vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number # XXXX for my auto loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my auto loan, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important 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 2025-08-16 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: PA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15USC 1681section 602 a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX  and XXXX  are consumer reporting agencies and I am the Consumer. I have the rightto make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers 'nonpublic personal information ' ( Flagship credit acceptance ) is a financial institution by definition under that title. 15 USC 1681 section 604 a states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " ( XXXX XXXX XXXX  ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crime which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A States " A person shall not furnish 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of the section 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under section 1681b of this title. '' XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because Equifax and Experian reinserted an XXXX XXXXXXXX XXXX XXXXXXXX account that was previously deleted after a prior dispute, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

This account ( Account # XXXX ) was deleted from my credit file after Equifaxs investigation. However, on or around XX/XX/year>, it was reinserted without proper verification. 

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless the furnisher certifies it is complete and accurate and the consumer is notified within 5 business days with a copy of the furnishers certification. Equifax has failed to provide this certification.

I have not been provided with any original signed contract, application, or verifiable documentation proving this account is mine. Without such evidence, continued reporting is a violation of FCRA 1681i ( a ) and 1681s-2 ( b ).

Additionally, I am invoking my right under FCRA 1681c-2 to have this account blocked permanently due to previous identity theft concerns and unverifiable reporting. 

I am demanding : Permanent deletion of the account from my credit file A copy of the original furnisher certification received by Equifax Cessation of all future reporting of this account unless supported by verifiable documentation This complaint is against both Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for failure to comply with the FCRA.

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 2025-08-17 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:
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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint as a follow-up to my prior CFPB dispute regarding my XXXX XXXX XXXX XXXX account XXXX 

XXXX XXXX has acknowledged that I was late only in XX/XX/year>. However, the credit bureaus ( XXXX Equifax, and XXXX  ) are still showing me as late for XX/XX/year> and XX/XX/year>, even though I made those payments on time under an arrangement with XXXX XXXX. 

XX/XX/year> - payment was missed ( correct late ). 
XX/XX/year>- {$590.00} payment made ( proof attached ). 
XX/XX/year>- {$980.00} payment made under agreed catch-up plan ( proof attached ). 
XXXX & XX/XX/year>- also paid under arrangement and not reported late. 

Equifax is reporting a 60-day late, while XXXX  and XXXX  are reporting 30-day lates for the same months. This proves the information is inconsistent and unreliable. XXXX XXXX has admitted I was only late in XX/XX/year>, so any 30-day or 60-day reporting for XXXX or XXXX is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
I am filing this complaint as a follow-up to my prior CFPB dispute regarding my XXXX XXXX XXXX XXXX account . 

XXXX XXXX has acknowledged that I was late only in XX/XX/. However, the credit bureaus ( XXXX, XXXX, and TransUnion ) are still showing me as late for XX/XX/2024 and XX/XX/2024, even though I made those payments on time under an arrangement with XXXX  XXXX. 

XX/XX/2024 - payment was missed ( correct late ). 
XX/XX/2024- {$590.00} payment made ( proof attached ). 
XX/XX/2024- {$980.00} payment made under agreed catch-up plan ( proof attached ). 
XXXX & XX/XX/2024- also paid under arrangement and not reported late. 

XXXX  is reporting a 60-day late, while XXXX  and TransUnion are reporting 30-day lates for the same months. This proves the information is inconsistent and unreliable. XXXX XXXX has admitted I was only late in XX/XX/2024, so any 30-day or 60-day reporting for XXXX or XXXX 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 non-monetary relief
Consumer complaint received 2025-08-16 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This is my third CFPB complaint regarding this account, and Aidvantage continues to provide incomplete and evasive responses. 

My federal student loan was originally taken out with a different school which was later sold to XXXX XXXX XXXX XXXX, a separate entity I never enrolled in, never signed with, and had no knowledge of. The obligation was transferred without my consent, constituting an unlawful novation. 

A novation under contract law ( UCC Article 3 ) requires the explicit agreement of all parties including the borrower. No such agreement was ever made or presented to me. 

Despite filing a Borrower Defense application outlining this contractual breach, I was denied with no explanation that addressed the novation issue. Aidvantage has ignored the legal basis of my claim and continues to report the loan inaccurately, damaging my credit and blocking my right to remedy. 

I am formally demanding : A copy of the original promissory note and school contract Proof of novation, with my signature or consent Immediate investigation and removal of this debt based on the voided contractual link I am including both Aidvantage and the Department of Education in this complaint due to their shared responsibility in administrating, transferring, and servicing this loan without proper legal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was reviewing my Experian credit report and noticed some improper unauthorized inquiries that do not belong to 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 explanation
Consumer complaint received 2025-08-17 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
The following account is being reported inaccurately and must be removed : Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off / Past Due {$13000.00} This reporting is inaccurate, inconsistent, and unverifiable. The account shows conflicting information regarding payment history, balance, and status. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. Because this account can not be verified as accurate and complete, it must be deleted. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete that item from the file. Please provide me with written confirmation of the results of your reinvestigation within the 30-day period required by federal law. If you verify this information, I request that you provide me with the name, address, and telephone number of each furnisher of information contacted in connection with your reinvestigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-08-16 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: GA

Complaint narrative:
I am filing this complaint as a follow-up to my prior CFPB dispute regarding my Capital One XXXX XXXX account . 

Capital One has acknowledged that I was late only in XX/XX/year>. However, the credit bureaus ( XXXX, XXXX, and XXXX  ) are still showing me as late for XX/XX/year> and XX/XX/year>, even though I made those payments on time under an arrangement with Capital One. 

XX/XX/year> - payment was missed ( correct late ). 
XX/XX/year>- {$590.00} payment made ( proof attached ). 
XX/XX/year>- {$980.00} payment made under agreed catch-up plan ( proof attached ). 
XXXX & XX/XX/year>- also paid under arrangement and not reported late. 

XXXX  is reporting a 60-day late, while XXXX  and XXXX  are reporting 30-day lates for the same months. This proves the information is inconsistent and unreliable. Capital One has admitted I was only late in XX/XX/year>, so any 30-day or 60-day reporting for XXXX or XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-17 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: IA

Complaint narrative:
I recently checked my recent credit report and noticed multiple accounts that do not belong to me harming my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: IA

Complaint narrative:
I recently checked my recent credit report and noticed multiple accounts that do not belong to me harming my profile.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im not authoritative for any orders to open new credit cards I do that 2 years ago and I know its not good for my credit someone else use my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXXLVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXXRE: Cease and Desist  Account XXXX and Account XXXXTo Whom It May ConcernXXXX am writing to formally demand that LVNV Funding LLC cease and desist all communication with me regarding the above-referenced accounts. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692c(c), I hereby request that you immediately stop all telephone calls, letters, emails, or any other form of contact concerning these alleged debtsXXXXPlease note that this request includes any and all communications directed to me, my family, my employer, or any third party in connection with these accounts. You are further notified that any continued contact will be considered harassment and a violation of federal law.\n\nIf you believe that I owe any valid debt, please provide written proof of the alleged debt, including the original creditor, the amount, and any documentation supporting your claim. Until such validation is provided, you are prohibited from contacting me regarding these accounts.\n\nPlease acknowledge this letter in writing and confirm that all collection efforts and communications regarding these accounts have ceased. Failure to comply with this request will leave me with no choice but to report your actions to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Attorney Generals office.\n\nThank you for your immediate attention to this matter.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I filed a dispute with Citi regarding XXXX order # XXXX and the related transaction of {$1200.00} from XXXX XXXX XXXX XXXX XXXX WA XXXX dated XX/XX/year>. I returned the item from this order on XX/XX/year> via XXXX XXXX. 

Citi Case ID : XXXX Citi reviewed my dispute, received a response from XXXX, and on XX/XX/year>, issued a decision in favor of XXXX. 

In the documents XXXX provided to Citi, they claim that I did not return the item. However, they themselves included the XXXX return tracking number XXXX, which clearly shows that the item was delivered to an XXXX warehouse on XX/XX/year>. 

Therefore, I do not understand how Citi decided in favor of XXXX when the XXXX tracking history clearly confirms the return. 

I am requesting that Citi issue the refund to me. XXXX has not provided any valid evidence to support their claim that the item was not returned. On the contrary, they provided Citi with the very XXXX tracking number that proves the item was successfully returned.

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