vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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:
I called and asked if the account was still opened to make a payment towards my line of credit and was told yes that I could and that the account was still opened. I paid {$420.00} for past payments due and my available credit was immediately ready to access, however, they updated to the credit bureaus that I was 60 days late and that my balance increased WAY OVER MY CREDIT LIMIT when it is paid DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I called and asked if the account was still opened to make a payment towards my line of credit and was told yes that I could and that the account was still opened. I paid {$420.00} for past payments due and my available credit was immediately ready to access, however, they updated to the credit bureaus that I was 60 days late and that my balance increased WAY OVER MY CREDIT LIMIT when it is paid DOWN.

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 2025-06-15 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: NY

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. Please have these remarks on credit report be removed and update the account as positive as agreed.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Experian regarding several inaccurate and/or unverifiable accounts on my credit report. Experian responded only with a request to verify my identity. I promptly submitted both a valid drivers license and utility bill, which satisfied their request for identification. 

Despite providing my documents and following the dispute process properly under the Fair Credit Reporting Act ( FCRA ), Experian has failed to conduct a reasonable investigation or remove the accounts that are inaccurate, incomplete, and/or unverifiable. 

I am specifically disputing the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged Off {$7900.00} These entries continue to appear on my report without proper validation or documentation, in violation of the FCRA and, in cases where third-party collection is involved, the FDCPA. 



Laws Violated : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Continued reporting of unverifiable information 15 U.S.C. 1692g ( b ) ( FDCPA ) Failure of data furnisher to validate debt before 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 2025-06-15 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-06-15 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: MS

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Date : XX/XX/year> Subject : Credit Report Dispute Under FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ) ) To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided on XX/XX/year>, under the name XXXX XXXX XXXX. The following accounts include information that I believe to be either incomplete, outdated, unverifiable, or inaccurate, and I am requesting their immediate investigation and correction or removal, in compliance with the Fair Credit Reporting Act : XXXX. XXXX Account - Account Number Ending in XXXX This account shows late payments reported for early XXXX, but no verification has been provided to substantiate the validity of these delinquencies. 
I dispute the reported past due amounts and the payment history shown for XXXX, which I believe to be inaccurate or outdated. 

XXXX XXXX  Account Number Ending in XXXX This account reflects a charge-off status and shows multiple late payments. 
As per my records, I have never received proper validation or notification as required, and I am requesting proof of debt ownership and payment history. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX in XXXX This account lists a collection status with a balance of {$800.00}, which I dispute in full. 
I request that you verify the original creditors documentation to support this claim or remove it per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Under 15 U.S.C. 1681e ( b ), you are required to ensure that all information furnished is accurate and up to date. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified within the required 30-day period must be deleted from my credit file. 

Please investigate these matters and provide me with written confirmation of your findings. If you are unable to verify the accuracy of the information, I request that it be removed immediately from my credit file. 

Please confirm receipt of this dispute and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In early XX/XX/year>, I canceled a rental with XXXX XXXX before moving in or signing a lease. I had a phone call with their leasing office on XX/XX/XXXX, which they acknowledged in writing via email ( attached ). They stated I would be charged a fee equal to XXXX months rent per their policy, despite the fact that I never took possession of the apartment or signed a lease agreement. 

I later received written confirmation from their team asking for a formal cancellation, and again, they acknowledged my decision to cancel and offered to arrange a payment plan for the charge. I disputed this charge on my credit reports as I believe this is an attempt to collect on a debt that is not valid under the circumstances. 

Despite this, a debt collection agency ( XXXX XXXX ) is now attempting to collect this debt, and has reported it to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: LA

Complaint narrative:
I submitted a formal written dispute to Experian requesting the deletion of XXXX specific account types from my credit file : XXXX ) a XXXX XXXX XXXX charge-off, XXXX ) a XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) all federal student loan accounts. The XXXX XXXX and XXXX XXXX accounts are both being inaccurately reported with a charge-off status and a past-due balance simultaneously, which is a material contradiction under the FCRA and XXXX XXXX XXXX standards XXXX Once an account is charged off, the balance shall be updated to zero, and no past due amount may legally be reported- this is a direct violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure information is reported with maximum possible accuracy. Despite explicitly citing this law and outlining these violations in my dispute, Experian failed to conduct an appropriate reinvestigation under FCRA 1681i ( a ) and instead forwarded the dispute to the data furnishers, who verified the accounts without addressing the legal inconsistencies. Experian then upheld the inaccurate information based solely on that unverifiable response. 

I also requested the removal of all federal student loan tradelines reported on my Experian file. While these loans are not delinquent, I do not consent to their ongoing presence on my credit report and am asserting my privacy rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the FCRA. As a consumer, I have a legal right to control the information furnished in my credit file when it is not required by law and does not reflect derogatory data. Lastly, I requested the deletion of all outdated addresses and phone numbers from my file to ensure only my current personal information remains. Experian failed to honor that request as well. The agencys failure to correct or remove the inaccurate and unauthorized information constitutes willful noncompliance with multiple provisions of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I called transworld debt collection agency on XX/XX/XXXX at around XXXX to dispute a collection that was posted on my credit report the same day I gave my name and email and date of birth and refused to give my whole social for security purposes and was told I cant be helped or further assisted unless I give my full social security number. I requested to give my last XXXX but was still denied access to a account thats showing on my credit report. I have no knowledge of any new accounts and any other accounts was reported as fraudulent to the police department of XXXX in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I was over my credit balance BUT paid my balances down ON XX/XX/year>. It took them nearly two weeks to allow that available credit to be available because they stated it was unusual activity. My available balance finally updated after three weeks, however, the information that my credit cards ARE NO LONGER OVER THE LIMIT has yet to be updated to the credit bureaus and it is hurting my credit score. 

My XXXX XXXX XXXX XXXX  has a credit limit of {$1000.00} and an available credit limit of {$720.00}. 

My XXXX XXXX XXXX XXXX has a credit limit of {$800.00} and an available credit limit of {$400.00}. 

It is still showing me as using ALL OF MY AVAILABLE LIMIT which continues to keep my usage high on my credit report.

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 2025-06-15 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:
I was over my credit balance BUT paid my balances down ON XX/XX/2025. It took them nearly two weeks to allow that available credit to be available because they stated it was unusual activity. My available balance finally updated after three weeks, however, the information that my credit cards ARE NO LONGER OVER THE LIMIT has yet to be updated to the credit bureaus and it is hurting my credit score. 

My XXXX XXXX XXXX card has a credit limit of {$1000.00} and an available credit limit of {$720.00}. 

My XXXX XXXX XXXX XXXX  has a credit limit of {$800.00} and an available credit limit of {$400.00}. 

It is still showing me as using ALL OF MY AVAILABLE LIMIT which continues to keep my usage high on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
I was over my credit balance BUT paid my balances down ON XX/XX/year>. It took them nearly two weeks to allow that available credit to be available because they stated it was unusual activity. My available balance finally updated after three weeks, however, the information that my credit cards ARE NO LONGER OVER THE LIMIT has yet to be updated to the credit bureaus and it is hurting my credit score. 

My XXXX XXXX XXXX  card has a credit limit of {$1000.00} and an available credit limit of {$720.00}. 

My XXXX XXXX XXXX XXXX  has a credit limit of {$800.00} and an available credit limit of {$400.00}. 

It is still showing me as using ALL OF MY AVAILABLE LIMIT which continues to keep my usage high on my credit report.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
I refinanced my home in XX/XX/year> after being contacted regarding my eligibility for refinancing, as FHA guidelines require lenders to notify homeowners every six months. We successfully closed the refinance that month. 

On XX/XX/year>, I received a letter stating that my loan was being transferred to a new servicer, XXXXXXXX XXXX. I immediately contacted both the original lender and XXXXXXXX XXXX  and both companies confirmed the transfer. I was told to wait for my new payment instructions from the new servicer. 

Over the next several weeks, I followed up multiple times I called at least seven times to both lenders, and each time they confirmed that my loan was indeed in transfer and to hold off on sending payments until I received official instructions.

As a first-time homebuyer, I was very concerned about falling behind. After nearly three months with no payment portal or clear direction, I proactively mailed a check to XXXXXXXX XXXX just to avoid missing any payment. 

Despite my efforts and repeated confirmations from both lenders, a late payment was reported to the credit bureaus. This has negatively impacted my credit, and when I reached out to resolve the issue, I was transferred repeatedly and told someone was assigned to my case but no one followed up. The person eventually assigned showed no interest in helping, and I was extremely frustrated and disappointed with the treatment I received. 

I have copies of all documentation, including the servicing transfer letter and records of my calls and payment attempts. Ive also filed a complaint with the Consumer Financial Protection Bureau, but so far, the issue has not been resolved. 

Im sharing this not only to request correction and resolution, but to highlight how first-time homebuyers are often misled and taken advantage of during servicer transfers. I hope this statement helps clarify my situation and encourages a fair review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-15 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:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an AMEX gift card and can not use it anywhere. I have had the card over a month and all transactions decline or return. Most merchants ask for a zip code when making purchases online or in gas stations. I contacted American Express and they said it does not have a zip code attached to it. Therefore I can not use it at those places. I asked for a refund instead and they would not refund me, even after dealing with a supervisor. I called the store where I purchased it and tried to get a refund from them, but they stated gift cards are not refundable. The manager did mention that specifically the AMEX gift cards can not be used at most places. Im not sure why they wouldnt disclose this at the register during check out, especially if they have been getting complaints. This card is sitting here useless and really should be banned from being sold altogether. It has put me in a bind because that is {$450.00} down the drain. Please help me! : (

Company response to consumer: Closed with explanation