vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Follow 15 U.S. Code 1681g by deleting the disputed accounts within the allowed timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I enrolled in a hardship program made a few payments requested to cancel enrollment and to obtain a settlement to pay in full. The company is attempting to force me to stay in the program despite me telling them to discontinue which is a violation of my consumer rights. My req is to cancel the hardship program email me a settlement so i can pay the account off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX-XXXX XXXX XXXXXX/XX/year>. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian, Transunion, or Equifax too furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian, Transunion, or Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, Without prejudice, all-natural inalienable rights are reserved.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am being scammed by a cryptocurrency company the XXXX XXXX or XXXX XXXX XXXX. They say that my funds are in a box in customs in XXXX. And that customs want money to release it. So I refused to send anything and threatened them with legal action. The company had XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX in XXXX XXXX, Wisconsin, open a fraudulent bank account using my name and address at Bank of America. I have the checkbook to prove it as I attempted deposits and purchased Bitcoin and lost an additional {$6500.00}.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
Sallie Mae, constantly leaves calls stating they have programs and options to help me with my student loan repayments. But when you call there is nothing they can do for you, they do no offer deferment or forbearance outside of if Im enrolled in school. They have very bad predatory practices, and do not offer real solutions for loan repayment if you have lost your job, or income changes arise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MI

Complaint narrative:
I am disputing an XXXX XXXX account that continues to be reported on my TransUnion credit report even though it was discharged under XXXX  XXXX bankruptcy and is now closed with a {$0.00} balance. 

The account also shows Account closed by credit grantor and continues to update with derogatory remarks despite having no permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ( a ) ).

I previously disputed this with TransUnion and requested the method of verification ( FCRA 611 ( a ) ( 7 ) ), but neither XXXX XXXX nor TransUnion has provided documentation proving the right to continue reporting this account. 

Because the account was included in bankruptcy, XXXX XXXX can not legally verify the debt or report payment activity. Additionally, my third-party consumer reporting agencies ( XXXX and XXXX ) are frozen, so TransUnion can not verify via external data sources. 

I am requesting the CFPB to require both TransUnion and XXXX XXXX to either : 1. Provide proof of permissible purpose and written verification ( such as the original signed account agreement and reaffirmation documentation ) ; or 2. Delete this account and all related bankruptcy remarks due to unverifiable and outdated post-bankruptcy 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 non-monetary relief
Consumer complaint received 2025-10-10 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: UT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing inaccurate late-payment coding on the XXXX XXXX ( Acct. # XXXXXXXX XXXX XXXX  ) * * tradeline on my TransUnion credit report. The account is Closed / obligation satisfied with Balance {$0.00} and Past Due {$0.00}, yet TransUnion shows 30-day late codes for XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

These late codes are materially inconsistent with the other bureaus : XXXX  and XXXX  report those same months as OK / current. I filed disputes with TransUnion and asked for the Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, I requested ( 1 ) the full payment ledger for the disputed months with received/posted dates, ( 2 ) any delinquency notices allegedly sent, ( 3 ) the payment-application policy in effect in 2019, ( 4 ) the name/address/phone of the furnisher representative who verified the item, and ( 5 ) the ACDV/e-OSCAR response used to verify. TransUnion either issued a generic verified/updated outcome or said my documents were unacceptable, but did not provide the MOV or documentary proof.

Reporting late codes while showing {$0.00} Past Due and a satisfied, closed account is misleading and violates FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reasonable reinvestigation/correction ). Because the furnisher has not produced documentation substantiating a true delinquency for those months, these lates are unverified and should be deleted. 

Attachments provided : TU page showing the three 30 codes with {$0.00} past due / obligation satisfied XXXX pages showing OK for XXXX XXXX Any closure/satisfaction documentation for 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: PR

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian illegally reinserted multiple XXXX XXXX and XXXX accounts that were deleted in XX/XX/year>, as shown in report # XXXX. These accounts reappeared in report # XXXX dated XX/XX/year>, without written notice as required by FCRA 611 ( a ) ( 5 ) ( B ). I request immediate deletion and investigation.

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 2025-10-10 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: MI

Complaint narrative:
I am disputing an auto loan account from XXXX XXXX XXXX XXXX that continues to be reported by TransUnion after my Chapter XXXX bankruptcy discharge. 

The account is closed, shows a {$0.00} balance, and lists a derogatory remark ( Chapter XXXX bankruptcy ) even though there is no permissible purpose or open account relationship under FCRA 604 ( a ).

I have already disputed this with TransUnion and requested the method of verification under FCRA 611 ( a ) ( 7 ), but they failed to provide any documentation proving XXXX XXXX Credits authorization to continue reporting this account. 

Additionally, the account is not attached to my current mailing address, and my third-party consumer reporting agencies ( XXXX and XXXX ) are frozen. This means TransUnion can not verify through external sources and must contact the furnisher directly, yet no valid proof has been provided. 

I am requesting that CFPB investigate and require both TransUnion and XXXX XXXX XXXX to provide : XXXX. Written proof of permissible purpose and verification, including the signed application or reaffirmation agreement. 
XXXX. If they can not verify, the complete deletion of the account and bankruptcy remark under FCRA 611 ( b ).

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed this account with no resolve. I attached letters from the company. The account should not be on my 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed this account with no resolve. I attached letters from the company. The account should not be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: AL

Complaint narrative:
I have been paying my student loan through XXXX for quite a long time. When the government offered the sign up for student loan forgiveness I of course applied and was approved. I continued making my loan payment on time each month. Now please note when you login to XXXX you make XXXX payment. They combine all the loans in to XXXX payment. In XXXX of XXXX I logged in to make my payment and it should my loan was completely paid off. I continued to check it monthly just to make sure it was still showing paid. In XXXX I was doing an home improvement loan with my bank and when they pulled my credit report which has never had a late payment, it showed XXXX accounts past XXXX  days due with CRI. Somehow my student loan was transferred to them and I was never notified. I have called them, XXXX and the Federal student aid office for help with this situation. Each one blames the other and I am left with a ruined credit score because of the lack of notification from any of the XXXX that my loan was transferred. I immediately paid the loan payment when I learned that the account existed. All I am asking for is that they remove the XXXX  days late on XXXX accounts, that when you login in is only XXXX payment, not XXXX from my credit report. I can not pay an account that I did not know existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
According to my records, the Date of First Delinquency ( DOFD ) for this account was reported on XX/XX/XXXX, which makes this account over XXXX XXXX XXXX. Negative accounts, including repossessions, may not be reported beyond XXXX  years from the DOFD. On my credit report it is reporting that the repossession took place XXXX of XXXX, and this false reporting and this is illegal. I request that you investigate this account with the creditor and remove it from my credit report immediately, as continuing to report it violates the FCRA law under Section 605 ( a ) : Limits most negative items to XXXX  years from the date of first delinquency. This company has sold this account to another debt collection agency, and I have never signed any documentations/ forms/ that involving me with this company. * * * * Re-aging an account ( changing the DOFD to make it appear more recent ) violates this section.

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