vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I had a XXXX  XXXX XXXX and XXXX YEARS of good payment history, then I was in a car accident about a XXXX  ago and replaced the car at the exact same dealership. They blocked my access to my online account because they said my bank account information is entered incorrectly and won't let me back in for XXXX XXXX XXXX XXXX  MONTHS of ontime payments. For my part, I contend that it was because they took so long to attempt to draw on the funds, in fact even after they already sent me confirmation of receiving it, that other bills drew on my running balance at the bank. That was never a problem in the past XXXX  years and now I've been trying to call and chat with the agents but they just endlessly put me back on hold, hang up on me, or end the chat. Just an update to the prior complaint... I have screenshots of asking the agent for help and them ending the chat. They're creating a situation that is unduly burdensome. When they block my online account, impose harsh penalties to my access itself, deliberately avoiding speaking with me by putting me on hold/hanging up/transferring me to unrelated departments, and ending the online chat because they don't want to service my loan effectively creates a block to my access to my own loan information. Even when I do get to speak with someone they'll own up to it being either their mistake or a technical error but refuse to lift the penalty to my loan access. I'm about ready to lawyer up if someone doesn't resolve this issue this is so unacceptable. I tried bill pay through my bank but it takes a full week and every day i'm terrified they're going to tow my car before I can get them to receive my payment and it's just so much stress I feel like I'm going to have a XXXX XXXX at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian several times and can not Get through they make it impossible to get a hold of a representative. I am trying to get ALL DISPUTE RAMARKS REMOVED AND ALL DISPUTE STATEMENTS. My SSN is XXXX I am trying to get a XXXX cash out on my mortgage and all wording need to be removed. I called and luckily got through and requested this to Be done XXXX Weeks ago and it was not done dispute remarks/ statements are all still on credit report.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XXXX To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by XXXX or more consumer credit reporting agencies ( TransUnion, Experian, XXXXXXXX XXXX XXXX XXXX XXXX  ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ).

On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX XXXX XXXX without court-verified sourcing Over XXXX unauthorized and unverifiable hard inquiries Accounts XXXX in XXXX that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law.

Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items. 

I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : 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 2025-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: MN

Complaint narrative:
During fiscal year 2024 I took an online course that was being used to complete my BA in nursing. I took this course from XXXX University, finished all course assignments and just as I completed my final exams I was accused of cheating on my assignments and tests. Absurd is the only word I can use to describe such an unproven accusation. This university has a court history of using bait and switch tactics. I demanded proof that was never given. XXXX University did not protect my rights as a professional XXXXXXXX XXXX under the Fair Debt Collection Practices Act. They have discriminated against me as a professional XXXXXXXX XXXX, using the destruction of my personal credit history to enforce a final payment never earned. I am filing a complaint with the NAACP in addition to this complaint with the Consumer Financial Protection Bureau. I recently checked my credit report and discovered that there was a collection posted by F.H. Cann and Associates, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NH XXXX ( XXXX ) XXXX. I request a complete investigation of the tactics used by XXXX University against me, and demand that this collection be taken off all pertinent credit reporting agencies immediately. The actions used by XXXX University are horrible and should be used to bring heavy fines and sanctions against them. F.H. Cann is also placed on notice that as I spoke to them today, they had no knowledge of the discrimination practices used by their client XXXX University. I will include my complaint against them in my XXXX complaint also. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berman & Rabin, P.A.
State: MD

Complaint narrative:
I received a statement for {$660.00} from XXXX. I paid the amount in full by check sent on XX/XX/year> and it was cashed by the company and cleared my bank account on XX/XX/year>. Today I received a collection letter from a debt collection company dated XX/XX/year> requesting payment of XXXX from XXXX XXXX. 

I will be communicating this information to the debt collecting company, but apparently XXXX continues to fraudulently bill and send customers to collections inappropriately. This is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
These charge-off account is inaccurate and must be removed.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am exercising my right to dispute information that is incomplete or unverifiable. The charge-off reported is either inaccurate, outdated, or the result of identity theft.

If the creditor can not provide proper validation under 15 U.S. Code 1681b and 1681s-2 ( b ), it must be deleted. Continuing to report unverifiable or fraudulent information is a violation of federal law.

I request an immediate investigation and removal of this charge-off. Please provide written confirmation of your findings and actions taken.

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 2025-07-15 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: FL

Complaint narrative:
These charge-off account is inaccurate and must be removed.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am exercising my right to dispute information that is incomplete or unverifiable. The charge-off reported is either inaccurate, outdated, or the result of identity theft.

If the creditor can not provide proper validation under 15 U.S. Code 1681b and 1681s-2 ( b ), it must be deleted. Continuing to report unverifiable or fraudulent information is a violation of federal law.

I request an immediate investigation and removal of this charge-off. Please provide written confirmation of your findings and actions taken.

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 2025-07-15 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: FL

Complaint narrative:
My account with XXXX XXXX  AND XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ALLY FINANCIAL AND USAAFSB never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NY

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 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( 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 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may 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 2025-07-14 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally document that Transunion has denied my repeated requests to validate and remove fraudulent items that have remained on my credit report for over a year. I have provided multiple pieces of supporting documentation, including official Police Reports and identity theft verification from the U.S. Navy. Despite this, Experian has failed to properly investigate or acknowledge my claims, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am now demanding that all fraudulent and unverified items be immediately removed from my credit report. Continued failure to comply will leave me no choice but to pursue further legal and regulatory action. 

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 2025-07-14 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
This charge-off account is inaccurate and must be removed. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am exercising my right to dispute information that is incomplete or unverifiable. The charge-off reported is either inaccurate, outdated, or the result of identity theft. 

If the creditor can not provide proper validation under 15 U.S. Code 1681b and 1681s-2 ( b ), it must be deleted. Continuing to report unverifiable or fraudulent information is a violation of federal law.

I request an immediate investigation and removal of this charge-off. Please provide written confirmation of your findings and actions taken

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 2025-07-15 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: FL

Complaint narrative:
This charge-off account is inaccurate and must be removed. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am exercising my right to dispute information that is incomplete or unverifiable. The charge-off reported is either inaccurate, outdated, or the result of identity theft. 

If the creditor can not provide proper validation under 15 U.S. Code 1681b and 1681s-2 ( b ), it must be deleted. Continuing to report unverifiable or fraudulent information is a violation of federal law.

I request an immediate investigation and removal of this charge-off. Please provide written confirmation of your findings and actions taken

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 2025-07-15 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: FL

Complaint narrative:
I discovered in XX/XX/XXXX that a credit card account was fraudulently opened in my name in XX/XX/XXXX. I did not open this account, authorize anyone to do so, or have knowledge of its existence until now. The account is now closed and marked as past due. This is a case of identity theft, and I am requesting that it be investigated and removed from my credit report.

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 2025-07-15 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: FL

Complaint narrative:
I discovered in XX/XX/XXXX that a credit card account was fraudulently opened in my name in XX/XX/XXXX. I did not open this account, authorize anyone to do so, or have knowledge of its existence until now. The account is now closed and marked as past due. This is a case of identity theft, and I am requesting that it be investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on 07/14/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several fraudulent accounts & hard inquiries that have been reported on my TransUnion credit file. These accounts were fraudulently opened without my authorization and are the result of identity theft. I am a verified victim of identity theft, and I demand that these accounts and inquiries be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B.

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