vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: EdFinancial Services
State: NY

Complaint narrative:
My student loan through edfinacial reported a late payment of XXXX  days to my credit report dropping my score XXXX points. I applied for deferments for economic hardship due to having my daughter and going on nys family leave which is only XXXX percent of my normal pay. I do believe this should be considered as economic hardship and be deferred. I also belive the way covid effected student loans is unprecedented and that as they changed things to accounts without our knowledge or consent how can we be reliable for a payment I had no idea was owed as did thousands of others. That isnt fair credit reporting to me and you would think a miscommunication due to a pandemic would be forgiven easier. My payments have been on time sense I was made aware of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
I have written numerous letters to the company to update the credit reporting on this loan account. the account has been paid in full for months. yet the company is still reporting a balance to all the credit agencies. Company name is 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 non-monetary relief
Consumer complaint received 2025-07-06 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I recieved mail from my old address in XXXXXXXX XXXX XXXX XXXX  XXXX as it was forwarded to my new address about a court hearing that was filed against me by credit acceptance attorneys but when I responded as the court designed a time to respond I let them know I'm unaware of debt and the company wasn't practicing fairly. That was back in XXXX  they haven't reached out to rectify or remove this debt off my report.

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 2025-07-06 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: GA

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. 

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 XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 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 ins
tructions 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2025 BANK OF AMERICA ( Acct XXXX ) RE : Debt Validation Request Account Number : XXXX  Amount Reported : {$1500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable. Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company m
ay no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitut
es a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> AMERICAN EXPRESS ( Acct XXXX ) RE : Debt Validation Request Account Number XXXX XXXX  Amount Reported : {$1900.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust
that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper v
alidation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute regarding inaccurate information on my credit report. 

Dear Equifax, and Experian On XX/XX/year>, I disputed XXXX XXXX XXXX  collection account that appeared on my credit report of Equifax and Experian. In 2 days, this collection account came back verified. I would like to know what investigation was done in two days and what information was requested from the company that verify this information? I am Writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian and Equifax for failure to properly investigations consumer disputes, citing sham Investigations and other unlawful practices. These practices, as outlined by the CFPB, Includes : 1.Conducting inadequate investigations that fail to address consumer disputes properly. 2. Reinserting previously disputed and inaccurate information without explanation. 3. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumers protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be mishandled in a similar manner. Please review the inaccurate information being reported : 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX USC XXXX. 



List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX SERVICE - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXX SERVICE - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXXXXXX AUTO FIN - XXXX XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-07-06 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: TX

Complaint narrative:
Experian : XXXX XXXX XXXX Bank XXXX - Account # XXXX ) Failed to remove inaccurate charge-off account despite clear FCRA XXXX violation and multiple discrepancies in reporting. 

Equifax : XXXX XXXX XXXX Bank XXXX - Account # XXXX ) Did not perform reasonable reinvestigation for disputed charge-off with utilization inaccuracies and inconsistent reporting. 

TransUnion : XXXX XXXX XXXX Bank XXXX - Account # XXXX ) Continued to report inaccurate XXXX  XXXX charge-off despite 30-day dispute timeline under FCRA XXXX and XXXX XXXX b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: LA

Complaint narrative:
CFPB HAS BEEN GIVING FALSE INFORMATION ON REPORTS. I HAVE PROOF, WHICH HAS ALREADY BEEN REPORTED TO FTC, ATTORNEY GENERAL 'S OFFICE FOR THIS MISREPRESENTATION AND MISBEHAVIOR.!!! 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 2025-07-06 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 calmly informing the bureau to look into the following accounts again like they did in the past and get them removed because this will be the last time I will be disputing the following accounts before further actions is taken XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am calmly informing the bureau to look into the following accounts again like they did in the past and get them removed because this will be the last time I will be disputing the following accounts before further actions is taken XXXX  XXXX XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) XXXX of XXXX. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX  days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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: FL

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 ( XX/XX/XXXX), particularly XXXX U.S.C. XXXX ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax for reporting a Chapter XXXX bankruptcy that can not be legally verified under the Fair Credit Reporting Act ( XXXX  ). Equifax previously verified the bankruptcy record by relying on XXXX. However, I have obtained a letter from the XXXX Bankruptcy XXXX in XXXX, NJ, dated XX/XX/year>, which states clearly : " The XXXX Bankruptcy XXXX does not report or verify information with credit bureaus ... Credit bureaus do not contact the court to verify bankruptcy filings. '' This confirms that XXXX verification process is fundamentally flawed, as it failed to contact the actual source of the public record. This violates the following FCRA provisions : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Failure to conduct a reasonable reinvestigation XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Failure to delete disputed information that can not be verified Additionally, TransUnion and Experian have already removed this bankruptcy from my credit report after similar disputes, which supports that this item is unverifiable and improperly reported. 

I am attaching the letter from the bankruptcy court as supporting evidence. I expect prompt corrective action and investigation by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
These accounts and inquires were found on my credit report. Ive included account names dates they were opened and the amount from the report. XXXX Bank XXXX XXXX {$1000.00} XXXX financial XXXX 2025 {$6500.00} XXXX XXXX XX/XX/year> {$2500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX consumer XXXX XXXX XXXX XXXX svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card 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