vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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: FL

Complaint narrative:
CFPB Complaint Letter Experian Failure to Provide Report / Unverifiable Information Subject : Experian Denial of Access to Credit Report & Retention of Unverifiable Information in Violation of FCRA To Whom It May Concern, I am submitting this formal complaint regarding Experian Information Solutions , Inc. for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
Recently, I submitted disputes to Experian to correct the spelling of my legal name and to challenge inaccurate items on my credit report. As a result of the dispute, several name variations were deleted. However, following those changes, I was denied access to my updated credit report, both online and by mail. When I contacted Experian, I was informed that I could not view or receive my credit report because my updated personal information does not match what a lender has on file. 
This is a violation of my rights under : 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified, it must be deleted.

15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( ii ) : After a reinvestigation, the consumer reporting agency must provide a free copy of the updated report.

15 U.S. Code 1681g ( a ) : Every consumer has the right to access the information in their file upon proper request and identification.

Experian is refusing to provide me with access to my consumer report, stating that the information in their system does not align with what a creditor provided. This mismatch indicates that they are knowingly retaining data that does not accurately belong to my updated consumer filewhich should render such information unverifiable and subject to deletion. 
To be clear : I provided updated identifying information, which they accepted when removing name variations. However, they are still reporting an inaccurate name of XXXX XXXX XXXX. 
They can not verify current account information against my corrected identity, yet are retaining those accounts and blocking me from seeing them. 


This obstruction violates the core purpose of the FCRA : to ensure that consumers have accurate and complete information, the ability to dispute inaccuracies, and the ability to review the results. 
I am requesting that the CFPB require Experian to : Delete all items not verifiable under my updated identity ; Immediately provide me with a complete and updated copy of my credit report ; Cease any withholding of my report based on unverifiable or mismatched data. 


Thank you for your assistance in this matter. I am prepared to provide documentation of my dispute, proof of identity, and Experians communications upon request.

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 2025-05-21 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-21 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-21 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was never late. Thanks.

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 2025-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
I called SPECIAL FINANCING Services the week I missed my first payment due to financial hardship and losing a job. My goal was to make an agreement or find anyway to remedy my financial hardship to continue making payments or to defer payment until I was able to pay again or to restructure the payments so that I can still complete my financial obligation. 

I was told they didnt have any options for financial hardship that the only thing they could do was take a double payment when I was prepared to make up the missing payment and that information was not true. 

They did have an option to help out with payment structuring which included cutting the payment in half for XXXX months and then in the following XXXX months having to pay that half payment on top of the full payment. I was never made aware of this until the next month when I called and tried to see if there was anything I can do again to arrange any plan to pay during signing up for this loan. 

I was told that as a company they did not report to the XXXX major credit agencies, my interpretation was that if I should fall into any financial hardship that I would not have to reap the benefit of my credit being affected in a negative way. This was also untrue when I called financial services and spoke to their supervisor. She told me that a financial hardship was not her problem. I signed the contract, and theres nothing that they can do to help. She even made reference to the fact that they were not obligated as a company to divulge the information to me to help me pay off my loan. Her reasoning is because my account was not current, even though I was calling to see what my options were so that I can start to make payments again in some capacity. All of the communication & these tactics seem very predatory, unethical, cold and have signs of both negligence and a spreading of false/misinformation. I would like to make a motion to cancel this debt based off of the flagrant disregard for my attempt to create an arrangement to make good on my original agreement. 

Finally, on the phone call with the agent/representative this Monday morning, XX/XX/year>. They attempted to collect the payment from me and asked me if I wanted to make the payment not on the card that they had on file for my payment but another card that they had on file ( ending in XXXX ) for how I made my initial deposit in the beginning to get into the program, and I specifically told them no, I dont want to make a payment on that card ; only to find out that maybe an hour or XXXX later I was getting Fraud Alerts on my phone for XXXX XXXX for the amount of {$270.00} the same amount i had previously paid monthly to XXXX & The Special Financing Company .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
Apparently, they have been trying to reach me for the last couple of months, today, XX/XX/XXXX they called and I answered and it was some guy demanding that I owe {$1100.00} and that I need to pay now. He didn't tell me when, he just straight up told me that I owe and how should I pay, credit or check? 
I told him that this was a scam to XXXX XXXX, I hung up and blocked that number specifically. I searched up the company, Wakefield and Associates, and called that number directly. The woman that answered said that I did have debt and I questioned her further. I told her that I had never once received a single letter in the mail or an email or anything. 
She said that they had tried to send a letter but they were missing the XXXX XXXX in the address. I told her, " send something to me in paper and I'll see if that's legit ''. So I gave her my address which I'm sure she didn't write down properly cause she did not reconfirm with me. I was a dependent under my parents ' insurance last year, that they claim I had accumulated. So in reality, this should've been addressed to them instead of me. 
I then contacted my previous insurance company that I was a beneficiary of, and explain the situation. The agent told me that there was nothing on my account that would warrant any debt, and she agrees that this is probably a scam. I then contacted the hospital 's billing department with the same questions, the representative also told me that there was no outstanding debt or fees from last year, and she said that the hospital that I went to does not use that debt collection company, and she has never heard of it before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XXXX I received a payment for {$20.00} with a net of {$18.00} after Paypal fees. I tried to withdraw this balance to my bank account that I have used on 37 previous occasions to withdraw funds from my Paypal account to, but this time I was met with an error message. " Theres a problem Right now, were not able to complete this transaction. '' This message had no explanation and no alerts were on my account needing any attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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'm filing this complaint to EXPERIAN because Ive discovered inaccurate and unfairly reported late payments and charge-off account on my credit reports that are causing serious harm to my financial life. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, verifiable, and complete. Ive disputed these accounts with the credit bureaus, and they either verified them without proper investigation or flat out ignored the key facts. Ive asked for method of verification per Section 611, and Ive received no legitimate proof that these furnishers are in compliance with Metro 2 standards or federal law. These items are not only misleadingtheyre unlawful to report in their current state. Im requesting the CFPB immediately investigate the furnishers and EXPERIAN, as well as take enforcement action where necessary. I also demand the immediate removal of these late payments and deletion of charge-off account, which are unverifiable and damaging. I'm not asking for a handoutI 'm asking for a fair shake, and for the law to be followed. I work hard and take care of my responsibilities, but this agency and creditors need to be held accountable when they break the rules. Thank you for standing up for consumers.

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 2025-05-21 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like XXXX being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-21 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like XXXX being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
1. 15 U.S.C. 1666b ( a ) Time to Make Payment This statute prohibits creditors from treating a payment as late unless the borrower was given at least 21 days after a statement was issued before the payment became due.

If your student loans were in deferment, no payment was due during that time.

Therefore, no statement requiring payment should have been issued, and no payment could lawfully be considered late.

2. FCRA Accuracy in Reporting ( 15 U.S.C. 1681s-2 ( a ) ) Furnishers are required to accurately report account statuses to credit bureaus. Reporting a late payment on an account that was officially in deferment ( a non-delinquent status ) is false, misleading, and violates your rights under the Fair Credit Reporting Act.

Improper Late Payment Reporting on Student Loans During Deferment Additionally, my credit report contains late payment entries on federally deferred student loan accounts. At the time the alleged delinquencies were reported, the loans were officially in deferment status, during which no payments were due.

Under 15 U.S.C. 1666b ( a ), a creditor can not consider a payment late if no due date was validly established due to deferment. Furthermore, the FCRA requires all furnished data to be accurate and complete. Reporting a payment as " late '' when no payment was scheduled, required, or delinquent is clearly unlawful. 

I request the immediate deletion of any such late payment entries associated with student loans that were in deferment status at the time of the reported delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: HI

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant XXXX  and XXXX. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-21 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: HI

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant XXXX  and XXXX. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-21 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: DC

Complaint narrative:
The company XXXXXXXX XXXX is engaging in fraudulent and scammy business practices. XXXXXXXX XXXX opened a fraudulent XXXXXXXX XXXX card account ending XXXX in my name. I filed an Identity Theft Report with FTC. I called XXXXXXXX XXXX and reported it. This is a fraudulent account. The XXXX XXXX XXXX customer service said they closed it. I request to remove inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief