vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-18 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:
I would like your assistance in removing unauthorized accounts from my credit record. I didnt initiate them and had no prior notice of their presence. According to USC 1681g, I ask that they be removed within 15 days. I have attached proof for your review.

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 2025-08-18 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: NJ

Complaint narrative:
EQUIFAX IS WILLFULLY REPORTING AN UNVERIFIABLE {$3300.00} COLLECTION ACCOUNT UNDER FALSE AND ALTERED NAMES, DISMISSING VALID DISPUTES WITHOUT LAWFUL VERIFICATION, AND ENABLING THE FURNISHER 'S MISCONDUCT IN VIOLATION OF THE FCRA AND FDCPA. 

Equifax is willfully reporting a {$3300.00} collection account under the false creditor name XXXX XXXX XXXX XXXX, even though the Metro 2 furnisher code confirms the furnisher is XXXX XXXX, a third party debt-collector. No assignment notice, validation, or dunning letter has ever been provided as required by the FDCPA ( 1692g ). During my active dispute, Equifax allowed the furnisher to alter its name to XXXX XXXX XXXX XXXX XXXXXXXX ( with a space between the XXXX XXXX XXXX and no XXXX on the end of XXXX  ) and misclassify the account, a deceptive practice used to evade dispute detection and hinder the process. Equifax has also exceeded the 30-day reinvestigation limit ( 1681i ( a ) ( 1 ) ( A ) ), dismissed my dispute as " frivolous '' without awful basis ( 1681i ( a ) ( 3 ) ( B ) ), and continues to report re-aged, unverifiable debt in violation of the FCRA ( 1681e ( b ), 1681i ) and FDCPA ( 1692e, 1692g ). By enabling these representations, Equifax is aiding and abetting the furnishers misconduct rather than acting as a neutral reporting agency. They have been altering the tradeline behind the scenes while stalling and dragging its heels on providing any resolution. XXXX  already deleted this unverifiable account on XX/XX/year>. I request Equifax to immediately delete this account as fraudulent and unverified. This submission does not constitute acknowledgement, admission, or acceptance of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NM

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX OF XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: NY

Complaint narrative:
To : XXXX XXXX XXXX Identity Theft Dispute and Request for Blocking of Fraudulent Information under 15 U.S.C. 1681c-2 Dear XXXX XXXX XXXX XXXX  I am writing to formally dispute certain information on my credit report that is the result of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information from appearing in a victims credit file. 



The following accounts/information do not belong to me and were opened or reported due to identity theft : Global Lending As required, I am enclosing : A copy of my government-issued photo ID. 
Proof of my current address ( such as a utility bill or lease ). 
A copy of my Identity Theft Report filed with [ local police department/ FTC XXXX ]. 




In accordance with 15 U.S.C. 1681c-2, I demand that you block and remove these fraudulent items from my credit report immediately. Please also ensure that these items are not reinserted into my file unless you meet all reinsertion requirements under the FCRA. 



I request written confirmation once the disputed information has been blocked and my credit file updated. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
This is in relation to the case I submitted back in XXXXXXXX XXXX XXXX. Please refer to that case. I submitted a Public Service Loan Forgiveness Reconsideration request several times now. My case number is # XXXX. I know my account shows XXXX payments but since verifying my employment ( yet again ), I was told that I have over the required XXXX qualifying payments by the employees there ( I have transcripts ). My employment verification still has not been applied to my total payment count. Every time I ask for an update, I am told it is processing. I have reached out countless times to Studentaid.gov ( my servicer for PSLF ) and they refuse to provide an update or give a timeframe on my PSLF status. My career is at a standstill until I receive the updated information from them. I feel that they are purposely not reviewing this information and not allowing people to have forgiveness in an effort to keep the revenue generated by each person. I have had to pass on high paying positions as it is a requirement to be in a PSLF job while they are reviewing forgiveness. Please hold them accountable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
These accounts are being reported inaccurately. XXXX  has already corrected the status of these XXXX XXXX accounts to Closed/Never Late, yet TransUnion and Equifax continue to report them incorrectly. 

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

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 2025-08-18 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Always add month and year. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding andpromptaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: WI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-18 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
I am disputing the late payment ( XXXX ) being reported on my credit file for the following account : XXXX  Account Number : XXXX Why This Reporting Is Inaccurate : I was never provided with any notification of upcoming payment due dates or notice when the account allegedly became late. 

Because no notice was sent, I had no opportunity to resolve or prevent the issue before a late mark was reported. 

This failure to provide proper notice makes the reported late payment inaccurate, incomplete, and unlawful. 

Violations of Federal Law : FCRA 1681e ( b ) : Information must be accurate and complete. Late marks without proper notice fail this requirement.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report fairly and responsibly. Reporting delinquency without notice violates this duty.

FCRA 1681i ( a ) : Disputed information must be reinvestigated and, if unverifiable, permanently deleted. 

My Request for Resolution : Reinvestigate the reported late payment with the furnisher.

Require proof that billing notices or delinquency warnings were sent prior to reporting.

If no such proof exists, permanently delete this late payment from my credit file.

Provide me with written confirmation and an updated report within the XXXX period required by FCRA 1681i ( a ) ( 1 ) ( A ). 

This reporting is both inaccurate and unlawful, and I expect prompt action to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I am submitting this complaint regarding how Achieve ( formerly XXXX ) handled my loan payoff and the impact it has had on my credit score.

I paid off my account in full, and believed my balance was cleared. However, I later learned that a small residual amount was still listed, and the company closed the account without informing me. I was not notified of any remaining balance, nor was I given the opportunity to address it before the closure.

This resulted in my credit report showing the account as closed in a way that negatively impacted my score by approximately 10 points. When I reached out to request a goodwill adjustment or to correct the reporting, I was told it could not be done. 

I am requesting that the credit reporting be updated to reflect the account as paid in full and closed in good standing, and that any derogatory marks resulting from this misunderstanding be removed. 

I have been making consistent efforts to rebuild my credit and was not aware of any remaining obligations. I believe this reporting does not accurately reflect my good faith efforts or payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 filing this complaint regarding disputed late payment entries that appeared on my credit record without proper substantiation. After discovering these questionable late payments during my credit review, I submitted formal dispute correspondence over 30 days ago requesting validation and supporting documentation from the reporting entities. Despite allowing sufficient time for response, I have received no communication or adequate verification materials, leaving these potentially inaccurate negative entries to continue damaging my credit profile without justification.

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 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Sulphur Bank Rancheria Enterprises
State: IN

Complaint narrative:
In XX/XX/year>, I took out a loan with this company, not realizing the loan was usurious and illegal. I paid that loan off, then took out another. I am working with an attorney to settle the violations this company has committed against me and the Fair Credit Reporting act, however, they continue to : 1 ) contact me 7 times after I have emailed them and told them to stop all contact because I'm taking legal action against them 2 ) have not responded to my request, and then demand, for copies of the loan agreements 3 ) I have serious concerns about their ability to determine when I have logged into their system to attempt to retrieve my loan documents. Immediately after I logged in, I began receiving multiple emails from them stating " thank you for logging into your account. Please select an option to pay your account off ''.

Company response to consumer: Closed with explanation