vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
I recently reviewed my credit report and noticed an account that was not reported accurately. I had one late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and promptness.

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 2025-07-11 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: GA

Complaint narrative:
To : LEGAL DEPARTMENT Department of Education XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Reporting Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Dear DEPARTMENT OF EDUCATION I am writing to formally dispute the accuracy of the payment history being reported on my student loan account referenced above. According to my credit report, this account is showing multiple 180-day late payments, yet there is no history of any 30-day late payments or any progression of delinquency, which is inconsistent with how delinquency is reported per standard credit reporting practices. 




Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are required to provide accurate and complete data. The reporting of a 180-day delinquency without any prior 30, 60, or 90-day delinquency markers appears to be factually and procedurally inaccurate, as it misrepresents the actual status and history of the account.

I am requesting that you : 1. Investigate the accuracy of this accounts reported late payment history.

2. Provide documentation supporting the alleged 180-day delinquency.

3. Immediately correct or delete the inaccurate reporting if it can not be properly validated. 



Please consider this letter as a formal dispute pursuant to the FCRA. I request that you complete your investigation within 30 days, as required by law, and provide written confirmation of your findings and any corrections made. 

If you fail to respond or continue to report inaccurate information, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further remedies under federal law. 

Sincerely, 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 2025-07-11 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:
Statement to the Consumer Financial Protection Bureau Regarding Fraudulent and Inaccurate Credit Report Entries To Whom It May Concern, I am writing to formally report multiple inaccuracies and fraudulent entries that appear on my credit reports across the major credit bureaus. These errors are severely affecting my personal and financial integrity. Firstly, my legal name, current home address, and employment information listed on the reports are incorrect and do not reflect my true identity or current situation. I have not authorized or submitted any changes that would justify such erroneous personal data being displayed.

Furthermore, I have discovered that there are multiple entries listed under the Office of the Attorney General that are categorically incorrect and unrelated to me. I have no knowledge or legal association with any of these accounts, and I strongly assert that they do not belong to me. These accounts should be immediately removed to prevent further reputational and financial damage. 

In addition to these issues, I have never had any financial relationship or accounts with the following companies XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foot XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX These entries are fraudulent and must be investigated and expunged from my credit files without delay. 

It is also critically important to note that I did not authorize any hard or soft credit inquiries from the aforementioned creditors. These inquiries were made without my consent or knowledge and constitute a violation of my privacy and consumer rights. I request that all unauthorized inquiries be investigated and removed immediately to restore the accuracy of my credit report. 

Given the extent and seriousness of these inaccuracies and fraudulent activities, I respectfully request an urgent and thorough investigation into my case. I am prepared to submit supporting documentation to verify my identity and to dispute all the erroneous and fraudulent entries. I trust that the CFPB will assist in ensuring that my consumer rights are upheld and that these issues are rectified promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Statement to the Consumer Financial Protection Bureau Regarding Fraudulent and Inaccurate Credit Report Entries To Whom It May Concern, I am writing to formally report multiple inaccuracies and fraudulent entries that appear on my credit reports across the major credit bureaus. These errors are severely affecting my personal and financial integrity. Firstly, my legal name, current home address, and employment information listed on the reports are incorrect and do not reflect my true identity or current situation. I have not authorized or submitted any changes that would justify such erroneous personal data being displayed.

Furthermore, I have discovered that there are multiple entries listed under the Office of the Attorney General that are categorically incorrect and unrelated to me. I have no knowledge or legal association with any of these accounts, and I strongly assert that they do not belong to me. These accounts should be immediately removed to prevent further reputational and financial damage. 

In addition to these issues, I have never had any financial relationship or accounts with the following companies XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foot XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX These entries are fraudulent and must be investigated and expunged from my credit files without delay. 

It is also critically important to note that I did not authorize any hard or soft credit inquiries from the aforementioned creditors. These inquiries were made without my consent or knowledge and constitute a violation of my privacy and consumer rights. I request that all unauthorized inquiries be investigated and removed immediately to restore the accuracy of my credit report. 

Given the extent and seriousness of these inaccuracies and fraudulent activities, I respectfully request an urgent and thorough investigation into my case. I am prepared to submit supporting documentation to verify my identity and to dispute all the erroneous and fraudulent entries. I trust that the CFPB will assist in ensuring that my consumer rights are upheld and that these issues are rectified promptly. Thank you for your attention to this matter.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello- I am following up because XXXX still has yet to replay in any form in regards to this issue, while my credit suffers tremendously. It is also starting to have personal affects while I have been rejected from certain applications due to credit score.

I had stated this message in my original statement. I was never informed in any manner that payments would resume. Nor was I informed who the loan carrier was after the XXXX shut down. I found out due to my own diligence and action after seeing the large credit drop. I would like to request that this be removed or retroactively reversed under the on-ramp protections and due to lack of proper notice. 

After seeing XXXX wrongfully reporting as if I willingly or knowingly made a non payment, I immediately went out of my way to create accounts and payments. While they still have yet to acknowledge their actions or take any form of next steps to repair the damage. 

I am hoping this can be escalated and resolved as it has been months now.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello- I am following up because XXXX still has yet to replay in any form in regards to this issue, while my credit suffers tremendously. It is also starting to have personal affects while I have been rejected from certain applications due to credit score.

I had stated this message in my original statement. I was never informed in any manner that payments would resume. Nor was I informed who the loan carrier was after the XXXX shut down. I found out due to my own diligence and action after seeing the large credit drop. I would like to request that this be removed or retroactively reversed under the on-ramp protections and due to lack of proper notice. 

After seeing XXXX wrongfully reporting as if I willingly or knowingly made a non payment, I immediately went out of my way to create accounts and payments. While they still have yet to acknowledge their actions or take any form of next steps to repair the damage. 

I am hoping this can be escalated and resolved as it has been months now.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello- I am following up because XXXX still has yet to replay in any form in regards to this issue, while my credit suffers tremendously. It is also starting to have personal affects while I have been rejected from certain applications due to credit score.

I had stated this message in my original statement. I was never informed in any manner that payments would resume. Nor was I informed who the loan carrier was after the XXXX shut down. I found out due to my own diligence and action after seeing the large credit drop. I would like to request that this be removed or retroactively reversed under the on-ramp protections and due to lack of proper notice. 

After seeing XXXX wrongfully reporting as if I willingly or knowingly made a non payment, I immediately went out of my way to create accounts and payments. While they still have yet to acknowledge their actions or take any form of next steps to repair the damage. 

I am hoping this can be escalated and resolved as it has been months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Product : Business credit line / small business credit card Issue : Credit denial / adverse action Description of the Problem : On XX/XX/year>2025 I applied to Bank of America for a {$1000.00} unsecured credit line for XXXX XXXX XXXXa XXXXbased startup that plans to import smart devices and develop XXXX XXXX XXXX for wearable technologies. I needed this small line purely to establish the XXXX  credit history. 
Despite : - A 2-year BoA banking relationship ( XXXX XXXX  ) - A personal XXXX score of XXXX with no late payments- Over {$140000.00} in deposits ( plus $ XXXX/month salary ) verified in my BoA checking account. 
- My personal guarantee on the full amount. 

my application was denied after a hard credit inquiry. The denial notice cited insufficient business history, even though XXXX XXXX approved me immediately for a {$2000.00} business card the next day. When I called for clarification, a BoA representative was unprofessionally blunt : you will not get credit cardand refused to reconsider. 

Why I Believe This Is Unfair : My extensive deposit and income history were ignored. 
The requested amount was minimal and fully backed by my personal guarantee. 
The hard inquiry now harms my credit despite no credit being extended. 
I received rude, dismissive treatment from BoA staff.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-07-11 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:
I am disputing a collection account from XXXX XXXX XXXX, related to XXXX XX/XX/XXXX The report shows : Settled - Less Than Full Balance and Paid Collection, despite the debt being resolved in XX/XX/year> and showing a {$0.00} balance. 

This account continues to damage my credit even though it is no longer owed. I request validation of the reporting, and removal if it can not be confirmed under FCRA 611 ( a ) ( 5 ), or at minimum, correction to a less harmful status such as Collection - Paid - {$0.00} Balance with the remarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To Whom It XXXX Concern, XXXX writing about a debt you contacted me about XXXX XXXX XXXX XXXX. I do not admit that I owe this debt. 

Based on my records, the last payment on this account was in 2019. Since I live in Florida and the statute of limitations for this type of debt is five years, I believe this debt is too old to be collected through the court.

Because of that, Im asking you to stop contacting me about this debt. If you continue to try to collect or report it to the credit bureaus as new or active, that could be a violation of my rights under the Fair Debt Collection Practices Act. 

Sincerely, 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This letter serves as a formal dispute of the collection account referenced above, which is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this alleged debt.

Specifically, I am requesting the following : A complete and executed assignment of contract proving legal transfer of the alleged debt from the original creditor to your company, A copy of the original signed agreement or contract, and A full itemization of how the balance was calculated.

As the current party claiming ownership and reporting this debt, you are legally required to maintain and provide documentation to prove the legitimacy and accuracy of the debt. If you are unable to provide the requested documents within 15 calendar days of receipt of this notice, I demand that you immediately delete this account from all credit reporting agencies ( XXXX, Experian, and XXXX  ) in accordance with FCRA 611 [ 15 U.S.C. 1681i ], which requires the removal of unverifiable information.

This is a final opportunity to resolve this matter amicably and 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter serves as a formal dispute of the collection account referenced above, which is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this alleged debt.

Specifically, I am requesting the following : A complete and executed assignment of contract proving legal transfer of the alleged debt from the original creditor to your company, A copy of the original signed agreement or contract, and A full itemization of how the balance was calculated.

As the current party claiming ownership and reporting this debt, you are legally required to maintain and provide documentation to prove the legitimacy and accuracy of the debt. If you are unable to provide the requested documents within 15 calendar days of receipt of this notice, I demand that you immediately delete this account from all credit reporting agencies ( Equifax, XXXX, and XXXX ) in accordance with FCRA 611 [ 15 U.S.C. 1681i ], which requires the removal of unverifiable information.

This is a final opportunity to resolve this matter amicably and in compliance with the law.

Company response to consumer: Closed with explanation