vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I mailed a loan payment of {$8800.00} on XX/XX/year>. I called XX/XX/year> and the person said that the check was received. I called again on XX/XX/year> and several times after that and was told that there was no record of the check being received. I then decided to pay the loan off and did so on XX/XX/year>. I received the title. They deposited the {$8800.00}. check on XX/XX/year>, which is more than two months after it was written, and the loan had been paid off with other funds. I called several more times and was told that my record was closed and they no record of the check. I called on XX/XX/year> and the person that they were working on it, and I would just have to wait. I mailed certified letters to the headquarters explaining this and requesting the return of my money that they have illegally retained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim {$170.00} balance. 
I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 
I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I Filed a formal dispute on XX/XX/2025 with Equifax to remove inaccurate personal information from my credit report. It has been more than 30 days and my credit report still has the wrong Name ( s ) and address ( s ). Please help me resolve this matter. Thanking you in advance.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I Filed a formal dispute on XX/XX/2025 with Equifax to remove inaccurate personal information from my credit report. It has been more than 30 days and my credit report still has the wrong Name ( s ) and address ( s ). Please help me resolve this matter. Thanking you in advance.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mnet Financial Inc
State: TX

Complaint narrative:
I have been getting nonstop calls, texts, and mail from a XXXX debt XXXX for the last XXXX months starting late XXXX, when no debt is due or has already been paid off from the original bill associated with another company. They have given me an account number which doesn't match up with an existing account at all. When I go to their website to log in the account number they have given me, says account doesn't exist, which is true. I've never spoken or had an account with this company in my life. Here are the phone numbers they have been calling me on. XXXX, XXXX, XXXX, XXXX. Dates of these calls and texts range for XX/XX/XXXX, to today XX/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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
b'XXXX strong arming itch.io into censoring creators via baseless claims.'

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 2025-07-24 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: TX

Complaint narrative:
My credit report contains inquiries from lenders that I did not authorize individually. Some were likely the result of dealer shotgunning my information to multiple lenders, which I did not consent to.

These inquiries negatively affect my credit score and were not authorized.

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 2025-07-24 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NH

Complaint narrative:
Only Experian of the 3 agencies shows 2 accounts with incorrect negative info. I protested the info. They replied that The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. on one, and The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. on the other. The accounts are : XXXXXXXX XXXX, XXXX. Account XXXX, and XXXX XXXX XXXXXXXX Account 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-24 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: AR

Complaint narrative:
I want to make it absolutely clear that this is not a mistake or misunderstanding. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy, as required. These inaccuracies are causing significant and ongoing harm to my financial and personal well-being.

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 2025-07-24 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: MN

Complaint narrative:
In XXXX, I fell behind on my XXXX XXXX XXXX XXXX XXXX  due to serious illness and related financial hardship. Despite this, I resumed payments and ultimately paid the account in full in XX/XX/XXXX. 

Leading up to and following the payoff, I contacted XXXX several times requesting a goodwill adjustment to remove late payment notations from my credit reports. I clearly explained the reasons for my temporary hardship, expressed my commitment to resolving the balance, and requested that XXXX stop reporting derogatory information in exchange for full payment. These emails were sent in XXXX and XXXX of XXXX XXXX never responded. 

As of XX/XX/XXXX, XXXX  and TransUnion are still reporting the account with multiple 30120-day late payments. TransUnion shows the account as 120 days late at the time of closure. This is despite the fact that the balance is now {$0.00} and the loan is paid off. 

XXXX failure to respond to my dispute, investigate my requests, or consider my documented hardship is unacceptable and may violate FCRA requirements. XXXX  does not report the account at all, which also raises concerns about inconsistent and potentially inaccurate reporting practices. 

I have attached documentation including : My email correspondence with XXXX ( XXXX total, no replies ) Screenshots of the TransUnion and XXXX  tradelines Confirmation of final loan payoff I am requesting that XXXX be compelled to : Remove or correct the inaccurate late payment history on my credit reports, or Provide formal documentation that proves a valid investigation was completed

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 2025-07-24 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: MN

Complaint narrative:
In XXXX, I fell behind on my XXXX XXXX XXXX XXXX XXXX  due to serious illness and related financial hardship. Despite this, I resumed payments and ultimately paid the account in full in XX/XX/XXXX. 

Leading up to and following the payoff, I contacted XXXX several times requesting a goodwill adjustment to remove late payment notations from my credit reports. I clearly explained the reasons for my temporary hardship, expressed my commitment to resolving the balance, and requested that XXXX stop reporting derogatory information in exchange for full payment. These emails were sent in XXXX and XXXX of XXXX XXXX never responded. 

As of XX/XX/XXXX, XXXX and XXXX  are still reporting the account with multiple 30120-day late payments. XXXX  shows the account as 120 days late at the time of closure. This is despite the fact that the balance is now {$0.00} and the loan is paid off. 

XXXX failure to respond to my dispute, investigate my requests, or consider my documented hardship is unacceptable and may violate FCRA requirements. Equifax does not report the account at all, which also raises concerns about inconsistent and potentially inaccurate reporting practices. 

I have attached documentation including : My email correspondence with XXXX ( 3 total, no replies ) Screenshots of the XXXX and XXXX  tradelines Confirmation of final loan payoff I am requesting that XXXX be compelled to : Remove or correct the inaccurate late payment history on my credit reports, or Provide formal documentation that proves a valid investigation was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn't look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer 's request for a report of such investigations within 15 days. Where is it? -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was paying on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>2023 and XX/XX/year>2023 I'm now requesting you investigate the account and update these payments to paid on time thank you for your prompt attention on this matter.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UPGRADE, INC.
State: PA

Complaint narrative:
When i opened that account, the credit limit is XXXX. I paying every month, now they put in my account that I have to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX2025 I opened a business account at the XXXX  Bank branch ( XXXX XXXX XXXX XXXX  XXXX, CA XXXX ). Upon opening the account the banker notified me of a promo that was going on currently. The promo was for {$500.00}, in order to redeem the offer you needed to deposit {$5000.00} and maintain that balance for 60 days as well as make XXXX eligible transactions. XX/XX/XXXX I went into the branch and inquired as to why the funds had not been credited to my account. Upon doing research XXXX XXXX ( branch manager ) notified me that the banker had made an error and that he would speak to his superior and get it escalated. He also admitted that it was his teams error in giving me misinformation regarding the promo, and that the promo was indeed attached to my account. The next time I spoke with him I asked for the area leaders contact information so I can gain some clarity at which point in time he assured me that both he and XXXX XXXX ( area leader ) had indeed approved the credit to my account and I just needed to wait for it to be dispersed. Today XX/XX/year> I called the bank and spoke with XXXX the initial banker, I asked to speak to XXXXXXXX  at which point she exclaimed that he was busy, and that they would not be granting me a credit to my account because the promo ended XX/XX/XXXX in reality. I asked whether or not I met promotions for XXXX and she informed me that XX/XX/XXXX began a new promo so I had missed that by a day as well. My request is that the credit be added to my account as XXXX had previously explained would happen. I believe that it would be a fair solution to the issue seeing as he committed to that verbally. Thank you for your time I look forward to a longstanding relationship with XXXX Bank.

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