vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX must immediately provide documentation showing I authorized this inquiry. If they are unable to do so, it must be removed as it is inaccurate, misleading, and in clear violation of federal law. The burden is on XXXX  to ensure that inquiries are not added to my file recklessly or due to compromised consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of inaccurate or fraudulent information from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c2 ].

I am a victim of identity theft. After reviewing my credit report dated [ Insert Report Date ], I noticed numerous inaccuracies and inconsistent data across all three credit bureaus. These discrepancies include : Inconsistent names, addresses, and account reporting across bureaus.

Accounts with late payments, charge-offs, or activity I do not recognize or authorize.

Data reported differently by each credit agency for the same account.

Fraud alerts already filed with TransUnion and Experian.

Per FCRA 605B, I am requesting that the following items be blocked from my credit report as they resulted from identity theft and do not belong to me : [ List suspicious account names, numbers ( last 4 digits ), and reporting agency if known e.g., XXXX XXXX XXXX ( Experian ) XXXX XXXX ( varies across agencies ) XXXX XXXXXXXX XXXX ( TransUnion vs. Equifax ) XXXX XXXX XXXXXXXX ( missing from Equifax ) ] Enclosures included for this request : 1. A copy of my valid government-issued photo ID.

2. Proof of current address ( e.g., utility bill or lease ).

3. A copy of the Identity Theft Report filed with [ Police Dept/ FTC ], dated [ Insert Date ].

4. This written statement confirming the disputed items are the result of identity theft.

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 2025-05-01 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Valon Technologies, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, we were transferred from our loan officer to our processor. We were upfront about our closing date of XX/XX/XXXX, and we were told that this should not be any problem. Several times throughout the ensuing weeks, we were asked for information or documents we had already provided, and yet we were still told XX/XX/XXXX was appropriate. Once, we were told to submit a document to keep things going, only later we were told that this document was invalid, and we would need to do something else. On XX/XX/XXXX, the processor informed me that they would may not be ready by XX/XX/XXXX due to someone in Valons office being out of work due to personal reasons. This lead to a delay on our closing, and because of our circumstances ( supposed to move in the same day, had XXXX kids with us, and already left our old house ), lead to over {$600.00} in additional costs incurred ( {$670.00} not including per diem costs ), in addition to stress. Valon is unwilling to accept responsibility despite telling us that they were unable to process on time due to a personal situation of one of their own employees. They state there are recordings of all phone calls, and this was mentioned in a phone call. They did not refute this claim, only said they would not help us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report, which contains inaccurate and misleading information in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the account in question reports a XXXX late payment in XX/XX/XXXX, while the payment history for XX/XX/XXXX is marked OK, and no prior XXXX or XXXX late payment is shown. This is factually incorrect, logically impossible, and constitutes materially misleading reporting under federal law. 

XXXX. XXXX XXXX XXXX/NELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX. XXXX XXXX XXXXNELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX. XXXX XXXX XXXX/NELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX. XXXX XXXX XXXXNELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX. XXXX XXXX XXXX/NELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX. XXXX XXXX XXXX/NELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX. XXXX XXXX XXXXNELNET XXXX XXXX inaccurate late payment reporting, duplicate account number ] XXXX XXXX XXXX/NELNET XXXX [ inaccurate late payment reporting, duplicate account number ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am writing to formally file a complaint concerning a breach of my educational records under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Privacy Act of 1974, 5 U.S.C. 552a.

I am filing a complaint regarding a potential unauthorized disclosure and mishandling of my federal student loan records.

I originally had student loans serviced by XXXX, but my current credit reports show conflicting information Aidvantage appears as the servicer on one report, while XXXX remains on another. I was never notified of a transfer, and neither servicer nor the Department of Education has provided proof of the original creditor, servicing transfer, or borrower consent, which may violate both FERPA ( 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

Additionally, this account is reporting derogatory information ( including [ late payments/default/status describe briefly if applicable ] ), and it is causing damage to my credit. Because the account is disputed, unverified, and was potentially mishandled, I am requesting : A full investigation Written verification of the account and all transfers Immediate removal of this negative item from all credit reporting agencies if the account can not be validated or was mishandled I am asking for this matter to be escalated, as it is impacting my financial standing and was mishandled without my 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 non-monetary relief
Consumer complaint received 2025-05-01 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:
I am writing to formally file a complaint concerning a breach of my educational records under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Privacy Act of 1974, 5 U.S.C. 552a.

I am filing a complaint regarding a potential unauthorized disclosure and mishandling of my federal student loan records.

I originally had student loans serviced by XXXX, but my current credit reports show conflicting information Aidvantage appears as the servicer on one report, while XXXX remains on another. I was never notified of a transfer, and neither servicer nor the Department of Education has provided proof of the original creditor, servicing transfer, or borrower consent, which may violate both FERPA ( 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

Additionally, this account is reporting derogatory information ( including [ late payments/default/status describe briefly if applicable ] ), and it is causing damage to my credit. Because the account is disputed, unverified, and was potentially mishandled, I am requesting : A full investigation Written verification of the account and all transfers Immediate removal of this negative item from all credit reporting agencies if the account can not be validated or was mishandled I am asking for this matter to be escalated, as it is impacting my financial standing and was mishandled without my 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 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
Account Colonial Auto Finance # XXXX XXXX has failed to provide me with a deficiency balance statement despite my multiple attempts to obtain it, including several phone calls. Under the Fair Credit Reporting Act ( FCRA ), they are required to furnish accurate and complete information, including the proper final sale details of any repossessed vehicle. Without providing this documentation, any report they have submitted to the credit bureaus is incomplete and therefore invalid. Since they have not disclosed the final sale information or the resulting balance, they are in violation of FCRA guidelines, and the negative account they ve reported must be removed from my credit report due to its inaccuracy and lack of substantiation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status 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 2025-05-01 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: TX

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status 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 non-monetary relief
Consumer complaint received 2025-05-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 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 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-01 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-05-01 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: IL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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