vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AZ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AZ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX  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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: CA

Complaint narrative:
In XXXX XXXX my girlfriend and I rented a vehicle from XXXX for a trip to XXXX. The electric vehicle they provided failed to charge and died on the XXXX XXXX, causing us to miss our flight and pay out of pocket for a tow and hotel and new flight. XXXX refused to help because we did not purchase a premium package. We later disputed a {$280.00} charge with her credit card issuer, and the dispute was resolved in our favor on XXXX XXXX XXXX The charge was reversed.

On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  contacted my girlfriend by phone to collect this same amount. During the call, they yelled at her and tried to intimidate her, even though she has a medical condition ( XXXX XXXX ) that affects memory and verbal communication. She was unable to effectively respond due to the stress, and the call caused her significant emotional distress. When I followed up with XXXX  shortly after, they refused to speak with me, claiming they were " closed, '' and abruptly ended the call. 

XXXX has refused to accept proof that the charge was reversed by the credit card company. They are continuing to pursue this invalid and previously disputed charge, despite being told it was resolved and despite the fact that the vehicle was retrieved by XXXX weeks prior. 

We have since mailed a debt validation request and formal dispute notice, as allowed under the FDCPA, via certified mail. XXXX conduct amounts to harassment, and they are knowingly pursuing a debt that was never legally owed. 

My boyfriend is assisting me with handling this matter due to my medical condition, which affects memory and speech under stress, and was also present for entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I am filing a formal complaint under the FEPRA ( 20 U.S.C., 1232g ) Family Educational Rights and Privacy Act ( FERPA ) regarding unauthorized access and disclosure of my financial aid records. I have the right to privacy and accurate record keeping regarding my educational history. 

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to unauthorized release of education records to XXXX or XXXX Musk XXXX XXXX unauthorized staff will have access private disbursement balances or fraudulent use of my records which is an violation with XXXX regulations and consumer protection laws. Therefore, I have recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. 

I am filing a formal complaint under the FEPRA ( 20 U.S.C., 1232g ) Family Educational Rights and Privacy Act ( FERPA ) regarding unauthorized access and disclosure of my financial aid records. I have the right to privacy and accurate record keeping regarding my educational history. 

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to unauthorized release of education records to XXXX or XXXX Musk XXXX XXXX unauthorized staff will have access private disbursement balances or fraudulent use of my records which is an violation with XXXX regulations and consumer protection laws. Therefore, I have recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. 

Therefore the total XXXX Parent Loan balance {$20000.00} should be deleted and remove from credits report from all three credit bureaus, this action is necessary due to I have already file a federal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
This is a formal notice that student loan servicer, Launch Servicing LLC, has committed a serious privacy violation and identity theft. My student loan information, which is part of my student education record, is protected under FERPA and must not be disclosed without my explicit consent. FERPA mandates confidentiality for educational records and requires written permission before releasing any information. 
My student loan information is nonpublic personal information and falls under the protections of 15 U.S.C. 6801 of the Gramm-Leach-Bliley Act. This statute explicitly requires the protection and non-disclosure of sensitive consumer data. 
I never provided written consent for the student loan servicer to furnish or report my information to any credit bureau. Under the FCRA, a permissible purpose can not be transferred. You are not allowed to obtain my credit report for one reason and then use or share it for another without a new permissible purpose. Doing so violates my rights and federal law. 
You have obtained my consumer report under false pretenses, a direct violation of 15 U.S.C. 1681q. Moreover, your conduct also violates 18 U.S.C. 1028 ( a ), which criminalizes the unlawful use or possession of another persons identification. 
If I never authorized this reporting or access, it constitutes identity theft. I hereby demand immediate removal of all student loan data from all consumer reporting agencies and written confirmation of your compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-02 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: CT

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block the following fraudulent and unauthorized accounts from my consumer credit report within four business days of receiving this complaint. In addition, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and validity of these accounts and demand a full reinvestigation as required by federal law.

The fraudulent accounts reported on my credit file include : An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3700.00} An auto loan account with XXXX opened on XX/XX/XXXX, with a balance of {$500.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$3500.00} A student loan account with Dept of EducationXXXX  opened on XX/XX/XXXX, with a balance of {$7900.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$4600.00} A student loan account with Dept of Education/XXXX  opened on XX/XX/XXXX , with a balance of {$10000.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX , with a balance of {$6700.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$370.00} Under FCRA Section 611, I demand that Equifax provide complete details of its reinvestigation, including the method of verification used for each account and physical proof supporting the accuracy of the reported information. Without such evidence, these entries are presumptively fraudulent and constitute prima facie violations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion immediately block the following fraudulent and unauthorized accounts from my consumer credit report within four business days of receiving this complaint. In addition, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and validity of these accounts and demand a full reinvestigation as required by federal law.

The fraudulent accounts reported on my credit file include : An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3700.00} An auto loan account with XXXX opened on XX/XX/XXXX, with a balance of {$500.00} An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$3500.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$7900.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX, with a balance of {$4600.00} A student loan account with Dept of Education/XXXX  opened on XX/XX/XXXX , with a balance of {$10000.00} A student loan account with Dept of EducationXXXX opened on XX/XX/XXXX , with a balance of {$6700.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$370.00} Under FCRA Section 611, I demand that TransUnion provide complete details of its reinvestigation, including the method of verification used for each account and physical proof supporting the accuracy of the reported information. Without such evidence, these entries are presumptively fraudulent and constitute prima facie violations under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
My phone was taken in XXXX XXXX in the late hours/morning hours of XXXX XXXXXXXX XXXX XXXX. They were able to unlock my XXXX and begin to access all of my information without my knowledge. During this time, they reset my passwords AND XXXXXXXX XXXX  BIOMETRIC DATA so that they were able to access US BankXXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX  ( among other personal information and email ). 

From US Bank, XXXX XXXX XXXX were withdrawn, even taking me into a negative balance. Of what's been contested ( still unsure of the final amount as I have lost access to online banking and was disputing charges based on the verbal readings of the representative ), {$4000.00} of it has been approved as legitimate charges completed by me. The information that they provided really does a poor job of explaining how the conclusion was reached, other than mostly, just saying that the transactions were completed using the XXXX XXXX or phone confirmation. This was due to the thief having changed all of that information to assume my identity and approve the transactions. All other parties besides US Bank and XXXX have returned the monies after determining they were very clearly fraudulent given my spending, location of the transactions, and account activity for the length of the accounts. 

Although I only received proof of investigation for the lesser amounts, I have included the claim case numbers which they have closed and did not approve in my favor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX - ATM Withdrawals in XXXX LA, where I never traveled to

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 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 2025-06-03 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was charged interest on regular purchases while my payments were going toward a promotional balance. The system made it difficult to track, and I was not clearly notified. I request an interest adjustment as I was unaware of the payment application policy.

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 monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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