vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
In XX/XX/XXXX, I enrolled in the XXXX XXXX XXXX hardship program after being informed that it would protect my credit from late payments and prevent negative reporting during financial difficulty. However, when I applied for a mortgage in XXXX, I discovered that XXXX had reported late payments from XXXX and XX/XX/XXXX, the XXXX to XXXX of XXXX. This is in direct contradiction to the agreement I had with the hardship program and also lies. 

I contacted XXXX on XX/XX/XXXX, to report the inaccurate late payments. However, their customer service team informed me that their records did not go that far back and advised me to contact the credit bureaus. Following their instructions, I reached out to Experian. Unfortunately, this only exacerbated the situation as Experian dismissed my complaint in a manner that felt dismissive and racially discriminatory. I believe that Experian 's handling of my complaint was not only inadequate but also disrespectful. 

Despite my attempts to rectify the situation, the issue remains unresolved, and my credit is being unfairly impacted. I respectfully request that this matter be investigated and that both XXXX and Experian take corrective action to address the inaccurate reporting. 

Dates, Amounts, and Actions Taken : Enrolled in XXXX XXXX XXXX hardship program in XX/XX/XXXX. 

XXXX reported late payments for XXXX to XXXX of XXXX. 

Called XXXX  on XX/XX/XXXX, to report the issue. 

Advised to contact the credit bureaus by XXXX customer service. 

Contacted Experian as instructed, but the issue has not been corrected. 

Experian 's response was dismissive and felt racially discriminatory. 

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 2025-06-11 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:
In XX/XX/XXXX, I enrolled in the XXXX XXXX XXXX hardship program after being informed that it would protect my credit from late payments and prevent negative reporting during financial difficulty. However, when I applied for a mortgage in XXXX, I discovered that XXXX had reported late payments from XXXX and XX/XX/XXXX, the XXXX to XXXX of XXXX. This is in direct contradiction to the agreement I had with the hardship program and also lies. 

I contacted XXXX on XX/XX/XXXX, to report the inaccurate late payments. However, their customer service team informed me that their records did not go that far back and advised me to contact the credit bureaus. Following their instructions, I reached out to XXXX. Unfortunately, this only exacerbated the situation as XXXX  dismissed my complaint in a manner that felt dismissive and racially discriminatory. I believe that XXXX  's handling of my complaint was not only inadequate but also disrespectful. 

Despite my attempts to rectify the situation, the issue remains unresolved, and my credit is being unfairly impacted. I respectfully request that this matter be investigated and that both XXXX and XXXX  take corrective action to address the inaccurate reporting. 

Dates, Amounts, and Actions Taken : Enrolled in XXXX XXXX XXXX  hardship program in XX/XX/XXXX. 

XXXX reported late payments for XXXX to XXXX of XXXX. 

Called XXXX  on XX/XX/XXXX, to report the issue. 

Advised to contact the credit bureaus by XXXX customer service. 

Contacted XXXX  as instructed, but the issue has not been corrected. 

XXXX  's response was dismissive and felt racially discriminatory. 

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 2025-06-11 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:
In XX/XX/XXXX, I enrolled in the XXXX XXXX XXXX hardship program after being informed that it would protect my credit from late payments and prevent negative reporting during financial difficulty. However, when I applied for a mortgage in XXXX, I discovered that XXXX had reported late payments from XXXX and XX/XX/XXXX, the XXXX to XXXX of XXXX. This is in direct contradiction to the agreement I had with the hardship program and also lies. 

I contacted XXXX on XX/XX/XXXX, to report the inaccurate late payments. However, their customer service team informed me that their records did not go that far back and advised me to contact the credit bureaus. Following their instructions, I reached out to XXXX. Unfortunately, this only exacerbated the situation as XXXX  dismissed my complaint in a manner that felt dismissive and racially discriminatory. I believe that XXXX 's handling of my complaint was not only inadequate but also disrespectful. 

Despite my attempts to rectify the situation, the issue remains unresolved, and my credit is being unfairly impacted. I respectfully request that this matter be investigated and that both XXXX and XXXX  take corrective action to address the inaccurate reporting. 

Dates, Amounts, and Actions Taken : Enrolled in XXXX XXXX XXXX hardship program in XX/XX/XXXX. 

XXXX reported late payments for XXXX to XXXX of XXXX. 

Called XXXX on XX/XX/XXXX, to report the issue. 

Advised to contact the credit bureaus by XXXX customer service. 

Contacted XXXX  as instructed, but the issue has not been corrected. 

XXXX XXXXs response was dismissive and felt racially discriminatory. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm filling this complaint towards the credit monitoring company Experian. I requested that my personal information be updated on my credit report I asked that all names and addresses that are old and/or do not belong on my file be removed. They are refusing to remove the names and addresses at my request, although Transunion and XXXX  honored my request by removing all the personal items I asked them to remove.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
The company that is charging me is not whom I took my loan from. XXXX payments we schedule and paid to satisfy the balance now they are trying to charge me additional fees without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
This will be the second attempt. my first complaint received an automated computer response. please see all attachments for proof and proof of identity. 
Equifax XXXX. XXXX, XXXX XXXX, GA, XXXX XX/XX/year> To Whom It XXXX Concern, I dont agree with the investigation of these hard inquires listed below. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Please reference dispute confirmation numbers, XXXX, and XXXX. For reference of my first dispute results I will also attach a screen shot of each of those results. 
XXXX XXXX XXXX XXXX, Dated : XX/XX/year> EECU, Dated : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
It is disheartening to see my rights as a consumer being ignored. I have been trying to fix the errors on my credit report for months, and the process has been draining. My credit means a lot to me, and these ongoing inaccuracies are blocking financial opportunities and taking a real toll on my well-being. What makes this worse is that my concerns have been repeatedly ignored. This has gone on long enough, this is unacceptable.

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 2025-06-11 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:
XXXX XXXX XXXX XXXX XXXX Apt XXXX Long Island XXXX XXXX NY XXXX XXXX XXXX Subject : Dispute of Unauthorized Accounts Dear, Transunion I XXXX writing to formally dispute the following accounts listed on my credit report, as I have not authorized these accounts to be opened in my name. According to the Fair Credit Reporting Act ( FCRA ) Section 605B and 1681c-2, I have the right to dispute any inaccuracies on my credit report. 

1. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I request that you investigate these accounts and remove them from my credit report, as they are not authorized by me. Please provide me with a written response regarding the outcome of your investigation. 

Enclosed are copies of my identification and any relevant documents that support my claim. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been having issues with Experian over XXXX XXXX now. I am putting in complaints with your company with no results from Experian, only more issues. I am not getting accurate or appropriate updates from my disputes with this credit bureau. They are telling me to refer to the credit report with no changes existing. I reached out to Experian, they are telling me these issues are because the disputes are still being investigated even though the notification says otherwise. Each department I was transferred blamed another department for the issue. After being transferred to XXXX departments, there was no reasons give or solution to fixing the issue. This is very inconvenient and poor customer service

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 2025-06-11 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: WI

Complaint narrative:
A medical collection was added to my credit report. I contacted the collection agency to validate the debt and request written confirmation of the original creditor, balance, and authority to collect. They refused to provide anything in writing, would not identify who receives the payment, and told me to pay first, then ask the creditor if theyll remove it. 

Additionally, each and every letter was sent to my old address, not allowing me to properly resolve this matter. It is a medical debt from XXXX  my hand and needing XXXX  that is now preventing me from purchasing a home due to lack of proper communication which has now ended up on my credit report. 

This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have no way to confirm this debt or ensure fair reporting. 

I am requesting this account be deleted from my credit reports due to lack of verification and failure to comply with federal law. 

I have included my address from my tax returns below in an attachment- I received nothing at my current address. Still have no way of verifying anything was ever sent as I have not lived at my old address in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX, XXXX  and XXXX  under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their failure to properly investigate and remove unverifiable and inaccurate information from my credit report. 

I submitted a formal written dispute to XXXX XXXX and XXXX  along with all required identification documents, including my government-issued ID, Social Security card , and proof of address. Despite this, the following issues remain unresolved : XXXX XXXX and XXXX  failed to delete unverifiable or inaccurate information within the 30-day time frame required by law.

I did not receive confirmation that a reasonable investigation was conducted.

In some cases, previously deleted items were reinserted into my report without proper certification of accuracy, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I did not receive the required written notice of reinsertion within five business days. 

These actions constitute violations of my rights under the FCRA, and I am requesting the CFPBs assistance in holding XXXX XXXX and XXXX  accountable for their failure to comply with federal law.

Desired Resolution : Immediate deletion of all unverifiable and inaccurate accounts from my credit report.

Written confirmation that XXXX  conducted a proper investigation.

Confirmation that any reinserted items were certified as accurate by the furnisher and that proper notice was provided. 


Thank you for your time and attention to this matter. I am available to provide any additional documents or clarification as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX, XXXX  and XXXX  under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their failure to properly investigate and remove unverifiable and inaccurate information from my credit report. 

I submitted a formal written dispute to XXXX XXXX  and XXXX  along with all required identification documents, including my government-issued ID, Social Security card , and proof of address. Despite this, the following issues remain unresolved : XXXX XXXX and XXXX  failed to delete unverifiable or inaccurate information within the 30-day time frame required by law. 
I did not receive confirmation that a reasonable investigation was conducted. 
In some cases, previously deleted items were reinserted into my report without proper certification of accuracy, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I did not receive the required written notice of reinsertion within five business days.

These actions constitute violations of my rights under the FCRA, and I am requesting the CFPBs assistance in holding XXXX XXXX  and XXXX  accountable for their failure to comply with federal law.

Desired Resolution : Immediate deletion of all unverifiable and inaccurate accounts from my credit report.

Written confirmation that TransUnion conducted a proper investigation.

Confirmation that any reinserted items were certified as accurate by the furnisher and that proper notice was provided.

Thank you for your time and attention to this matter. I am available to provide any additional documents or clarification as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-06-11 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: KS

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 KS XXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2022, Balance :

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