vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and also noticed that I had fraudulent activity accounts on my report. Please remove this account from my report, as it is hurting my ability to obtain credit.

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 2025-07-16 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: MA

Complaint narrative:
My XXXXXXXX XXXX  is reporting late payments in accurately on all on all 3 of my reports. I have not payed late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
My XXXX XXXX  is reporting late payments in accurately on all on all 3 of my reports. I have not payed late on this account.

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 2025-07-16 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning the reporting of a repossession account by Consumer Portfolio Services ( CPS ). The repossession is listed with a date of XX/XX/year>, and a credit report entry dated XX/XX/year>. After reviewing this tradeline, I have identified multiple violations of the XXXX XXXX reporting guidelines and FCRA requirements. 

XXXX XXXX Compliance Violations Under the XXXX XXXX XXXX XXXX ( XXXX ) the official implementation guide for XXXX XXXX reportingfurnishers are required to : * Report accounts accurately and consistently using standardized codes ( including Account Status, Special Comment Codes, Payment Rating, and Consumer Information Indicator ). 
* Accurately report the Date of First Delinquency ( DOFD ) as required by FCRA 623 ( a ) ( 5 ).

* Avoid using conflicting or incompatible status codes ( e.g., simultaneously showing a charge-off, repossession, and open balance without a deficiency balance disclosure ). 
* Properly close the account following repossession, with appropriate Account Status Code 96 ( " Repossession '' ) or Code 97 ( Charge-Off ), and update Compliance Condition Code ( CCC ) to reflect the legal dispute if applicable. 
The XXXX tradeline, as it currently appears, appears to violate several XXXX XXXX fields, including ( but not limited to ) : * Inaccurate Account Status or Special Comment codes * Missing or misreported DOFD * Incorrectly reported balance after repossession * Failure to mark the account as " Disputed by Consumer '' per FCRA 623 ( a ) ( 3 ) 2. FCRA Violations Inaccurate, Incomplete, and Misleading Reporting Any data that does not adhere to XXXX XXXX standards is, by definition, inaccurate and/or misleading, and violates : * FCRA 1681e ( b ) Duty to maintain maximum possible accuracy * FCRA 1681s-2 ( b ) Furnishers ' duty to correct and update information * FCRA 1681i Your duty to investigate disputes of incomplete or inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-16 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 XXXX. XXXX, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I am disputing the accuracy of the information being reported by Security Credit Services LLC and their legal representatives XXXX XXXX XXXX XXXX. The account in question is associated with a charged-off debt from XXXX XXXX XXXX XXXX which was closed on XX/XX/year>. 

I have filed formal certified disputes and requested validation of the alleged balance. The reported balance is inflated and inaccurate. I have received no proper validation, and the reporting continues to harm me financially. 

I am also currently in active litigation regarding this matter in XXXX XXXX XXXX XXXX XXXX # XXXX. The debt is being disputed as invalid, and I have submitted evidence, including proof of business activity during the time the account was allegedly opened, and my invocation of the arbitration clause in the original contract. 

I have sent all relevant parties certified mail outlining my position, and yet Security Credit Services continues to report the account inaccurately and refuses to validate the balance. I am requesting the CFPB investigate this matter, instruct the company to delete or correct the tradeline, and hold them accountable for any violations of the FCRA, FDCPA, and XXXXXXXX UCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. These inaccuracies are highly injurious to my credit rating. 



Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention is greatly appreciated. 

XXXX XXXX XXXXXXXX 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 2025-07-16 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: MO

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. These inaccuracies are highly injurious to my credit rating. 



Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention is greatly appreciated. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I have just consolidated my loan with Aidvantage and received notification that my consolidation has been approved. When I visited the Federal Student Aid website, I noticed that my consolidated loans were listed twice. My original amount before consolidation was {$39000.00}, which included all my loans. My loans were spousal joint loans, and I just recently separated. My loan amount is {$8800.00}, and my spouse covers the rest. The listed amount on the Federal Student website had been doubled. It included both the original amount and my separate amount. 
Total of all loans : XXXX Now separated ( my loan ) XXXX Spouse loans XXXX XXXX XXXX The website shows a total loan of {$48000.00} ( where they added a separate amount instead of subtracting my husband 's portion, and then listed my portion again ). 
I called Aidvantage, and they informed me to call Federal Student Aid. I called, and they informed me to call Aidvantage. No one is correcting this problem. I am unable to apply for the payment plan IDR or PSLF because the loan amount listed on the Federal website is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and as a result, multiple accounts and inquiries have been added to my credit file that I did not authorize or apply for. 

Attached to this letter is a document listing the specific accounts and inquiries I am disputing. I have also included a copy of the identity theft report I filed with the Federal Trade Commission ( FTC ), in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, I request that these items be blocked and deleted from my credit report as they are the result of identity theft. I respectfully ask that you take immediate action to ensure my credit report reflects only accurate and authorized information. 

Please confirm in writing once the fraudulent information has been removed. If you require any additional documentation, feel free to contact me at the information listed below. 

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 explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDIT ACCEPTANCE CO, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account CREDIT ACCEPTANCE CO as soon as possible from my report or I will have to take legal action.

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 monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Notified on XX/XX/year> that would be receiving refund in excess of {$9400.00} for overpayment of loan. Was told that Dept of Treasury would receive info. 

Contacted Treasury several times, no word from Mohela. Credit reports still showing outstanding loans. Sent Mohela messages and calls several times with last being week of XX/XX/year>. No return communication. 

I'm owed $ XXXX and nobody is communicating, my credit report isn't being updated, and numerous other people are stating similar circumstances. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I am filing this complaint because my Experian credit report contains inaccurate and conflicting information about an account with Santander Bank XXXX. 

Specifically : The account shows it was charged off in XX/XX/XXXX, yet the last payment date is listed as XX/XX/XXXX, which is impossible. 
The balance details are inconsistent : {$33000.00} is reported as written off on an original balance of {$31000.00}, with a past due amount of {$21000.00} still reported. 
The payment history reports multiple late payments after the account was charged off and closed, which violates FCRA reporting guidelines. 

I formally disputed these errors with Experian, but they did not provide verifiable documentation. This false information has harmed my credit score, caused denials of credit, and created undue stress. 

I request that the CFPB investigate this matter and compel Experian and Santander Bank XXXX to verify the account fully or remove the inaccurate charge-off, balance, and payment history. I also request an updated copy of my corrected credit report. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) because : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

FCRA 611 [ 15 U.S.C. 1681i ] gives me the right to dispute inaccurate or unverifiable information, and the CRA must remove it if the furnisher can not verify it.

FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ] requires furnishers to promptly correct and update any information that is determined to be inaccurate or incomplete.

Experian failed to maintain maximum possible accuracy and did not properly verify the disputed account. The inaccurate charge-off, conflicting dates, and impossible payment history remain on my report, harming my credit and violating these sections of the FCRA.

Company response to consumer: Closed with non-monetary relief