vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian On XX/XX/XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XX/XX/XXXX, I sent a letter to Experian requesting a reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Attached is the tracking number for this correspondence : XXXX On XX/XX/XXXX, I received a response from Experian indicating that their investigation was complete and the accounts in question were deemed accurate. However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX, XXXX - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Details Inaccurate According to 15 USC 1681i ( 5 ), Experian is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation.2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer 's file.

Additionally, under 15 USC 1681e ( b ), Experian must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
Experian has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, 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 2025-07-03 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: MN

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 U.S.C 1681 Account Name.. XXXX XXXX XXXX  .. Account # XXXX.. Account name .. XXXX. Account # XXXX Account Name XXXX XXXX  Account # XXXX account name.. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX .. Account name XXXX XXXX XXXXXXXX account XXXX XXXX.. 
15 U.S.C 1581 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A-Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions .. 15 U.S.C . ( 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 conviction of a crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
What happened : I made a {$2000.00} purchase overseas using my Huntington Bank XXXX card for an ATV. I returned the item, and the seller refused to refund the money to the card. He said he would pay me in cash I never received anything. I immediately explained the full situation to XXXX, and they issued a temporary credit. 

Weeks later, I received a letter saying they are reversing the credit because I didnt provide supporting documents. I was never told documents were required. I gave a full verbal explanation from the beginning and was never contacted for anything further. 

XXXX now being held responsible for a {$2000.00} transaction I already returned because the seller scammed me and the bank is siding with him. This is completely unfair and feels like XXXX being punished for being honest. 

XXXX failed to properly notify me, never followed up to collect more info, and is now letting a fraudulent seller keep my money. XXXX asking for a full investigation and for the dispute to be reopened so I can be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit 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 2025-07-03 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: LA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a {$16000.00} collection placed on my credit by XXXX XXXX XXXX through National Credit Systems, which is grossly inaccurate and unjustified. I lived at this rental property nearly three years ago and left the unit after significant mismanagement by the leasing office and multiple failed attempts to pay my balance. 

Prior to moving out, I was granted a payment arrangement by the property manager due to the nature of my work. Despite this, I was repeatedly issued eviction notices, and my payments were refused. I appeared in court ( the landlord did not ), and I was approved for rental assistance, which emailed the propertybut they failed to respond in time or at all. Their own attorney advised me to use my accumulated cashiers checks to secure housing elsewhere, which I did. 

At the time I vacated, my outstanding balance was approximately {$3200.00}, all of which I had available in cashiers checks that the property refused to accept. There is no explanation for how that amount ballooned to {$16000.00}, and I never received any breakdown or communication about this claim. This amount is inflated with unreasonable fees, and the charge was placed years after I vacated the unit. 

This appears to be a retaliatory and erroneous collection, based on unethical property practices. Im requesting that this item be removed from my credit report due to its inaccuracy, the mishandling of payment attempts, and lack of supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report XXXX inaccurate and unvalidated accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXin violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these accounts multiple times, and each time TransUnion marked them as verified without conducting a proper investigation. I contacted each original creditor directly to request full debt validation, and none were able to provide the required documents. For XXXX, the creditor confirmed they no longer own the account and referred me to XXXX XXXX XXXX XXXX who stated in writing that I have no obligation on the account. With XXXX  XXXX XXXX, I submitted a formal request both through CFPB and via email to XXXX XXXX, Resolution Specialist, and allowed over 30 days for a response, but they failed to provide any documentation on multiple occasions. For XXXX, I never received a full payment history, validation of the debt, or any supporting documentation, even though the account was paid in full over XXXX years ago and continues to harm my credit. XXXX has already deleted this XXXX account from their records. As for the XXXX XXXX credit card, no other credit bureauXXXX XXXX XXXX XXXXXXXX reporting it, and XXXX XXXX has never provided full debt validation upon my requests. Despite presenting all of this evidence to TransUnion, they continue to report these accounts as verified without proof. I am also a documented victim in the XXXX XXXX Trans Union LLC, XXXX XXXX. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX I am attaching supporting documentation with this complaint, including my Social Security number and drivers license.

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 2025-07-03 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 filing this complaint regarding inaccurate, outdated, and misleading information that continues to be reported on my credit reports by several creditors and/or credit reporting agencies. As of XX/XX/year>, my reports from XXXX, Experian, and XXXX reflect numerous derogatory entries including charge-offs, late payments, and bankruptcy-related remarks that I believe are either inaccurate, unverifiable, or misrepresented. 

These negative items have caused substantial personal and financial hardship. I have been : Denied credit for essential needs, including auto financing and a major line of credit needed to consolidate and manage my debts responsibly. 
Offered only high-interest rates that are not reflective of my current income stability and payment history, resulting in higher monthly payments that strain my financial security. 
Unable to qualify for housing opportunities, being turned away by landlords who rely on third-party credit screening agencies that reflect these damaging inaccuracies. 
Emotionally and mentally affected, constantly having to explain past circumstances that Ive worked hard to overcome, yet the reporting agencies continue to allow damaging data to remain without proper validation. 
Despite prior attempts to resolve these issues directly with the furnishers and credit bureaus, the accounts in question remain, some of which are : Accounts reported as charged off or delinquent despite being included in a XXXX XXXX  bankruptcy. 
Duplicate or conflicting notations across different bureaus. 
Incomplete investigation responses or total lack of response. 
I am seeking the CFPBs assistance in requiring the credit bureaus and furnishers to either : Provide verified and accurate documentation that supports each negative item ; or Promptly delete the disputed information from my reports if they can not provide such documentation, as required under the Fair Credit Reporting Act ( FCRA ).

I have attached supporting documents and letters Ive sent directly to the furnishers. Thank you for your time and advocacy on behalf of consumers like myself.

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 2025-07-03 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: VA

Complaint narrative:
I'm reaching out because there's a tradeline on my credit report that is not being reported with the maximum possible accuracy required by law, and XXXX not going to stand by while incorrect data XXXX  my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that any information reported on my credit file is 100 % accurate, complete, and up to date. This tradeline clearly does not meet that standard. Whether it's incorrect dates, amounts, account status, or reporting inconsistencies, the bottom line is this : if you cant report it with maximum accuracy, you are not allowed to report it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc.
State: AL

Complaint narrative:
This is a continuation of the false reporting from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
On or around XX/XX/year>, I attempted to make my scheduled XX/XX/year> loan payment of {$850.00} through Fay Servicings online portal. This amount was clearly displayed on the portal as due. However, the system blocked me from making the payment and instructed me to call Fays customer service line. 

When I called, I was told I could no longer make the {$850.00} paymenteven though it was still shown on the portaland that my loan had triggered a default interest rate of 18 %. I asked for written confirmation of this new amount and the basis for the default rate. I was told that the portal only works for current accounts, but I was never informed of this restriction in writing, nor was there any prior written notice that default interest would be applied. 

I requested a reinstatement quote, and two different representatives from Fay ( XXXX XXXX and XXXX XXXX ) sent me separate quoteseach with different amountsadding to the confusion. Neither quote provided any clear breakdown of how the default interest was calculated. In total, Fay is demanding {$2700.00} to reinstate, which includes {$990.00} in default interest on top of my normal contractual payments. 

I expressed my willingness to make the visible payment of {$850.00}, but was told I could not. I have not received any formal notice of default, and no explanation has been given as to why I am being blocked from curing the delinquency. I believe this may be a deliberate attempt to create a manufactured default and extract more money under pressure.

I am seeking assistance in having Fay Servicing : Accept the original contractual payment amount that is still posted on their portal, Provide a consistent and documented breakdown of amounts owed, And remove the default interest unless they can produce valid notice and justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: PA

Complaint narrative:
I took out Sallie Mae loans between XXXX  and XXXX. 

In XXXX, Sallie Mae sent me a letter congratulating me on returning to XXXX  and confirming my loan was placed in in-school deferment again and never asked to sign anything at the time agreeing to a 48 month policy. Which contradicts their claim that I had already exhausted a 48-month limit, because at this time I would have been over by 72 months at the time of this attached letter. 

In XXXX  and XXXX, Sallie Mae began claiming I had reached a 48-month in-school deferment limit. I sent multiple written requests ( including letters in XX/XX/XXXX ) for copies of my signed promissory note showing this limit. Sallie Mae never provided this documentation. 

Instead, I received form letters stating they were reviewing my request but never sent the promissory note. When I called their representative in late XX/XX/XXXX, I was repeatedly threatened with negative credit reporting within 3 days and told to make a large payment immediately ( {$1900.00} ) to stop these actions. 

On XX/XX/XXXX, Sallie Mae sent another billing statement assessing late fees and demanding over {$6000.00}, without providing the documentation I requested. 

Also, I believe this is an unfair practice, violates the Truth in Lending Act and my right to dispute, and is an intimidation tactic to force payment without proof of the policy they are enforcing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-03 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief