vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  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 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 21 days before the payment due date. 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!

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 2025-09-18 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO-ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP THANK YOU. 





Please remove all negative accounts that are not associated with my personal information, by law is required for you to remove within30 days of no response.

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 2025-09-18 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$5600.00} Account Name : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$810.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$1900.00} UNAUTHORIZED INQUIRIES : XXXX DC XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-09-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
I am submitting this complaint regarding Equifaxs reporting of a XXXX account that does not belong to me. This account is the result of identity theft and should never have been placed on my credit file. I have already filed an identity theft report with the FTC and provided supporting documentation, including a police report, proof of identity, and proof of address, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ). 

Despite my submission of the required documents, Equifax has failed to block the fraudulent XXXX account from my credit report as the law requires. This inaccuracy is negatively impacting my credit and causing me harm. I am requesting that Equifax immediately comply with federal law and permanently block this identity theft account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
I am filing a complaint regarding an inaccurate debt reported and collected by National Credit Systems ( NCS ). This debt is not valid, and despite providing proof, it continues to be reported on my credit file. 

My husband and I leased a residential property. Our lease agreement required a 60-day written notice to vacate. 

I provided this 60-day written notice, which was signed by the leasing agent, and I received the official move-out form as confirmation. 

Despite my compliance, the property company incorrectly charged us a lease renewal/break fee of {$1600.00}. 

The property company later sold this alleged balance to NCS. 

I disputed the account directly with NCS via certified mail, attaching proof of proper notice. NCS responded by marking the account updated, but not deleted. 

I also disputed with the credit bureaus, attaching evidence. The result was the same : the account remains. 

I filed a previous CFPB complaint, but NCS only marked the account as updated without correcting the inaccuracy. 

Violations : This debt is not valid under the lease contract. 

By continuing to report it, NCS and the original property company are furnishing inaccurate information to XXXX, XXXX, and XXXX, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 

NCS is also attempting to collect a debt that is not owed, constituting a violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) specifically, misrepresentation of the character, amount, or legal status of a debt.

I have attached supporting documents, including : Lease agreement section regarding 60-day notice, My written & emailed notice and leasing agents signed acknowledgment, Official move-out form, Prior dispute correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
As classes became closer to being finished the XXXX XXXX  had to see the financial aid office hit with an outstanding balance. My balance owed was XXXX which I received in Financial aid, I had some type of government assistance to cover PHEEA, which left me with a balance of XXXX. I currently work in healthcare. As a XXXX I was offered a job as an XXXX with my temporary XXXX license. I asked the person in charge at the school. Could I use my temporary nurse license to pay down my balance I was told no. Due to prior students ' balances, we are lucky that the school let us finish, when they attended school they saved money, and they used their income tax money to pay the balance which was like a slap in my face. I stressed to them about being a single mother, my travels to and from school commuting from XXXX all the way to XXXX, how devoted I was, and also how I was willing to make the payment if I could use my XXXX XXXX XXXX to make the money. Again, Im myself, and a few others were told no. I reached out to the board of XXXX. They said it was not up to the school to decide its up to them to decide if we can use our XXXX XXXX XXXX. The school will have to forward the information that we have completed school. The only thing is the school is holding our transcripts and diplomas XXXX so were not able to do anything they want their money new owners have taken over different rules have been set forth, I just dont understand how this could be, Our class was finished in XXXX. We have XXXX XXXX  a year for every student. Our spots were reserved back in XXXX. The XXXX  is in XXXX now theyre sending out an email stating that if we havent paid our balance and met the requirement then we arent allowed to XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
My information was used in a XXXX  XXXX Data Breach and identity was stolen and I do not recognize any of the accounts effected and listed below : XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: AZ

Complaint narrative:
Employment termination : XX/XX/XXXX. 
Employer : XXXX XXXX agency as a XXXX XXXX XXXX for XXXX : National Recovery Agency ( NRA ) XXXX sent me a letter informing me that NRA will reach out to me via phone or mail. Months go by and I don't receive any communication. 

After I recovered text messages for a seperate reason to this, I found a list of text messages deemed as spam/junk or scam/fraudulent messages or what ever they use to determining when to automatically block messages. 

I found the XXXX text message from NRA attempted to be delivered to me on XX/XX/XXXX. However, I had uncovered the message in mid XXXX, XXXX. I had expected a letter in thr mail to have been sent to me from NRA as XXXX had done. 

I promptly reached out to NRA on XX/XX/XXXX requesting for further information that im entitled to under the fair debt collection practices act ( FDCPA ). In part in included a request for the agreements of repayment obligations and policy 's that outline how the obligations are determined. 

NRA deferred me to XXXX, after back and forth emails and phone calls with their HR team, Crew Central, I never received the policy 's or signed agreements. The proof of payment they provided was based on elay record reporting from the third party repayment company, XXXX, that reports when they made the payments but XXXX only states the payments in payslip that covers XXXX weeks. 

After having to contact XXXX consistently getting no responses to my many emails or help over the phone, I reached out to my student loan provider/administor. The info I eventually received and provided to XXXX was still not sufficient. So I contact XXXX XXXX XXXX ( XXXX ) in a form of a complaint but also a request for help. They provided me with official exact payments details that specified what day, amount and from whom the payments csme from ( XXXX ). 

XXXX was still being unreasonable even after I provided this documentation to them and werent accepting my proof from XXXX. They did state in an email that the amount of what I owe was incorrect due to no manual entry of it or therefore a person 's processing of it. Instead it was automatic based on edassist communication to them and date ranges as noted in my payslips. 

XXXX also mentioned that they could make the changes but haven't. My last communications from them were XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I made XXXX payments totaling {$510000.00} in order to pay off my mortgage. The company told me they would not accept the payments because the funds weren't certified. When I pushed back they said they would hold the funds for 15 days to make sure they wouldn't be returned, and then they would pay off my mortgage and close my account. I confirmed with them that there would be no penalties or late fees involved because they were holding my money. I followed up again today ( 19 days later ) because the account hasn't been closed and was informed that they rejected the customer service agent 's request to pay off my mortgage. This apparently happened on XX/XX/XXXX and I was never informed of this. They told me that I have to wait 7-10 business days to be mailed a check with the money that I sent them. Nobody is able to tell me why they can't accept the XXXX payments I made before paying off the loan. They have unnecessarily been holding my money and not applying it to my mortgage. They funds cleared in my bank account on XX/XX/XXXX. They are now charging me late fees and won't tell me when I'll get my money sent back. An agent says she will work towards getting my funds processed tomorrow, but has not guaranteed anything. I will attach transcripts of both of the chats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
The account does not belong to me. They failed to send me proof and it took more than 30 days to get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
The account does not belong to me. They failed to send me proof and it took more than 30 days to get back to me

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 2025-09-18 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: MI

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 non-monetary relief
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The accounts in questionXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/2025, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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 account is being reported inaccurately and has already been disputed in Rounds XXXX and XXXX. Despite my requests for validation and correction, the account continues to appear on my credit report with inconsistent and unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Nu XXXXXXXX XXXX XXXX XXXX XXXX  ( masked in report ) Date Opened/Ass XX/XX/year> Re {$120.00} Status : Collection / Unpaid Under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623 and the Fair Debt Collection Practices Act ( FDCPA ) 807, you are required to ensure that all information furnished to the credit bureaus is accurate and verifiable. Continuing to report this disputed account without proper validation constitutes a violationoffederallaw.

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