vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
I am reaching out to request an investigation into these accounts due to inaccurate reporting on my credit report. Under USC 1681g, I am formally asking for their removal within 15 days. I have included all pertinent documents for your thorough review. In addition, the information related to these accounts is not only inconsistent but also incorrect across the major credit reporting agencies.

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 2025-07-19 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: MA

Complaint narrative:
I am disputing an inaccurate late payment being reported by Equifax on my credit file for a closed account with XXXX XXXX ending in XXXX. Equifax is reporting that I was 30 days late on this account, even though the account was paid in full and closed as of XX/XX/year>2020, with a {$0.00} balance. 

Both XX/XX/XXXXand XX/XX/XXXXcorrectly report this same account as current, with no late payment history. The information being reported by Equifax is inconsistent with the other credit bureaus and appears to be inaccurate or unverifiable. 

I submitted a factual dispute to Equifax under my rights provided by the Fair Credit Reporting Act ( FCRA ), requesting correction or deletion of the late payment status. I am requesting that Equifax update the account to reflect a closed and paid status with no late payments, or remove the derogatory information entirely if it can not be verified. 

This inaccurate reporting is unfairly damaging my credit profile, and I am requesting the CFPBs assistance in resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: Nelnet, Inc.
State: TX

Complaint narrative:
In 2022, my federal student loan was transferred from Great Lakes to Nelnet. I had previously made years of consistent payments under Great Lakes, but after the transfer, my loan balance was recalculated to over {$52000.00} without any explanation or documentation showing how prior payments were applied.

I am currently enrolled in the SAVE Plan, which reflects $ 0 monthly payments and 0 % interest due to my income status. Despite this, Nelnet continues to report a high and increasing balance. I requested a full payment history and accounting breakdown, including how they applied my past payments and calculated the current balance, but I have not received a response.

I submitted a formal dispute to Nelnet and to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, including documentation such as my SAVE Plan enrollment and payment records from Great Lakes. However, Nelnet has not corrected the inaccurate information or provided verification.

Their failure to validate the debt and their inaccurate credit reporting are negatively impacting my credit and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I submitted a dispute regarding an inaccurate account, but they are now blocking access to my dispute results online. When I log in, the system only displays a message saying, Your dispute results are currently not available online. This prevents me from reviewing the outcome, verifying what was or wasnt corrected, or taking any next steps. 

This directly violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 6 ) ( B ) ( iii ) which requires that a consumer reporting agency provide written notice of the results of a reinvestigation, and the information must be accessible in a clear and timely manner.

611 ( a ) ( 7 ) requiring disclosure of the procedure used to determine the accuracy and completeness of the information.

605 ( c ) related to the maximum time information can remain on a report, which may be relevant depending on account age.

Additionally, I was not provided any documentation or source details showing how Experian verified the account. This failure to disclose violates my right to transparency and prevents me from filing a proper reinvestigation.

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 2025-07-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Spoke with XXXX agent # XXXX on XX/XX/year> about the late payment on my credit profile and she was not able to verify that I have this late payment. I was then transferred to a supervisor named XXXX agent # XXXXXXXX XXXX XXXXXXXX. XXXX was not able to locate this late payment and gave me the phone number to the credit bureau. XXXX  keeps verifying the information is correct but how could they when Comenity CBXXXX could not validate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
am filing an additional complaint against Experian because their previous response was vague, unhelpful, and failed to directly address the concerns outlined in my original complaint. Rather than acknowledging or investigating the issue I raised, their response simply included generic information about the dispute process and how to file onesomething I had already done prior to submitting my initial complaint. 

As of XX/XX/year>, my credit score has continued to drop, now by an additional 14 points, despite no negative changes appearing on my credit report. The Experian platform does not provide a clear or valid reason for this decline. It simply references increased account balances, yet none of my accounts carry a balance except for my student loan, which has not reported any updates since XXXX. 

XXXX failure to provide a meaningful or specific explanation, coupled with their inadequate customer service options ( i.e., no ability to speak with a live representative ), is deeply concerning. These continued unexplained score drops are negatively impacting my financial standing and livelihood.

Credit reporting agencies must be held accountable for transparency and accuracy. I appreciate the CFPBs assistance in ensuring these standards are upheld.

Ive attached screenshots what Experians app and website is stating, including my chat with XXXX, XXXX  AI assistant, in which I attempted to understand why my score dropped today, XX/XX/year>. The latest alert actually showed positive changes, with no negative activity reported. However, the explanation provided was vague and unhelpful, referencing general factors that could impact a credit scoredespite the highlighted information being over three years old and not new or relevant to the recent drop.

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 2025-07-19 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-19 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: PA

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 I 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 non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-19 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: CA

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 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 2025-07-19 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:
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 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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents.See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was given a {$500.00} gift card on father 's day ( XX/XX/XXXX ) and still have not been able to access my money as of XX/XX/XXXX. They locked the card after XXXX attempted transaction and stated that I needed a replacement card " for my protection '' they told me to wait XXXX business days and the new card would come in the mail and it never did. Unlike a true XXXX card, it did not give me the option to verify the transactions and just freeze the card until it received confirmation ; instead, they just closed it suddenly and without my consent. I gave them 2 extra business days from XX/XX/XXXX and spoke with XXXX in customer service, XXXX who supposedly was a supervisor- who did nothing to resolve the issue, I received a call back from a supervisor name vergal, and he initially did not offer a viable solution. He then says all they can do is put in for another replacement card. I finally receive the 1st replacement card on XX/XX/XXXX and ask for them to activate this card and they can cancel the one in the mail ( which is an option when dealing with an electronic banking system ) and it was refused. I am now waiting on a 2nd replacement card ( 3 cards in total from the initial purchase on XX/XX/XXXX ). 

I keep getting the runaround and still have no access to {$500.00} that was easily uploaded to this visa card from a XXXX XXXX XXXX ( in which an activation fee was also purchased at the time of loading the card ). I would like someone to thoroughly investigate this fradulent company. I can't 'even pay the bills I intended to pay with this money because they keep cutting the cards off and will not provide me with any viable resolution. I need help! please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information 1. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1600.00} 2. XXXXXXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$280.00} 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} 4. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$390.00} 5. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$260.00} 6. XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} 7. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 8. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 9. XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 10. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$110.00} Fraudulent Inquiries : 1. XX/XX/XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX 4. XX/XX/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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I checked my credit and saw that I had a collection of {$8000.00} on my credit report for balance of rent owed to the creditor XXXXXXXX XXXX XXXX This is account is not supposed to be there due to the COVID 19 hardship period. I was laid off of my job and was not able to pay my rents at the time. Most of the rent was supposed to be forgiven during that period but I was not aware I was supposed to dispute this item. 

Fair Collections & Outsourcing , Inc . 
FCO Creditor : XXXX XXXX XXXX XXXX XXXX Please help me to resolve this as this is hurting credit and score and stops me from getting another accomodation.

Company response to consumer: Closed with explanation