vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
After completing a FHA cov19 relief plan in XXXX, a modification was done where the 3 forbearance payments and some escrow was added to the back of the loan as a second mortgage. On XX/XX/XXXX XXXX reported negatively to credit burearu on the modification. Since this was a proactive modifications and no missed payments under loss mitigation program, the lenders credit reporting policy is to report as Current, PAID AS AGREED. Also there have been repeated calls to XXXX for title fees that XXXX is requesting the homeowner to pay for XXXX dollars. Since this was federal relief program those title fees should be covered by the lender or waived.

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights 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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MN

Complaint narrative:
To Whom It May Concern : I am writing to report a serious issue regarding inaccurate credit reporting by XXXX that requires immediate correction. Today, XXXX incorrectly reported XXXX of my loans as 120 days late to the credit bureaus, even though all of my loans are currently in forbearance. This follows a previous incident where my loans were incorrectly marked as 90 days late after being placed in forbearance. 
To provide some background, I applied for the XXXX program on XX/XX/XXXX. XXXX repeatedly instructed me not to make any payments, as my loans would be placed into forbearance. I was informed that the only reason for any delay in updating the forbearance status was the slow processing of applications. After contacting XXXX again on XX/XX/XXXX, to inquire about the status of my loan forbearance, I received a letter from XXXX on XX/XX/XXXX, confirming that my loans were in forbearance and that no payments were due. However, on XX/XX/XXXX, XXXX reported all my loans as 90 days late to the credit bureaus, despite my account showing that nothing was due. 
On Wednesday, XX/XX/XXXX, I spent nearly XXXX hours on hold to speak with XXXX XXXX customer service representatives. Each representative assured me that these negative credit reports would be reversed and that my loans were indeed in forbearance. They also assured me that there would be no further negative credit reporting. I requested written confirmation of this, but was told that it would take XXXX to XXXX business days to receive any written confirmation. Additionally, I have not received any response to the numerous written communications I have sent through XXXX 's online portal since XX/XX/XXXX, beyond automated messages. In total, I have sent over XXXX email messages. 
Unfortunately, the initial negative credit reporting has not only persisted but has now escalated. As I mentioned previously, today, XX/XX/XXXX, XXXX reported XXXX of my loans to the credit bureaus as 120 days past due. As a result of XXXX 's inaccurate reporting, my credit score has significantly decreased by over XXXX points. I am currently in the process of leasing a commercial space for my business, and XXXX 's gross negligence has made it impossible for me to find a landlord willing to rent to me. 
I possess substantial evidence demonstrating that XXXX 's gross negligence has resulted in inaccurate negative credit reporting, causing me significant financial harm.

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 2025-04-12 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: MN

Complaint narrative:
To Whom It May Concern : I am writing to report a serious issue regarding inaccurate credit reporting by XXXX that requires immediate correction. Today, XXXX incorrectly reported XXXX of my loans as 120 days late to the credit bureaus, even though all of my loans are currently in forbearance. This follows a previous incident where my loans were incorrectly marked as 90 days late after being placed in forbearance. 
To provide some background, I applied for the XXXX program on XX/XX/XXXX. XXXX repeatedly instructed me not to make any payments, as my loans would be placed into forbearance. I was informed that the only reason for any delay in updating the forbearance status was the slow processing of applications. After contacting XXXX again on XX/XX/XXXX, to inquire about the status of my loan forbearance, I received a letter from XXXX on XX/XX/XXXX, confirming that my loans were in forbearance and that no payments were due. However, on XX/XX/XXXX, XXXX reported all my loans as 90 days late to the credit bureaus, despite my account showing that nothing was due. 
On Wednesday, XX/XX/XXXX, I spent nearly XXXX hours on hold to speak with XXXX XXXX customer service representatives. Each representative assured me that these negative credit reports would be reversed and that my loans were indeed in forbearance. They also assured me that there would be no further negative credit reporting. I requested written confirmation of this, but was told that it would take 5 to 10 business days to receive any written confirmation. Additionally, I have not received any response to the numerous written communications I have sent through XXXX 's online portal since XX/XX/XXXX, beyond automated messages. In total, I have sent over XXXX email messages. 
Unfortunately, the initial negative credit reporting has not only persisted but has now escalated. As I mentioned previously, today, XX/XX/XXXX, XXXX reported XXXX of my loans to the credit bureaus as 120 days past due. As a result of XXXX 's inaccurate reporting, my credit score has significantly decreased by over XXXX points. I am currently in the process of leasing a commercial space for my business, and XXXX 's gross negligence has made it impossible for me to find a landlord willing to rent to me. 
I possess substantial evidence demonstrating that XXXX 's gross negligence has resulted in inaccurate negative credit reporting, causing me significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MN

Complaint narrative:
To Whom It May Concern : I am writing to report a serious issue regarding inaccurate credit reporting by XXXX that requires immediate correction. Today, XXXX incorrectly reported XXXX of my loans as 120 days late to the credit bureaus, even though all of my loans are currently in forbearance. This follows a previous incident where my loans were incorrectly marked as 90 days late after being placed in forbearance. 
To provide some background, I applied for the XXXX program on XX/XX/XXXX. XXXX repeatedly instructed me not to make any payments, as my loans would be placed into forbearance. I was informed that the only reason for any delay in updating the forbearance status was the slow processing of applications. After contacting XXXX again on XX/XX/XXXX, to inquire about the status of my loan forbearance, I received a letter from XXXX on XX/XX/XXXX, confirming that my loans were in forbearance and that no payments were due. However, on XX/XX/XXXX, XXXX reported all my loans as 90 days late to the credit bureaus, despite my account showing that nothing was due. 
On Wednesday, XX/XX/XXXX, I spent nearly XXXX hours on hold to speak with XXXX XXXX customer service representatives. Each representative assured me that these negative credit reports would be reversed and that my loans were indeed in forbearance. They also assured me that there would be no further negative credit reporting. I requested written confirmation of this, but was told that it would take XXXX to XXXX business days to receive any written confirmation. Additionally, I have not received any response to the numerous written communications I have sent through XXXX 's online portal since XX/XX/XXXX, beyond automated messages. In total, I have sent over XXXX email messages. 
Unfortunately, the initial negative credit reporting has not only persisted but has now escalated. As I mentioned previously, today, XX/XX/XXXX, XXXX reported XXXX of my loans to the credit bureaus as 120 days past due. As a result of XXXX 's inaccurate reporting, my credit score has significantly decreased by over XXXX points. I am currently in the process of leasing a commercial space for my business, and XXXX 's gross negligence has made it impossible for me to find a landlord willing to rent to me. 
I possess substantial evidence demonstrating that XXXX 's gross negligence has resulted in inaccurate negative credit reporting, causing me significant financial harm.

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 2025-04-12 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-12 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: T.S. Holdings
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XXXX/XXXX/XXXX -- {$380.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$890.00} XXXX XXXX  # XXXX XXXX/XXXX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX  # XXXX XXXX/XXXX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX  # XXXX XXXX/XXXX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX  # XXXX XX/XX/XXXX -- {$470.00} XXXX  # XXXX XX/XX/XXXX -- {$750.00} XXXX  # XXXX XX/XX/XXXX -- {$930.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX  # XXXX XX/XX/XXXX -- {$480.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: I.C. System, Inc.
State: FL

Complaint narrative:
A collection account reported by I.C. System, Inc./ I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ). This account was added to my XXXX and XXXX credit reports in XX/XX/XXXX, with a reported balance of {$160.00}. The most recent update to the account was reported on XX/XX/XXXX. 

I have never received a bill, notice, or collection letter from either I.C. System or XXXX XXXX XXXX XXXX XXXX about this alleged debt. I was never given an opportunity to validate or dispute the debt before it was reported to the credit bureaus. Additionally, I.C. System is reporting this as a " collection/charge-off '', which is inaccurate and misleading. I have never gad a balance due or any business with this company. Also utility companies like XXXX do not issue credit in the traditional sense, and a charge-off designation is not appropriate in this context. 

The reporting agency has not provided any documentation verifying that this debt is valid or collectible. I believe this reporting violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), because the information is unverified, misleading, and was submitted without following the legally required validation process.

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 2025-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.

Under 15 USC 1681 section 602. States I have the right to privacy.

Under 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on it. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-04-12 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on it. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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.

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 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 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
So I gave XXXX as a down payment to dealership called XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California for a vehicle that I was financing with challenge financial services on XX/XX/year> my car payment was due on XX/XX/year>. I had to make an arrangements and asked for an extension on that car payment due to the timing of the pay periods that Im paid also going through a death in the family literally all in the same week so I called to make payment arrangements on Thursday XX/XX/year> an update my contact information they confirmed and said they would call me back with the verification and I didnt receive the call or welcome letter until the actual day Iwas supposed to pay the car payment. Come Saturday morning XX/XX/year> im alarmed by a XXXX XXXX  XXXX  towing my vehicle. I went outside to confront the driver of the tow truck and he said theyre taking your car. Its called a XXXX XXXX that I have to refinance the vehicle to call the dealership where I got it and go do paperwork so I was the little confused and wanted to gather my belongings from the vehicle as doing so the tow truck driver alert me saying that he just got off the phone with the dealership that I just need to go down there and talk to him and do some paperwork so a little while after I called the dealership the man who helped me from XXXX auto sales XXXX XXXX says to me he has no idea what XXXX talking about that I have to deal with the bank to call the bank. He has no involvement in this situation. I called the finance company and they say that the payment was late that that they dont wan na do business with me so now Im just confused. I dont have the vehicle no more and I cant get to work to provide for my family and Im left without XXXX down payment for the vehicle XXXX XXXX XXXX the XXXX auto sales refused to give me my down payment back. I just need help now. What do I do? How do I go about the situation?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
15 US CODE 1692 ( f ) 15 US CODE 1692 ( i ) Have not received my 1099C form.

Company response to consumer: Closed with explanation