vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: LA

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 XXXX XXXX ] Account Number : [ XXXX ] 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 2025-07-18 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-18 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:
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 2025-07-18 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 am writing to formally dispute and demand the immediate removal of unauthorized and fraudulent inquiries and accounts that appear on my credit report. These inquiries were made without my knowledge, consent, or legal authorization and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b Permissible purposes for obtaining a consumer report 15 U.S.C. 1681s-2 ( FCRA Section 623 ) Duties of furnishers to provide accurate information 15 U.S.C. 1681c-1 Blocking of information due to identity theft 15 U.S.C. 1681c-2 Procedure for blocking fraudulent data from consumer reports As a consumer, I have not authorized the listed inquiries, and they were not initiated by me. Under FCRA 1681b, a consumer report may only be accessed with a permissible

purpose and my express authorization. Since these inquiries were neither authorized nor legitimate, they constitute a violation of my consumer rights. Furthermore, I assert my rights under FCRA 1681c-1 and 1681c-2 to have this information blocked as a result of identity theft or fraud. I am including documentation to support my claim, including a copy of my ID, proof of address, and a highlighted copy of my credit report showing the fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized and fraudulent inquiries and accounts that appear on my credit report. These inquiries were made without my knowledge, consent, or legal authorization and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b Permissible purposes for obtaining a consumer report 15 U.S.C. 1681s-2 ( FCRA Section 623 ) Duties of furnishers to provide accurate information 15 U.S.C. 1681c-1 Blocking of information due to identity theft 15 U.S.C. 1681c-2 Procedure for blocking fraudulent data from consumer reports As a consumer, I have not authorized the listed inquiries, and they were not initiated by me. Under FCRA 1681b, a consumer report may only be accessed with a permissible

purpose and my express authorization. Since these inquiries were neither authorized nor legitimate, they constitute a violation of my consumer rights. Furthermore, I assert my rights under FCRA 1681c-1 and 1681c-2 to have this information blocked as a result of identity theft or fraud. I am including documentation to support my claim, including a copy of my ID, proof of address, and a highlighted copy of my credit report showing the fraudulent inquiries.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a couple of issues with Transunion. They report inaccurate information on my credit report which in return makes my credit score low. XXXX XXXX unsecured loan was paid off the balance is XXXX but they keep reporting it like Im not making payments. Also they added a bankruptcy that was XXXX years old from XXXX XXXX  Which I told them I never went to court the case was dismissed so why is it even on there and I never made a payment or anything concerning the dismissal.

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 2025-07-18 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: AL

Complaint narrative:
I have a couple of issues with Transunion. They report inaccurate information on my credit report which in return makes my credit score low. XXXX XXXX unsecured loan was paid off the balance is XXXX but they keep reporting it like Im not making payments. Also they added a bankruptcy that was XXXX years old from XXXX XXXX  Which I told them I never went to court the case was dismissed so why is it even on there and I never made a payment or anything concerning the dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I am disputing a debt that National Credit Adjusters is attempting to collect. I have submitted written requests asking for full debt validation, including the name of the original creditor, the current balance, and proof that National Credit Adjusters is legally authorized to collect debts in the state of Mississippi. 

To date, they have not provided sufficient validation or documentation of their authority to collect this debt. I have checked the Mississippi Secretary of States business registry and found no evidence that National Credit Adjusters is registered or licensed to operate or collect debts in the state. 
Despite this, they continue to pursue collection activity, which may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that all communication and collection efforts immediately cease until they can provide proper validation and legal authorization to operate in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I had XXXX at XXXX XXXX XXXX on XXXX. I was billed for the procedure in the amount of {$92000.00}. My insurance, XXXX XXXX paid most of the cost and I paid my share of the bill on time. I later learned that my insurance denied payment for {$270.00}. I contacted Colorado XXXX, XXXX XXXX XXXX 's office and was assisted by XXXX XXXX. XXXX learned from XXXX XXXX 's billing office that that amount was improperly coded and the insurance denied payment. The amout showed to be billed XXXX XXXX XXXX XXXX. This was found to be in error as well. It was submitted by the Anesthesiologist. XXXX has not been able to get XXXX XXXX 's billing department to correct the error after months of trying. 
On XXXX I received an email that this amount was submitted to collections through XXXX XXXX in XXXXXXXX XXXX. I contacted XXXX and told her this was now in collections and she has not been successful in get any help from XXXX XXXX 's XXXX Billing department, who submitted the amount to collections, knowing there was a billing error. This amount {$270.00} remains in collections.

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 2025-07-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a duplicate XXXX payment from my XXXX XXXX XXXX account I cancelled the XXXX  account transaction got a guarantee was cancelled but it was still processed Wells Fargo XXXX to dispute the {$500.00} transaction XX/XX/year>

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'To Whom It May Concern,\n\n\n\nMy name is XXXX XXXX, and I am writing to formally request a review and resolution of my Capital One accounts, which have recently fallen behind due to an unexpected and temporary period of personal hardship.\n\n\n\nIve been a loyal Capital One customer for many years. Until the past six months, I had never defaulted or missed payments. Unfortunately, my family experienced a medical emergency that drastically impacted our childcare and income situation. My mother-in-law, who was our primary childcare provider, suffered a stroke and could no longer assist us. As a result, my husband had to reduce his work hours so I could continue working full-time in a higher-paying role to support our household.\n\n\n\nThis sudden change in our support system created financial strain that we are now actively working to recover from.\n\n\n\nWhen I contacted your customer service department to request a realistic and respectful repayment plan, I was only offered two options:\n\nPay the full past-due balance over 3 months, which is not financially feasible\n\nor\n\nEnter a 60-month repayment plan at 7.7% interest that requires permanently closing the account\n\n\n\nNeither of these options reflect a true hardship accommodation. I also asked to escalate the matter to a hardship or resolution team and was denied.\n\n\n\nFor reference, I spoke with:\n\nXXXX XXXX XXXX XXXX XXXX XXXX(Both calls were on recorded lines and can be reviewed.)\n\n\n\nI am reaching out to the Executive Office because I still want to resolve this directly with Capital Onenot through collections or third-party channels. I respectfully request:\n\nA realistic, income-based hardship plan\n\nFlexibility in repayment that avoids permanent account closure\n\nThe opportunity to re-age the account or pause interest while I demonstrate good faith payments\n\n\n\nI am willing to begin payments immediately under a fair and sustainable plan. I also want to acknowledge that Capital One Auto Finance was able to offer a reasonable resolution during this same hardship, and Im hoping to receive the same level of partnership on my credit card accounts.\n\n\n\nHere are the accounts in question:\XXXX XXXX XXXX XXXX   ending in XXXXQuicksilver  ending in XXXXCapital One Auto  [successfully resolved]\n\n\n\nThank you for your time and consideration. I look forward to finding a workable path forward that reflects both my history with Capital One and my current efforts to regain financial stability.\n\n\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: GA

Complaint narrative:
Around XX/XX/XXXX all of my student loans were PAID in FULL and they showed on my Reports as PAID in FULL. I took screenshots of them showing PAID in FULL and removed from my reports. So the act of " XXXX '' occurred on XX/XX/XXXX and received a portal link from MOHELA. I was moving at that time, and put them in a forbearance so I could focus on the task at hand at that time. During the many transitions from XXXX to current : I was also apart of XXXX  XXXX XXXX ( My school, XXXX XXXX University ) was on the predatory loan list and I opted into the Loan Forgiveness/Removal claim before the due date and documented proof, and I can log into my student aid portal and see it there also. This loan has been on my Credit Report for long enough in an illegal status and I demand it to be removed without me having to take further action.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: RI

Complaint narrative:
XXXX XXXX XXXX  is inaccurately reporting a charged-off XXXX  card account as if it is still active and accumulating late payments and high utilization. 

The account was charged off and closed, but they continue to report new late payments every month, along with 182 % credit utilization. This is not only inaccurate, but it also violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. 

I previously submitted a dispute through the credit bureau, but XXXX XXXX failed to correct the issue. The account is closed and charged off there should be no new activity, no increasing balance, and no monthly late payments reported. 

This inaccurate reporting is damaging my credit profile and artificially suppressing my credit score. I am requesting that the credit reporting be corrected to reflect no further activity after the charge-off date, or that the tradeline be removed entirely. 

If this issue is not addressed properly, I intend to escalate to my state Attorney General and seek legal counsel for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a number of dipsutes pertaining to the fraunduant and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/year> without any connetion to the fraudulant accounts im refering to : XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
One Main Financial has ballooned my loan balance without informing me in writing. They then began reporting my account as past due, late 30 days, and an inaccurate increase amount to the credit bureaus. This information directly conflicts with the information on my account portal. I have always paid as agreed and never 30 days late. I've requested for the information to be changed to accurately reflect my payments as agreed. They harass me by calling up to ten times daily to force me to speak with them when I do not need to. In the past they have used harassing tones and threats, leaving me on hold or transferring me multiple times and not recording the information correctly. I can not pay the balance at one time and want to continue to make monthly payments until it is paid. 
OMF reported to XXXX credit burea that I am 30 days past due in XX/XX/year>, and that my increase was {$1100.00} creating a balance from {$7000.00} to {$8100.00}. That is false my account statement reflects current balance of {$6400.00} as of XX/XX/year>, and payment due not past due. I want OMF to stop reporting my account 30 days late and update the information as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
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 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