vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have discovered certain inaccuracies that require attention : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX AV XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

11. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


In accordance with the provisions of the Fair Credit Reporting Act, I hereby request an investigation into and removal of these erroneous items from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be promptly removed. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any necessary corrections. 

Thank you for your attention and assistance 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 non-monetary relief
Consumer complaint received 2025-06-02 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: WV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-02 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: PR

Complaint narrative:
The account XXXX XXXX account number XXXX The account show a missed payment on XX/XX/year>, it was paid on time. Please Update the month XX/XX/year> to paid on time.

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 2025-06-02 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: PA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX 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 2025-06-02 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:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXXSubject: Complaint Against Discover Financial for FCRA Violation  Failure to Reinvestigate Disputed Closed AccountXXXXRE: Violation of My Consumer Rights Under 15 U.S.C.  1681i and Request for Corrective Action and Damages.XXXXTo Whom It May Concern: Discover Financial XXXX XXXXI am filing this formal complaint against Discover Financial Services for failing to fulfill its legal obligations under the Fair Credit Reporting Act (FCRA), specifically in regard to its failure to conduct a reinvestigation of inaccurate information on a closed account, as required by 15 U.S.C.  1681i.XXXXDespite my dispute and request for reinvestigation regarding the closed Discover account referenced below, no proper investigation was conducted, and no correction or deletion of the disputed information occurred within the legally mandated time frame.XXXXXXXXAccount Information: Discover credit cardXXXXCreditor: Discover Financial ServicesXXXXAccount Number: XXXX XXXX XXXX XXXXDate Closed: XXXX XXXXNature of the Violation:XXXXXXXXUnder 15 U.S.C.  1681i, a consumer reporting agency (and by extension, the furnisher of information, such as Discover) must reinvestigate disputed information within 30 days of receiving notice of a dispute. Discover failed to conduct this reinvestigation and continued to allow inaccurate and outdated information to be reported on my credit file, which is a direct violation of my rights as a consumer.XXXXFurthermore, under 15 U.S.C.  1681n, any willful noncompliance with the FCRA entitles the consumer to statutory damages up to XXXX, as well as potential punitive damages. In light of Discovers noncompliance and its refusal or failure to respond to my dispute in a lawful manner, I am formally requesting the following corrective actions:XXXXShould Discover fail to address this matter within the required 30-day period, I am prepared to take further action, including but not limited to:XXXXFiling additional complaints with the Federal Trade Commission (FTC) and the State Attorney General; Seeking legal counsel to pursue damages in federal court under the FCRA.XXXXPlease be advised that this complaint and all supporting documentation have been submitted to the Consumer Financial Protection Bureau (CFPB) for investigation and enforcement.XXXXI appreciate your prompt attention to this matter and expect a full resolution within the required statutory timeframeXXXXSincerely,XXXXRontrell Lowe'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my Experian, Equifax and Transunion I noticed some late payments on my credit report : I disagree with the account listed below, which still appears on my credit report, despite your investigation. I would like this immediately re-investigated. 

The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Experian : Account status : Closed Balance : {$8700.00} Date Opened : XX/XX/XXXX Equifax : Account status : Open Balance : {$8700.00} Date Opened : XX/XX/XXXX Transunion : Account status : Closed Balance : {$9000.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. 

Please provide the names and business addresses of each individual with whom you verified Above, so that I may follow up.

Please send me an updated copy of my credit report after your investigation.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency violates 15 USC 1681. 


Furthermore, you also reported inconsistent and inaccurate information on my consumer report. 

Once again, XXXX XXXX XXXX giving your company, 15 days to respond to this matter. 

Best Regards, XXXX 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I check my credit reporting with XXXX XXXX and XXXX and compared it to the information that was on Nelnet information and noticed it was duplicate accounts with the same date I've sent numerous of letters to all the companies and it remained on my credit report until XXXX XXXX signed the order the accounts are old and i never made one payment but Nelnet is falsely putting the accounts are update and current. I've sent letters to all the credit bureaus and Nelnet about these accounts that i don't have any knowledge about and hasn't received a response only what's owed {$710000.00} plus and no one can explain how all accounts are old and was affecting my credit for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I have been disputing a fraudulent account on my credit report, and TransUnion refuses to remove it. 

XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Regarding account Empower Finance / XXXX  # XXXX, I was not made aware of this action and was not given the chance to dispute the account. If you believe proper notice was provided, please submit a copy of the certified mail and signed receipt as proof. If you can not provide this documentation, I request that you promptly remove account # XXXX from my credit report. Otherwise, I will be forced to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My employer submitted payroll XX/XX/XXXX to be paid on or before XX/XX/XXXX. Citibank paid my direct deposit at XX/XX/XXXX XXXX ET, however, at XXXX ET on XXXX, my direct deposit is still not shown as available and can not be used or transferred, essentially meaning that I have not gotten paid. 

This was a payroll direct deposit.

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 2025-06-02 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: FL

Complaint narrative:
This is in response to your so-called resolution of my complaint # XXXX submitted via the CFPB portal on XXXX regarding the unauthorized deletion of XXXX ( XXXX ) Aidvantage student loan accounts from my credit file. 

Your response states : THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

Yes that is precisely the issue. These XXXX accounts are no longer reporting because you improperly and unilaterally deleted them after I submitted a request to correct a payment status, not to remove the accounts entirely. Your statement simply confirms the problem I raised, without addressing or correcting it. 

Let me clarify again : I had XXXX ( XXXX ) XXXX student loan accounts in good standing on my Equifax credit report, representing XXXX years of positive credit history. 

In XXXX, these accounts were clearly listed on my report. I have screenshots and documentation to prove this. 

I submitted a correction request to update a payment status only I did not request deletion. 

Instead, all XXXX accounts were erroneously removed, damaging my credit history and score. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it compromises the accuracy and completeness of my file. 

I demand the following corrective actions immediately : Reinstate all XXXX XXXX student loan accounts to my credit file, as they were prior to deletion showing complete and accurate history. 

Provide me with a written explanation of how and why these accounts were deleted in the first place. 

Notify me once this has been corrected and confirmed with the furnisher, XXXX. 

I have attached my XXXX Equifax file that clearly shows these accounts listed before they were erroneously deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Dear CFPB representative, I am writing this to file a formal complaint against one or more credit reporting agencies and debt collectors that have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting a valid FTC identity Theft Report ( FTC Report XXXX XXXX  ) regarding fraudulent accounts open in my name, certain credit bureaus have not removed the disputed information from my credit file, as required under FCRA 605B, which mandates deletion of fraudulent items within 4 business days of receiving valid documentation.

Additionally, I have requested validation of multiple alleged debts from debt collectors, in accordance with FDCPA 809 but have either received incomplete responses or none at all. These accounts are damaging my credit file with no proof. 

The entities involved are but not limited to : XXXX XXXX XXXX XXXXXXXX ) for delay in action and debt collectors including Caine & Weiner XXXX XXXX XXXX XXXX etc who have failed to provide a chain of custody to show how they recieved these debts. I request immediate removal of these accounts and a formal investigation into the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXXXXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-02 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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