vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-20 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am filing this complaint because my student loan servicer, XXXX, has failed to accurately report my deferment status to the credit bureaus. 

My school has verified through the XXXX XXXX XXXX that I am a full-time student and in an eligible deferment period. However, XXXX continues to report my loans as delinquent, causing a drop in my credit score and inaccurate debt status. 

I have provided XXXX with written documentation showing that my enrollment and deferment were properly reported, but the negative information remains on my credit reports. I am requesting that this issue be reviewed and corrected.

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 2025-10-20 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: IL

Complaint narrative:
I am filing this complaint because my student loan servicer, XXXX, has failed to accurately report my deferment status to the credit bureaus. 

My school has verified through the XXXX XXXX XXXX  that I am a full-time student and in an eligible deferment period. However, XXXX continues to report my loans as delinquent, causing a drop in my credit score and inaccurate debt status. 

I have provided XXXX with written documentation showing that my enrollment and deferment were properly reported, but the negative information remains on my credit reports. I am requesting that this issue be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am filing this complaint because my student loan servicer, XXXX, has failed to accurately report my deferment status to the credit bureaus. 

My school has verified through XXXX XXXX XXXX XXXX  that I am a full-time student and in an eligible deferment period. However, XXXX continues to report my loans as delinquent, causing a drop in my credit score and inaccurate debt status. 

I have provided XXXX with written documentation showing that my enrollment and deferment were properly reported, but the negative information remains on my credit reports. I am requesting that this issue be reviewed and corrected.

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 2025-10-20 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb, which governs the permissible purposes for furnishing consumer reports. The agency has reported or disclosed information from my credit file without my written consent or any legal authorization. I did not provide any written instructions permitting the collection or dissemination of this information. This constitutes a clear violation of the FCRAs permissible purpose provision, and I have formally disputed the items in question.

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 2025-10-20 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: FL

Complaint narrative:
CFPB Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XXXX XXXX Account # XXXX Dear CFPB, I am filing this complaint because XXXX XXXX and the XXXX credit bureaus ( Experian, Equifax, TransUnion ) are inaccurately reporting a late payment on XX/XX/XXXX, [ Year ] for my XXXX XXXX account # XXXX. 

The delinquency resulted from a payment reversal / bank error, not my failure to pay. I was already charged a late fee, which resolved the contractual obligation. Reporting it again as a delinquency is misleading and unlawful under the FCRA. 

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : prohibits reporting information known to be inaccurate.

15 USC 1681s-2 ( a ) ( 2 ) : requires correction once notified.

15 USC 1681a ( 2 ) ( A ) ( i ) : excludes transactional experiences from consumer reports. 

I have disputed directly with the bureaus and provided documentation, but the error persists. 

Requested Resolution : XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment. 

Ensure they cease reporting this transaction as a derogatory item. 

Provide written confirmation of correction. 

Attached Evidence : Proof of payment reversal Copies of dispute letters sent to Experian, Equifax, and TransUnion XXXX reports showing the inaccurate late payment Thank you for assisting in enforcing my rights under the FCRA. 

Sincerely, [ Signature ] 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 2025-10-20 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: FL

Complaint narrative:
CFPB Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XXXX XXXX Account # XXXX Dear CFPB, I am filing this complaint because XXXX XXXX and the XXXX credit bureaus ( Experian, Equifax, TransUnion ) are inaccurately reporting a late payment on XX/XX/XXXX, [ Year ] for my XXXX XXXX account # XXXX. 

The delinquency resulted from a payment reversal / bank error, not my failure to pay. I was already charged a late fee, which resolved the contractual obligation. Reporting it again as a delinquency is misleading and unlawful under the FCRA. 

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : prohibits reporting information known to be inaccurate.

15 USC 1681s-2 ( a ) ( 2 ) : requires correction once notified.

15 USC 1681a ( 2 ) ( A ) ( i ) : excludes transactional experiences from consumer reports. 

I have disputed directly with the bureaus and provided documentation, but the error persists. 

Requested Resolution : XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment. 

Ensure they cease reporting this transaction as a derogatory item. 

Provide written confirmation of correction. 

Attached Evidence : Proof of payment reversal Copies of dispute letters sent to Experian, Equifax, and TransUnion XXXX reports showing the inaccurate late payment Thank you for assisting in enforcing my rights under the FCRA. 

Sincerely, [ Signature ] 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 2025-10-20 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:
CFPB Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XXXX XXXX Account # XXXX Dear CFPB, I am filing this complaint because XXXX XXXX and the XXXX credit bureaus ( Experian, Equifax, TransUnion ) are inaccurately reporting a late payment on XX/XX/XXXX, [ Year ] for my XXXX XXXX account # XXXX. 

The delinquency resulted from a payment reversal / bank error, not my failure to pay. I was already charged a late fee, which resolved the contractual obligation. Reporting it again as a delinquency is misleading and unlawful under the FCRA. 

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : prohibits reporting information known to be inaccurate.

15 USC 1681s-2 ( a ) ( 2 ) : requires correction once notified.

15 USC 1681a ( 2 ) ( A ) ( i ) : excludes transactional experiences from consumer reports. 

I have disputed directly with the bureaus and provided documentation, but the error persists. 

Requested Resolution : XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment. 

Ensure they cease reporting this transaction as a derogatory item. 

Provide written confirmation of correction. 

Attached Evidence : Proof of payment reversal Copies of dispute letters sent to Experian, Equifax, and TransUnion XXXX reports showing the inaccurate late payment Thank you for assisting in enforcing my rights under the FCRA. 

Sincerely, [ Signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX Illegally reported to my cbr No knowledge of Debt They have no signature or contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CBC Companies, Inc.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
I contacted this company in XX/XX/year>, and they agreed to remove the collection from my credit report. However, it was re-added shortly after. When I reached out to the National Recovery Agency, they were unhelpful and provided no clear information. I have never received services from this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have not been able to use my account, customer service is offline, both in the app as well as the phone call. I have bills to pay today and chime isnt allowing any payments from anyone 's account. How am I able to access my funds or just live for the day if I cant access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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