vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: DE

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

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 2025-04-24 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:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these 4 accounts attached to the FTC report have been reinserted illigally back onto my consumer creditreport. This reassertion is not permitted unless the furniture certifies the information as accure and is nolt the resultof identity theft, and I am provided written noticeat least 5 business days before the information is reinserted. FCRA 15 U.S. C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforted! 15 U.S.C 6801 saysthat thesefinancial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for ir to be reportedas in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity.

If I may kindly request these address be removed from my report as well. I ran out of characters on the FTC report. 

( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ca XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ( XXXX ) XXXX XXXX CT. 
XXXX XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ca 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 2025-04-24 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report regarding XXXX XXXX XXXX XXXX  XXXX XXXX credit card account ( Account Number ending in XXXX ). 

According to the credit report I obtained, there appears to be a record indicating late payments associated with this account. However, upon careful review of the payment history and account details, there is no evidence of any late payments. The report reflects consistent, on-time payments each month, and the payment history section clearly shows a pattern of zero delinquencies ( status code 0 ) from the accounts opening date in XX/XX/XXXX through XX/XX/XXXX. 

Furthermore, the Amount Past Due column has remained at {$0.00} for the duration of the reporting period, and the status of the account is listed as Pays As Agreed. 

Given this evidence, I respectfully request that this error be corrected and that the inaccurate late payment designationif it exists in any version of the credit filebe removed immediately from my credit profile. Maintaining an accurate credit report is critical, and I am requesting this correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this dispute and provide written confirmation once the correction has been made.

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 2025-04-24 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report regarding XXXX XXXX XXXX XXXX  XXXX XXXX credit card account ( Account Number ending in XXXX ). 

According to the credit report I obtained, there appears to be a record indicating late payments associated with this account. However, upon careful review of the payment history and account details, there is no evidence of any late payments. The report reflects consistent, on-time payments each month, and the payment history section clearly shows a pattern of zero delinquencies ( status code 0 ) from the accounts opening date in XX/XX/XXXX through XX/XX/XXXX. 

Furthermore, the Amount Past Due column has remained at {$0.00} for the duration of the reporting period, and the status of the account is listed as Pays As Agreed. 

Given this evidence, I respectfully request that this error be corrected and that the inaccurate late payment designationif it exists in any version of the credit filebe removed immediately from my credit profile. Maintaining an accurate credit report is critical, and I am requesting this correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this dispute and provide written confirmation once the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report serious concerns regarding the legality and legitimacy of my student loan accounts, which I believe were originated and/or serviced in violation of the Family Educational Rights and Privacy Act ( FERPA ) .

I have contacted both the credit reporting agencies and the relevant loan servicers to dispute these accounts. However, I am now escalating this matter to the Consumer Financial Protection Bureau due to the seriousness of the potential FERPA violations and the lack of transparency and proper documentation from the involved parties.

Specifically, I believe my education records and personally identifiable information were improperly disclosed or used without my prior written consent during the origination or servicing of my loans. As a result, I am questioning the enforceability and accuracy of these loan accounts and requesting your intervention in conducting a full investigation.

Enclosed are copies of the dispute letters sent to the credit bureaus and loan servicers, along with supporting documentation related to the loans in question.

Please review this matter and take appropriate action to ensure compliance with FERPA and the Fair Credit Reporting Act ( FCRA ). I respectfully request updates on any findings or resolutions regarding my complaint. 
Thank you for your assistance and attention to this issue. 
Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-04-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
This is my second formal dispute of the following fraudulent accounts that were previously removed from my credit report. Shockingly, these accounts have now been reinserted without proper notice or investigation, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Accounts to Be Removed Immediately ( Again ) : " XXXX XXXX XXXX  Account number XXXX '' Reporting Bureaus : Experian & TransUnion These accounts were previously disputed, found to be inaccurate or unverifiable, and removed, only to be illegally reinserted without any written notification as required under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I have not received any proof of validation, such as the original signed contract or application, and yet these accounts have mysteriously reappeared. Violation of FCRA and CFPB Precedent Under federal law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are obligated to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681c-2 : I have the right to block fraudulent or identity theft-related information. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If deleted information is reinserted, the CRA must provide written notice within 5 business days which did not happen. 15 U.S.C. 1681n : I have the right to seek damages for willful noncompliance. Additionally, both XXXX XXXX Bank and XXXX XXXX have come under scrutiny by consumers and regulators for improper credit reporting and deceptive practices. The CFPB has received hundreds of consumer complaints about both companies mishandling credit reporting, misreporting payment status, and failing to validate debt when requested. Demand for Immediate Action I demand the following actions be taken immediately : Permanent removal of both accounts from my credit report. Written confirmation that these accounts will not be reinserted again. An updated copy of my credit report reflecting the deletions. Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Additional complaints to the Federal Trade Commission ( FTC ) and my State Attorney General Legal action under 15 U.S.C. 1681n for willful violations of the FCRA Final Notice You are now on official notice of this second dispute. I expect full and timely compliance with federal law. Any further reinsertion of these accounts without proper validation and notice will be treated as a deliberate violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Absolute Resolutions Investment is reporting inaccurate information to my credit report and have been for several months now. Reporting 6 late payments to my credit through XXXX  but showing 7 failed payments in the history. Also, Ive never had a contract with Absolute Resolutions. They have no authorization to report my personal information to my credit report. They are showing a different balance then what XXXX XXXX, the alleged original creditor shows.

If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws. I will also accept the removal of the account from my credit report in 15 days of receiving this letter.

Please send the results of this dispute and the updated credit report to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
ITEMS ON MY CREDIT REPORT ARE SHOWING DELINQUENT AND THIS IS NOT TRUE. OTHER ACCOUNTS ARE REPORTING INACCURATE DATES AND AMOUNTS. PLEASE ADVISE THE CREDIT BUREAUS TO DO A THOROUGH INVESTIGATION ON MY ENTIRE CONSUMER 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 non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-04-24 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: 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 on my XXXX XXXX  account [ XXXX ]. 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 2025-04-24 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: IN

Complaint narrative:
Student Loan Borrower 's Defense letter not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have requested to close my account several times. I deposited {$200.00} I used the card however I didn't use all {$200.00}, I have a balance owed of {$130.00}. The remaining balance is {$65.00}. On several occasions I have called to be left hanging. I feel Capitol One is stealing my money on top of all this they are charging me interest on my money.

Please help me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

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 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
The interest rate 699.9998 %. I needed the loan to pay off the other payday loan. This interest rate is way above Californias limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request that you investigate this item and remove it from my credit report if it is found to be inaccurate or beyond the reporting time limit. Please send me written confirmation of the results of your investigation.

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 2025-04-24 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:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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