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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my XXXX XXXX, affecting my access to opportunities, and putting unnecessary strain on my XXXX  and XXXX  health. Some of these alleged late payments were in fact made on time, while others XXXX stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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: PA

Complaint narrative:
Im asking for your assistance in taking off unauthorized accounts from my credit report. I didnt open them and was never advised they existed. Under USC 1681g, please remove them in 15 days. Relevant documents are attached.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed my Best Buy credit card without sufficient notification and the card still shows that I have available credit. They stated that I should have received a letter in the mail which I did not and their only notification was through their document center which routinely purged on a short window.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute letter on behalf of myself, XXXX XXXX XXXX regarding this bankruptcy Ive been disputing to have removed from my TransUnion credit report for the past 8 months now. 
I just spoke to a representative by the name of XXXX, a supervisor who works in the XXXX XXXX department. XXXX confirmed the bankruptcy has been deleted and its not reporting on my TransUnion credit report anymore. She told me to give it about XXXX to XXXX hours before I go and pull another credit report and she said it will reflect on my new credit report at that time. She also said she would mail me out the report that she is looking at right now so I can have it as a reference. XXXX had even taken it a step further and provided me a case number that I can reference to prove that the bankruptcy Ive been disputing for the past 8 months has in fact been removed. The case number that was given to me was XXXX. I spoke to XXXX, the supervisor in the special handling department of TransUnion at XXXXXXXX XXXX XXXXXXXX XXXX time, XX/XX/2025. 
Because I have heard this sooooo many times in the past, I am documenting once again, my conversation with another supervisor in the special handling department. 
I thank you CFPB soooooooo very much for your platform, which holds credit agencies such as TransUnion and their interesting practices very accountable for their actions against consumers credit.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Directive for Data Accuracy and Confidentiality : I direct all credit reporting agencies and their affiliates to ensure that my credit report reflects only accurate and verified information as provided in this complaint. Any disputed or unverified data must be immediately deleted in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), which impose obligations on financial institutions to uphold data integrity and consumer privacy. 
I do not consent to the sharing, selling, or unauthorized use of my personal data beyond what is legally required for credit reporting purposes under the FCRA. The GLBA explicitly mandates financial institutions to maintain safeguards for customer data, ensuring confidentiality, accuracy, and security against unauthorized access. 
Any unauthorized retention or exploitation of my PII will be pursued as a breach of my statutory privacy rights. I demand strict compliance with this directive and require audit trails to verify adherence to legal obligations under the FCRA and GLBA. Furthermore, all non-essential PII reportings not aligned with my specified details must cease immediately. 
My XXXX XXXX XXXX XXXX is : XXXX XXXX XXXX XXXX XXXX Subject : Please investigate completely and thoroughly each and every aspect of any item I have contested your supposed reporting privilege ( s ) to and have here within challenged any and all involved parties of any derogatoriness accused against me to demonstrate incontestable evidence of the applicably certifiable compliant reporting practices, procedures, and processed of which must be of a maximum possible fairness, reasonableness, truth, accuracy, completeness, timeliness, proven cogency and relevance, and verifiability and is without data integrity injuring report deviations that are infractions of mandates, mentioned here or not! 
To Whom It might Concern : This letter formally disputes inaccurate and/or incomplete information appearing on my credit report, impacting my creditworthiness. I request immediate investigation and correction of these errors under the Fair Credit Reporting Act ( FCRA ). I have enclosed supporting documentation for your review and verification. 
Consumers have a right to dispute inaccuracies in their reports, and data reporters are legally bound to address these disputes promptly and efficiently.Have you lawfully met all reporting criteria, ensuring that your ability to classify any information as derogatory against me is fully justified, verified, and legally sound?

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: MA

Complaint narrative:
Multiple dates in XXXX. Can not log on, can not reach by phone, can not make required payments.

Company response to consumer: Untimely response
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On my XX/XX/year> credit reports, a serious and unlawful reporting error appeared on my XXXX XXXX  account ( Account XXXX. XXXX ). This same account is reported inconsistently across the national credit reporting system : Equifax lists the account as current for XX/XX/year>, while Experian and TransUnion report it as 30 days past due for the exact same month. 

This is not a matter of opinion or interpretationit is a direct, unreconcilable contradiction in factual reporting of the same account and same time period. Under Metro 2 compliance standards, an account coded as Status Code 11 ( current ) can not be paired with any delinquency code, including a 30-day late code in the Payment Rating field. This mismatch is a structural data error under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fails the maximum possible accuracy requirement of FCRA 1681e ( b ). 

Despite my prior direct disputes and my active CFPB complaint, all three credit bureaus and the furnisher have continued to verify this account without providing the legally required proof. Under FCRA 609 ( a ) ( 1 ) and 623 ( b ), they must supply original, verifiable documentation, including : The original signed contract ; All billing statements for the disputed period ; Full account-level payment history ; and A notarized affidavit from a person with firsthand knowledge of the records.

No such proof has been produced. Instead, they have persisted in reporting and verifying this late payment, which constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617. 

This false late payment is actively harming my payment history, the most heavily weighted factor in my FICO score, directly impacting my ability to secure credit, obtain favorable terms, and maintain financial stability. The harm is aggravated by the fact that my personal information was compromised in the XXXX data breach, which imposed a heightened duty of accuracy and care on all reporting parties. Rather than meeting that duty, the bureaus and furnisher have allowed inaccurate and unverifiable data to remain, knowing the damage it causes. 

I have given multiple opportunities to correct this unlawful reporting. They have refused, ignored the contradictory evidence, and continued to publish damaging information that does not meet FCRA or Metro 2 standards. This conduct is reckless, intentional, and in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-11 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: IN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is entirely unacceptable and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused significant concern and potential harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
When the debt collectors first contacted me, I owed a total amount of {$4800.00} in which we later came up with an settlement agreement of {$4400.00} ; which brought down the amount I owed {$400.00} less. The settlement stated that I had to pay monthly payments of {$560.00} for XXXX months. Now, I was never sent a contract about these details through the mail or email in which they said they would send both. I never received it. I was only told this information over the phone. I have confirmation receipts of every payment Ive ever made to them I tried contacting the court several times to see if the debt collectors had let the court know that we came up with the settlement arrangement in which the courts told me that the debt collectors never contacted them until this day still have not contacted them. I have paid the total amount of {$4400.00} in full. The annoying part is every time I try getting the debt collector to send me a paper indicating my balance is paid full and that the case should be closed, They tell me that I still owe a balance of {$480.00}. I call them about 2-3 times per week and each time they say different things, wrong information, sometimes they say I still owe a balance of {$480.00}, sometimes they say I still owe interest ; other times they say to be patient until the case is closed. They say the case is still pending. In the middle of the six month payment arrangement I made with them they emailed me a new contract without my consent hiring the amount I owed. Can you guys please help me i just want this case closed and the court contacted. This stresses me out daily and is so inconvenient. down below, I will provide you the initial contract that I signed in which I never received up until I was practically done with the payments, and the other contract they emailed me out of the blue highering the amount I was supposed to be paying for no reason.

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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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