vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information FCRA Compliance Request under 15 U.S.C . 1681i I am writing to formally dispute and demand the immediate deletion or correction of inaccurate, unverifiable, and unauthorized information currently reported on my credit file. This request is made under the Fair Credit Reporting Act ( FCRA ) and is supported by 15 U.S.C. 1681i and other relevant consumer protection laws. 

Inaccurate Personal Information to be Deleted : Incorrect Names Incorrect Employers XXXX XXXX XXXX XXXX XXXX ) Incorrect Addresses XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts to Be Investigated and Validated : These accounts are inaccurate, incomplete, or unverifiable and must be removed if not fully validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept. of Education / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry to Be Removed : XXXX XX/XX/XXXX Legal Notice of Rights Under Federal Law Under the Fair Credit Reporting Act and FDCPA, you are legally obligated to : Conduct a reasonable investigation into the disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Provide proper documentation validating the account ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Delete or correct any unverifiable or inaccurate information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Failure to comply with these provisions will result in legal action for : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n and 1692k ( a ) ( 2 ) ( A ) ) Actual and punitive damages for harm to credit, emotional distress, and lost opportunities Attorneys fees and costs associated with enforcement of my consumer rights Case Reference : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX billing statements alone do not constitute debt validation. 

Please complete this investigation within the legally allotted timeframe and provide me with a revised copy of my credit report. 

Thank you for your prompt attention. 

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 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information FCRA Compliance Request under 15 U.S.C . 1681i I am writing to formally dispute and demand the immediate deletion or correction of inaccurate, unverifiable, and unauthorized information currently reported on my credit file. This request is made under the Fair Credit Reporting Act ( FCRA ) and is supported by 15 U.S.C. 1681i and other relevant consumer protection laws. 

Inaccurate Personal Information to be Deleted : Incorrect Names Incorrect Employers XXXX XXXX XXXX XXXX XXXX ) Incorrect Addresses XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts to Be Investigated and Validated : These accounts are inaccurate, incomplete, or unverifiable and must be removed if not fully validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept. of Education / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry to Be Removed : XXXX XX/XX/XXXX Legal Notice of Rights Under Federal Law Under the Fair Credit Reporting Act and FDCPA, you are legally obligated to : Conduct a reasonable investigation into the disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Provide proper documentation validating the account ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Delete or correct any unverifiable or inaccurate information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Failure to comply with these provisions will result in legal action for : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n and 1692k ( a ) ( 2 ) ( A ) ) Actual and punitive damages for harm to credit, emotional distress, and lost opportunities Attorneys fees and costs associated with enforcement of my consumer rights Case Reference : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX billing statements alone do not constitute debt validation. 

Please complete this investigation within the legally allotted timeframe and provide me with a revised copy of my credit report. 

Thank you for your prompt attention. 

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 2025-04-12 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: NY

Complaint narrative:
after a recent check on my credit report i notice i had fraudulent account.i do not recognize this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: CA

Complaint narrative:
I opened a line of credit with Advance Financial ( XXXX / CCFlow ) in XXXX and borrowed {$2000.00}. I have been making regular payments for XXXX years, but my balance has barely gone downin fact, it has increased. 

The lender charges excessive monthly billing cycle charges ( often over {$100.00} {$200.00} per month ), and nearly all of my payments have gone toward these fees rather than reducing the principal. For example, I have paid over {$2000.00} in XXXX alone, and my balance increased due to fees. My recent statement showed a charge of {$220.00} for XXXX billing cycle, which I find exploitative. 

Despite payments, the loan remains unaffordable and never-ending. This repayment structure appears predatory, designed to keep borrowers in a debt trap. I have formally notified the lender that I can no longer make payments and requested account closure. I am requesting CFPBs help in investigating this account and ensuring no further harm is done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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 including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed an unauthorized hard inquiry on my consumer report that I would like removed. 

This is a violation of the FCRA and these unverified or unauthorized inquiries must be removed. 
Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

I demand these disputes be deleted immediately. Failure to comply with my demand will be deemed a willful violation under 15 USC 1681 ( n ) making TransUnion liable for statutory and punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning fraudulent accounts that have appeared on my consumer credit reports. Upon reviewing my report, I have discovered several accounts which I do not recognize and believe to be the result of identity theft and fraud. The affected accounts are associated with the following companies and account numbers : LVNV FUNDING Account Number : XXXX {$820.00} LVNV FUNDING - Account Number XXXX {$1000.00} LVNV FUNDING - Account Number : XXXX {$1200.00} LVNV FUNDING- Account Number : XXXX {$2500.00} I have not authorized or opened any of these accounts, leading me to believe that my identity has been compromised. Furthermore, I have numerous notations from credit reporting companies that my information was discovered on the dark web. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be immediately removed from my consumer credit reports. Additionally, I ask that all collection activities related to these accounts be halted. I kindly ask that appropriate actions be taken to investigate these accounts and remove them from my credit reports as soon as possible. Furthermore, I would appreciate being informed of any steps I can take to expedite the removal process. Thank you for your attention to this matter, and eagerly anticipate your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is not willing to accept the fact that amount calculated by it for the merchandize returns is far more than the actual amount of purchase made from the beginning to this date. By inflating the amount, it is trying to avoid payment of cash bonus as advertised.

The complaint # XXXX was registered with CFPB on XX/XX/year> and the agency closed the case without verification that whether TD Bank has dealt with all the issues raised in a satisfactory manner. I think that a response by the company should not be the yardstick in closing the case. But the company has to prove the case that amount of actual purchases and the amount of returns. I request for reopening of the case till the justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I placed an order through XXXX website totaling {$430.00} using Affirm. During checkout, their system prompted me with a highlighted green Suggested Address, which altered the correct address I had entered without clearly notifying me. I realized the error shortly after placing the order and immediately contacted XXXX to request an address amendment. They acknowledged the request and stated the amendment would be processed, but they failed to act in a timely manner. The package was delivered to the wrong address, and I never received it. 

I submitted multiple emails, screenshots, and evidence to Affirm showing that this was caused by XXXX website and not by user error. Despite this, Affirm sided with the merchant, claiming XXXX denied having a suggested address prompt even though I submitted direct proof of that prompt in action. I followed all steps to resolve this properly but was ignored or brushed off throughout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Student Loan Obligations Due to Data Breach and Privacy Violations under FERPA and Title IV To Whom It May Concern, I am writing to formally dispute the validity and enforceability of my federal student loan obligations serviced and/or originated by the U.S. Department of Education ( DOE ) and associated loan servicers. This dispute arises from a recent data breach involving DOGE ( Department of Government Education ), which compromised sensitive personal and educational data belonging to student borrowers, including myself.

This breach represents a clear violation of the Family Educational Rights and Privacy Act ( FERPA ), codified under 20 U.S. Code 1232g, and regulations implementing Title IV of the Higher Education Act of 1965, codified under 20 U.S. Code 1070 et seq.

Grounds for Dispute : 1. Violation of FERPA ( 20 U.S.C. 1232g ) : Under FERPA, educational institutions and agencies receiving federal funds are required to protect students education records and personally identifiable information. The recent breach constitutes a failure to maintain appropriate security and confidentiality safeguards, resulting in the unauthorized disclosure of my private data. 

XXXX. Violation of Title IV Requirements : Title IV of the Higher Education Act governs federal student financial aid programs. As a condition of participation, institutions must adhere to all federal privacy and data protection regulations. The breach indicates non-compliance with statutory and regulatory conditions for federal financial aid, calling into question the legal enforceability of loan agreements formed under such noncompliance. 

XXXX. Material Breach of Contractual and Statutory Obligations : The XXXX Department of Education and/or its servicers failed to uphold their legal duty to safeguard borrower information. This breach of fiduciary responsibility undermines the integrity of the loan contracts and may render them voidable.

4. Consumer Harm and Privacy Violations : I have suffered, and may continue to suffer, from identity theft risks, loss of privacy, financial exposure, and emotional distress as a result of the DOGE data breach. These harms are directly attributable to the Department of Education 's failure to comply with FERPA and Title IV.

I am submitting this dispute under my rights as a consumer and borrower, and request that my complaint be entered into the official record. Please treat this matter with the utmost urgency. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I lease merchandise from a company called XXXX XXXX while active duty several years ago. My account went delinquent during an active lawsuit that was held with XXXX XXXX. I had a collections debt for XXXX pop up on my credit report in XX/XX/year>. I have already requested it be removed because the debt is not owed as I was XXXX of the consumers who was in the lawsuit. XXXX XXXX paid me IN FULL instead of me owing any money at all, and I got to keep the merchandise. This collections agency is wrongfully on my credit report as I do not owe XXXX any money at all. Part of the federal lawsuit the CFPB handled was XXXX had to let consumers keep merchandise and they actually owed all their consumer money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In XXXX, XXXX XXXX  charged off my XXXX account for {$540.00} and assigned it to XXXX XXXX XXXX ( XXXX ) for collection. On XX/XX/XXXX, I settled the account through an offer with XXXX and provided proof of payment during disputes filed with XXXX, XXXX, and Experian. XXXX updated my report to reflect the settlement, but XXXX and Experian did not, stating that XXXX reported no change. In XX/XX/XXXX, XXXX continued to report the full {$540.00} charge-off amount to XXXX and Experian, despite my settlement. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), as XXXX failed to correct the error after my disputes. As a result, my credit score is unfairly lowered, stalling my ability to secure a VA mortgage loan and causing me to miss housing opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NE

Complaint narrative:
In XXXX, XXXX XXXX  charged off my XXXX  account for {$540.00} and assigned it to XXXX XXXX XXXX ( XXXX ) for collection. On XX/XX/XXXX, I settled the account through an offer with XXXX and provided proof of payment during disputes filed with XXXX, Equifax, and XXXX. XXXX updated my report to reflect the settlement, but Equifax and XXXX did not, stating that XXXX reported no change. In XX/XX/XXXX, XXXX continued to report the full {$540.00} charge-off amount to Equifax and XXXX, despite my settlement. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), as XXXX failed to correct the error after my disputes. As a result, my credit score is unfairly lowered, stalling my ability to secure a VA mortgage loan and causing me to miss housing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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