vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue XXXX  and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the XXXX  caused.

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 2025-06-12 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: TN

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-06-12 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/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 2025-06-12 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-12 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:
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 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 2025-06-12 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: FL

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 2025-06-12 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
Hello, I have been placed into an administrative ( processing ) forbearance. As soon as this happened, my interest was capitalized but interesting all " payments '' stopped being reported to studentaid.gov. It's clear that the SAVE forbearance doesn't count toward anything, but it's also clear that when you're on a processing forbearance it does count, so it's interesting that my payments all of a sudden have not been reported since XX/XX/XXXX, right before the processing forbearance. 

In XXXX, I received a document ( attached ) that says my repayment would start under XXXX ( I submitted an application quite a while ago ) but not until XX/XX/year>. However, when I sent a message to them that I wanted to re-enter payment under IBR right away they sent me a message saying that I was still in SAVE and that they weren't processing any IRB applications unless you filed taxes as single or married with no income. This is in direct opposition to the law that says nothing about having to be single or married with no income to be eligible for IBR.

Also, why did I receive a document saying my payments changed and I was in IBR and then when I asked to make a payment was told I am not in IBR? And why can't Mohela report my " payments '' that should count under a processing forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear XXXX investigators, I am writing to formally file a consumer complaint against American Express, which I believe acted unfairly and irresponsibly by unilaterally canceling my credit card accounts without any prior notice or explanation on XX/XX/year>. I am XXXX of the victims as a result of XXXX XXXX potential XXXX discrimination against XXXX because XXXX XXXX  of people impacted by this cancellation are XXXX card holders, a group of over XXXX people. This action not only violated my reasonable expectations as a consumer but also resulted in significant financial harm and disruption to my business and personal obligations. 

Background : - Cardholder Name : XXXX XXXX - Card Type and Account Number ( last XXXX digits ) : -- -- Platinum Card ( ending in XXXX ), -- -- XXXX XXXX  ( ending in XXXX ), -- -- Business Platinum Card * XXXX ( ending in XXXX and XXXX ), -- -- XXXX XXXX XXXX XXXX ( ending in XXXX ), -- -- XXXX XXXX Brilliant ( ending in XXXX ), -- -- XXXX XXXX ( ending in XXXX ), -- -- Blue Cash Preferred ( ending in XXXX ) - Date of Account Cancellation : XX/XX/year> - Annual Fee Charged and not refunded : {$4400.00} Financial Impact : The cancellation severely impacted my credit access and led to business losses estimated over {$15000.00}, due to non refunded annual fee, forfeited Membership Points accumulated over years, significantly lowered credit scores and availability of payment accounts. 

Despite multiple attempts to contact American Express customer service in the past few weeks, I have not received any substantive explanation or resolution. They have refused to issue a prorated refund of the annual fee, and the unexpected nature of the cancellation left me with no time to make alternative financial arrangements. 

Consumer Rights Concern : California currently lacks statutory protections that ensure consumers receive prorated refunds for annual credit card fees in cases of issuer-initiated cancellations. By comparison, Massachusetts General Laws Chapter 140, Section 114C protects its residents by mandating a prorated refund when a credit card account is canceled. I urge the California Department of Justice and the XXXX to consider enacting similar consumer protection laws to prevent this type of unjust financial harm from recurring. 

Thank you for your time and attention. I respectfully request that your office review this matter and provide any possible assistance or redress. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 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 2025-06-12 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: AZ

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-06-12 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: TX

Complaint narrative:
I PROVIDED THE COMPANIES AND FTC REPORT AND CREDIT LETTER STATING ALL OF THE LAWS THEY WERE BREAKING BY REPORTING THE INCORRECT 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
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
I am disputing charges on XXXX # XXXX issued by First Financial Bank ( XXXX, OH ). The bank is attempting to collect interest that it claims accrued during the XXXX pandemic in 2020 while the loan was in forbearance or under deferred terms. 

I was not informed at the time that interest would continue to accrue and be billed later, nor did I agree in writing to such terms. Additionally, First Financial Bank was a participant in federal COVID relief programs such as the Paycheck Protection Program ( PPP ) and the Main Street Lending Program ( MSLP ), and may have received reimbursement or compensation from the federal government for losses or interest on loans during that time.

If First Financial Bank was compensated by the federal government for interest losses or loan relief, and is now attempting to recoup the same interest from me, I believe this constitutes double billing and may violate federal consumer protection laws.

I am requesting that the CFPB investigate whether this charge is lawful, whether the loan was part of any federally reimbursed portfolio, and whether proper disclosures were made to me as the borrower at the time of forbearance or deferral.

I have made a formal request to the bank for a full itemized interest ledger and disclosure of any federal reimbursements received, but have not yet received a satisfactory explanation.

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 2025-06-12 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: AZ

Complaint narrative:
Both TransUnion and XXXX  are currently reporting charge-off accounts that I dispute as inaccurate, unverifiable, and harmful to my credit profile. The first is an account with XXXX XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), reportedly opened on XX/XX/XXXX, with a balance of {$1700.00}. The second is an account with XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/XXXX, which shows a {$0.00} balance but is still being reported with a derogatory status. 

I dispute the validity of these accounts as they appear on my credit file. In the case of XXXX  XXXX XXXX, I have received no verifiable documentation confirming my legal obligation to this alleged debt, nor any original agreement, charge-off notice, or detailed account history. Without such foundational evidence, there is no basis for continuing to report this accountparticularly as a charge-off involving a substantial balance. 

The XXXX XXXX XXXX account is even more problematic. It reflects a XXXX balance, which logically indicates the debt is either resolved, invalid, or withdrawn. Yet TransUnion and XXXX  still maintain a derogatory status associated with this account. That is misleading, inaccurate, and a violation of reporting standards. Reporting a {$0.00} balance as derogatory damages my financial credibility without cause and misrepresents my current financial standing. 

Both credit bureaus are bound by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. Once an account is disputed, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that a timely and reasonable reinvestigation must be conducted. If the information can not be fully verified with original, accurate documentation, it must be deleted under 1681i ( a ) ( 5 ).

At no point have I been provided with documents that support continued reporting of either of these accounts. In the absence of verifiable information confirming the accuracy, ownership, and current relevance of these entries, TransUnion and XXXX  are in violation of their legal duties by continuing to publish these derogatory marks.

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 2025-06-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My credit score is approximately XXXX, reflecting an excellent history with Amex and a credit limit. I received an offer for an additional card that would not impact my credit score. I decided to proceed and submitted an application for it. Subsequently, I discovered that my credit score had decreased by XXXX points, dropping from {$11000.00} to {$6700.00} on XX/XX/XXXX, and they allocated {$6100.00} to the new card without my consent. 

They executed this action without my authorization, resulting in a XXXX decline in my credit score??? 

I attempted to contact AMEX, but there was no resolution to the problem. I spent over 2 hours on the phone with the overseas credit department without resolving the issue. I was then transferred to customer service, where I was placed on hold for more than 45 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  DATE XXXX XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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