vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
What happened XXXX. Adverse information has been furnished to the consumer reporting agencies without proper notice or updated terms, and without accurately reflecting federal protections/program statuses on my account. 
XXXX. The reporting appears inconsistent with XXXX XXXX XXXX  policies and federal law governing furnishers duties, including the obligation to report accurate, complete information and to conduct reasonable investigations of disputes. 

Why this violates federal requirements - FCRA ( XXXX XXXX. XXXX ) requires furnishers ( including XXXX/servicers ) to provide accurate information, promptly correct or delete information thats inaccurate, incomplete, or unverifiable, and conduct a reasonable investigation upon notice of a dispute from a CRA. Failure triggers duties to modify, delete, or block the reporting. 
- XXXX XXXX  & related XXXX directives : XXXX has instructed that eligible defaulted loans be reported as current and that default not be reflected during the XXXX  XXXX  window ; XXXX also coordinated deletion of historical default from credit files. 
- IDR payment count adjustment : The XXXX one-time account adjustment credits time toward forgiveness and can change a loans status/eligibility. Any reporting that disregards the adjustment or its timelines can be misleading or inaccurate. 
- Widespread servicing/reporting errors have been documented ( e.g., XXXX duplication errors impacting nearly XXXX XXXX credit reports ). This underscores your duty to verify and correct my data. 

My specific disputes - The following tradelines are inaccurate : ExperianXXXX XXXX XXXX XXXX - Inaccuracies include : reported default/collections despite XXXX XXXX eligibility ; duplicate tradelines ; wrong payment status ; improper delinquency dates ; failure to update after payment plan/IDR adjustment. 
- I did not receive proper advance notice of any adverse reporting or revised terms/conditions ; nor did the reporting reflect ongoing federal protections/program reviews. 

.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
What happened XXXX. Adverse information has been furnished to the consumer reporting agencies without proper notice or updated terms, and without accurately reflecting federal protections/program statuses on my account. 
XXXX. The reporting appears inconsistent with XXXX XXXX XXXX policies and federal law governing furnishers duties, including the obligation to report accurate, complete information and to conduct reasonable investigations of disputes. 

Why this violates federal requirements - FCRA ( XXXX XXXX. XXXX ) requires furnishers ( including XXXX/servicers ) to provide accurate information, promptly correct or delete information thats inaccurate, incomplete, or unverifiable, and conduct a reasonable investigation upon notice of a dispute from a CRA. Failure triggers duties to modify, delete, or block the reporting. 
- XXXX XXXX & related XXXX directives : XXXX has instructed that eligible defaulted loans be reported as current and that default not be reflected during the XXXX  XXXX  window ; XXXX also coordinated deletion of historical default from credit files. 
- IDR payment count adjustment : The XXXX one-time account adjustment credits time toward forgiveness and can change a loans status/eligibility. Any reporting that disregards the adjustment or its timelines can be misleading or inaccurate. 
- Widespread servicing/reporting errors have been documented ( e.g., XXXX duplication errors impacting nearly XXXX XXXX credit reports ). This underscores your duty to verify and correct my data. 

My specific disputes - The following tradelines are inaccurate : XXXXTransUnion, XXXX XXXX XXXX - Inaccuracies include : reported default/collections despite XXXX XXXX eligibility ; duplicate tradelines ; wrong payment status ; improper delinquency dates ; failure to update after payment plan/IDR adjustment. 
- I did not receive proper advance notice of any adverse reporting or revised terms/conditions ; nor did the reporting reflect ongoing federal protections/program reviews. 

.

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 2025-08-11 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: AES/PHEAA
State: IL

Complaint narrative:
AES XXXX American Education Services ), on XX/XX/year>, is reporting incorrect information regarding account balance and amount due as well as reporting payments as late that are actually on time. Payments are due on the XXXX of each month, and all payments were made within that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting Account Ending in XXXX To : XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX Department XXXX XXXX formally disputing the reporting of a XXXX late payment for XX/XX/XXXX on my account ending in XXXX, opened XX/XX/XXXX. 

This reporting is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 1681s-2 ( b ) ) and California Civil Code 1785.25 ( a ), you are prohibited from furnishing information you know or should know is incomplete or inaccurate, and you are required to conduct a reasonable investigation when notified of a dispute. 

Provide all evidence you claim supports the XX/XX/XXXX delinquency, including : Full payment history for the account Copies of billing statements for the alleged delinquent period Any notices sent to me regarding the late payment If you can not fully substantiate this entry, you must immediately delete the late payment from all credit bureau records and confirm in writing that the correction has been made.

Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the California Attorney General, and pursuit of all remedies available under FCRA and California Civil Code 1785.31 for willful noncompliance. 

Best regards, 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 2025-08-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-08-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-08-11 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX NOTICE : ( Violation Of Cease ) Request of Documentation -- - XXXX XXXX XXXX XX/XX/year> To : Goldman Sachs Bank USA Account XXXXXXXX XXXX XXXXXXXX RE : CFPB Complaint Response Failure to Address Identity Theft & Cease and Desist -- - To Whom It XXXX Concern, This letter is in response to your XX/XX/year>, statement to the Consumer Financial Protection Bureau regarding the alleged XXXX XXXX XXXX account. Your reply contains multiple inaccuracies, omissions, and violations of federal law, which I am addressing below. 

XXXX. Failure to Block Identity Theft-Related Information On XXXX XXXX, I submitted an Identity Theft Report and supporting documentation, fulfilling all requirements under XXXXXXXX XXXX XXXXXXXX ( a ) ( FCRA XXXX ). By law, you and any XXXX XXXX XXXX are required to block reporting of this fraudulent information within XXXX business days. You have continued to furnish this information in violation of FCRA XXXX and XXXX ( a ) ( XXXX ) ( A ). 

XXXX. Ignoring Cease and Desist Continued XXXX XXXX [ date sent ], you were served a formal cease and desist letter under XXXX XXXX. XXXX ( c ). Your response continues to demand payment and justify reporting, constituting prohibited continued collection activity. 

XXXX. Inadequate Validation of Debt Your XX/XX/year>, validation package does not meet the standard required by XXXX XXXX. XXXX ( b ) : No contract with my original wet signature. 

No proof that I authorized or benefited from the alleged account. 

Only internal account statements, which are insufficient in cases of identity theft. 


XXXX. Furnishing Inaccurate Information By continuing to report the disputed account after receiving proof of identity theft, you are in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

XXXX. Failure to Provide XXXX Procedures XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), you are required to provide a description of the procedure used to determine the accuracy and completeness of the information. Your response contains no such procedural description only a conclusion that you found no error. 


-- - Demand for XXXX XXXX : XXXX. Cease all collection efforts and communications except those permitted under the FDCPA. 


XXXX. Permanently delete this account from all consumer reporting agencies under FCRA XXXX. 


XXXX. Provide written confirmation of deletion within XXXX  days. 


XXXX. Provide a full procedural investigation report as required by XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 



Failure to comply will result in my pursuing all available remedies under the FCRA, FDCPA, and applicable state consumer protection laws, including filing suit for statutory damages, actual damages, and attorneys fees. 


-- - Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-12 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: MA

Complaint narrative:
According with the Fair credit report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Violeted my rights Notice of Violation 15 V S C 1681 Section A States I have the right to privacy.

15 V S C 1681 Section 604, section 2 it also states a consumer reporting agency can not furnish a account without my witting interaction.

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 2025-08-12 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: MA

Complaint narrative:
According with the Fair credit report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Violeted my rights Notice of Violation 15 V S C 1681 Section A States I have the right to privacy.

15 V S C 1681 Section 604, section 2 it also states a consumer reporting agency can not furnish a account without my witting interaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I had multiple Citibank American Airlines AAdvantage credit cards and was offered XXXX AAdvantage miles and a permanent boost to my earning rate on XXXX of my credit cards for opening a savings account with a minimum of {$10000.00} account opening. I opened the account without issue, and after getting my first monthly statement, I was happy enough with the interest rate to add {$5000.00} more to the account. About a week after that on XX/XX/XXXX, I logged in to my Citi online account and saw in big red letters " Account Blocked '' on my savings account. The credit card accounts were unaffected. There was no warning, no information given in my account, nor any reason to block my account. I did a quick google search and saw that this was, unfortunately, not uncommon on Citi 's part. 

But honestly, it shouldn't be. There's nothing in my history or background to warrant blocking my account and preventing me from accessing my hard-earned money. I don't know if this is the result of poorly written code or the action of an underpaid, untrained analyst in the XXXX, but it's flat out wrong. I entrusted Citibank with my money and assumed, wrongly it turns out, that they are a reputable company worthy of that trust.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax, Experian, and TransUnion for the continued reporting of XXXX XXXX  records that are not mine. I have disputed these items multiple times with each bureau, and they have responded that the information was validated. 

However, these XXXX  do not belong to me and I have never filed for XXXX. I did not authorize anyone to use my personal information for such filings. The credit bureaus have failed to provide actual proof that these records are mine and have ignored my repeated disputes. 

I believe the bureaus are sourcing this inaccurate information from XXXX or another third-party public records vendor. As you are aware, XXXX  courts do not report directly to the credit bureaus, which means the bureaus can not validate these items with the courts directly. Without proper verification from the original source, these entries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy of the information in my file. 

I am requesting that the CFPB require Equifax, Experian, and TransUnion to : 1. Delete both XXXX  records from my credit reports immediately.

2. Provide documentation showing exactly how they verified the information, including the name and contact information of the source.

3. Cease and desist from re-reporting these XXXX  unless they can provide certified court records directly linking me to these cases. 

The presence of these false XXXX  is causing me severe financial harm, including loan denials, higher interest rates, and damage to my personal and professional reputation.

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