vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRY : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NM

Complaint narrative:
XXXX sent settlement information to remove from credit report. Company has not removed inaccurate information

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Company Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX Company Contact Information : XXXX XXXX XXXX XXXX XXXX, TX XXXX I am filing a formal complaint against XXXX XXXX XXXX XXXX for reporting inaccurate information on my credit report and failing to correct it, violating my rights under the Fair Credit Reporting Act ( FCRA ). The errors include : 1. Incorrect Balance : My account is marked as Paid, Closed, yet it still reflects a balance of {$1000.00} instead of {$0.00}. 

2. Conflicting Status & Payment Dates : The Last Payment Date is listed as XX/XX/year>, but the account was supposedly paid off in XX/XX/year>, creating inconsistency. 

3. Incorrect Account Terms : The loan term is reported as 120 months ( 10 years ) for a secured loan, which appears inaccurate. 

4. Unclear Creditor Details : The report states Company Sold, but does not clarify to whom the debt was transferred ( if applicable ). 

5. Failure to Correct Errors : I have attempted to dispute these inaccuracies with the credit bureaus, but the issue remains unresolved.

Violations of Federal Law ( FCRA 15 USC ) : 15 USC 1681i Requires credit bureaus to investigate and correct inaccurate information within 30 days. 

15 USC 1681s-2 Requires XXXX XXXXXXXX XXXX XXXX to report accurate information and correct any errors when notified by a consumer. 

15 USC 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy in consumer reports.

15 USC 1681c Regulates how long information remains on credit reports. Any outdated or incorrect negative information must be removed.

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 2025-03-06 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
Concerning American Honda Finance XXXX. 

Hx : I purchased a XXXX XXXX XXXX in XXXX. I traded the XXXX in for a XXXX XXXX XXXX in XX/XX/XXXX. I realized some months later that American Honda Finance did not report my year of good payment history to any of the credit bureaus. I called and they stated it was a glitch in the system and they could not fix it because the account was archived. I did not accept that answer because I could still see all of my payment history on my XXXX account. I filed a complaint with the XXXX and XXXX weeks later they reported my year of good payment history to all three credit bureaus. 

Fast forward to XX/XX/XXXX, I traded my XXXX XXXX XXXX in at XXXX. XXXX reported that XXXX had not reported any payment regarding XXXX account. I had a good payment history for almost XXXX  years, I never missed a payment. I called American Honda Finance XXXX month later after my XXXX purchase and they told me it could take up to 30 days to close the account but once it was fully closed, they would report to the credit bureaus. I called back XXXX of XXXX because it was still not showing on any credit report. They stated yet again that it was another glitch in the system and that it would have to be manually pulled over and I was assured it would be taken care of. XXXX months later, it was not taken care of so I called again. The representative assured me that it would be taken care of and that she would call me back to verify. I waited almost 2 months because I know it can take up to 30 days to fix those issues, and the representative this time told me that the previous XXXX XXXX did not do their job and that he would take care of it. The only problem this time, is that the account was now archived so it would take more work to report it. He assured me there would be no problem. It is now XXXX of XXXX and they have not done their job. I would like the XXXX years of good payment history reported to my credit report. I paid {$820.00} for nearly 4 years. I am unsure why Honda Finance is not reporting credit history to the credit bureaus when they said that is part of their loan closing process. This is the second instance with the same excuse except this one did not get resolved. The XXXX  would not let me report again because they said the issue was similar, so I am escalating in an attempt to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I told this company that this account XXXX XXXX NUMBER - XXXX that this account was involved in a data breach and my information was compromised. I was sent a pre paid card of XXXX and this account is still on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Last week, I checked my XXXX XXXX, which was XXXX. All my accounts and credit cards are in good standing, even under 10 % usage of my credit availability. However, on Saturday, XX/XX/XXXX, my credit score went down XXXX points to XXXX without any change on my credit report. 

I have never had a collection account and no derogatory remarks ; therefore, how come my credit score went down XXXX points in one day? 

I was on the phone for two days with TransUnion XXXX reviewing my entire credit report ( XXXX pages ), and we couldn't find anything that changed because nothing changed ; they gave me a case ID. I waited two days, and because I didn't receive any information, I called back again, and we did the same procedure, telling me they were elevating the case to be reviewed. 

TransUnion ID case. XXXX XXXX ID case. XXXX Between those days, I was in touch with all the financial institutions where I have accounts, credit cards, etc. All of them confirmed that my balances are in good standing and below 10 % of credit availability on my credit cards. 

Furthermore, yesterday, I received an email from XXXX XXXX, another place where I check my credit score, congratulating me on my " XXXX XXXX. '' Besides, when I clicked " check my entire report '' in XXXX XXXX and then click on what changed between last week and today, it said nothing changed and even confirmed all accounts are in good standings, below 10 % credit usage on credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: LEXISNEXIS
State: GA

Complaint narrative:
I will continue to dispute this fraudulent information until you delete or I will see you in court ... ..I have ask that you verify and validate the Bankruptcy and to name the individual that you received the information from ... ..electronic systems make mistakes everyday!! you keep responding with the same BS answer saying you verified the bankruptcy through an electronic system " PACER '' which is known to make mistakes that is not sufficient ... .I want to know who ( the human person ) who without any doubt knows this is accurate and true!! otherwise this is aggravated IDENTITY THEFT!! In an effort to resolve the consumers concerns, LexisNexis initiated a dispute of bankruptcy record case number XXXX on the consumers behalf. During our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. The address originally filed on the full bankruptcy docket XXXX XXXX XXXX, XXXX GA XXXX, obtained from Public Access to Court Electronic Records ( PACER ), is an address that has been reported to LexisNexis with the consumers full social security number by the nationwide consumer reporting agencies. The address along with the last four digits of the social security number listed on the full bankruptcy docket also matches the current address and last four digits of the full social security number we have on file for the consumer. ( who gave you this information????? ) THIS IS NOT VALIDATION..LexisNexis can not legally " validate '' a bankruptcy, meaning they can not definitively confirm the accuracy of bankruptcy information on their reports without independently verifying it through official court records, as they primarily pull data from public sources and do not have direct access to bankruptcy court filings. So using PACER is not sufficient and I demand you DELETE this as I have told you repeatedly I XXXX XXXX HAVE NOT FILED FOR BANKRUPTCY!!!!!! 
15 U.S. Code 1681b - Permissible purposes of consumer reports MY RIGHTS HAVE BEEN VIOLATED, YOU PROVIDED FALSE INFORMATION ABOUT ME TO ALL 3 CREDIT REPORTING AGENCIES!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The discover account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion refuses to delete the inaccurate accounts on my credit report which is causing severe damage to me

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 2025-03-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: ND

Complaint narrative:
Federal Student Loan servicers are not updating student enrollment information. We, as a school, send out enrollment verifications every week to the XXXX XXXX who then updates NSLDS. Servicers are not getting the information from NSLDS to update students accounts and are telling students they are entering repayment or their Grace period ; but they are currently enrolled. 

We have tried to speak with the servicers but they will not talk to us. We send enrollment verifications directly to them and deferment forms, but student accounts are still not updated. Students have payments due in XXXX now but they are enrolled through XXXX or XXXX and have been enrolled here for years. 

Servicers we have seen this issue with include MOHELA, XXXX, XXXX XXXX XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-03-06 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.

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 2025-03-06 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:
I went to a car dealership i did not get approved, i checked my credit report and seen how the dealership ran my credit to XXXX other companies without my permission, i seen so many inquiries on my credit file, This is IDENTITY THEFT! Here are the inquiries below On XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE DELETE ALL THESE UNAUTORIZED INQUIRIE AND ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I HAVE SENT XXXX CERTIFIED LETTERS TO EQUIFAX, EXPERIAN & TRANSUNION AND GOT NO RESPONDS!!! ! 15 USC 1681 N NON-COMPLIANT THEY REFUSE TO RESPONDS BY SENDING STALL LETTERS OR SAYING YOUR FILES HAS BEEN UPDATED OR SEND MORE IDENTIFICATION A BUNCH OF STALL LETTERS!!

Company response to consumer: Closed with non-monetary relief