vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
I am requesting the removal of a late payment reported on my credit report, which I believe is either inaccurate or unfairly reported. The late payment in question was reported by XXXX XXXX XXXX on XX/XX/year> and appears on my credit report from Experian, XXXX  and XXXX. 

I have contacted the creditor and/or credit bureau to dispute this late payment, as I have made the payment on time as agreed with XXXX XXXX XXXX XXXX Despite providing supporting documentation, the late payment remains on my report. 

This late mark is negatively affecting my credit score, and I believe it does not reflect my overall payment history or intent. I respectfully request that the CFPB review this matter and assist in having the late payment removed or corrected.

Thank you for your attention to 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 2025-05-20 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:
I am requesting the removal of a late payment reported on my credit report, which I believe is either inaccurate or unfairly reported. The late payment in question was reported by XXXX XXXX XXXX on XX/XX/year> and appears on my credit report from XXXX, XXXX  and Equifax. 

I have contacted the creditor and/or credit bureau to dispute this late payment, as I have made the payment on time as agreed with XXXX XXXX XXXX XXXX Despite providing supporting documentation, the late payment remains on my report. 

This late mark is negatively affecting my credit score, and I believe it does not reflect my overall payment history or intent. I respectfully request that the CFPB review this matter and assist in having the late payment removed or corrected. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I am requesting the removal of a late payment reported on my credit report, which I believe is either inaccurate or unfairly reported. The late payment in question was reported by XXXX XXXX XXXX on XX/XX/year> and appears on my credit report from XXXX, TransUnion and XXXX. 

I have contacted the creditor and/or credit bureau to dispute this late payment, as I have made the payment on time as agreed with XXXX XXXX XXXX XXXX Despite providing supporting documentation, the late payment remains on my report. 

This late mark is negatively affecting my credit score, and I believe it does not reflect my overall payment history or intent. I respectfully request that the CFPB review this matter and assist in having the late payment removed or corrected. 

Thank you for your attention to 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 2025-05-20 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: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-05-20 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: DC

Complaint narrative:
I am writing to notify your agency of a serious breach involving my personal information, which requires your immediate attention and action to help mitigate further risk of identity theft or fraud. 

On or around XX/XX/year>, XXXX XXXX directed the Department of Government Efficiency ( DOGE ) to gain access to various internal systems within the U.S. Department of Education. Among the systems compromised was the federal student aid dataset, which contains sensitive personally identifiable information ( PII ) of millions of individuals, including my own. As a participant in the federal student aid program, I have reason to believe my personal and financial dataincluding but not limited to Social Security number, loan history, and financial aid statuswas included in the dataset accessed during this breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Reinserted Account FCRA Violation Account Number : XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute and demand the immediate deletion of the above-referenced account, which was previously removed from my credit report and has since been reinserted without proper notice, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

FCRA Violation Reinserted Account Under the FCRA : If a disputed account is deleted from a consumers file and later reinserted, TransUnion is legally required to notify the consumer in writing within five ( 5 ) business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

This notice must include the name of the furnisher and provide proof that the item was certified as accurate.

As of today, I have received no such notice, making this reinsertion illegal and subject to regulatory and civil penalties. Your failure to notify me and document the reinsertion renders the continued reporting of this account unauthorized and unlawful.

Applicable Laws and Penalties You are currently in violation of the following sections of the FCRA : 1681i ( a ) ( 5 ) ( B ) Failure to notify consumer after reinsertion.

1681e ( b ) Failure to maintain accurate and fair reporting.

1681n and 1681o Civil liability for willful or negligent noncompliance, which may result in : Statutory damages up to {$1000.00} per violation, Actual damages, punitive damages, and attorneys fees.

Action Demanded I hereby demand : 1. Immediate deletion of the XXXX XXXX XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX ) from my TransUnion credit report ; 2. A written explanation of how and why this account was reinserted without notice ; 3. Documentation and certification provided by the furnisher proving the accuracy of the reinserted information ( as required by FCRA ) ; 4. A full copy of my updated credit report reflecting the removal of this item.

Should you fail to comply within 15 calendar days of receipt of this letter, I will pursue all available remedies under federal law, including filing complaints with the CFPB, FTC, and State Attorney General, as well as considering legal action for damages.

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 2025-05-20 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia motor financed used my credit on several occasions damaging my credit with no approval from me. I was told only 1 and they continued to do it. Causing hard hard hits inquires on my account. XX/XX/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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BTH Management
State: CA

Complaint narrative:
I am formally requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide written verification to prove the legitimacy and accuracy of this alleged debt. This includes documentation that confirms I am legally obligated to pay, the amount you are attempting to collect, and evidence that you are authorized to collect on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion 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, TransUnion '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.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently got stuck in the loop of high interest credit cards. Payments kept getting higher and debt got deeper. I tried talking to all the credit card companies which include Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the only one that tried to help with payments and interest. I ended up borrowing a lump sum of money from family to pay them down. Chase bank after paying down a big portion reduced my limit to what I paid it down to making my payoff on my credit pointless. All these banks are ruthless and would rather see you drown in debt than continue to have a good relationship and keep you as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am disputing a rental debt reported by National Credit System on XX/XX/year>. This debt is inaccurate, as I never rented from the landlord associated with this collection, nor have I ever lived at the property in question. 

I have contacted National Credit System to dispute this account and requested verification. I provided documentation showing that I was a homeowner during the time of the alleged lease and did not reside at the property. I also submitted proof that the utility bills for that address were in another individuals name. Despite this evidence, National Credit System refused to remove the account or validate the claim. 

This false collection is negatively affecting my credit and was reported without proper investigation or verification. I respectfully request that the CFPB assist in reviewing this case and help facilitate the removal of this inaccurate and unverified debt from my credit report. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-20 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: FL

Complaint narrative:
Experian continues to report a charge-off account from XXXX  XXXX XXXX XXXX Account : XXXX ), dated XX/XX/year>, with a listed balance of {$0.00}. Despite this account being nearly a decade old and having no outstanding balance, it is still being used to negatively impact my credit report. The account is clearly outdated, irrelevant, and no longer reflects my present creditworthiness. I have disputed this item before, yet Experian has failed to conduct a meaningful reinvestigation, instead relying on automated data verification systems that do not meet the standard set by federal law. Without full validation from the original creditor, the continued reporting of this account is deceptive and constitutes noncompliance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The presence of a {$0.00} balance charge-off account from XXXX strongly suggests data mismanagement and a lack of verification from the furnisher. If this item can not be supported by complete and original documentationincluding the initial signed agreement, full payment history, and lawful charge-off validationExperian is legally required to remove it under 15 U.S.C. 1681 ( a ) ( 5 ). I have reason to believe that the continued reporting of such outdated and unverifiable data may be linked to larger systemic failures or a prior data breach affecting the integrity of my consumer file.

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 2025-05-20 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: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
XXXX went bankrupt, new company now is saying I have made 3 late payments but I have transaction history that shows I am on automatic payment and never been late, first dispute trough credit reporting agency notes said they had approved the claim and would fix it how ever they have not yet fixed this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

15 U.S CODE 1681 ( 2Xi ) 15 U.S CODE 1666b 12 CFR 1026.13 ( Billing Error Resolution ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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