vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I call consumer portfolio to report that the car was in an accident and that it was at XXXXXXXX XXXX XXXX. They stated that they would have someone from their Recovery team to pick the car up but in the process of picking the car up, they coded it as repossession When I called in as an accident claim so now theyre charging my credit account as a repossession and reported it to the credit bureau , which is destroying my credit. This should not have been so because I had XXXX insurance if they would not have sold my car as scraps I could have had a claim for XXXX XXXX can not do anything without a damage report we have no way of getting the damage report because consumer portfolio discarded the property so Im stuck because consume portfolio have not given me a damage report. My car was not repossessed. This is an error on consume. I could have had a claim for XXXX can not do anything without a damage report we have no way of getting the damage report because consumer portfolio discarded the property so Im stuck because consume portfolio have not given me a damage report. My car was not repossessed this error on consumer financial im not understanding I were told to wait before I file a XXXX  claim, but in the process of following the XXXX claim consumer portfolio sold the car when the car was in a automobile accident

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: DC

Complaint narrative:
XXXX department store has continue to violate my rights by continuing to commit fraud against me reporting fraudulent information to my consumer credit report. 

Ive send them over documentation of the perpetrator that stole my identity that was given to me by another debt collector when a validation of debt was requested. 

XXXX seems to be like XXXX and XXXX  that wants to be sued for defamation of character please see the attached file with the person Maryland Driver License face with all my personal information on the Identification. 

I will be filing a lawsuit real soon.

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 2025-04-25 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: DC

Complaint narrative:
XXXX department store has continue to violate my rights by continuing to commit fraud against me reporting fraudulent information to my consumer credit report. 

Ive send them over documentation of the perpetrator that stole my identity that was given to me by another debt collector when a validation of debt was requested. 

XXXX seems to be like Equifax and XXXX that wants to be sued for defamation of character please see the attached file with the person Maryland Driver License face with all my personal information on the Identification. 

I will be filing a lawsuit real soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Today I called dept. of Ed Nelnet to report that someone fraudulently took out a parent plus loan in my name. I never authorized a loan, and I dont know these people, XXXX in total taking out XXXX loans for a total of {$7100.00}. Starting XX/XX/year>. I never attended XXXX  XXXX, nor would I take out a loan for people I dont know. I want my XXXX account cleared of this loan, and I want my name released from this fraudulent loan application, and I want the loan applicants held accountable for identity theft and fraud. I also want XXXX  XXXX and Nelnet to have more strict procedures for validating credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I havent signed up for any loans or credit card I have inquirie and its identity fraud

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 2025-04-25 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: IL

Complaint narrative:
Subject : Dispute of Inconsistent Reporting for the Same Account To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information appearing on my credit report regarding the same account being reported with conflicting details. This discrepancy violates the accuracy and integrity provisions outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Below are the account details in question : Creditor Name : XXXX XXXX Account Number : XXXX * * * * Inconsistencies Noted : Closing Date varies between credit bureaus Account Status reported as closed on XXXX report and open on another payment history differ Loan Type differ This inconsistent reporting is damaging to my creditworthiness and misrepresents my credit history. I am requesting that your bureau investigate this matter and remove it from my credit report Please conduct your investigation within the 30-day window required by law and notify me in writing of the outcome. Enclosed are copies of my ID, Social security car, copy of Transunion credit report, Equifax and Experian credit report screenshot. 

If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may seek legal recourse for any harm caused. 

Sincerely, XXXX XXXX Enclosures : Copy of ID Social Security Card Screnshot of Equifax/experian Copy of highlighted Transunion errors

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-25 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-25 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Deletion of Account I am writing to formally dispute the inaccuracies in my credit report related to my account with XXXX XXXX XXXX After reviewing my records, I have identified several discrepancies that misrepresent my credit history. 

The following points highlight the inaccuracies : 1. The report states that I have * * 22 late payments * * recorded for my account with XXXX XXXXXXXX XXXX. However, both my XXXX and XXXX reports show only * * 21 late payments * *. This inconsistency undermines the integrity of my credit profile.

2. I previously observed that the balance for this account was reported as * * {$2600.00} * *, but I am now seeing that my current balance is listed as * * {$2600.00} * * and it shows I have paid off * * 63 % * * of the original balance of * * {$7200.00} * *. Given that the previous reports indicated higher balances, I find myself questioning the validity and accuracy of these figures. 

In light of these discrepancies, I am requesting the complete deletion of the XXXX XXXX XXXX account from my credit report. This account does not accurately reflect my behavior and may mislead creditors about my creditworthiness. It is vital to clarify why there seem to be shifting balances, and I would like an explanation regarding these variations, as they significantly affect my credit standing. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, I have the right to dispute inaccurate information, and I am formally requesting an urgent investigation into this matter. I expect a thorough evaluation, and I ask that you provide a detailed response regarding these inconsistencies. 

Thank you for your prompt attention to this critical issue. If you need any additional information to process my complaint, please do not hesitate to contact me at the phone number or email address

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 2025-04-25 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Deletion of Account I am writing to formally dispute the inaccuracies in my credit report related to my account with XXXX XXXX XXXX After reviewing my records, I have identified several discrepancies that misrepresent my credit history. 

The following points highlight the inaccuracies : 1. The report states that I have * * 22 late payments * * recorded for my account with XXXX XXXXXXXX XXXX However, both my XXXX and Equifax reports show only * * 21 late payments * *. This inconsistency undermines the integrity of my credit profile.

2. I previously observed that the balance for this account was reported as * * {$2600.00} * *, but I am now seeing that my current balance is listed as * * {$2600.00} * * and it shows I have paid off * * 63 % * * of the original balance of * * {$7200.00} * *. Given that the previous reports indicated higher balances, I find myself questioning the validity and accuracy of these figures. 

In light of these discrepancies, I am requesting the complete deletion of the XXXX XXXX XXXX account from my credit report. This account does not accurately reflect my behavior and XXXX mislead creditors about my creditworthiness. It is vital to clarify why there seem to be shifting balances, and I would like an explanation regarding these variations, as they significantly affect my credit standing. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, I have the right to dispute inaccurate information, and I am formally requesting an urgent investigation into this matter. I expect a thorough evaluation, and I ask that you provide a detailed response regarding these inconsistencies. 

Thank you for your prompt attention to this critical issue. If you need any additional information to process my complaint, please do not hesitate to contact me at the phone number or email address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Deletion of Account I am writing to formally dispute the inaccuracies in my credit report related to my account with XXXX XXXX XXXX After reviewing my records, I have identified several discrepancies that misrepresent my credit history. 

The following points highlight the inaccuracies : 1. The report states that I have * * 22 late payments * * recorded for my account with XXXX XXXXXXXX XXXX However, both my TransUnion and XXXX reports show only * * 21 late payments * *. This inconsistency undermines the integrity of my credit profile. 

2. I previously observed that the balance for this account was reported as * * {$2600.00} * *, but I am now seeing that my current balance is listed as * * {$2600.00} * * and it shows I have paid off * * 63 % * * of the original balance of * * {$7200.00} * *. Given that the previous reports indicated higher balances, I find myself questioning the validity and accuracy of these figures. 

In light of these discrepancies, I am requesting the complete deletion of the XXXX XXXX XXXX account from my credit report. This account does not accurately reflect my behavior and may mislead creditors about my creditworthiness. It is vital to clarify why there seem to be shifting balances, and I would like an explanation regarding these variations, as they significantly affect my credit standing. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, I have the right to dispute inaccurate information, and I am formally requesting an urgent investigation into this matter. I expect a thorough evaluation, and I ask that you provide a detailed response regarding these inconsistencies. 

Thank you for your prompt attention to this critical issue. If you need any additional information to process my complaint, please do not hesitate to contact me at the phone number or email address

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have verified my identity and address with experian on multiple occasions. I have attempted to call countless times and I have not been able to speak with a credit XXXX for a long time. The automated system is nearly impossible to bypass. Today i had to lie my way through the automated system to speak with a XXXX and they attempted to transfer me to the fraud department. It was unsuccessful, ihave been being transferred for hours this is not the first time I have attempted to be transferred to report fraudulent activity with no avail. I believe experian purposely makes speaking with a XXXX directly difficult. Fraudulent lenders have been reporting inaccurate information to experian and even tho i have constantly disputed these items. They manage to reappear under different aliases. Experian is allowing them to submit these inaccuracies even tho I have had their premium membership on several occasions. which has also been useless as i have not been able to view my credit score or official credit report since the year XXXX  I've only been able to view updated disputes. Experian has failed to help me access my credit score or report i haven't been able to apply for any credit for years because of this issue. I have constantly informed them of this matter and they have made no effort to contact me. I would like the cfpb to make sure this issue i am having is addressed and to check if experian has been inaccurately reporting information to my credit file.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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