vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: MO

Complaint narrative:
I was having a hard time making my payments to XXXX XXXX  so I asked to be placed on a hardship. On XX/XX/XXXX, XXXX XXXX who I send my payroll direct deposit to experienced an outage and I did not have access to the funds in my account. I called XXXX XXXX  under extreme stress due to what I was experiencing simply to ask for more time to make my harship payment due to the problems with XXXX XXXX. I had a XXXX XXXX rep on the line only to confirm I did not have access to my account. Apparently, with the XXXX XXXX rep on the line, the XXXX XXXX  XXXX discussed other options for my account. I was under so much stress and duress I thought she was extending my payment I honestly did not hear her say the account was being closed, that did not register with me. ( I spoke to XXXX today XX/XX/XXXX who told me this what occured on the call ) I called back on XX/XX/XXXX after seeing a free copy of my credit report which reflected the XXXX XXXX  account as closed. I did not know the account was closed. I spoke to XXXX and told him that I could not have the account reporting as closed. I told him I was confused because all I asked for was to be put on a hardship. XXXX said if I made a payment with him over the phone for {$30.00} the account status would change to open. The account status never changed. I called back and asked for a supervisor and XXXX told me she would pull all the calls and call me back. That never happened. I called back again and another supervisor told me XXXX did not make the request and she assured me she would request all calls be pulled and call me back. Today, XX/XX/XXXX, I spoke to XXXX who told me the only call she was asked to pull was from XX/XX/XXXX. I told XXXX again about my call with XXXX and now I am being told for a third time it will be pulled and I will be called back. I was also told it does not matter what the rep told me.

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 2025-04-09 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: MO

Complaint narrative:
I was having a hard time making my payments to XXXX XXXX  so I asked to be placed on a hardship. On XX/XX/XXXX, XXXX XXXX who I send my payroll direct deposit to experienced an outage and I did not have access to the funds in my account. I called XXXX XXXX  under extreme stress due to what I was experiencing simply to ask for more time to make my harship payment due to the problems with XXXX XXXX. I had a XXXX XXXX rep on the line only to confirm I did not have access to my account. Apparently, with the XXXX XXXX rep on the line, the XXXX XXXX XXXX discussed other options for my account. I was under so much stress and duress I thought she was extending my payment I honestly did not hear her say the account was being closed, that did not register with me. ( I spoke to XXXX today XX/XX/XXXX who told me this what occured on the call ) I called back on XX/XX/XXXX after seeing a free copy of my credit report which reflected the XXXX XXXX  account as closed. I did not know the account was closed. I spoke to XXXX and told him that I could not have the account reporting as closed. I told him I was confused because all I asked for was to be put on a hardship. XXXX said if I made a payment with him over the phone for {$30.00} the account status would change to open. The account status never changed. I called back and asked for a supervisor and XXXX told me she would pull all the calls and call me back. That never happened. I called back again and another supervisor told me XXXX did not make the request and she assured me she would request all calls be pulled and call me back. Today, XX/XX/XXXX, I spoke to XXXX who told me the only call she was asked to pull was from XX/XX/XXXX. I told XXXX again about my call with XXXX and now I am being told for a third time it will be pulled and I will be called back. I was also told it does not matter what the rep told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Motor Finance # XXXX reports impossible " OKCharge OffOK '' status sequence ( XXXX XXXX violation ). Account was PAID IN FULL via insurance ( Check # XXXX, XX/XX/year> ) after total loss accident. Hyundai incorrectly coded as " Charge Off '' instead of " Paid/Closed. '' XXXX retain this error despite 3 disputes. Result : XXXX  XXXX  denial ( # XXXX ) due to false derogatory mark. Hyundai violated FCRA 623 ( a ) ( 8 ) by failing to conduct reasonable 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 explanation
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my credit report to this complaint on the following dates. XX/XX/year>XXXX  i am now requesting you investigate this account and update this payment as PAID ON TIME immediately. Thank you for your understanding and prompt action.

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 2025-04-09 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: SC

Complaint narrative:
Details of the Disputed Account : Creditor Name : XXXX XXXX Account Number : XXXX Disputed Information : Date of Activity ( all fields ) is incorrect, account not in bankruptcy I believe this information is incorrect because this account was opened in XX/XX/XXXX and closed by the consumer in XX/XX/XXXX and paid as agreed and never late. It has never been included in bankruptcy. For this reason included in bankruptcy should be removed from the status field, open field updated to : XX/XX/XXXX, closed field updated to : XX/XX/XXXX, status field updated to : closed by consumer and paid as agreed, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-09 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-09 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-04-09 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( XXXX ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among dataset that has been compromised. ( FERPA VIOLATION ).

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX  for inaccurately reporting a 30-day late payment for XX/XX/XXXX on my GAP credit card account. This derogatory mark is false, unverified, and has severely harmed my credit, including a recent denial of credit from XXXX XXXX XXXXXXXX, which specifically cited delinquent payment items from my report. 

I have formally disputed this inaccuracy multiple times with XXXX notably on XX/XX/XXXX, and again on XX/XX/XXXX, via certified mailbut they failed to respond with any documentation or investigation results, and did not remove or correct the error. These disputes invoked my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Despite my clear notice and requests, XXXX has continued to report this late payment to Equifax, causing ongoing credit damage and emotional distress. Equifax and XXXX refuses to remove the account or late payment, citing verification from XXXX, even though no such proof has ever been provided to me. 

XXXX is in violation of numerous consumer credit protection laws and at this point they are willingly and knowingly injuring me. 

FCRA 1681s-2 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of credit information FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable or inaccurate information TILA 1666 : Failure to properly notify and provide billing statement prior to alleged delinquency Breach of contractual duty to maintain accurate and fair account handling Attached are the supporting documents Supporting Documents Available : Copies of dispute letters sent to XXXX Certified mail receipts XXXX XXXX XXXXXXXX XXXX XXXX Credit report excerpts showing the inaccurate late payment XXXX XXXX XXXX showing their obligation to arbitrate and follow consumer laws I am also pursuing arbitration under the terms of my cardholder agreement and wanted the CFPB to be aware of this willful mishandling of my credit by XXXX. I am also considering filing a complaint with the FTC. I respectfully request the CFPBs assistance in ensuring XXXX complies with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief