vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: NJ

Complaint narrative:
To whom it may concern, I am writing to dispute the reporting of a 120-day late payment for my student loans. My mother has been dutifully paying the parent plus loans and we both believed those were the only student loans taken for my education. XXXX XXXX XXXX XXXX XXXX and this late payment has hit me in the worst time possible as it has destroyed my chances of owning a home just as i was planning to be a new homeowner. Im a hardworking citizen that was always on time with all payments before this. 


When I called XXXX XXXX and asked them why they were hitting me with these late payments even though my parent plus loan was being paid they told me i had another set of loans under my name for the same college. Me and my mother were both surprised because to our knowledge the parent plus loan was the only one. So I set up my XXXX XXXX  account and was able to get in and set up auto pay and the situation is now handled. 
This loan was previously under administrative forbearance during the federal student loan payment pause. I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had been due, or that the loan was no longer deferred. Up until this error my Credit Report has shown current payment even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to all of the violations, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-06-28 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: FL

Complaint narrative:
Due to all of the violations, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the reporting for the XXXX XXXX XXXX account ( Account Number : XXXX ). This account is currently being reported as a collection account with a past due balance of {$1000.00} as of XX/XX/. 

This information is inaccurate. The balance does not reflect the correct amount owed, and this account should not be reported as a collection. I am requesting that the item be thoroughly investigated, verified with proper documentation, and removed from my credit report if it can not be fully validated in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the reporting for the XXXX XXXX XXXX account ( Account Number : XXXX ). This account is currently being reported as a collection account with a past due balance of {$1000.00} as of XX/XX/. 

This information is inaccurate. The balance does not reflect the correct amount owed, and this account should not be reported as a collection. I am requesting that the item be thoroughly investigated, verified with proper documentation, and removed from my credit report if it can not be fully validated in compliance with 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX CFPB COMPLAINT SCORING SYSTEM FRAUD I am filing this complaint directly against Equifax for operating a rigged and manipulative credit scoring system based on faulty, secretive, and unjustifiable algorithms. Despite my clean record, low utilization, no recent delinquencies, and an upward credit trend, my Equifax score is being artificially suppressed and remains far below where it should be well over XXXX. 

Equifax 's scoring model is opaque, deceptive, and damaging. It disproportionately penalizes consumers for minor events or normal activity while failing to reward responsible credit behavior. There is no valid, transparent explanation as to how my score is calculated or why it remains lower than those reported by TransUnion and XXXX  despite the exact same data profile. This constitutes systemic negligence or intentional manipulation of credit profiles, causing direct harm and financial loss. 

Furthermore, Equifaxs monitoring tools and score simulators are misleading, inaccurate, and completely disconnected from the actual behavior of the score algorithm. This is a predatory system that punishes consumers unjustly and operates without any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an account listed under XXXX XXXX XXXX, Account Number : XXXX. This account is currently being reported as a charge-off in the amount of {$520.00} written off, with a past due balance of {$520.00} as of XX/XX/year>. 

I am requesting a thorough investigation into this account, as I believe the reporting may be inaccurate or incomplete. Please verify the validity and accuracy of this information with XXXX XXXX XXXX and update or remove the account as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an account listed under XXXX XXXX XXXX, Account Number : XXXX. This account is currently being reported as a charge-off in the amount of {$520.00} written off, with a past due balance of {$520.00} as of XX/XX/year>. 

I am requesting a thorough investigation into this account, as I believe the reporting may be inaccurate or incomplete. Please verify the validity and accuracy of this information with XXXX XXXX XXXX and update or remove the account as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to 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 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of a collection account listed under XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX. The account is being reported as a debt buyer collection, opened on XX/XX/XXXX, with a past due balance of {$140.00} as of XX/XX/XXXX. 

I do not recognize or acknowledge this debt and believe the information being reported is inaccurate. I am requesting full validation of the account. If the debt can not be verified with complete and original documentation from the original creditor, then under the Fair Credit Reporting Act ( FCRA ), this account must be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of a collection account listed under XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX. The account is being reported as a debt buyer collection, opened on XX/XX/XXXX, with a past due balance of {$140.00} as of XX/XX/XXXX. 

I do not recognize or acknowledge this debt and believe the information being reported is inaccurate. I am requesting full validation of the account. If the debt can not be verified with complete and original documentation from the original creditor, then under the Fair Credit Reporting Act ( FCRA ), this account must be removed from 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : XXXX XXXX  RE : Formal Demand for Correct Application of Loan Payments, Full Account Audit, and Request for Re-Amortization of Late Fees Account Number : XXXX To Whom It May Concern, This letter serves as a formal demand and notice of dispute concerning the misapplication of payments on the above-referenced loan account. I, XXXX XXXX, have identified irregularities indicating that payments made have not been properly applied in accordance with the original loan agreement. Specifically, payments appear to have been allocated to late fees and penalties before interest and principal, in violation of standard amortization practices and potentially in breach of federal lending regulations, including the Truth in Lending Act ( TILA ). 

Accordingly, I am demanding the following : 1. A complete and detailed audit of my loan account from inception to present, showing every payment received, how it was applied ( interest, principal, fees, etc. ), and the resulting balances.

2. That the full audit and corrected amortization schedule be mailed to my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. That any assessed late fees, penalties, or other charges be capitalized and deferred to the end of the loan term through proper re-amortization.

4. Written confirmation that future payments will be applied properly and in accordance with the original loan agreement and all applicable laws. 



If this matter is not resolved in full within fifteen ( 15 ) business days of your receipt of this letterincluding delivery of the requested auditI will consider this a continued breach of agreement and will have no choice but to pursue legal action against XXXXXXXX XXXX  for breach of contract, misrepresentation, and unfair lending practices. This will include filing a lawsuit and reporting the matter to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ), the Florida Office of Financial Regulation, and the Federal Trade Commission ( FTC ). 

This letter is submitted without waiver of any legal rights or remedies, all of which are fully reserved. 

Sincerely, XXXX XXXX XXXX XXXX Account Number : 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 2025-06-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 
The name XXXX is currently listed on this account, but that is not my name. Additionally, the email address associated with this account is not mine, nor did I provide consent for its use. 

I am requesting that you investigate this issue immediately, as this may involve unauthorized access or a misattributed account. Please advise on the next steps to correct the account information and ensure my personal data is secure.

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 2025-06-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 
The name XXXX is currently listed on this account, but that is not my name. Additionally, the email address associated with this account is not mine, nor did I provide consent for its use. 

I am requesting that you investigate this issue immediately, as this may involve unauthorized access or a misattributed account. Please advise on the next steps to correct the account information and ensure my personal data is secure.

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 2025-06-28 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-28 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a formal dispute to regarding inaccurate information on my credit report on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to reasonably investigate disputes within 30 days of receiving them. However, this bureau failed to comply in the following ways : They did not properly investigate the issue I raised or the supporting documents I provided. 

I received a generic response with no indication of an actual review. 

The inaccurate information remains on my report, and I was not provided with any detailed findings This conduct mirrors recent enforcement actions, such as : CFPB v. Experian ( XXXX ) : Failure to conduct real investigations into disputes. 

CFPB v. Equifax ( XXXX ) : Improper re-insertion of removed data and disregard for consumer evidence. 

XXXX XXXX XXXX XXXX ( XXXX ) : A 4th Circuit case confirming legal inaccuracy as grounds for FCRA claims. 

Due to this failure to properly investigate, I experienced : A lower credit score impacting my ability to qualify for financing. 

Lost opportunities with lenders and unnecessary delays in loan approvals.

Emotional distress from prolonged inaccuracy and non-responsiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AZ

Complaint narrative:
I submitted a formal dispute to regarding inaccurate information on my credit report on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to reasonably investigate disputes within 30 days of receiving them. However, this bureau failed to comply in the following ways : They did not properly investigate the issue I raised or the supporting documents I provided. 

I received a generic response with no indication of an actual review. 

The inaccurate information remains on my report, and I was not provided with any detailed findings This conduct mirrors recent enforcement actions, such as : CFPB v. Experian ( XXXX ) : Failure to conduct real investigations into disputes. 

CFPB v. Equifax ( XXXX ) : Improper re-insertion of removed data and disregard for consumer evidence. 

XXXX XXXX XXXX XXXX ( XXXX ) : A 4th Circuit case confirming legal inaccuracy as grounds for FCRA claims. 

Due to this failure to properly investigate, I experienced : A lower credit score impacting my ability to qualify for financing. 

Lost opportunities with lenders and unnecessary delays in loan approvals.

Emotional distress from prolonged inaccuracy and non-responsiveness.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is directly related to CFPB Complaint ID # XXXX ( submitted XX/XX/year> ), in which I reported identity theft regarding a compromised credit card tied to fraudulent Capital One account. Despite submitting a police report, Ive now received an email indicating that a new card was requested via phone call under that same account after it was changed after sending in Police Report. I did not authorize this or speak to anyone via phone call with Capital One about a new card the account is compromised. This raises serious concerns about Capital One 's response to identity theft and their failure to properly close or freeze the account. I will attach the email from Capital One saying I have called requesting a new card along with the police report of the card being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief