vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account. Remove this item immediately. Account name XXXX {$6000.00} Account Number XXXXXXXX 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( Acct # : XXXX ) on my TransUnion report. This account is allegedly related to an auto loan originated by XXXX XXXX XXXX, which I have confirmed was securitized and sold into a trust. 

Since the debt was securitized, XXXX XXXX has no legal ownership or collection rights and can not verify the debt. Additionally, XXXX is not reporting any account on TransUnion, meaning there is no original tradeline to validate XXXX  claim. 

Under FCRA 623 ( a ) ( 1 ) ( A ), XXXX is prohibited from reporting unverifiable or inaccurate information. The reporting of this collection without the original creditors tradeline, and without proof of legal standing constitutes a false, misleading, and damaging entry.

I request immediate deletion of this account from TransUnion and a formal investigation into XXXX XXXX reporting practices.

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 2025-08-06 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: TX

Complaint narrative:
I purchased XXXX XXXX from XXXX XXXX. I contacted them about needing readjustments to the XXXX  and never heard back until I received the email they were going bankrupt. My XXXX  were never fixed and their lifetime readjustment policy couldn't be met. Today I received an email letting me know my credit score dropped by over XXXX points due to a negative mark on my credit report. It came from a company called TEK-COLLECT INC . I didn't even know who the company was until I did a XXXX search and realized it was connected to XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I requested debt validation under the Fair Credit Reporting Act 15 USC 1681g and 15 USC 1681 ( a ) in writing to XXXX XXXX XXXX. They sent nothing providing proof of debt. After two months I called the company. I was told they are a Credit Reporting company, not a debt collector. Also they could not validate the debt, only verify. Two weeks I received a letter only to discover the use 3 different company names. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
Subject : Request for Removal of Paid Collection Account and Correction of Credit Reporting Errors by XXXX  To Whom It XXXX Concern, I am submitting this complaint regarding a paid collection account that continues to be inaccurately reported on my XXXX credit file. 

The account in question is : Creditor : XXXX XXXX XXXX Southwest Recovery Services Account # : XXXX Status : Paid in full Final payment made in XX/XX/year>, following prior settlement in XX/XX/year>. 

Despite the agreement to settle and delete this account, XXXX continues to report it with incorrect balances and refuses to remove it. I have : Contacted XXXX by phone Mailed written dispute letters Provided proof of payment and resolution Yet, XXXX has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) by not properly investigating and correcting this reporting error. 

I am requesting that the CFPB take immediate action to : XXXX. Enforce the deletion of this paid account from my XXXX credit file XXXX. Remove all inaccurate balance information XXXX. Ensure XXXX responds to consumer disputes in a compliant, timely, and accurate manner Please let me know if any additional documentation is needed. I appreciate your assistance in resolving this matter quickly and fairly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Im disputing inaccurate late payment reporting from Nelnet. XX/XX/year>2025 is marked as 90 days late ( code 3 ), but XX/XX/year>2025 is reported as on time ( code XXXX ). This timeline is impossible a 90-day delinquency in XXXX would require a 60-day delinquency in XXXX. 

When student loan servicing transitioned back to Nelnet, I ( like many borrowers ) experienced serious login issues and received no clear payment resumption notice. I only learned my loans were active again after my credit score dropped. Since then, Ive made 5 consecutive payments on autopay.

I submitted documentation showing I was in good standing through XX/XX/year>2025, but Equifax still accepted the 90-day mark, and Experian provided only a generic response. No one addressed the timeline contradiction.

Im requesting a reinvestigation and correction under the FCRA. This inaccurate delinquency is materially harming my ability to qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted experian several times about removing inaccurate informations from my credit report but nothing has been done. 

The below addresses needs to be deleted asap * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress ID # XXXXSingle family * XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ID XXXX XXXXSingle family * XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXXSingle family

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information on my credit report, I need dispute this error.

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 2025-08-06 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: VA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXXXXXX XXXX XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Finance Companies - non specific - Reporting Bureau : Unspecified - Company Phone : ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ). 


Complaint : ALLY FINANCIAL XXXX XXXX  Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by ALLY FINANCIAL XXXX XXXX  on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Auto Financing Companies - Reporting Bureau : XXXX  Complaint : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX XXXX XXXX XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Automobile Dealers, New - Reporting Bureau : XXXX  - Company Phone : ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ).

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately.

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by BARCLAYS BANK DELAWARE on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Finance Companies - non specific - Reporting Bureau : Unspecified - Company Phone : ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ). 


Complaint : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX XXXX XXXX XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Auto Financing Companies - Reporting Bureau : XXXX  Complaint : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX XXXX XXXX XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Automobile Dealers, New - Reporting Bureau : XXXX  - Company Phone : ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ).

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately. 






If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately.

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 2025-08-06 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: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief