vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identity theft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX business days. The following entries on my credit report are associated with this identity theft and must be blocked. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent inquiries that are not associated with me. All necessary documentation is Included in this packet, and copies have been sent to your agency both via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 
HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identity theft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX business days. The following entries on my credit report are associated with this identity theft and must be blocked. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent inquiries that are not associated with me. All necessary documentation is Included in this packet, and copies have been sent to your agency both via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 
HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Since the SAVE program federal injunction, my loans were supposed to be placed on interest-free forbearance until the courts fixed the problem. Currently my loans have been accruing interest since XXXX so my loan servicer has not complied with federal mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This account was charged off XX/XX/scrub> 2018. Since the account has repeatly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active history/ This inaccurate information falsely manipulate the statute of limitation..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I submitted disputes to all three credit bureaus ( TransUnion, Experian, and Equifax ) regarding inaccurate and unverifiable information on my credit reports. I followed all required procedures, including submitting written and online disputes, but the credit bureaus have failed to correct or remove the following inaccurate items : XXXX. XXXXXXXX XXXX ( Acct ending in XXXX ) Account is closed but falsely reports a {$1500.00} past due balance with no supporting payment history. 
XXXX. XXXX XXXXXXXX XXXX ( Acct ending in XXXX ) Account is closed with a {$0.00} balance but inaccurately marked as 60 days late. 
XXXX. XXXX XXXX XXXX ( Acct ending in XXXX ) Reports a {$920.00} past due balance despite being closed, with missing or inaccurate payment history. 
XXXX. Outdated Personal Information Old addresses and personal details remain on my credit report despite requests for removal. 

I filed disputes on XX/XX/year> : TransUnion : Case XXXX XXXXXXXX Equifax : Confirmation XXXX XXXXXXXX Experian : Confirmed via email ; awaiting final response These bureaus are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires a proper investigation within 30 days and removal or correction of inaccurate or unverifiable information. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires reasonable procedures to assure maximum possible accuracy of information reported. 
FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Gives me the right to request the sources and documentation used to verify the information which I have not been provided. 

These inaccurate and unverified items are causing harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I submitted disputes to all three credit bureaus ( TransUnion, Experian, and Equifax ) regarding inaccurate and unverifiable information on my credit reports. I followed all required procedures, including submitting written and online disputes, but the credit bureaus have failed to correct or remove the following inaccurate items : XXXX. XXXXXXXX XXXX ( Acct ending in XXXX ) Account is closed but falsely reports a {$1500.00} past due balance with no supporting payment history. 
XXXX. XXXX XXXXXXXX XXXX ( Acct ending in XXXX ) Account is closed with a {$0.00} balance but inaccurately marked as 60 days late. 
XXXX. XXXX XXXX XXXX ( Acct ending in XXXX ) Reports a {$920.00} past due balance despite being closed, with missing or inaccurate payment history. 
XXXX. Outdated Personal Information Old addresses and personal details remain on my credit report despite requests for removal. 

I filed disputes on XX/XX/year> : TransUnion : Case XXXX XXXXXXXX Equifax : Confirmation XXXX XXXXXXXX Experian : Confirmed via email ; awaiting final response These bureaus are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires a proper investigation within 30 days and removal or correction of inaccurate or unverifiable information. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires reasonable procedures to assure maximum possible accuracy of information reported. 
FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Gives me the right to request the sources and documentation used to verify the information which I have not been provided. 

These inaccurate and unverified items are causing harm to my creditworthiness and financial opportunities.

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 2025-04-23 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: TX

Complaint narrative:
XXXX XXXX is reporting differently across bureaus ( Equifax vs. Experian ) .They 're reporting new late payments XXXX XXXX XXXX even though the account was marked closed in XXXX XX/XX/year>. It has a {$0.00} payment listed, and showing late payments after it was closed. One bureau lists 1 late payment in 2025, another lists 3. The account was closed in XX/XX/year> and should not have additional late marks afterward. This violates the FCRA and must be corrected or 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 explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
XXXX XXXX is reporting differently across bureaus ( Equifax vs. Experian ) .They 're reporting new late payments XXXX XXXX XXXX even though the account was marked closed in XXXX XX/XX/year>. It has a {$0.00} payment listed, and showing late payments after it was closed. One bureau lists 1 late payment in 2025, another lists 3. The account was closed in XX/XX/year> and should not have additional late marks afterward. This violates the FCRA and must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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 XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports

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 2025-04-23 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: PA

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT ( Report # XXXX ) TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM * TRANSUNION * Dear CFPB, I recently reviewed my credit report and I have tried to reason with the company Transunion about this FCRA error on my credit report. I went to the dealership to get a car and the company DID NOT inform me that my credit would be ran XXXX additional times. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account! 
The inquiries are listed here : 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 XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to 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 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
They bought the debt from XXXX XXXX XXXX I never applied for this account opened due to fraud for the amount 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 2025-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
This merchant is XXXXXXXX XXXX sent emails & email address not listed its a scam. They mislead & fraudulent website for XXXX. 

The company card used where I disputed for the XXXX is Netspend Thank you in advance for any help you can offer

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 2025-04-23 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: GA

Complaint narrative:
Please remove information that was placed on my credit report about a late payment when the account is paid off and I've never had a late payment. The account is closed and I want you to remove that information because it's affecting my credit score Request for Debt Validation Under 15 USC Greetings, By means of this letter, I am requesting validation of the debt that appears on my credit report in your name. Under the Federal Credit Union ( FDCPA ) ( 15 USC 1681c a ), you are required to provide me with proof that this debt is valid and that you have the right to it. If you can not validate this debt within 30 days, I request that it be removed from my credit report immediately. 
I look forward to your written response with all necessary documentation. Sincerely, XXXX XXXX Contact Information 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