security number and tried to buy himself a new car In early XXXX, various financial inquiries were made by different institutions. Notably, XXXX XXXX and XXXX CARD both had inquiries recorded on XX/XX/XXXX. A series of inquiries were also noted throughout XXXX, including from XXXX on multiple dates, reflecting transactions in personal finance and automotive sectors. 

On XX/XX/XXXX, significant activity occurred with inquiries from XXXX, XXXX, and XXXX, indicating a mix of finance and travel-related interests. The automotive sector continued to feature heavily, with inquiries from businesses like XXXX XXXX XXXX and XXXX. 

As XXXX approached, additional inquiries from XXXX XXXX and members of finance sectors were recorded, with individuals actively engaging in both automotive purchases and financial services. The inquiries for the month culminated in notable transactions on XX/XX/XXXX and XXXX. 

XXXX continued this trend with inquiries from various banks, including XXXX XXXX and again from XXXX XXXX, suggesting ongoing interest in automotive finance and banking services. Overall, the records showcase a consistent pattern of inquiry into financial services, particularly in the automotive and personal finance arenas during the early months of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a formal and legitimate complaint demanding immediate corrective action. My credit report contains clearly inaccurate information that fails to meet the legally mandated standard of maximum possible accuracy. These inaccuracies are causing severe and continuous harm to my financial reputation and personal well-being. I require an immediate and thorough investigation, with all false or unverifiable entries corrected or permanently removed without delay. This matter must be resolved immediately any failure to act will be unacceptable and subject to further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed that I had a few inquiries on my credit report that I do not recognize or did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. I have never missed a payment\n\tXXXX, XXXXXXXX XXXX XXXX\nLast Activity\XXXX XXXX XXXX\t\nTerms\n\n\nRevolving\nScheduled Payment\n\n$3\t$0\nHigh Balance\nXXXXLoan Type\nCharge Account\tCharge Account\tCharge Account\nResponsibility\nIndividual\tIndividual Account\tIndividual\nCompany Name\nXXXX XXXX XXXX XXXXAccount Number\XXXX

Company response to consumer: Closed with non-monetary relief