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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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The personal information on my credit report were outdated.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
b"I am filing this formal complaint against Experian Information Solutions, Inc. for their failure to respond to my dispute requests and for refusing to conduct a reasonable investigation, in violation of the Fair Credit Reporting Act (FCRA). Below, I outline the details of my complaint, including the specific issues, actions taken, and requested resolution.\nOn XXXX XXXX XXXX, I mailed a dispute letter to Experian via USPS Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX). The letter disputed inaccurate and incomplete information reported on my credit report for the following account:\nAccount: XXXX XXXX XXXX XXXX\nThe dispute highlighted the following discrepancies:\nThe Date of Last Payment is missing.\nThe Date Last Active is reported as XXXX, which creates an inconsistency in the account's activity.\nThe two-year payment history is completely absent, rendering the account unverifiable and incomplete.\nI have reason to believe this account was previously deleted from my credit report but was later reinserted without proper notice or evidence of reinvestigation, in violation of XXXX XXXX).\nTo support my dispute, I included all required documentation to verify my identity, as stipulated by the FCRA:\nA copy of my government-issued photo ID\nA copy of my Social Security card\nA recent utility bill showing my current address\nDespite my full compliance with FCRA guidelines, Experian failed to acknowledge or respond to my dispute, nor did they provide written results of any investigation within the required timeframe.\nOn XXXX XXXX XXXX, I mailed a second dispute letter to Experian, reiterating the same concerns and including the same identifying documents. Once again, Experian failed to respond or provide any resolution.\nViolations of the FCRA\nExperians actions, or lack thereof, constitute clear violations of my consumer rights under the FCRA, specifically:\nFailure to acknowledge my dispute within XXXX days, as required by XXXX XXXX).\nFailure to conduct a reasonable investigation of the disputed information, as required by XXXX XXXX).\nFailure to notify me of the reinsertion of previously deleted information, as required by XXXX XXXX.\nThese repeated failures have caused undue harm to my credit profile and have prevented me from resolving inaccuracies that may affect my financial opportunities."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts, inquiries and even late payments appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got an email from Bank of America that they wil close down my debit card with a {$2000.00} plus. I could request for a check sent to me but I have to call XXXX or XXXX. I talked to " XXXX '' from alabama & she was asking for my card account number or SSN. I gave my SSN to her. She was asking for my birthdate & that is when I noticed that she sounds like a scammer. Im afraid that they wil use my SSN to oopen up credits/loans without my authorization. Please help.

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 information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information being reported by your bureau concerning the following closed account : Creditor Name : XXXX XXXX  Status : Closed with 5 missed payments Reason for Dispute : Inaccurate, incomplete, and unverifiable derogatory reporting This entry is reporting five missed payments while the account is closed, which is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ). I am invoking my rights under 15 U.S. Code 1681i to request a full reinvestigation of this tradeline. 

If your bureau can not provide original, documented, and verifiable evidence from XXXX XXXX that proves the accuracy and completeness of these reported missed paymentsnot just automated data from third-party furnishers or e-OSCAR responsesthen under 1681i ( a ) ( 5 ) ( A ), you are required by federal law to permanently delete the information from my credit report. 

This negative reporting may also violate : 1681e ( b ) Duty to maintain maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) Requirement to reinvestigate disputed information 1681c ( a ) ( 4 ) Prohibition of reporting outdated negative information Please be aware that inaccurate or unverifiable data being reportedparticularly when the account is closed and no longer activeartificially damages my creditworthiness, and constitutes a serious legal issue under the FCRA.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information being reported by your bureau concerning the following closed account : Creditor Name : XXXX XXXX  Status : Closed with 5 missed payments Reason for Dispute : Inaccurate, incomplete, and unverifiable derogatory reporting This entry is reporting five missed payments while the account is closed, which is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ). I am invoking my rights under 15 U.S. Code 1681i to request a full reinvestigation of this tradeline. 

If your bureau can not provide original, documented, and verifiable evidence from XXXX XXXX that proves the accuracy and completeness of these reported missed paymentsnot just automated data from third-party furnishers or e-OSCAR responsesthen under 1681i ( a ) ( 5 ) ( A ), you are required by federal law to permanently delete the information from my credit report. 

This negative reporting may also violate : 1681e ( b ) Duty to maintain maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) Requirement to reinvestigate disputed information 1681c ( a ) ( 4 ) Prohibition of reporting outdated negative information Please be aware that inaccurate or unverifiable data being reportedparticularly when the account is closed and no longer activeartificially damages my creditworthiness, and constitutes a serious legal issue under the FCRA.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Disputed late payments and ownership of XXXX XXXXXXXX account that is not mine. Disputed collections that are 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Disputed late payments and ownership of XXXX XXXXXXXX account that is not mine. Disputed collections that are reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 2025-07-08 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: MD

Complaint narrative:
Subject : Formal CFPB Complaint XXXX  Account Needs Complete Correction To the Consumer Financial Protection Bureau, I am filing this complaint against Experian, XXXX, and TransUnion regarding the inaccurate and incomplete handling of the XXXX XXXX account on my credit report. 

Despite previous disputes, all three bureaus continue to show false late payments. Worse, instead of removing the errors, they have simply moved the late notations to different months. This is not a correctionits manipulation. 

Additionally, all three bureaus show blank or missing fields like credit usage, balance, monthly payment, and worst status. These 'ND ' or greyed-out areas make it impossible to understand the actual condition of the 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 2025-07-08 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: MD

Complaint narrative:
Subject : Formal CFPB Complaint XXXX  Account Needs Complete Correction To the Consumer Financial Protection Bureau, I am filing this complaint against Experian, XXXX, and TransUnion regarding the inaccurate and incomplete handling of the XXXX XXXX account on my credit report. 

Despite previous disputes, all three bureaus continue to show false late payments. Worse, instead of removing the errors, they have simply moved the late notations to different months. This is not a correctionits manipulation. 

Additionally, all three bureaus show blank or missing fields like credit usage, balance, monthly payment, and worst status. These 'ND ' or greyed-out areas make it impossible to understand the actual condition of the 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 non-monetary relief
Consumer complaint received 2025-07-08 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: MS

Complaint narrative:
I am writing as a follow-up to a previous dispute I submitted regarding unauthorized or inaccurate inquiries listed on my credit report. As of todays date, the disputed inquiries have not been removed or addressed appropriately. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I previously submitted a formal dispute, cXXXX 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 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 DATE : XX/XX/XXXX These inquiries are impacting my credit profile without my consent. I am requesting that your agency conduct a reinvestigation as required under FCRA Section 611 and remove any inquiries that can not be verified as authorized by me.

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: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Complaint Description : I am filing this complaint against Department of Education-Nelnet regarding a XXXX day late payments reported on my student loan account without proper notification and with a breach of my privacy. 

I was never notified of a missed paymentnot even a 30-day delinquencyby mail, phone, or email. After I contacted the servicer, I was told that email notifications had been sent to someone who is not affiliated with me and who does not live in my household.

This is a violation of my privacy and denied me the opportunity to address the issue before it was reported. I believe this constitutes : A violation of privacy protections under federal law Failure to provide legally required notice of delinquency Inaccurate and unfair credit reporting under the Fair Credit Reporting Act ( FCRA )

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 is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I was contacted by a debt collection agency regarding a $ XXXX charge tied to a XXXX XXXX XXXX  membership that I attempted to cancel months ago. I had moved and called multiple times to cancel the membership, but the gym never processed my cancellation. They did not inform me that it had to be done by email or in person. I stopped being billed after changing my card and assumed the cancellation had gone through. 

Under California Civil Code 1812.85, I believe it should be fully legal to cancel a gym membership by phone or in writing if I have moved more than XXXX miles from the facility. I have relocated far enough that I should qualify under this law, and I made good-faith attempts to cancel in a reasonable manner. 

The debt collector has refused to provide written validation of the debt, as required under the Fair Debt Collection Practices Act. I called multiple times over the course of two hours, and when I finally reached a supervisor, he hung up on me after I mentioned I was asserting my legal rights and possibly seeking legal advice. Since then, they have refused to provide any method of contact in writing or by email. 

I am disputing this debt and requesting a formal investigation. I believe the collectors behavior violates the FDCPA, and I should not be held liable for a membership I made multiple good-faith efforts to cancelespecially after relocating.

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: EQUIFAX, INC.
State: NC

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

1681c-2 ) that you, the Equifax Information Services , 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 : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief