vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing a complaint formally to dispute inaccurate and unauthorized information appearing on my credit report. After carefully reviewing my report, I was shocked to find both a charged-off account and multiple hard inquiries that I did not authorize, which are negatively impacting my creditworthinessXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-22 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Come its bank / Victoria Secret credit account. Shows a late payment. I had a charge on my account that was a duplicate. I report this to the store and they said they would refund my account. Yes, they did refund after a lengthy investigation. In the mean time they said do not pay because again it was a duplicate charge and I would be getting a refund. In between this waiting time of the investigation to be finalized, they showed my credit card with Victorias Secret, which is comenity bank as a late payment.

I filed it dispute with all three major credit bureaus have yet to hear anything back. I did report this to the credit card company. I also heard nothing back. I would like this negative remark or good for my account showing that I was slave because it was not my fault that I went to a store and they charge my account twice then tell me not to pay it. My account is open. It is in good standingand has a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
over XXXX dollars left my account for a payment on a vehicle I had previously sold. USAA had me upload my proof of sell, and even acknowledged my insurance records backing my claim of selling the vehicle yet still refuses to issue my refund. When asked what I could do to take the issue higher they said its above their pay grade.

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 2025-08-22 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: CA

Complaint narrative:
I am submitting this complaint regarding the unlawful and inaccurate credit reporting practices of XXXX as servicer of my federally-held student loans. 
Background and Factual Basis During the period beginning XX/XX/year>, I was formally placed into a disaster forbearance status on my federal student loans. This status was active and effective during the months in which XXXX subsequently reported derogatory tradelines to XXXX. Despite my forbearance protections, XXXX furnished data to the consumer reporting agencies that reflected late payment designations on four separate loan accounts, updated as of XX/XX/year>, with balances of {$3800.00}, {$7100.00}, {$7700.00}, and {$1300.00}. 
These negative designations are false, misleading, and in direct violation of both federal and state law. At no time were these accounts delinquent, as the forbearance legally suspended the obligation to make monthly payments. 
Applicable Law and Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate. Reporting a late payment while a federally authorized forbearance is in effect is a textbook example of furnishing inaccurate data.

California Consumer Credit Reporting Agencies Act ( CCRAA ), Cal. Civ. Code 1785.25 ( a ) : A furnisher may not provide information to a consumer credit reporting agency if it knows or should know the information is incomplete or inaccurate.

Failure to Conduct Reasonable Investigation : Upon notice of dispute, furnishers are required to conduct a meaningful reinvestigation. Nelnets failure to reconcile its own disaster forbearance records with its reporting activity demonstrates noncompliance.

Consumer Harm The false late-payment coding has caused measurable injury, including impairment of my creditworthiness and reputational harm, as well as emotional distress from the ongoing need to correct a reporting error for which XXXX bears full responsibility.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. 

In accordance with the Fair Credit Reporting Act, the creditors mentioned have violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b ( 2 ) " A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

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 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on accounts. XXXX XXXX agencies play a crucial role in accurately reporting consumer information ; it is imperative that this information be reported with accuracy. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements and notification of lateness of these payments made to the consumer via phone, mail and email. Please refer to the following account ( XXXX XXXX XXXXXXXXAIDVANTAGE ) and account number ( XXXX and XXXX ). If unable to furnish such proof, I request the consumer reports be updated. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
The student loan account in question is being reported inaccurately and inconsistently. For example, XXXX bureau reports an OK payment in early 2019 followed immediately by a XXXX late in XX/XX/year>, while another credit reporting agency shows missing data or different late sequences for the same months. Another credit reporting agency doesn't have the student loan reported at all. These abrupt and contradictory jumps are not an accurate reflection of payment history and are misleading. 

Additionally, after my initial dispute, the bureau changed data but did not provide me with the required results of reinvestigation or a free updated copy of my credit report, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute : XXXX XXXX XXXX  Docket Identifier : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX XXXX Balance : {$0.00}

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I mailed this documentation to XXXX on XX/XX/year>. I haven't got a response or legal proof of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX who is XXXX and is oxygen. I bought a mobile portable scooter from XXXX XXXX, and I had problems with it ever sense i received it. I was unable to use it because there was no battery with it. Second after the battery was received it still would not switch on. Third it sat in my living room for XXXX weeks and I have tripped over it several times because it would not turn on, and I was unable to move it. Fourth every number they gave me to call for repair would not accept messages nor text. After i put a review on social media and in XXXX weeks XXXX XXXX final sent a repair person, and it was discovered there was no fuse and the wiring was not hooked up from factory. I have sent all required information to discover and they have refused to refund me my money or do a charge back and are helping displace defective goods into the diestrum of commerce while defrauding the elderly and disable. They ruled in favor of XXXX XXXX without hearing from the card holder. This was XXXX decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
Your company is reporting several accounts with multiple inaccuracies in each account. The date of last activity and some of the payment history is not matching between Equifax, Transunion, and Experian for each account. This is a violation of the FCRA, and therefor each account must be deleted immediately. Delete each account listed immediately. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I ALSO HAVE AN INQUIRY THAT WAS NOT AUTHORIZED BY ME. THIS IS A VIOLATION OF THE FCRA AND MUST BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. ( XXXX -- XX/XX/year> )

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXX XXXX I had an loan for a XXXXXXXX XXXX XXXX the first XXXX numbers of the account is XXXX my name is XXXX XXXX XXXX I have had several loans with this company and have paid as as agreed all loans but was late on few payments, my credit reflects as being seriously delinquent and is affecting me on future relationships with other financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PHONE # XXXX DOB XX/XX/XXXX SN # XXXX EMAIL XXXX XX/XX/XXXX To : Nelnet Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Hardship Request for Removal of Late Payments Account- ALL LOANS SN # XXXX Dear Nelnet Loan Servicing Customer Service / Executive Resolutions , I am writing to respectfully request a goodwill adjustment regarding late payment notations reported on my U.S. Department of Education student loan account serviced by Nelnet Loan Servicing During XXXX XXXX XX/XX/XXXX. I experienced serious financial hardship due to reduced work hours. As a result, I was unable to make my student loan payments on time. These circumstances were temporary, and I have resolved them since. 

Since then, I have taken steps to ensure that all future payments are timely, including requesting forbearance/deferment when needed. I have made every effort to remain in good standing and will continue to do so. 

I kindly ask that XXXX, in partnership with the U.S. Department of Education, consider removing or suppressing the late payment notations from my credit reports as a gesture of goodwill. This adjustment would help me rebuild my credit profile, which is essential to achieving financial stability.

I also

respectfully remind Nelnet Loan Servicing of the requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires accurate and complete reporting. Any late payment reporting that occurred while loans were in forbearance, deferment, or covered by federal relief programs ( such as CARES Act suspension periods ) may constitute inaccurate reporting and should be corrected immediately.

Please provide written confirmation of your review and any corrective action taken. I deeply value the support provided by the Department of Education and Nelnet Loan Servicing and hope you will consider this request favorably.

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
Formal Notice of FCRA 623 Violation Inaccurate Credit Reporting To Whom It May Concern, I am contacting you regarding the XXXX  XXXX account ( Account No. XXXX ) that was charged off and closed in XXXX. Despite its closure, your company continues to report late payments as recently as XXXX tho my credit. 

This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers of information to provide only accurate and complete information. Reporting late payments after a charge-off is false and misleading, and constitutes illegal re-aging of the account. This XXXX XXXX account was closed/charged off in XXXX. Late payments showing in XXXX are impossible and inaccurate. Please investigate and delete this account.

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 2025-08-22 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 don't regonize this address, name, or date of birth please 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 2025-08-22 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: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

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 2025-08-22 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX, KY, XXXX XXXX Spruce Ct, XXXX, KY, XXXX FIRST XXXX BANK XXXX : {$0.00} CREDIT XXXX XXXX XXXX XXXX : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX, KY, XXXX XXXX Spruce Ct, XXXX, KY, XXXX FIRST XXXX BANK XXXX : {$0.00} CREDIT XXXX XXXX XXXX XXXX : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00}

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 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am writing as a victim of identity theft and/or unauthorized use of my personal information, and I am requesting immediate action pursuant to the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2 ( a ). 
Under this statute, I formally request that all accounts negatively affecting my credit be blocked or deleted from my credit file. This includes, but is not limited to, the following accounts : XXXX. XXXX XXXX XXXX - Account ending in XXXX XXXX CREDIT MANAGEMENT COMPANY - Account ending in XXXX ( Medical Collection )

Company response to consumer: Closed with explanation