vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have reported XXXX to multiple agencies for reporting loans that were forgiven- they are showing back up on my account after they were initially forgiven in XX/XX/XXXX, they showed back up in XX/XX/XXXX with a balance owed of over {$22000.00}. Studentaid.gov, the Dept of Education says these were FORGIVEN - so the head of lending who has the final say in all this says these loans do not exist any longer and XXXX is wrong, but XXXX refuses to update my account to match the Dept of Education. When I talk to agents after 4 hour holds at XXXX, they say they see errors on my account but no one ever fixes anything- they are still working on it. 

I am now trying to get the credit bureaus to fix my account to no avail, even with the Dept of education account evidence as backup - to no avail. I don't understand why XXXX has any authority when they literally just work UNDER the Dept of Education and the Dept of Education has final say and has said what my account status is.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have XXXX unauthorized hard pulls from my transunion report. XXXX with XXXX, and the other one with XXXX, as shown on my credit report. Both application were made on XX/XX/year> by someone living in Texas ( its far away from where I live ) and with a fake phone number. I reached out to both companies immediately after I was alerted about these inquires. Their resolution is to start an investigation regarding it, but I have heard anything back from them since XXXX of last year. I also asked about reference number for me to check the case status, just have been told theres none - their supervisor will do the check and proceed further.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-05 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:
Account XXXX was not late. According to the Fair Credit Reporting Act ( FCRA ), a creditor can not report a payment as 30 days late if it wasn't actually 30 days late. The FCRA mandates that creditors report accurate information, and reporting a payment as late before it's actually 30 days past due would be a violation of this principle. I am requesting the 30 day late payment be removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Payment was paid XX/XX/XXXX XXXX Payment was paid XX/XX/XXXX ( not 30 days late ) XXXX Payment was paid XX/XX/XXXX ( not 30 days late ) XXXX Payment was paid XX/XX/XXXX The due date is the XXXX of each month. My payment was not 30 days late. Please report true and accurate information.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account XXXX was not late. According to the Fair Credit Reporting Act ( FCRA ), a creditor can not report a payment as 30 days late if it wasn't actually 30 days late. The FCRA mandates that creditors report accurate information, and reporting a payment as late before it's actually 30 days past due would be a violation of this principle. I am requesting the 30 day late payment be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Payment was paid XX/XX/XXXX XXXX Payment was paid XX/XX/XXXX ( not 30 days late ) XXXX Payment was paid XX/XX/XXXX ( not 30 days late ) XXXX Payment was paid XX/XX/XXXX The due date is the XXXX of each month. My payment was not 30 days late. Please report true and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Account XXXX was not late. According to the Fair Credit Reporting Act ( FCRA ), a creditor can not report a payment as 30 days late if it wasn't actually 30 days late. The FCRA mandates that creditors report accurate information, and reporting a payment as late before it's actually 30 days past due would be a violation of this principle. I am requesting the 30 day late payment be removed. 

XXXX XXXX was paid XX/XX/XXXX. 
XXXX Payment was paid XX/XX/XXXX XXXX Payment was paid XX/XX/XXXX ( not 30 days late ) XXXX Payment was paid XX/XX/XXXX ( not 30 days late ) XXXX Payment was paid XX/XX/XXXX The due date is the XXXX of each month. My payment was not 30 days late. Please report true and accurate information.

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 2025-05-05 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:
FORMAL COMPLAINT TO CFPB INCONSISTENT REPORTING AMONG CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) COMPLAINT : CREDIT BUREAU INCONSISTENCIES SAME ACCOUNT, DIFFERENT STATUS Dear CFPB, I am submitting this formal complaint regarding an unacceptable inconsistency in the reporting of one of my accounts across the three major credit bureaus. 

The account in question is a XXXX XXXX XXXXXXXX credit card, which is being reported positively and accurately by XXXX but is being reported negatively and inaccurately by XXXX and TransUnion. 

ACCOUNT DETAILS : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : Negative with two 30-day late payments reported ( XX/XX/XXXX & XX/XX/XXXX ) Last Activity : Conflicting dates between bureaus Balance : {$2000.00} The same account can not legally be both Positive and Negative at the same time. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a failure of the bureaus and/or furnisher to ensure consistency and accuracy. 

LEGAL VIOLATIONS : This situation violates the following sections of the FCRA ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

1681i : Requires that, upon dispute, inaccurate or unverifiable information must be corrected or deleted within 30 days.

1681s-2 ( b ) : Obligates furnishers to correct and update inaccurate or incomplete information after being notified of a dispute. 

I previously disputed the late payments on this account, and XXXX has already acknowledged that the account is current and accurate. However, XXXX and TransUnion have failed to correct their inaccurate reporting, which now constitutes willful or negligent noncompliance 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 2025-05-05 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: PA

Complaint narrative:
Equifax dropped my credit score XXXX points on XX/XX/2025. This has created an unfair, unethical harm to my life and living. This drop in score should not be allowed because an old account was removed from my credit report. This has caused so much harm to my life. Yet a $ XXXX car was paid I only received an XXXX points increase. When something is removed. I should receive a XXXX points increase. Please make this situation make sense I want my XXXX points increased back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX of XXXX XXXX  did XXXX hard credit checks without telling me on XX/XX/year> with XXXX XXXX, XXXX XXXX and, XXXX XXXX. Lowering my credit score XXXX points.

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 2025-05-05 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: IL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-05 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: NY

Complaint narrative:
I was a victim of identity theft. Several accounts were fraudulently opened under my name as well as hard inquiries in the process of opening fraudulent accounts despite my proactive measures of freezes with the credit agencies. 

XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
The 2 disputes dont reflect what the loan terms and balance are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: GA

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

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was blocked from sending {$100.00} to someone on XX/XX/year> despite the fact the system is supposed to allow me to send up to {$20000.00} per week. 

I have spoken to XXXX support people at Cash App and XXXX manager, and they have refused to resolve this issue. 

The only response I've received is that I can't make this transaction for my own protection and was to find other means to send money. 

As a result, I need someone to contact me a.s.a.p. to resolve this issue today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A Best Buy credit card account was opened in my name without my knowledge or consent. I first became aware of it after reviewing my credit report, which showed payments made during XXXX. I did not open this account or make those payments. At that time, I only had a checking account with XXXX XXXX  XXXX and no credit cards. 

I contacted the creditor ( Citibank/XXXX XXXX ) and requested details of the purchases and where the items were shipped, but they failed to provide this information. The account was then sold to XXXX XXXX XXXX, who began debt collection attempts. I have disputed the debt and requested formal validation. 

I am filing identity theft reports and pursuing legal action to remove this fraudulent account from my record.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I noticed a drastic drop in my credit score from my online banking app on XXXX. A closed account was reactivated causing the drop in score. Then on XXXX, the app shows that my credit score is holding steady and now the account has been closed again. 

This inaccurate information caused significant damage to my credit score after working very hard to increase it the past several months. 

According to the FCRA, this violates my rights along with the inaccuracies of the account, negligence of the credit agency and credibility to 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 non-monetary relief
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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