vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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:
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 List of Unauthorized Inquiries : 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 2025-05-31 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
Subject : Re : Case #XX/XX/2505 Inaccurate Delinquency Reporting & Request for Documentation To Whom It May Concern, I am writing in direct response to your recent message regarding case # XXXX. I want to state clearly and firmly that your response is unacceptable and fails to address the core issues Ive raised.

You claim that a 60-day delinquency notice was mailed to me on XX/XX/year> and that phone contact was attempted during the period of delinquency. However, I have not received any written correspondence or phone call related to this matter at my primary address or current phone number on file. I demand full documentation of : The mailing address you claim this notice was sent to ; Proof of mailing, including a copy of the 60-day delinquency notice allegedly sent on XX/XX/year> ; Call logs and phone numbers used in any attempt to contact me ; Confirmation that you had the correct and updated contact information on file at the time these communications were allegedly made. 

It is entirely unacceptable that an account be reported as delinquent without verified and adequate communication to the borrower. I have made every reasonable effort to stay informed and compliant, but your failure to ensure proper delivery of critical notices and lack of verification procedures suggests a systemic issue in your communication practices. 

Furthermore, citing Fair Credit Reporting Act ( FCRA ) obligations while refusing to acknowledge your own communication breakdown is not a justification for inaccurate or misleading reporting. You are required to report true and complete informationincluding whether the borrower had actual notice of payment requirements and delinquency risks. 

Your refusal to consider a goodwill adjustment or acknowledge any possibility of errordespite evidence of a failure to notify me properlyreflects a troubling disregard for borrower rights and transparency. 

I am again requesting : Immediate removal or correction of the delinquency reporting ; Full documentation of your communication attempts as listed above ; Escalation of this matter for supervisory review ; Contact from a member of your executive or regulatory response team.

If this matter is not resolved promptly and fairly, I will be forced to escalate this dispute through the U.S. Department of Educations Ombudsman Group, my congressional representatives, and other legal or consumer advocacy channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Issue : Barclays Bank Delaware improperly reported and handled my account ( ending XXXX ) during the COVID-19 emergency period and subsequent settlement. In early XXXX XXXX XXXXxplicitly communicated XXXXOVID-19 related financial hardship to Barclays via phone, requesting hardship assistance and accommodations. 

Despite this notification and CARES Act protections, Barclays unjustly reported further delinquencies and charged off the account in XX/XX/year>. Subsequently, I verbally negotiated and timely paid an agreed-upon settlement amount, yet Barclays failed entirely to provide written documentation of the original settlement offer, terms, or receipt of my payment. After a prolonged delay and repeated requests ( nearly one year ), Barclays only provided partial documentation that the account was satisfied but never the actual settlement offer or agreement terms.

Violation : Barclays violated CARES Act 4021 ( FCRA 623 ( a ) ( 1 ) ( F ) ) by negatively reporting the account after my communicated hardship.

Barclays violated CFPA 1031, 1036 [ 12 U.S.C. 5531, 5536 ] through unfair and deceptive practices by failing to timely deliver written settlement documentation, receipts, and original settlement terms. 

Resolution Requested : Require Barclays to correct my credit report to reflect the settled account status accurately with a {$0.00} balance effective from the date of payment.

Require Barclays to provide complete written documentation detailing the original settlement offer, settlement agreement, and payment receipt.

Investigate and address Barclays violations of the CARES Act and CFPA provisions.

Thank you for your prompt attention to this important matter.

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 2025-05-31 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: WI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$18000.00} XXXX {$1400.00} 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 2025-05-31 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 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I, unfortunately, did not write the dates in which I called. I called a minimum of 4 times to request an update on the status of the recertification of my case, to no avail. I submitted my recertification in XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 am writing to request a formal reinvestigation and correction of inaccurate late payment entries associated with my XXXX XXXX XXXX credit card account listed on my credit report. The reporting of three late payments is factually incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Background of the Dispute : According to my credit report, this account was opened in XX/XX/XXXX and remains open and current. However, it inaccurately reflects late payments that are not consistent with my actual payment history. In fact, my records indicate that all payments on this account were made on time, including the most recent one on XX/XX/XXXX. Despite that, derogatory 30-day delinquencies are reflected under the XXXX and TransUnion payment history. 

I dispute these inaccuracies and request that this account be corrected to reflect a Paid As Agreed Never Late ( PAANL ) status.

Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation upon receiving notice of a dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are obligated to provide a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and phone number of any furnisher contacted.

Additionally : Under 15 U.S.C. 1666 ( b ) and 1637 ( b ) of the Truth in Lending Act ( TILA ), I request that you disclose the procedures followed to ensure billing accuracy, including periodic statement delivery at least 21 days before due dates.

Any information included in the report must be complete and accurate as per 15 U.S.C. 1681e ( b ).

Requested Action : Immediately conduct a full reinvestigation of this account.

Provide me with a written description of the procedures used in this investigation, including who was contacted and what information was verified.

If no evidence exists to support the delinquency, the account must be updated to reflect : Paid As Agreed Never Late.

Remove any negative indicators associated with this account that are currently damaging my creditworthiness.

Please consider this letter a formal dispute under both the FCRA and TILA, and acknowledge this communication promptly. I expect a response and resolution within 30 calendar days, as stipulated by federal law.

Failure to comply will leave me no choice but to escalate this matter to the Federal Trade Commission ( FTC ), and/or pursue other legal remedies as provided under 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 non-monetary relief
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-31 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I contacted XXXX XXXX and XXXX  for the past two years once I found out my about the XXXX  data breach and it started with the XXXX data breach where my information was compermise name social and email address i wouldn't have known that if I didn't check my credit i am incompetent and my wife is my caregiver and fiduciary so I don't handle money or anything like that i am 100 percent XXXX a total of 9 new accounts showed up on my credit reports that I need remove two different XXXX XXXXXXXXXXXX credit cards XXXX credit card XXXX credit card a XXXX XXXX XXXX XXXX credit card a XXXXXXXX XXXX XXXX credit card a XXXX XXXX loan account and a XXXX XXXX card i have never lived at some of the address they have on file such as XXXX XXXX XXXX that's alabama address I also never lived at a XXXX XXXX XXXXXXXX XXXX they need to catch who is doing this to me and attach the accounts to there name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting inaccurate and incomplete late payment information on my credit report. I reviewed my report and found that the creditor failed to report my payment history correctly, in violation of 15 U.S.C. 1666 ( b ) of the Truth in Lending Act, which defines what constitutes a billing error. 

Account in Dispute Creditor : XXXX XXXX XXXX Account Number ( Last Digits ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Dispute : Late payment inaccurately reported Status : Open Violation Summary Under 15 U.S.C. 1666 ( b ), the following billing errors apply to this case : Section ( 4 ) : The creditor failed to accurately reflect a payment made or a credit issued on a statement.

Section ( 5 ) : The creditor made a computation or accounting error in reporting. 

Additionally, no billing statement was provided 21 days prior to the due date, as required by federal law. This omission invalidates any late payment reporting during that period. 

I do not recall being late on this account. I am requesting documentary evidence that supports the reported late payment ( s ), such as : Billing statements sent 21 days before the due date, Proof of late receipt of payment, Any signed acknowledgment of delinquency, Internal accounting records showing an actual delay. 

If the creditor can not provide such evidence, I am requesting that the payment history be updated to reflect Paid on Time for the disputed period. 

Requested Resolution Immediate reinvestigation and correction of the payment history. 

Full deletion or correction of the inaccurate late payment entry. 

Production of documentary evidence supporting the late payment reporting, or confirmation that it has been removed. 

A written response outlining the actions taken as required by law. 

Legal Notice and Next Steps I am also submitting this dispute to the following agencies for review and oversight : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  State Attorney Generals Office The failure of XXXX XXXX XXXX to meet its legal obligation to report accurate information and provide adequate notice is unacceptable and has caused me undue harm. 

Sincerely, 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 2025-05-31 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: NM

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX has violated my 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 instructions.

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 2025-05-31 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: NM

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX has violated my 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent accounts from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
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

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am disputing rental-related public record information that appears inaccurately on my consumer file. Specifically, dispossessory ( eviction ) cases that were dismissed in court are still being reported on tenant screening reports and are negatively impacting my rental applications. 

The following cases were dismissed and should not be included in any consumer reports : Case # XXXX Dismissed on XX/XX/XXXX Case # XXXX Dismissed on XX/XX/XXXX These cases were not adjudicated against me and should not be used to assess my tenant risk. I have attached copies of the official court documents confirming the dismissals. 

I am requesting that these records be permanently removed or suppressed from any tenant screening reports in compliance with the Fair Credit Reporting Act ( FCRA ) and Georgia state law. I have contacted the screening agencies ( including XXXX, XXXX, LexisNexis, and XXXX  ) but have not received proper resolution. 

Please escalate this matter immediately to ensure these dismissed filings are no longer reported and are removed from all databases that may impact rental eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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