vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I had signed up for a class at the XXXX XXXX XXXX  and subsequently dropped it before attending, as it was not set up for remote attendance as advertised. The XXXX charged me for the class and I kept challenging it. In the meantime, they turned the account over to XXXX XXXX XXXX ( XXXX ) for collections. I communicated my position with XXXX, but they put the collections on my credit report with all three agencies. Subsequently, by XXXX of XXXX, I did get the XXXX to acknowledge I did not take the course and that I should not pay for it. ( email included ) They made XXXX aware of this and XXXX reached out to the three credit agencies and stated that the collection account should be deleted altogether. Both XXXX  and XXXX  have deleted this from my record ( XXXX  of dispute available ) but Equifax continues to state it is a valid collection and that they have confirmed such with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-04 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
The company that my car loan is through is charging me a second interest on top of the interest that is already in with my loa

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 2025-11-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A FRAUDULENT AMERICAN EXPRESS CREDIT CARD WAS OPENED UNDER MY AND CHARGES WERTE MADE IN THE AMOUNT OF {$460000.00} AND PAYMENT WAS SENT FROM MY ACCOUNT, I TOOK THE NECESSARY ACTIONS TO REPORT IT. I FILLED A POLICE REPORT AND A THE FEDERAL TRADE COMMISSION AND REPORTED IT TO ALL THE 3 CREDIT BUREAUS. ALSO I HAVE AN OFFICIAL BANK LETTER FROM THE BANK MANAGER STATING THAT THERE WERE UNAUTHORIZED PAYMENTS MADE TO AMERICAN EXPRESS WITHOUT MY KNOWLEDGE AND CONSENT. THIS ALL TOOK PLACE BETWEEN XXXXXXXX XXXX XXXX XXXX XXXX AMERICAN EXPRESS FRAUD DEPARTMENT HAS THE PERSON NAME AND LAST NAME THAT COMMITTED THIS FRAUDULENT ACTIVITY AND STILL WON'T RESOLVE THIS ISSUE. AMERICAN EXPRESS FRAUD DEPARTMENT IS DISREGARDING THE EVIDENCE OF ALL THE DOCUMENTS THAT I AM PROVIDING. IT'S SO DISAPPOINTING THAT AMERICAN EXPRESS DO NOT HAVE THE CLIENTS BACK AND PROTECT US AGAINST FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CT

Complaint narrative:
I am submitting a complaint regarding inaccurate mortgage credit reporting by XXXX XXXXXXXX XXXX XXXX XXXX  ). I entered an approved HUD XXXX XXXX / loss-mitigation plan with XXXX in XX/XX/year>. My XX/XX/year> payment was made on time and in full prior to the plan. XXXX confirmed in writing that my XXXX, XXXX, and XXXX payments were included in the approved loss-mitigation program and that my next full payment would not be due until XX/XX/year>. 

As required by XXXX, I made two {$10.00} forbearance program paymentsone in XXXX and XXXX in XXXX part of the agreement, demonstrating compliance with all terms. I remained current and met every requirement of the program. 

Despite this, XXXX reported my loan as XXXX days late during the covered months and even reported late status before the end of each month. ( Example, XX/XX/year> credit reporting showed I was 30 days late on XX/XX/XXXX, which is mathematically impossible ). This just shows their careless nature with the well-being of others. 

After I disputed the reporting, additional derogatory marks were addedXXXX XXXX is also reporting my XXXX payment as late, despite proof it was paid and cleared on time. 

These actions resulted in significant credit harm including loss of more than XXXX points, credit-line reductions and loss of available credit from other lenders. This reporting is inaccurate under FCRA furnishing standards, as I was not delinquent under the terms of the approved agreement and XXXX acknowledged the covered months in writing. 

Additionally, XXXX locked my online account for the entire duration of the forbearance/workout period, preventing me from viewing my loan or making payments. I emailed XXXX multiple times requesting access and received no response. My account was only unlocked after the HUD partial claim finalized, at which point I immediately made the XXXX payment. I acted in good faith at all times ; XXXX prevented access to the payment portal. 

I am requesting that XXXX remove all inaccurate derogatory marks and update my mortgage history to show current during the loss-mitigation period, and correct the XXXX reporting to reflect the timely payment. Supporting documentation for all aspect 's is attached.

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 2025-11-04 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: CT

Complaint narrative:
I am submitting a complaint regarding inaccurate mortgage credit reporting by XXXX XXXX Mortgage ( XXXX ). I entered an approved HUD XXXX XXXX / loss-mitigation plan with XXXX in XX/XX/year>. My XX/XX/year> payment was made on time and in full prior to the plan. XXXX confirmed in writing that my XXXX, XXXX, and XXXX payments were included in the approved loss-mitigation program and that my next full payment would not be due until XX/XX/year>. 

As required by XXXX, I made two {$10.00} forbearance program paymentsone in XXXX and XXXX in XXXX part of the agreement, demonstrating compliance with all terms. I remained current and met every requirement of the program. 

Despite this, XXXX reported my loan as 30-60-90+ days late during the covered months and even reported late status before the end of each month. ( Example, XX/XX/year> credit reporting showed I was 30 days late on XX/XX/XXXX, which is mathematically impossible ). This just shows their careless nature with the well-being of others. 

After I disputed the reporting, additional derogatory marks were added. XXXX is also reporting my XXXX payment as late, despite proof it was paid and cleared on time. 

These actions resulted in significant credit harm including loss of more than XXXX points, credit-line reductions and loss of available credit from other lenders. This reporting is inaccurate under FCRA furnishing standards, as I was not delinquent under the terms of the approved agreement and XXXX acknowledged the covered months in writing. 

Additionally, XXXX locked my online account for the entire duration of the forbearance/workout period, preventing me from viewing my loan or making payments. I emailed XXXX multiple times requesting access and received no response. My account was only unlocked after the HUD partial claim finalized, at which point I immediately made the XXXX payment. I acted in good faith at all times ; XXXX prevented access to the payment portal. 

I am requesting that XXXX remove all inaccurate derogatory marks and update my mortgage history to show current during the loss-mitigation period, and correct the XXXX reporting to reflect the timely payment. Supporting documentation for all aspect 's is attached.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting that these collection entries be reviewed, and if they can not be confirmed as correct, they should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am disputing the accuracy of the following charged-off accounts reported by Experian. These accounts contain incorrect information regarding the account status, balances, and payment history. I request that these accounts be thoroughly investigated, and any inaccuracies be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged Off 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 XXXXXX/XX/XXXX, {$0.00} Inquiries : I am disputing the following inquiries listed on my credit report. Several of these inquiries appear to be unauthorized or linked to inaccurate information. I request that these inquiries be reviewed and removed if they do not comply with FCRA requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late Payment : I am disputing the late payment reported by XXXX XXXX. This entry is inaccurate and should be reviewed for potential removal due to discrepancies in the reporting. 

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 2025-11-04 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: GA

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 2025-11-04 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: IN

Complaint narrative:
These accounts are being reported in error and must be deleted under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously disputed these items with the credit reporting agencies, and it was reported that you verified them as valid. However, I have not received proper documentation proving the accuracy or ownership of these accounts.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-04 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a 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 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 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: PA

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. I am submitting this dispute under my federal rights in 15 USC 1681c-3 ( FCRA Section 605C ) and 15 USC 1681c-2 ( FCRA Section 605B ). The accounts and inquiries listed below did not originate from my own independent actions but were the result of coercion, control, and identity misuse connected to my XXXX situation. These items are causing continued financial and emotional harm. 

I am requesting the blocking and permanent removal of the following accounts : XXXX XXXX account ending XXXX balance XXXX XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXXXXXX account ending XXXX balance XXXX XXXX account ending XXXX balance XXXX I am also requesting removal of the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 USC 1681c-3 and 1681c-2, I have the right to have these items blocked and removed because they resulted from XXXX and identity misuse. I have provided documentation verifying my victim status and proof of identity. These items must be removed to prevent further harm and allow me to restore my financial stability and personal safety.

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