vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Quall Cardot LLP
State: CA

Complaint narrative:
Quall Cardot LLP did not have a license XX/XX/XXXX when they filed a lawsuit against me that is a crime in XXXX. They got there license XX/XX/XXXX. Therefore it is an unlawful act as the law requires full license. I demand that Quall Cardot LLP turn themselves into the police department to be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I recently became aware of a collection account listed on my credit report. I was never informed about this debt or given an opportunity to validate it prior to its reporting. This lack of prior communication and proper verification concerns me greatly.

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 2025-07-01 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: MN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account was hacked on XX/XX/XXXX. I reported it on XX/XX/XXXX and the froze the account. The account continues to show new fraudulent charges daily. BMO bank opened up another account for me and deposited only {$600.00} of my money. Yesterdays charges dropped off and new charges appeared today, this happens daily. I said if the account is frozen how are they accessing it, why not close it? I am XXXX XXXX XXXX, live in a XXXX  apartment and about to have a stock if this continues. HELP!!

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 2025-07-01 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-01 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: MI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinve
stigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-07-01 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just got a new credit card and went to activate it using the app. The app prompted me to add the card to my XXXX XXXX which I tried to do. Then it said to complete the process of adding the card to my XXXX XXXX I had to call in to Citi Bank. So I called and went through all the verification processes including entering my card number, providing my name and security word. I was then transferred to several people and finally ended up with a rep who informed me she added the new card to my XXXX XXXX. I hung up the call and went to check my XXXX XXXX only to find the card was not there. So I called back again. Once again, I was transferred around and each time I had to be re-verified by providing a security word. Now a man advised me he was going to send me an email to re-verify me and that I would have to wait 24 hours to call back in, even though the prior call had to send me a text message to re-verify me. This man told me I was not allowed to do that. Then the email never came. I called back again and the same thing happened : I was transferred around and how to be verified with each rep. Only this time, the final rep advised me I now had to wait 7-10 days to be re-verified. I sensed that the reps could tell I was a XXXX XXXX and for whatever reason they wanted to mess with me by providing contradicting/false information and by giving me the run around. This time I asked to speak with a supervisor who advised me I could not be verified ( even though I had been verified by every single rep I had spoken with which at this point was about XXXX different people ). I finally figured out they were discriminating against me because apparently they don't like 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 2025-07-01 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I discovered a derogatory delinquency reported by Aidvantage on a federal XXXX XXXX  loan that had already been paid in full years ago. The loan in question was originally serviced by XXXX and applied toward XXXX  XXXX tuition at XXXX. XXXX recently confirmed that all funds were disbursed and applied fully to tuition, with no remaining balance due. XXXX also confirmed a {$0.00} balance and official closure of the account. Despite this, Aidvantage claimed a past-due balance remained and submitted derogatory reporting to the credit bureaus. 

On XX/XX/XXXX, I paid {$2400.00} under pressure to resolve the issue, despite Aidvantage never being able to provide a clear breakdown of the debt. I have since submitted evidence, including : Proof of XXXX {$0.00} balance ( XXXX and XXXX letters ), XXXX confirmation of {$0.00} balance and loan transfer, Aidvantage portal screenshots, Disbursement confirmation, XXXX loan transfer record. 

Aidvantage responded with contradictory and vague statements and failed to remove the derogatory tradeline or refund the payment. Their investigation did not resolve the issue. The continued misreporting has severely harmed credit access for a family-owned business. This matter needs immediate resolution, including full deletion of the tradeline and refund of the payment made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
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 ] 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 2025-07-01 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 am reaching out to dispute a collection account that continues to appear on my credit report despite having been previously settled. I completed payment on this account in accordance with agreed-upon terms and have documentation to support this.

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 2025-07-01 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: MD

Complaint narrative:
XX/XX/XXXX Unnecessary inquiries on my credit report and when I tried to dispute it through the Chat Service I was disconnected and was unable to get back into the app to speak with the representative named XXXX. I tried changing the password and trying to get back into the app but still couldn't get into it. 

I placed a credit freeze on this account last year in XXXX and for some apparent reason, they allow creditors to do soft inquiries on my account. 

Under federal law, you can freeze and unfreeze your credit report for free at the three nationwide credit reporting companies which I did, to prevent others from opening accounts in my name and also prevent identity thief. 

XXXX from. TRANSUNION told me that she would send me a link PII for identity verification, however, I never received the link, and the chat was disconnected. 

I tried everything to get back in and nothing worked. Documentation is provided. I'm trying to get a free copy of my credit report plus trying to figure out why would allow creditors to do that many soft inquiries on my report knowing it was a freeze on it.

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 2025-07-01 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: 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 : 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 XXXXXX/XX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I signed up for a free trial with Experian to view my credit score and canceled it before the trial ended, using a virtual card. After the trial expired, I was locked out of my account and prompted to update my payment method to regain accesseven though I only want the free credit monitoring and credit score, which Experian publicly advertises as free.

I am being denied access to my own credit score and report unless I re-enter a payment method, effectively paywalling what should be a free service. There is no clear option to downgrade or delete the account to start fresh, and I can not access my information. 

This is deceptive and restricts fair access to federally regulated credit information.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX FIN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 2025-07-01 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: CT

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On my credit report it shows that I applied for credit or a credit card inquiry which is incorrect I never applied for this the company agrees that I never applied for this but refuses to give me a letter and I need it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PR

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and harmful reporting of my federal student loans, previously serviced by FedLoan Servicing and now transferred to EdFinancial Services.

Since this transition, my credit report shows multiple entries for the same loans, along with increased balances, duplicate tradelines, and inconsistent reporting of deferment/forbearance periods, all of which are in direct violation of federal law, including : 15 U.S.C. 1681s-2 ( a ) : Furnishers must provide accurate and complete information.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain procedures to assure maximum possible accuracy.

15 U.S.C. 1681i : Upon notice of a dispute, CRAs must investigate and delete or correct inaccurate data.

I specifically dispute the following issues : 1. Duplicate Loan Reporting : My student loans are being reported multiple times as if they are separate loans when in fact they are a continuation of the original FedLoan account ( s ). This is deceptive and inflates my open debt profile.

2. Inflated Balances After Transfer : The balances for several loans increased after the servicing transfer. I request a full validation showing how and why these balances changed, including interest capitalization or errors.

3. Improper Reporting During Deferment : Some accounts reflect payments due or account activity while the loans were in deferment or forbearance, which is factually and legally inaccurate.

I demand that you : Delete all duplicate loan entries created by the servicing transition ; Correct any inflated balances that do not reflect true loan terms ; Update all accounts to reflect accurate deferment or forbearance status during all applicable months ; Provide complete verification including : Original Master Promissory Note ( s ) Full transfer documentation from FedLoan to EdFinancial Payment histories before and after the transition A breakdown of interest, fees, and capitalized amounts If you can not verify these details within the 30-day timeframe mandated by the FCRA, you are required to delete the disputed tradelines entirely.

Failure to act will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Student Aid Ombudsman, Federal Trade Commission, and any other necessary regulatory body.

Company response to consumer: Closed with explanation