vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Negative credit reporting due to computer system errors reporting incorrect information and duplicating errors. XXXX confirmed the information is incorrect/problem verbally over the phone. XXXX ( XXXX ) different XXXX XXXX reported as 90 days delinquent. There are only XXXX ( XXXX ) loans and they are current. No 30 days, 60 days, or 90 days notice and was confirmed by XXXX as system errors transferring the loan information, notices sent by XXXX were returned to XXXX is what was verbally confirmed to me by phone. I spoke to XXXX reporting agency shown on my negative credit report, and they indicated they are unable to provide me with a copy of the system reporting the inaccurate information because it is in a different system called XXXX. 

I would like to request the XXXX removal of inaccurate credit reporting due to errors of transferring the loan, inaccurate/outdated computer systems not updating information, duplicating errors, and political miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Contacted creditor to discuss inaccuracies ( late payments ) they acknowledged inaccuracies on credit report and they stated contact credit reporting agency 's to update accounts to reflect on time payments and remove late payments called on XX/XX/year> to try to get 90 day late payment removed and they stated to contact credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I had my original federal student loans through XXXX. They kept getting delayed and delayed during COVID in XXXX, so I never started making payment on my account with XXXX because nothing was due yet. I planned to wait to pay until they were supposed to be due. One day I checked my XXXX account and my balance was XXXX. I was unsure what happened but was never reached out to for payment from XXXX and thought they may have still been on pause. Then about a month ago my XXXX  credit score dropped drastically and I was shocked. After looking into it on my credit card app, it showed that I had late payment from Aidvantage student loans. I was unaware that they transferred my loan and unaware that payments started. Aidvantage said that they reached out to me but I never received anything. After graduating I was in the process of living back home with my Mother, then moving in with my brother. I never received anything in the mail at the old house or new house that I was residing. As soon as I saw that payments were late and I owed money, I paid it right away and put my account on autopay so that I will never miss a payment. But since they claimed my original payments late ( that I was unaware of ) my credit took a massive hit and dropped over XXXX points. I pay my debts on time and never had intentions of not paying them. through the forbearance periods, covid, and student loan forgiveness talks in the media I was unaware that my loan transferred, or that anything was due. I feel that I should not be penalized on my credit report for simply not knowing something was due. If I did know that payments were due I would have paid them to avoid all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: CA

Complaint narrative:
Since XX/XX/year>, I have experienced at least three separate data breaches that exposed my sensitive personal information. As a result, Ive been severely impacted by multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts, inquiries, and negative activity tied to my name that I did not authorize or initiate. 

These companies have reported new accounts or collections on my credit profile, despite my repeated disputes and warnings that the data they are using may be tied to identity theft or unauthorized access. Ive never knowingly opened accounts with some of them, and for others, I had no idea accounts were being created or altered under my name.

Ive taken several steps to protect myselfsubmitting disputes directly to the credit bureaus, freezing my credit, and reaching out to these companies for clarity. Despite that, I continue to be held responsible for debt and activity I do not recognize. My efforts to get a clear response or resolution from these creditors have been ignored or brushed off with vague explanations or verified statuses that make no sense given my situation.

At this point, I do not know which accounts are legitimate and which are fraudulent. Im requesting that these companies stop reporting until they can definitively prove I authorized these accounts. I feel Ive been taken advantage of due to these breaches, and I urgently need the CFPB to intervene and assist in resolving these serious credit inaccuracies.

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 2025-05-15 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:
Please remove inaccurate information caused by TD BANK EMPLOYEE ie Late payment

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 2025-05-15 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: PA

Complaint narrative:
Please remove inaccurate information caused by TD BANK EMPLOYEE ie Late payment

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Klarna AB
State: NV

Complaint narrative:
On XX/XX/year>, I called Klarna, Inc and made a payment of {$120.00}, which was retrieve from my XXXX XXXX XXXX XXXX. Then I ask for the final payment, which was {$580.00}, which on the same day I purchased the money order from XXXX and sent priority mail on the XX/XX/year>. It was cash on XX/XX/year>, and also, I had to wait until XXXX XXXX to send a copy of the Money Order to me showing it has been cash. I also retrieve a copy of the XXXX XXXX register from the XXXX XXXX of the individual that signed showing that Klarna , Inc received the registered mail # XXXX and the Article Address : Klarna, Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. I received several emails that I was late for payments and a final letter showing Klarna , Inc. informing me of interest of an account that has the final payment and close. So, I can not tell where the money order was posted in who's account and each time I called is the same old story over and over. Something, needs to done reference about Klarna , Inc. 

Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to to file a complaint given my financial losses suffered as part of Citibank 's negligence upon closing my savings account on XX/XX/year>. Citibank erroneously mailed my check for {$180000.00} to an old address instead of the correct address listed under my bank account addresses in the system. As a result of Citibank 's negligence, I currently have no means of accessing the bulk of my assets and paying my bills. I reached out to Citibank 's Executive Response Unit on XX/XX/XXXX to inquire about the status of my check, to which it responded XX/XX/XXXX confirming that my check was sent to the old address ( case number XXXX ). I've attempted to reach Citibank 's Executive Response Unit by phone ( XXXX ) several times over the past week, including today, seeking to get my check sent to the correct address, and the number only goes to voicemail. 

I will further note that the only notice Citibank provided to close my savings account was by letter in XXXX to the erroneous mailing address, without any other form of notification whether by email or phone call. As I am currently in the XXXX for XXXX, I had no means of planning for this unexpected account closure, and had to fly home in an effort to open a new bank account and transfer my assets. Citibank, for some reason, did send my checking account check ( {$1000.00} ) to the correct address, but my $ XXXX in savings remains tied in Citibank for the last 16 days and counting.

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 2025-05-15 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: SC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-15 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: FL

Complaint narrative:
Equifax is inaccurately reporting a charge-off for XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a balance of {$2000.00}. This reporting is not only inaccurate but also potentially linked to data breaches, as it fails to meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), Equifax is legally obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information it provides. Despite my clear disputes, Equifax continues to report this charge-off without proper verification, demonstrating a clear failure to meet these statutory obligations.

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs widespread failures in conducting proper reinvestigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleged that the company engaged in sham investigations, violating its obligations under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681 ( a ) ( 5 ) requires the prompt deletion or correction of any inaccurate, incomplete, or unverifiable information. Equifaxs ongoing failure to comply with these legal requirements not only violates my rights but also exposes the company to significant legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any 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.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any 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.

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 2025-05-15 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: FL

Complaint narrative:
I calleXXXX XXXX XXXX XXXX XXXX  to pay of a credit card account we agreed to settle for XXXX and i paid it off now experian is reporting on my credit that i still have a balance of XXXX when XXXX XXXXXXXX XXXX XXXX closed it off and sent me info saying it was paid in full. experian says it investigated and i believe its not done right and is hurting my 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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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