vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Account being reported inaccurately and the account is also being reported twice.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. XXXX. A copy of the original signed debt collection agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of all fees and interest XXXX. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, 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 2025-10-01 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: IL

Complaint narrative:
I am submitting to formally request the removal of any dispute comments associated with the accounts listed below and to have their dispute status reset : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00} XXXX  XXXXXXXX XXXX XXXX Balance {$0.00} These accounts were previously marked with a dispute status ( consumer disputes this account ), but I am no longer disputing them and would like all related dispute comments removed. The presence of these notations is negatively impacting my ability to obtain new credit, as it gives the impression that these accounts are still under dispute.

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 2025-10-01 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: GA

Complaint narrative:
When I reviewed my credit reports from both XXXX  and Experian, I was deeply frustrated to discover that an account with XXXX XXXX XXXX XXXX  XX/XX/year> * * is being reported with a late payment notation even though the account is both paid and current, showing a balance of {$0.00} and no past due amount. This is not only misleading, but it is flat-out inaccurate and damaging to my credit history. 

It is unreasonable and unfair for a paid account with a {$0.00} balance to continue reflecting derogatory information. By definition, if there is no balance due and no amount past due, there can not logically be a delinquency tied to the account at the same time. Yet XXXX  and Experian are publishing a contradictory and harmful late payment notation that makes it look like I failed to meet my obligations when in reality I paid this account in full and closed it in good standing. 

The Fair Credit Reporting Act, under 15 U.S.C. 1681e ( b ), requires credit reporting agencies to ensure that consumer reports are accurate and free from misleading information. This type of reporting does the oppositeit confuses lenders, creates an inaccurate representation of my financial responsibility, and unfairly penalizes me for an alleged delinquency that does not exist. Furthermore, under 15 U.S.C. 1681i, I am entitled to a reinvestigation whenever I dispute an item. That reinvestigation can not simply involve confirming the same incorrect data through electronic systemsit requires validation with original account-level documentation from XXXX. Unless the bureaus can provide billing statements or payment records showing a legitimate late payment, the current notation is unverified and must be corrected. 

The impact of this kind of error is not theoretical. Because of this, I have been seen as a higher-risk borrower despite maintaining a responsible payment history. I have experienced denials, higher interest rates, and judgment from lenders who assume I failed to pay my Target account, when in reality I did everything right. This has caused not only financial harm but also stress and embarrassment when trying to explain that my credit file contains errors that are not of my making.

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 2025-10-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my car was repossessed and I was told it would be XXXX to get it out wasnt provided with details of the charges in writing but was communicated, the rep said XXXX for past due charges XXXX late charges and XXXX for repossession fees. So I got the money and paid it the past due charges was XXXX XXXX and XXXX but XXXX wasnt even due yet, my note isnt due until XXXX and I paid XXXX in XXXX and I was told those payments covered XXXX and XXXX so how did my car get repossessed. I kept calling trying to get answers but the customer service is awful. So fast forwarding to now I was to pay XXXX payment and I received an email stating I owe XXXX so I called to question it and I was told it takes XXXX to XXXX business days for the account to be updated fully after repossession so I said ok by the XXXX it should be completed and the rep said yes this was around the first of XXXX. So I check the account on Monday and no it wasnt updated I called and was on hold for over a hour for the rep to tell me the charges are valid now mind you my car note is XXXX and the charges add to that amount ( late fees and miscellaneous fees ) so I asked what the miscellaneous fees consisted of one rep couldnt tell me but the supervisor told me for repossession and I said i paid them but they consist that I didnt. Then I asked if I owed yall that money why send me current up to date letter and couldnt answer that. Then wanted to say I can do you a favor and waive the late fees and I said what was I late for as I was told late fees were included in the XXXX to get my car back and he just kept they are valid I really need help with this company they are so unprofessional and asked for my payment history couldnt provide and I asked what payments was applied to what month I was told it was applied to the principal interest and late fees so I looked at my billing statements and I dont see it. From XXXX to XXXX i paid over XXXX and I asked was the behind that much couldnt get a valid answer on the website the billing statement doesnt provide any information about payment so I feel like Im being ripped off by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: MA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against MOHELA/DOFED a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the na
me and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. MOHELA/DOFED XXXX, MOHELA/DOFED XXXX, MOHELA/DOFED XXXX, XX/XX/year> ( XXXX ) - Late Open/Fraud- V/N MOHELA/DOFED XXXX, MOHELA/DOFED XXXX, MOHELA/DOFED XXXX, MOHELA/DOFED XXXX & MOHELA/DOFED XXXX

Company response to consumer: In progress
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
This is now my fifth follow-up regarding inaccurate and harmful information that continues to appear on my credit report despite my repeated disputes. 
My report still lists a repossession account from XXXX XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$0.00} XXXX XXXX. This reporting is inaccurate and misleading, as no such repossession occurred. Reporting a zero-balance account as derogatory is damaging to my creditworthiness and is not supported by accurate documentation. Under FCRA XXXX ( a ) ( XXXX ) XXXX U.S.C. XXXX ( a ) ( XXXX ), furnishers are required to promptly correct information that is incomplete or inaccurate. Further, under FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), I have the right to dispute inaccurate reporting, and under FCRA XXXX XXXX U.S.C. XXXX, unverifiable or fraudulent accounts must be deleted. I again request the immediate correction or permanent removal of this account. 
In addition, my report continues to show unauthorized inquiries that I never approved, including : XXXX XXXX SER XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> These inquiries violate FCRA XXXX ( f ) XXXX U.S.C. XXXX ( f ), which prohibits access to a consumer report without a permissible purpose. They also violate FCRA XXXX XXXX U.S.C. XXXX and FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), which set strict limits on when and how credit reports may be accessed. Since these inquiries were made without my authorization, they must be permanently deleted.

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 2025-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Accord Business Funding, LLC
State: CA

Complaint narrative:
I am writing to provide details regarding my XXXX XXXX XXXX ( XXXX ) situation as requested. 

On XX/XX/year>, I took out an XXXX in the amount of {$74000.00}, with an annual percentage rate ( APR ) of 65.08 %. The total amount that I was required to repay was {$99000.00}. This loan required monthly payments of {$8100.00}. 

Initially, I was able to make some payments towards this obligation. However, due to unforeseen hardships with my business, I began to struggle to keep up with the monthly payments. Unfortunately, this led to my falling behind on repayments. 

I understand the importance of resolving this matter and remain committed to finding a solution. I would appreciate your assistance in addressing my situation and any possible options available to regain financial stability. 

Thank you for your understanding and support. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
This is my fourth follow-up complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  with a reported balance of {$3000.00}. Despite my prior disputes, the account continues to reflect inaccurate late payment history and reporting that does not align with my actual records.I am not disputing the existence of this account. My dispute concerns the accuracy and completeness of the reporting. The current reporting contains errors that are unfairly damaging my credit profile.This misreporting violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate information.FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Inaccurate or incomplete information must be corrected promptly.FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) : Grants me the right to dispute and requires reinvestigation and resolution.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: HI

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 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 explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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