vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
On several attempts I have reached out to Experian to have them to remove the derogatory information off of my credit report for non-payment of medical bills that are the responsibility of the XXXX  XXXX XXXX XXXX, as I am a XXXX  % XXXX XXXX. 

I have provided the Member XXXX and the Plan XXXX that shows ownership to the XXXX XXXX XXXX XXXX XXXX however Experian never investigates this in order to rectify the situation.

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 2025-06-13 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:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX XXXX  / XXXX  XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-14 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 became aware of fraudulent accounts listed under my credit profile. These accounts were not opened by me, and I have no connection to them. In line with XXXX XXXX. XXXX, I am requesting their deletion within 1XXXX days. Attached are supporting documents.

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 2025-06-13 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-14 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1666b Timing of Payments concerning the inaccurate and unlawful reporting of an account listed as : Creditor : XXXX XXXX XXXX  ( Closed ) Account Number : XXXX XXXX Summary of Violations : XXXX. Failure to Provide Required Disclosures Before Reporting Late Payments Equifax has added late payments to my consumer report regarding the above-referenced account without providing any required disclosures or notices prior to doing so. This is a direct violation of : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1666b Creditors must apply payments correctly and can not penalize consumers without proper processing and notification. 

I was never sent a notice giving me the opportunity to cure the alleged delinquency before the negative information was placed on my report. This failure to notify me deprived me of my rights under federal law and unfairly damaged my credit profile. 

XXXX. Demand for Immediate Removal I am requesting the immediate deletion of all late payments associated with this account. Equifax has a duty to ensure that all information it includes in a consumer report is both accurate and lawfully obtained. Failing to correct this violation will result in further legal action, including a formal lawsuit for damages and injunctive relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Please see attachments.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I made multiple attempts to contact BMW regarding assistance with my payment due that month. Due to unforeseen family circumstances, I required a brief extension or support in managing the payment. Unfortunately, I did not receive any assistance or resolution, which ultimately resulted in a XXXX late payment being reported. This significantly impacted my credit score. 

Additionally, BMW initially reported the late payment as occurring in XXXX, which was inaccurate. When the correction was made to reflect the actual delinquency in XXXX, it caused a second drop in my credit score. This series of events has had a substantial negative effect on my financial standing and has limited my family 's ability to access essential credit-based services. 

I respectfully request a review of this situation and any possible steps that can be taken to address the impact of this reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting XXXX payments. After going over my credit report, I noticed incorrect XXXX payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, I received a voicemail from a senior account manager at Synchrony Bank ( XXXX ) confirming that an encoding issue occurred and I would receive XXXX adjustments on my XXXX XXXX account : XXXX for {$1000.00} and another for {$720.00}. She stated these would be applied within XXXX business days. 

On XX/XX/year>, I received a letter from Synchrony Bank confirming that the {$1000.00} had been credited. However, I have not received access to those funds, and the {$720.00} adjustment was never applied or mentioned in writing. 

I mailed a formal dispute letter with all supporting documentation to Synchrony Bank ( XXXXXXXX XXXX XXXX, XXXX, PA XXXX ) via USPS tracking number XXXX. Delivery is expected on XX/XX/year>. 

I am requesting that Synchrony Bank complete the promised credits totaling {$1700.00} or provide a full explanation for the incomplete resolution.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year> I was XXXX, robbed, and physically coerced to give the robbers my personal information and credentials that they used to gain access to my PayPal account. They stole {$800.00} from my account and XXXXayPal has ruled in favor of the robber and sent me to collections. I have filed a report with the FBI Internet Crime Complaint Center. I have copies of the FBI report I filed and I can send that if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax Dispute Department, I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ) and 15 U.S.C. 1681. I am writing to formally dispute the accuracy of the accounts and collections listed on my credit report. Upon reviewing my credit report, I noticed that the collections accounts referenced below are incorrect and should be removed.

Details of the disputed account : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 




Details of the disputed account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The collection account listed above is incorrect for the following reason : I have no recollection of this account. 


I request that you investigate this matter and remove the entry from my credit report. According to the Fair Credit Reporting Act, you are required to investigate disputes within 30 days and provide me with the results. 
Please confirm receipt of this letter and inform me of the status of the dispute at your earliest convenience. Should you require additional documentation or clarification, I am happy to provide it. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

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

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$1300.00}

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 2025-06-14 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: GA

Complaint narrative:
This complaint is submitted against Equifax and the debt collector XXXX XXXX, regarding the account listed as : Account Name : XXXX XXXX Account Number : XXXX XXXX This account is being reported on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Violations : XXXX. Failure to Provide Required Disclosures Prior to Reporting Collection Under both federal and state consumer protection laws, a debt collector is required to provide written notice and disclosures before reporting a collection account to the credit bureaus. I did not receive any state-mandated disclosures, nor was I notified in writing by XXXX XXXX regarding this alleged debt before it appeared on my consumer report. 

This failure violates : 15 U.S.C. 1681s-2 ( a ) of the FCRA, which prohibits the reporting of information without proper investigation and accuracy ; 15 U.S.C. 1692g ( a ) of the FDCPA, which mandates a debt collector to send a written notice containing the amount of the debt, the name of the creditor, and the consumers right to dispute within XXXX days of initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
I am filing this complaint regarding the failure of the major credit bureausEquifax, Experian, and TransUnionto properly investigate and resolve my disputes concerning inaccurate and/or unverifiable information on my credit report.

These unresolved inaccuracies are negatively affecting my creditworthiness and have caused unnecessary financial hardship, XXXX, and difficulty obtaining credit and essential services.

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 2025-06-14 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: GA

Complaint narrative:
I am filing this complaint regarding the failure of the major credit bureausEquifax, Experian, and TransUnionto properly investigate and resolve my disputes concerning inaccurate and/or unverifiable information on my credit report.

These unresolved inaccuracies are negatively affecting my creditworthiness and have caused unnecessary financial hardship, XXXX, and difficulty obtaining credit and essential services.

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 2025-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EDvantage LLC
State: NC

Complaint narrative:
In 2024, I enrolled in XXXX XXXX XXXX XXXX, which advertised lifetime mentorship as part of its program. After paying approximately {$10000.00} through Tuition Options, I was assigned a mentor who later stopped responding entirely. Despite multiple follow-up emails, I received no reply, and no new mentor or support was ever assigned to me. I was not notified of any staff departure or how to continue my program.

I reached out to Tuition Options to request deferment due to financial hardship. Instead of providing options, they told me I had to pay {$160.00} just to apply for a deferment plan not to begin one, just to be considered.

This process feels deceptive and predatory. The mentorship that justified the programs cost was never delivered. I am disputing the validity of the loan balance and requesting removal of this obligation due to breach of contract and lack of support by bot
h XXXX XXXXXXXX XXXX XXXX and Tuition Options. I also request a halt to any potential credit reporting or collections activity.

Company response to consumer: Closed with explanation