vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
Subject : Goodwill Adjustment Request for Late Payment Removal Account Number : XXXX Dear XXXX XXXX XXXX I hope this message finds you well. Im writing to respectfully request a goodwill adjustment concerning a late payment reported on my account with XXXX XXXX XXXX. 

I understand that I was late in making my payment on my account previously when my mortgage was with you'll, and I take full responsibility for this oversight. The delay was due to a temporary financial hardship due to medical issues. Since then, I have taken steps to ensure timely payments with my current mortgage company. 

I have been a loyal customer and have made consistent, on-time payments aside from this isolated instance. I value my relationship with your company and am committed to maintaining a positive financial history. 

I kindly ask that you consider removing the late payment from my credit report as a gesture of goodwill. I believe this adjustment would more accurately reflect my overall creditworthiness and commitment to repaying my debts responsibly. It'll help me be able to get another vehicle for my XXXX XXXX I to get around. 

Thank you for your time and consideration. I would greatly appreciate any assistance you can provide, and I look forward to continuing our positive relationship. 

Sincerely, 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 2025-07-02 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: Early Warning Services, LLC
State: GA

Complaint narrative:
i have has issues with identity theft previously and was given case number # XXXX with XXXX XXXX POLICE DEPARTMENT ON XX/XX/XXXX the fraud was committed beginning XX/XX/XXXX, a majority was XXXX  cards and XXXX  year of employment from someone using my social in XXXX working in NEW YORK, I went through all the appropriate measures to report things and just now XXXX  months later my credit is back on track. Since I am overly cautious now about pulling my credit i recently noticed several inquiries on XXXX, XXXX  & XXXX, I am attaching an XXXX sheet its a total of XXXX inquiries however I haven't applied for credit. While i was trying to get a preapproval I was denied and told that a company called EARLY WARNING XXXX  was the company used in the decision. I then contacted this company that I new XXXX of and was given a report that shows XXXX  accounts that are fraudulently opened and XXXX account specifically through XXXX  XXXX  that says FRAUD, I am assuming this is why i cant get any XXXX  cards or bank account is due to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-07-02 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: CA

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. ( NAME OF THE COMPANY ) 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 ( NAME OF THE COMPANY ) 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 2025-07-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX TransUnion P.O. XXXX XXXX, XXXX PA XXXX To Whom It XXXX Concern, I am writing to formally dispute several items on my credit report as potentially fraudulent and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. 

On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX that collects and stores sensitive consumer datasuffered a confirmed data breach, as filed with the Maine Attorney General XXXX XXXX. My full name, date of birth, Social Security number, driver license number, current and previous addresses, and other identifying data were part of the compromised information. 

Due to the extent of this breach, I have reason to believe that the following accounts and negative items on my credit report XXXX be the result of identity theft, unauthorized access, or improper reporting. Therefore, I request the following : - 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 account ( Comenity ) XXXX. XXXX XXXX of the accounts listed. 
XXXX. Removal of these items unless full verification can be produced showing I personally authorized and benefited from these debts. 
XXXX. Suspension or correction of any further adverse reporting related to these accounts. 
XXXX. Update me in writing on the progress and conclusion of your investigation. 

Please consider this notice a formal dispute and fraud-related identity theft alert. 

Enclosed : - Copy of my government-issued ID - Copy of the XXXX breach notification ( if available ) - Full credit report indicating disputed items Failure to comply XXXX result in additional legal and regulatory filings with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my state attorney general. 

Sincerely, 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 2025-07-02 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: NJ

Complaint narrative:
While reviewing my credit report, I noticed TransUnion is reporting a XXXX late payment for XX/XX/year> on XXXX account XXXX. This is incorrect. I have never missed a payment on this account and I always pay on time. This late mark is XXXX  and does not reflect my actual payment history. It needs to be fixed immediately. TransUnion is violating XXXX XXXX XXXX ( b ), which requires them to ensure the maximum possible accuracy of the information they report. This also raises concerns under XXXX XXXX XXXX ( XXXX ), as inaccurate information is being shared without a valid basis and against my privacy rights. I am not requesting deletion of the account. I am demanding the correction of the payment history. This is my second formal dispute. I have kept records and consulted legal counsel. If TransUnion continues to report this incorrect late payment, it will be considered negligent and willful noncompliance under XXXX XXXX XXXX and XXXX. I expect immediate correction. I have upheld my responsibility. TransUnion needs to uphold theirs.

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 2025-07-02 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: FL

Complaint narrative:
ACCOUNT PAID IN FULL CAN NOT BE DECLARED CHARGE OFF XXXX XXXX XXXX Account number 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 2025-07-02 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: FL

Complaint narrative:
ACCOUNT PAID IN FULL CAN NOT BE DECLARED CHARGE OFF XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-02 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: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXXTransunion\nP.O. Box 2000 \nXXXX XXXX XXXX\n\nTo Whom It May Concern,\nThis letter is a formal complaint that you are reporting inaccurate and incomplete credit information.\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.\nI demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.\nYour failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.\nI demand that the following account be verified or removed immediately:\n1.\tI was never late on this account.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXXnPlease remove this inaccurate information on my credit report.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove this inaccurate information on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove this inaccurate information on my credit report\n\n4XXXX XXXX XXXX XXXX XXXX XXXXnPlease remove this inaccurate information on my credit report\n\nIn addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional XXXX to my credit file.\nUnder federal law, you have XXXX  (XXXX) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  (XXXX) days of the completion of your re-investigation.\nThank you,\nXXXX 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 2025-07-02 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have private loans ( school ) serviced through FirstMark Services. The monthly payments are {$560.00} a month. My XXXX  loans are {$170.00} a month. This is too much and I can not afford it with other bills and a XXXX XXXX XXXX. I have tried to contact Firstmark services regarding my payments and they did not offer anything other than not paying for XXXX  months but then my monthly payments would have gone to over {$1000.00}. How does that make sense? I went to XXXX XXXX  for refinance options and there was nothing that would make payments lower. My principal balance has barely gone down in XXXX  years. I can not do it anymore and I need HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am a victim XXXX XXXX, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX CRED Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5300.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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