vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: MI

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MI

Complaint narrative:
on XX/XX/XXXX I filled a dispute with direct express for fraudulent activity I didn't commit and sent hospital records as proof. direct Express serupticuouly made what should of been ONe dispute 3 separate disputes I had to call 3 separate times to keep adding transactions they left off .which further prolonged my reversal I was credited for 2 of the 3 and a remaining balance of {$1400.00} is overdue from the 2 may deposits I received from social security.and then I ve been unable to use my funds or account this whole month of XXXX had no money for the holiday and was locked out by a ride representative they hang up on you and will cancel cards without permission. I m constantly being asked to verify my identity when I have successfully done that on phone then even with documents. I need my money and as soon as possible. they won't tell me anything and won't verify my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I made extra payments and the statement indicates that I have a credit but I can not get information from Nissan Finance because they say their agents are too busy to respond to calls, so they tell consumes to call back another day. How is this acceptable customer service from a major auto finance company? I want basic information and I'm informed that their agents are too busy to respond. This is unfair to consumers. CFPB needs to require Nissan Finance to have appropriate staffing to accept calls for basic information. The Chat bot also did not have the information I requested and gave me information I did not need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
In accordance to fair credit reporting act, this creditor has violated my rights, under 15 U.S.C 1681C, section 602 states I have the right to privacy, 15 U.S.C 1681 section 604A section 2, it also states that consumers reporting agency can not furnish an acct without my written instructions, under 15 U.S.C 1666b a creditor may not treat a payment on a credit card acct under and open and consumer credit plan as for ANY PURPOSE, please remove late payments from my credit file to paid as agree.

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 2025-07-07 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: OH

Complaint narrative:
In accordance to fair credit reporting act, this creditor has violated my rights, under 15 U.S.C 1681C, section 602 states I have the right to privacy, 15 U.S.C 1681 section 604A section 2, it also states that consumers reporting agency can not furnish an acct without my written instructions, under 15 U.S.C 1666b a creditor may not treat a payment on a credit card acct under and open and consumer credit plan as for ANY PURPOSE, please remove late payments from my credit file to paid as agree.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
This is my third formal escalation under the Fair Credit Reporting Act ( FCRA ) regarding Experians repeated violations and manipulation of data related to my closed auto loan from XXXXXXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Facts : The loan was paid in full The account was closed in XXXX Balance : {$0.00} Past Due : {$0.00} There has never been a single late payment No activity has occurred after closure What Experian did : Originally, the account was reported as : Payment Status : Repossession Voluntary Surrender While this was already misleading, since the loan was paid in full with no delinquencies, I submitted a formal dispute requesting removal of this misleading comment. Experian removed the " Voluntary Surrender '' note which was appropriate. However, instead of restoring accurate reporting, they fabricated a new derogatory status : Payment Status : Late 90 Days ( as of XX/XX/XXXX ) This is a completely false and baseless entry. As of XX/XX/XXXX : The account had been closed for years There was no outstanding balance No payments were missed No new activity occurred How other credit bureaus report this account : XXXX  : Status Current, no derogatory remarks XXXX XXXX  Closed or paid account / XXXX balance Auto Only Experian inserted a false 90-day delinquency and removed all context, deliberately misrepresenting my payment history and damaging my credit profile. Violations of Federal Law : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) : Failure to reinvestigate and correct inaccurate data FCRA 602 ( a ) ( 1 ) : Interfering with fair and equitable access to credit FCRA 623 ( b ) : Re-reporting false data after being notified through dispute Harm Caused : I am currently preparing to purchase a home. The false Late 90 Days status added by Experian is causing me direct financial harm, including : Higher interest rates on mortgage financing Loss of access to competitive credit offers Risk of outright denial from lenders due to fake derogatory reporting These are real consequences. Experian 's actions are unlawful, harmful, and violate the core intent of the FCRA : to ensure truthful, accurate, and fair credit reporting. What I am demanding : Immediate removal of the false Late 90 Days status Restoration of accurate information : Paid in full / Closed / {$0.00} balance / No derogatory history If Experian can not lawfully support or correct the reporting, then I demand permanent deletion of the entire account from my Experian credit file Written confirmation of all corrections and deletions Referral to the FTC and appropriate regulators for enforcement action and sanctions against Experian for repeated willful noncompliance

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a freeze on my Experian credit report. I have thawed this freeze, using Experians phone system. Online, Experian shows my report as " thawed '' or available for creditors to access. Yet, when my creditors ( 2 different creditors on 2 separate occasions ) try to access the report, they find that it is frozen ( and therefore not available ). There is no way to correct this issue via the online or phone system of Experian, and I have tried repeatedly to do so. Also, I have spent over 3 hours trying to get past the phone tree at Experian and speak with a human being so that I can get this issue resolved. The phone system hangs up on me every time it does not like what I say. If I say " May I please speak with a live agent? '' or many, many variations thereof, it simply loops back to the start point. What I really need is to have this issue resolved in a TIMELY manner. I am trying to buy a house, and this issue is standing in the way. 
The incredible power held by these private credit reporting agencies is frightening, given the lax oversight of their activities and behavior. They make all kinds of money reporting about people, yet treat those same people as if they are nothing but problems to be ignored. 
Please help!

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 2025-07-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 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: MO

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.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge student loan debt in full.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s-2, data furnishers and consumer reporting agencies have a legal obligation to report information that is complete and accurate. 

I am seeking legal advice and will sue XXXX for multiple consumer violations

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 2025-07-07 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have inquiries on my credit report that I did not authorize on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There is an address that I have tried to remove repeatedly and its not removed. I have never lived at that address. Incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
There is an address that I have tried to remove repeatedly and its not removed. I have never lived at that address. Incorrect

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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
ON XX/XX/year> I ATTEMPTED TO MAKE A PAYMENT FROM MY CHECKING ACCOUNT WITH SOFI FOR {$1400.00} TO THE XXXX XXXX XXXXXXXX FOR SOME TICKETS. THE TRANSACTION DECLINED, I GOT A TEXT TO MY NUMBER ASKING ME IF I AUTHORIZED THE CHARGE. BEFORE I COULD EVEN SELECT YES, THE MONEY WAS TAKEN FROM MY ACCOUNT. I VERIFED WITH THE XXXX XXXX XXXXXXXX IF THEY RECEIVED MY PAYMENT. THEY INFORMED ME THE TRANSACTION HAD DECLINED. IT HAS BEEN LIKE TRYING TO PROVIDE WATER TO PEOPLE IN XXXX, TO GET MY MONEY RELEASED FROM SOFI, EVEN AFTER PROVIDING DOCUMENTATION FROM THE XXXX XXXX XXXXXXXX WITH SCREENSHOTS OF THEIR MERCHANT DATABASE THAT I INDEED WAS NOT CHARGED THAT AMOUNT OF MONEY THAT SOFI IS HOLDING HOSTAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally address a violation found in my Equifax credit profile. I would like to highlight the case * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which established that failing to correct or delete inaccurate information after an investigation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

This complaint serves as a demand for the removal of the disputed account ending in XXXX by company XXXX XXXX XXXX XXXXXXXX XXXX XXXX. In accordance with the FCRA, specifically under 15 U.S. Code 1681s-2 ( b ) ( E ). if an item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly take one of the following actions : 1. Modify that item of information ; 2. Delete that item of information ; or 3. Permanently block the reporting of that item of information. 

As evidenced in the attached document from XXXX, the XXXX XXXX XXXX XXXX  account ending in XXXX has been deleted from my XXXX credit report following an investigation prompted by my dispute. Since the same furnisher is involved, it is unreasonable for Equifax to report differing information from what is shown on XXXXI request that the CFPB investigate this matter and ensure that Experian complies with the law by removing the inaccurate information from my credit profile. I also seek confirmation that appropriate actions have been taken regarding this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
When speaking to XXXX XXXX a supervisor at Credence Resource Management at XXXX XX/XX/XXXX XXXX central time. 
On the phone I informed him I wanted to make a dispute because I did not believe that this should have been placed on Collections and that the company had made a mistake. XXXX XXXX then proceeded to tell me that he is informing me along the lines of, " XXXX XXXXXXXX you had this account and the charges are valid you used the services and it will come back as valid '' I asked if he was refusing to file the dispute because I would contact the XXXX XXXX to report them. He then said oh I can accept your dispute. It sounded like he changed his response based on what I had said to him about reporting. He then suddenly said that the dispute has been filed and that they will contact me regarding the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
I owed a debt to XXXX XXXX that was given to Lloyd and McDaniel. I was notified of the debt in time to set up a payment arrangement. I set the payment arrangement and was told I did it in a timely manner, but was still garnished. So I was being garnished and also making payments to the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
This morning, when I reviewed my credit report as part of my routine, I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the errors remained. Given this situation, I kindly request that the documents I provided be carefully reviewed so I dont have to deal with this concern again.

Company response to consumer: Closed with explanation