vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-21 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: CA

Complaint narrative:
Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of 0 as shown by such filed 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I informed XXXX as well as all XXXX  bureaus that the account with XXXX was fraud I made a police report as well tried to dispute it but nothing happen.

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 2025-07-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I informed XXXX as well as all XXXX  bureaus that the account with XXXX was fraud I made a police report as well tried to dispute it but nothing happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I informed XXXX as well as all XXXX bureaus that the account with XXXX was fraud I made a police report as well tried to dispute it but nothing happen.

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 2025-07-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Formal Dispute of Inaccurate Student Loan Reporting Under the FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and damaging information being reported on my credit file concerning my student loans. After carefully reviewing my credit report, I have identified information regarding these loans that is inaccurate, incomplete, or unverifiable. These reporting errors are negatively impacting my credit score, reputation, and ability to obtain new lines of credit or favorable lending terms. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e, credit reporting agencies are required to maintain the maximum possible accuracy of consumer reports. When a consumer notifies a credit bureau of a dispute, you are required by law to investigate the disputed information, verify its accuracy, or remove it from the credit report. If the information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly. 
In this case, the student loan data being furnished is not only inaccurate but also materially misleading. This includes, but is not limited to : Incorrect account statuses Inaccurate payment histories Duplicate loan entries Incorrect balances or dates This reporting has already caused substantial harm to my creditworthiness, including denial of credit and higher interest rates. If these inaccurate entries are not corrected or removed from my credit file within the legally required time frame, I will pursue legal action for willful noncompliance with the FCRA. 
Please consider this my formal request for : An immediate investigation into the accuracy of the student loan information being reported. 
The removal or correction of all inaccurate or unverifiable entries. 
Written confirmation that this information has been updated or deleted. 
If you need any further documentation from me to facilitate your investigation, please notify me immediately. 
If this matter is not resolved, I am fully prepared to file a lawsuit against your agency for the ongoing harm caused by your failure to uphold your legal obligations under the FCRA. 
Sincerely, 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 2025-07-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
Today I will received an email from milestone MasterCard via Concora bank. I called them today to see why I was getting an email stating that I opened a new account. I spoke to a lady named XXXX and she stated that I needed to give her my address and it was not the address on file. I gave her XXXX other address that also was not on file so I reported this as theft of my information Because I never applied for a card nor would I have because I am buying a house in XXXX months and I dont want my credit to be dinged. I also have my Experian credit lock and credit freeze on so nobody can pull my credit without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have reached out multiple times via phone call, online chat, and email. I graduate XX/XX/XXXX and should be in the grace period for XXXX months after graduation, however they say I need to start paying in XXXX. I updated my in school form with my institution and submitted it. They still havent corrected anything and give me the run around anytime I try to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/year> closed my account because spoke with a lady about depositing money to buy a home. 

Contacted every month after that about receiving my money. Never received it. Went through years of law suits and never received my money even thought Suntrust said they would pay. Sent XXXX check for an amount but it was not all of it. Then continued to lie about sending it via wire but never received it. Then lied about sending a check but would misspell my name multiple times so I couldnt cash it.

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 2025-07-21 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: T.S. Holdings
State: FL

Complaint narrative:
I been disputing the validity of the debt reported to the credit bureaus under the names IQ DATA INTL INC, appearing on my credit reports. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX and XXXX, I demand the immediate removal of this account from all consumer reporting agencies and full validation of this alleged debt. I requested to Pursuant to XXXX XXXX Code XXXX ( b ), I requested complete validation including, but not limited to : XXXX. A copy of the original lease agreement with my signature. XXXX. A complete itemized breakdown of all charges. XXXX. Proof of ownership or assignment of this alleged debt. XXXX. A copy of any judgments ( if applicable ). XXXX. Proof that you are licensed to collect in my state. 

They failed to provide this information within XXXX days constitutes waiver of any claims and requires deletion from all credit reporting agencies. 

They continue reporting inaccurate or unverified information to credit reporting agencies, this constitutes a violation of : XXXX XXXX Code XXXX ( b ) ( duty to investigate disputes ) XXXX XXXX Code XXXX ( a ) ( reinvestigation requirement ) FACTA Section XXXX ( accuracy and integrity of data furnished to CRAs ) Requested all communication must be in writing only, which was also failed to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
You responded to case number # XXXX by saying, " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE, '' I have provided this information on more than XXXX occasions, along with supporting documentation, including my identification, FTC reports XXXX and detailed explanations. For your reference, here are the CFPB complaint numbers of the last XXXX cases : XXXX, XXXX, and XXXX. This matter pertains to XXXX XXXX XXXX ( XXXX ), Account XXXX. XXXX, with a disputed amount of {$4300.00}, originally submitted on XX/XX/year>. 

Specifically, I am requesting proof that this was investigated and verified. This is the second time I am asking for this information. You will need to show a contract, the payment history, the address and apartment number being collected and the date of delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Late Payment Marks Due to Federally Declared Natural Disasters ( XXXX XXXXXXXX & XXXX XXXX ) Dear GM Financial, I am writing to formally request the removal of late payment notations on my credit report associated with my GM Financial auto loan, due to financial hardship directly caused by XXXX XXXX ( XX/XX/year> ) and XXXX XXXXXXXX ( also a federally declared disaster in my region ). 
As a resident of XXXX XXXX, Florida, my household and community were significantly impacted by XXXX XXXX, which was declared a federal major disaster under the XXXX XXXX ( XXXX XXXX ). The aftermath of these hurricanes led to unexpected displacements, property loss, S c a n n e d with CS CamScanner and serious financial disruptions.

During this period, I experienced temporary financial hardship which resulted in some delayed payments on my auto loan. These were not a reflection of financial irresponsibility, but rather the direct result of federally recognized natural disasters. I respectfully ask that GM Financial consider removing the late payment entries from my credit report under these circumstances. 
I believe this request aligns with the XXXX of the Fair Credit Reporting Act ( FCRA ) and the CARES Act Section XXXX, which established that lenders should not report late payments for borrowers affected by disasters when accommodations or payment relief have been made or requested. While the CARES Act directly applied to the XXXX crisis, similar principles have been encouraged by both XXXX and the Consumer Financial Protection Bureau ( CFPB ) for victims of other federal disasters, like hurricanes. 
I have always made a sincere effort to stay current and honor my financial obligations, and I would be grateful for a goodwill adjustment in light of these exceptional circumstances. Please consider this request for payment history adjustment as a reflection of disaster hardship-not disregard of responsibility. 
Attached are : - Proof of my residency in XXXX XXXX, FL - XXXX disaster declaration for XXXX XXXX - My loan/account number : XXXX Thank you for your understanding and consideration. Please contact me at your earliest convenience if further information or documentation is needed. 
S c a n n e d with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CARS Acquisition, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/year> VIA CERTIFIED MAIL & EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : IMMEDIATE FORMAL NOTICE OF DISPUTE DEMAND FOR CORRECTIVE ACTION To Whom It May Concern : This letter serves as formal legal notice that your company has engaged in conduct that is not only egregiously unacceptable, but also in clear and direct violation of federal and state consumer protection statutes. I am placing you on immediate and irrevocable notice that I am disputing [ describe the issue briefly e.g., an unauthorized charge, a false credit report entry, a defective product, etc. ]. 

Let me be crystal clear : your actions constitute a blatant breach of consumer rights under applicable law, including but not limited to the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ), the Fair Debt Collection Practices Act, and/or the Magnuson-Moss Warranty Act, depending on the nature of your misconduct. This letter is being submitted to you in accordance with [ insert statute if applicable, e.g., 15 U.S.C. 1681i ( a ) ], and constitutes a formal demand for immediate corrective action. 

The Violations in Question : Date of Incident : [ Insert date ] Account/Reference Number : [ Insert number ] Summary of Violation : [ Provide brief but firm description e.g., On the aforementioned date, your company reported false derogatory information to the credit bureaus without proper investigation, due diligence, or legal justification. ] DEMAND FOR ACTION : You are hereby demanded to take the following actions within seven ( 7 ) calendar days of receipt of this notice : 1. Cease and desist from all further collection/reporting/communication related to the disputed matter. 
2. Immediately rectify and remove the offending item/information from all systems, including credit reporting bureaus if applicable. 
3. Issue a formal confirmation in writing to the undersigned confirming full compliance with the demands set forth herein. 
4. Provide a complete explanation of your companys records and actions taken thus far regarding this matter. 

Should you fail to fully comply within the time prescribed, I will have no hesitation whatsoever in escalating this matter to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or State Attorneys General, and will not hesitate to initiate civil litigation seeking full statutory, actual, and punitive damages along with attorneys fees for your unlawful actions, omissions, and failure to comply with your legal obligations. 

This is not a request it is a demand. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had made a purchase with my Citi Double Cash card at XXXX 's on XX/XX/XXXX for {$34.00}. I had purchased XXXX sandwiches ( Club Melt ). My partner and I became ill. I've attempted to resolve it via the merchant with no result. I've attempted to file a dispute with Citibank on XX/XX/XXXX and they advised I was unable to dispute this charge but no reason given. I attempted to refile it today to no avail. I do not know why I am unable to dispute this charge.

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 2025-07-21 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 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. 
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 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 2025-07-21 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: NJ

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. 
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 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 2025-07-21 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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