vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX XXXX XXXX XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX XXXX XXXX XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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 ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
b'credit acceptance gave me a predatory loan and the car got towed away in 2022 and i couldnt locate it i was away when it got towed i didnt find out til two months later i havent paid a payment since 2022 i just wish they can close this account i cant get no credit no more .credit acceptance corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX  phone 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 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
This was paid by me on XX/XX/year> and credited to my account on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 have reviewed my credit report and noticed certain entries that I did not authorize or initiate. These accounts are fraudulent, and I am in no way associated with the parties responsible for opening them.

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 2025-07-08 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports. Despite submitting all required identification and supporting documentation-including a copy of my Louisiana driver 's license and Social Security card-the credit reporting agencies have not blocked or removed the false information from my file. Additionally, I have been unfairly labeled with terms such as " consumer disputes, '' " fraud alerts, '' and notes suggesting that I am engaged in frivolous or underhanded activity.

This is unacceptable, defamatory, and in direct violation of federal law. In accordance with 15 U.S.C. 1681c-2 ( a ), I have provided : 1. Proof of my identity ( driver 's license and SSN card ) ; 2. A statement of identity theft and fraudulent information ; 3. Identification of all false tradelines and inquiries that are not mine.

Still, the following harmful actions remain : - Accounts are marked with narrative codes such as " 022 - Consumer Disputes, '' " 057 - Collection Account, '' and other damaging remarks ; - Public remarks on my Equifax report falsely imply that I submitted frivolous disputes or am associated with fraud ; - Negative items remain, including charge-offs, collections, inquiries, and inaccurate addresses/employers ; - The presence of over a dozen derogatory tradelines I did not authorize,
including but not limited to : - XXXX XXXX XXXX ( multiple entries ) - 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 XXXXXXXX ( Hard inquiries ) These entries are materially harming my ability to obtain credit and are causing personal and professional harm.

Additionally, the only personal information that should appear on my credit reports is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Employer : XXXX XXXX All other addresses, phone numbers, employers, fraud alerts, consumer statements, and notations of dispute or identity theft must be permanently removed. Legal Precedent As established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), credit bureaus are legally obligated to conduct a meaningful investigation and correct or remove inaccurate data. Mislabeling a legitimate identity theft complaint as " frivolous '' may constitute willful non-compliance under FCRA 1681n.

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 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$460.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$6000.00}

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 2025-07-08 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: NJ

Complaint narrative:
Dear Credit Reporting Department, I am formally disputing the accuracy and completeness of the charge-off account reported by XXXX XXXX XXXX  ( XXXX XXXX ) on my credit report. As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am also invoking my right to request the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The account in question is reported as charged-off and delinquent ; however, I have reason to believe this information is incomplete, potentially inaccurate, and misleading for the following reasons : No sufficient debt validation has been provided.

There is no clear evidence of how the post-repossession deficiency balance was calculated.

If the debt was canceled or charged off and no longer being collected, it may require IRS Form 1099-C to have been issued.

Therefore, I request the following : 1. The complete method of verification used to confirm the accuracy of the reported charge-off.

2. A reinvestigation into this accounts reporting, including validation of the remaining balance.

3. A review to determine whether this account is being reported in a manner compliant with FCRAs accuracy standards.

If XXXX XXXX XXXX can not provide evidence that this debt is valid, current, and being reported accurately, I am requesting that this charge-off account be removed entirely from my credit report pursuant to 15 U.S.C. 1681i ( a ).

Please conduct a reasonable reinvestigation of this item and respond within the required 30-day period. Kindly provide written confirmation of the outcome. 

Sincerely, 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 2025-07-08 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:
XXXX XXXX XXXX is reporting on my credit report. This account has been settled with the original creditor and no debt is owed to this third party company. I never signed any agreement with this agency.

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 2025-07-08 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: ND

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: RI

Complaint narrative:
Ive sent in multiple times a debt validation letter and I never get one and then it passes the 30 day mark and still no updates or letters back from them I also asked to the Fair Debt Collection Practices Act 15 USA 1692g stating your claim is disputed and validation is requested this is NOT a request for verification or proof of my mailing address but a request for VALIDATION made pursuant to the above named title and section I respectfully request your offices provide me with complete evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus this action may constitute fraud under both federal and state laws. due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing in legal action against you and your client for the following : Valuation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character.

if your offices are able to provide the proper documentations aa requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered determental to any of my credit reports, iw I'll consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. 


My student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 

I have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.

This incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported. 

Summary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. 


I appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.

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 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. 


My student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 

I have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.

This incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.

Summary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. 


I appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. 


My student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 

I have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.

This incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.

Summary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. 


I appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.

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 2025-07-08 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:
This letter serves as a formal notice that my credit report contains accounts that I did not authorize, initiate, or recognize. I am not responsible for these fraudulent entries, and they do not reflect my actual financial history.

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 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding my Income-Driven Repayment ( IDR ) application through Aidvantage. I have now submitted my IDR application three times due to conflicting instructions from Aidvantage representatives, including a supervisor.

Here is a summary of what occurred : I consolidated my loans and submitted an IDR application shortly after.

While that IDR application was still pending, a representative told me I should resubmit the application to qualify for a lower monthly payment.

I followed that advice and submitted the IDR application a second time. 
After that, a supervisor on XX/XX/year> instructed me to resubmit a third IDR application, telling me the previous one would not lead to the lowest payment. To go back in and apply for PAYE.

Now, Im being told that the first application would have been the correct one, and I may need to undo or resubmit again.

At no point was I given consistent or written confirmation of which application was being processed, or which would yield the most affordable monthly payment. I am now caught in a loop of conflicting instructions, and my IDR status remains unresolved weeks later.

This is causing : Unnecessary delays in processing Uncertainty about my repayment start date Potential placement into a higher monthly payment plan due to poor guidance I am requesting a formal investigation and : 1. Confirmation of which IDR application is currently active.

2. Clarification of which plan I am being placed into and my expected monthly payment.

3. A review of Aidvantages handling of my case and accountability for the confusion and delays.

This has caused considerable stress and may lead to financial hardship due to mismanagement by the loan servicer.

Sincerely,

Company response to consumer: Closed with explanation