vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XX/XX/year> DPT EDXXXX Acct # XXXX XXXX Balance {$3100.00} Subject : Formal Student Loan Dispute and Request for Documentation Under FCRA, FDCPA, and FERPA To Whom It May Concern, I am formally disputing the validity and reporting of a student loan account that appears under my name. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Family Educational Rights and Privacy Act ( FERPA ), as applicable. 

I request the following documentation to verify the legitimacy and enforceability of the alleged student loan : 1. A complete and signed copy of the Master Promissory Note ( MPN ) associated with this loan.

2. The full chain of assignment, including all transfers and sales of the account from the original lender to the current servicer or creditor, with dates and signatures.

3. Account-level documentation, including a full payment history, interest calculations, fees, and any deferments or forbearance records applied to the loan.

4. The forward flow agreement or purchase/sale agreement that governs the relationship between the originator and current servicer/owner, to determine whether you have standing to collect or report this account.

5. A copy of the authorization under FERPA allowing you to share my student information, including loan data, with any third-party debt collector or credit reporting agency. 

Until this information is provided and the debt is properly validated, I request that you : Cease all collection efforts, including phone calls and written communications. 
Cease any reporting to credit reporting agencies. 
Conduct a full investigation into the accuracy and legality of this account.

Please consider this letter a formal request for validation under 15 U.S. Code 1692g and a consumer dispute under 15 U.S. Code 1681i.

I expect a full response within 30 days of receipt of this letter. If you are unable to provide the requested documentation, I request that the account be removed from all credit reporting agencies and that any collection activity be ceased immediately. 

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 non-monetary relief
Consumer complaint received 2025-07-09 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: MA

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 2025-07-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XX/XX/year> DPT EDXXXX Acct # XXXX XXXX Balance {$3100.00} Subject : Formal Student Loan Dispute and Request for Documentation Under FCRA, FDCPA, and FERPA To Whom It May Concern, I am formally disputing the validity and reporting of a student loan account that appears under my name. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Family Educational Rights and Privacy Act ( FERPA ), as applicable. 

I request the following documentation to verify the legitimacy and enforceability of the alleged student loan : 1. A complete and signed copy of the Master Promissory Note ( MPN ) associated with this loan.

2. The full chain of assignment, including all transfers and sales of the account from the original lender to the current servicer or creditor, with dates and signatures.

3. Account-level documentation, including a full payment history, interest calculations, fees, and any deferments or forbearance records applied to the loan.

4. The forward flow agreement or purchase/sale agreement that governs the relationship between the originator and current servicer/owner, to determine whether you have standing to collect or report this account.

5. A copy of the authorization under FERPA allowing you to share my student information, including loan data, with any third-party debt collector or credit reporting agency. 

Until this information is provided and the debt is properly validated, I request that you : Cease all collection efforts, including phone calls and written communications. 
Cease any reporting to credit reporting agencies. 
Conduct a full investigation into the accuracy and legality of this account.

Please consider this letter a formal request for validation under 15 U.S. Code 1692g and a consumer dispute under 15 U.S. Code 1681i.

I expect a full response within 30 days of receipt of this letter. If you are unable to provide the requested documentation, I request that the account be removed from all credit reporting agencies and that any collection activity be ceased immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have aidvantage loans and loans XXXX were all on auto pay. I had a XXXX loan I didnt realize wasnt on auto pay and I was reported as 90 days late with absolutely no CLEAR warnings UNTIL it was too late. Upon seeing this I immediately paid it off and made it current but they reported me as 90 days late, tanking my excellent XXXX score to XXXX! Its completely unfair because I do my best to keep it this high and I keep harping on the fact they never warned me properly! Ive sent goodwill letters and credit disputes and will continue to do so because to drop XXXX over {$160.00} is absolutely greedy and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
By checking my credit report, I was able to detect a hard pull that I do not recognize and is affecting me negatively, so I would like it to be removed. 

Hard inquiry from : XXXXXXXX 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 2025-07-09 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: NJ

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion regarding inaccurate and misleading reporting of an auto loan account from XXXX XXXX XXXX 
Despite multiple disputes and valid proof, all three bureaus continue to report this account in ways that harm my credit score, including : Re-aging the tradeline after disputes to make the derogatory account appear more recent Inconsistent or misleading payment history, including " Worst Pay Status : Unknown '' Reporting $ XXXX  monthly payments while keeping the account open and active Labeling the account as " Repossession/Foreclosure '', which is inaccurate for an auto loan These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : Section 605 ( c ) : Re-aging or refreshing derogatory information after the date of first delinquency is unlawful. 
Section 607 ( b ) : Furnishers and CRAs must ensure information is accurate and not misleading. 
Section 611 : I have a right to a reasonable investigation, and this has not occurred. 
Each time I file a dispute, my credit score drops further due to how the bureaus update the account. These updates are damaging and retaliatory. No new delinquency has occurred, yet the account is being altered in a way that worsens my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 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  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 2025-07-09 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 2025-07-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: KS

Complaint narrative:
XXXX XXXX  sold all of their clients car loans to Westlake Portfolio management, which is a debt collector company. This complaint is against westlake portfolio management. XXXX XXXX never let their clients know about this transition. Westlake portfolio management seems very sketchy, they charge alot of hidden fees, they are repossesing vehicles with extreme fees, and request the fees to be paid through XXXX, they dont take debit card through phone call which is already weird. My car got repossessed XX/XX/XXXX, i called same day to ask what was the fee, they said XXXX, i told them i would get back to them same day, i call again in a couple pf hours and now they state its XXXX, i said why did it increase? I told them calls are recorded and i was told a different amount. They didnt care and said whoever told me that initial amount was wrong. They wanted me to pay through XXXX. I immediately went and got a XXXX  same day and provided them reference code. Then they told me to wait 24-72 hours to get my car back!! I couldnt understand why it takes them that long to release an auto from the repo company?? Also they didnt want to provide towing company. And in the payment they were already charging daily costs of the car being in the tow. They added me about 3- 4 days .. customer agents are very rude on the phone .. /thats just very suspicious. All their XXXX reviews are customers screaming for help! We didnt ask for this! Some are claiming they have not send their titles. Its very scary to know that this suspicious company is holding on to our titles and charging weird fees. The call centers seem to be from XXXX. And some customers have reported in their reviews recently that they are opening loans with their social security as well! It does not feel safe for them to have our personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/year>, I submitted my contact information for a volunteer opportunity through the XXXX XXXX of XXXX. Shortly after, I was contacted by someone identifying himself as XXXX XXXX, who claimed to be representing the college and coordinating charity work. 

He instructed me to assist with transferring funds to orphans by depositing two checks via mobile photo into my personal bank account. I followed the instructions in good faith, believing it was a legitimate volunteering opportunity. 

The first deposit was for {$600.00}, which cleared successfully. 

The second deposit was for {$800.00}, but soon after, my account was flagged, and I found my debit account at {$600.00} ( negative balance ). 

Without any prior notice or a chance to explain, the Bank of America closed my account, froze access to my funds, and likely reported me to XXXXXXXX or XXXX XXXX XXXX. Since then, I have been unable to open a bank account at any major financial institution. 

Additionally, because my account was closed and funds were blocked, I missed a credit payment, which may have negatively affected my credit history.

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 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
At the time of application and purchase, I was led to believe this card included a XXXX 0 % promotional interest period. This was either not properly disclosed or significantly misrepresented. No agent or website clearly stated that the promotion was deferred interest, meaning that I had to pay off the full promotional amount within the term to avoid being charged retroactive interest. 

After that large purchase, I made numerous on-time payments and significantly paid down my balance, including two major payments of {$2000.00} and {$1800.00}, and monthly payments of {$800.00}. I was never given any warning or reminder that a deferred interest clause applied, and no itemized breakdown was available to help me understand what amount needed to be paid off specifically.

When I contacted customer service, I was transferred several times and ultimately told that the charge could not be waived and that it was my fault for not reading the XX/XX/year>XXXX  statement. I disagree with this position, as I was not clearly informed of the financing terms at the time of signup or purchase.

Company response to consumer: Closed with explanation