vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I requested a copy of my report and I did not receive from the company. I demand to send me a copy my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian ARIZONA XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Despite my lawful request , you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: SC

Complaint narrative:
MOHELA has failed to provide accurate information and documentation regarding my XX/XX/XXXX Despite repeated attempts to communicate with the company, they have : Failed to validate or explain discrepancies in my loan information. 
Did not provide billing statements in a timely manner, which caused confusion and delayed payments. 
Incorrectly reported my loan status to credit reporting agencies, negatively affecting my credit score.

Ignored my written request for information under my rights as a borrower, including failure to respond with original loan documentation or a clear payment history.

Continued reporting disputed information without properly marking the account as disputed under the Fair Credit Reporting Act ( FCRA ).

These actions have caused financial and emotional distress, including damage to my credit and difficulty in accessing accurate loan information.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
I am submitting this complaint against Avant , LLC to request a full accounting and documentation related to an account bearing my name, in accordance with Uniform Commercial Code ( UCC ) 9-210. Despite prior efforts to obtain this information directly, Avant has not fulfilled my request. I am seeking full transparency concerning the nature, status, and treatment of this account, which Avant has either originated, serviced, collected, or reported. A complete accounting of the account under UCC 9-210, including : A detailed, itemized statement showing all debits, credits, charges, interest, fees, and payments ; Current balance breakdown ( principal, interest, etc. ) ; Identity of the current holder or creditor of the account.

Any and all tax forms filed with the IRS, especially any Form 1099-C ( Cancellation of Debt ) or similar reporting associated with this account. 

All records of transfer, sale, or assignment of the account to any third party, entity, or trust, including : Documentation of legal assignment ; Servicing rights transfer agreements ; Chain of title. 

Any documentation confirming securitization of the account, including : The name of the trust ( if applicable ) ; Trustee bank ( s ) and servicing agents ; Pooling and Servicing Agreements ( PSAs ) ; Any public SEC filings or private placement memoranda if this account is part of a securitized asset pool. 

Avant has failed to provide transparency regarding how my account has been handled, potentially violating federal consumer protection and commercial transaction laws. I have reason to believe the account may have been : Charged off and/or reported as canceled without proper disclosure ; Transferred or sold without notifying me as the consumer ; Involved in a securitization transaction where trustee banks or agents may now hold an interest. 

These actionsif truematerially affect my consumer rights and obligations and raise concerns about the accuracy of reporting, servicing, or enforcement of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MI

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC regarding the inaccurate and incomplete reporting of an account listed on my credit file as XXXX account # XXXX. The reported information is not only incomplete but also legally noncompliant, as it includes alleged late payments that violate my consumer protections under federal law. 



Facts : 1. The XXXX account is listed on my TransUnion credit report with the partial account number XXXX XXXXXXXX. 
2. The listing is incomplete because it fails to include the full account number, making it impossible for me to verify the accuracy or legitimacy of the reporting.

3. Additionally, the account reflects several alleged late payments, which I dispute as inaccurate.

4. TransUnion has not provided verification or documentation substantiating the delinquency dates, nor have they offered any means for me to validate or investigate the claim due to the missing full account number. 
5. Under 15 U.S. Code 1666b Timing of payments, creditors must provide a reasonable amount of time for consumers to make payments before they are considered late. Any payment marked late without proper notice or appropriate timing requirements is a direct violation of federal law.

Legal Basis : According to 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. TransUnions reporting of an account with an incomplete number, alongside unverifiable late payments, is a violation of these requirements. 



Conclusion : The reporting of incomplete account information and unverifiable late payments by TransUnion is in clear violation of my rights under 15 U.S. Code 1666b and the FCRA. I respectfully request the CFPB investigate this matter and ensure that TransUnion complies with all applicable consumer protection laws.

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 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the inaccuracies found in my credit reports from XXXX and TransUnion regarding the account with XXXX XXXX XXXX Account Number : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete, as outlined in 15 USC 1681i.

Discrepancies 1. Account Type : - Experian lists this account as an " Auto Loan, '' while TransUnion categorizes it as an " Installment Account. '' 2. Account Status : - The balance reported by Experian is {$18000.00} with a write-off of {$10000.00}, whereas TransUnion shows a total balance of {$27000.00}.

3. Balance Updated Dates : - The last updated date for the Experian report is XX/XX/XXXX, while the TransUnion report reflects XX/XX/XXXX. 

These discrepancies not only affect my credit score but also my ability to secure future credit.

Legal References According to * * 15 USC 1681c-2 , a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, case law such as XXXX v. XXXX  XXXX XXXX XXXX XXXX XXXX, highlights the importance of accurate reporting and the consumer 's right to dispute inaccuracies. 

I am requesting that the inaccuracies be investigated and corrected accordingly. Please provide me with a written confirmation of your investigation results within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this matter. 

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 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a dispute with Chase Bank regarding a transaction that was either unauthorized or misrepresented by the merchant. I provided documentation supporting my claim and made several good-faith efforts to resolve the issue. Chase initially issued a temporary credit but later reversed it, stating that the merchant denied the claim and submitted documentation supporting their position. 

I requested to speak with the actual claims department or someone who could review the facts with me in detail, but I was repeatedly redirected to the Recovery Department, who told me they were not authorized to share documents or take escalations. When I asked for copies of the documentation the merchant submitted, Chase refused to provide them. I also asked to speak to a supervisor multiple times and was either stalled or given vague responses. 

The documentation Chase claims to have received from the merchant conflicts directly with my own records, which I faxed and uploaded during the dispute process. Despite this, no one at Chase gave any indication that my evidence was properly reviewed. 

I believe Chase handled this dispute with a lack of transparency, did not properly investigate the claim, and is now refusing to provide me with the documentation that led to the reversal of the temporary credit. This has left me financially harmed and without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am filing this complaint against EXPERIAN for their continued reporting of inaccurate account information and unauthorized credit inquiries on my credit file. I have previously disputed these items directly with Equifax, but no corrections have been made, and no meaningful investigation has taken place in violation of the Fair Credit Reporting Act ( FCRA ). 
The following accounts remain inaccurately reported : XXXX XXXX ( opened XX/XX/XXXX, reporting a false - {$190.00} balance ), XXXX XXXX XXXX ( opened XX/XX/XXXX, reporting an erroneous {$1100.00} balance. These accounts are materially misrepresenting my credit profile and must be removed immediately. Given that EXPERIAN has failed to act upon my prior dispute efforts and continues to report inaccurate and unauthorized information, I am requesting that the CFPB compel EXPERIAN to immediately delete the accounts listed above. Continued noncompliance reflects willful negligence under FCRA, and I reserve the right to escalate this matter further to the Federal Trade Commission ( FTC ) and my state Attorney General if no resolution is achieved. I appreciate the CFPB 's assistance in ensuring this matter is properly addressed and corrected.

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 2025-05-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MD

Complaint narrative:
On XX/XX/year> I was notified via email my package was delivered however there was no package outside my door. I immediately contacted American eagle to advise and was advised to wait XXXX hours. I contacted the shipper after I contacted XXXX XXXX and they said it was delivered and sent a picture showing it was left outside my apartment complex. Further investigation showed XXXX XXXX did not put my apartment number on the mailing label even though it shows on my confirmation email. I didn't receive the delivered email until an XXXX hour and XXXX plus mins after it was left outside. I went downstairs to search for it and it was not there. After waiting XXXX I contacted American eagle who said they are not responsible for lost or stolen packages however when I went to the store to seek help they said that is not true. I don't have my package and waited ample time to see if someone would turn it in. XXXX XXXX or XXXX needs to refund me my money cause I have not received the items I paid for. I disputed with XXXX 3 times which they denied all the claims saying XXXX XXXX said it was delivered even though I showed proof it was not delivered to my actual apartment door. Each time I inquired with XXXX which tracking number XXXX XXXX said was delivered they gave the second shipment tracking number which was delivered by XXXX. I advised XXXX I was referencing the package XXXX delivered and that's why the XXXX claim was opened and XXXX. There was XXXX shipments for order number # XXXX. XXXX : Standard ( XXXX Parcel Expedited ) Tracking ID : XXXX delivered XX/XX/XXXX. I am referencing the first one that was delivered on XX/XX/XXXX by tforce Tracking Number : XXXX. That is the one that I did not receive. 

The XXXX jeans I never received are below : AE Dreamy Drape Stretch Ripped Low-Rise Baggy Wide-Leg XXXX Sale Price : {$45.00} Style : XXXX XXXX : Daylight Destroy Size : XXXX X-Long Item Price : {$69.00} Qty : XXXX AE Ripped Low-Rise Ex-Boyfriend XXXX Sale Price : {$38.00} Style : 0437-5628 Color : Indigo Size : 8 Long Item Price : {$59.00} Qty : 1 AE Dreamy Drape 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 monetary relief
Consumer complaint received 2025-05-26 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: 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  XXXX Account Number : 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 2025-05-26 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION 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 EXPERIAN 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 EQUIFAX 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  In accordance with the fair credit reporting act account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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