vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: KY

Complaint narrative:
Issue : Inaccurate and incomplete reporting of student loan accounts after servicer transfer to XXXX Summary : After my federal student loans were transferred to XXXX, my credit score dropped significantly. Experian is reporting XXXX separate XXXX tradelines, each listing a 30-day late payment in XX/XX/XXXX. However, both XXXX  and XXXX  are not showing any delinquent status or payment history beyond XXXX, and are listing these same XXXX accounts as Pays account as agreed. Despite this, my score has been impacted on all three bureaus. 

My last payment was made in XX/XX/XXXX. I had not been notified of a due date, nor received updated billing information from XXXX until after their internal transfer had already triggered multiple 30-day lates. These accounts were also split into multiple smaller loans during transfer, multiplying the damage and triggering duplicate derogatory marks. 

This has made it : 1. Impossible to properly dispute the derogatory marks through XXXX  or XXXX, since they are not displaying any visible delinquency.

2. Difficult to reconcile conflicting reporting between bureaus.

3. Devastating to my credit score despite unclear or missing data. 

Additionally, I underwent major XXXX on XX/XX/XXXX, and was out of work while starting a new business in late XXXX. At the time of the reported late payments, I was under the impression that my loans remained in deferment, as they had been prior to the transfer to XXXX. I may have received paper correspondence, but no clear digital notice or billing updates were provided to indicate a change in status. Additionally, the fragmentation of my original loans into multiple accounts exaggerated the credit impact of a single delinquencywithout clear or accessible warning.

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 2025-07-09 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: KY

Complaint narrative:
Issue : Inaccurate and incomplete reporting of student loan accounts after servicer transfer to XXXX Summary : After my federal student loans were transferred to XXXX, my credit score dropped significantly. XXXX  is reporting XXXX separate XXXX tradelines, each listing a 30-day late payment in XX/XX/XXXX. However, both TransUnion and XXXX  are not showing any delinquent status or payment history beyond XXXX, and are listing these same XXXX accounts as Pays account as agreed. Despite this, my score has been impacted on all three bureaus. 

My last payment was made in XX/XX/XXXX. I had not been notified of a due date, nor received updated billing information from XXXX until after their internal transfer had already triggered multiple 30-day lates. These accounts were also split into multiple smaller loans during transfer, multiplying the damage and triggering duplicate derogatory marks.

This has made it : 1. Impossible to properly dispute the derogatory marks through TransUnion or XXXX, since they are not displaying any visible delinquency. 
2. Difficult to reconcile conflicting reporting between bureaus.

3. Devastating to my credit score despite unclear or missing data. 

Additionally, I underwent major XXXX on XX/XX/XXXX, and was out of work while starting a new business in late XXXX. At the time of the reported late payments, I was under the impression that my loans remained in deferment, as they had been prior to the transfer to XXXX. I may have received paper correspondence, but no clear digital notice or billing updates were provided to indicate a change in status. Additionally, the fragmentation of my original loans into multiple accounts exaggerated the credit impact of a single delinquencywithout clear or accessible warning.

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 2025-07-09 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: KY

Complaint narrative:
Issue : Inaccurate and incomplete reporting of student loan accounts after servicer transfer to XXXX Summary : After my federal student loans were transferred to XXXX, my credit score dropped significantly. XXXX  is reporting XXXX separate XXXX tradelines, each listing a 30-day late payment in XX/XX/XXXX. However, both XXXX  and Equifax are not showing any delinquent status or payment history beyond XXXX, and are listing these same XXXX accounts as Pays account as agreed. Despite this, my score has been impacted on all three bureaus. 

My last payment was made in XX/XX/XXXX. I had not been notified of a due date, nor received updated billing information from XXXX until after their internal transfer had already triggered multiple 30-day lates. These accounts were also split into multiple smaller loans during transfer, multiplying the damage and triggering duplicate derogatory marks. 

This has made it : 1. Impossible to properly dispute the derogatory marks through XXXX  or Equifax, since they are not displaying any visible delinquency. 
2. Difficult to reconcile conflicting reporting between bureaus.

3. Devastating to my credit score despite unclear or missing data.

Additionally, I underwent major XXXX on XX/XX/XXXX, and was out of work while starting a new business in late XXXX. At the time of the reported late payments, I was under the impression that my loans remained in deferment, as they had been prior to the transfer to XXXX. I may have received paper correspondence, but no clear digital notice or billing updates were provided to indicate a change in status. Additionally, the fragmentation of my original loans into multiple accounts exaggerated the credit impact of a single delinquencywithout clear or accessible warning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
This false reporting is severely damaging my financial standingdirectly impacting my ability to obtain credit, loans, and housing. The inclusion of unauthorized negative information is both unacceptable and unlawful.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
My personal and financial information was breached violating the FERPA, I requested full cancellation of my student loan debt. I have requested the original contract, complete transfer records, full payment history, method of verification of party that verified account and method related to obligations of payment and have not received anything validated debt obligation. XXXX XXXX XXXX reserve all rights and waive none!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: KY

Complaint narrative:
Re : Dispute of Charge-Off Account XXXX XXXXXXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the charge-off entry reported on my credit file by XXXX  XXXX under the account referenced above. I assert that the information you are reporting is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Specifically, I contend that the charge-off is invalid because XXXX XXXX has failed to provide adequate evidence of the debts existence, legitimacy, and proper reporting. Additionally, I am aware that XXXX XXXXXXXX may have forgiven or written off this debt as income, as evidenced by the issuance of a Form 1099-C, Cancellation of Debt. Under the Internal Revenue Code, a 1099-C form represents the cancellation of debt and could indicate that this debt is no longer legally enforceable. Please be advised that under 15 U.S.C. 1692g ( a ), I am entitled to a debt validation, and I am requesting that XXXX XXXX provide the following information : 1. Proof that I owe the alleged debt. 2. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy. 3. The date of charge-off and the reason for the charge-off. 4. Any documentation of a 1099-C issued in connection with the debt. If this information can not be provided within the legally required 30-day time frame, I request that you immediately remove this entry from my credit report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request that you conduct a reasonable investigation into this matter, and under 15 U.S.C. 1681s-2 ( a ) ( 3 ), I expect all information reported by XXXX XXXX to be accurate and corrected if found to be in error. Please confirm that you have received this dispute and provide a resolution to this matter within 30 days of the date of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
My personal and financial information was breached violating the FERPA, I requested full cancellation of my student loan debt. I have requested the original contract, complete transfer records, full payment history, method of verification of party that verified account and method related to obligations of payment and have not received anything validated debt obligation. XXXX XXXX XXXX reserve all rights and waive none!

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 2025-07-09 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: MS

Complaint narrative:
My personal and financial information was breached violating the FERPA, I requested full cancellation of my student loan debt. I have requested the original contract, complete transfer records, full payment history, method of verification of party that verified account and method related to obligations of payment and have not received anything validated debt obligation. XXXX XXXX XXXX reserve all rights and waive none!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c. states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have contacted Transunion and they did not verify any of the accounts I submitted. laws are being broken and this is unacceptable for this to keep happening.

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 2025-07-09 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: SC

Complaint narrative:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In line with USC 1681g, I am formally requesting their removal within 15 days. All relevant documentation has been enclosed for your review. It is also important to note that the information reported varies and is inconsistent across the credit bureaus.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have sent 2 letters to Discover advising of inaccuracy on the 3 major credit bureaus. The responded that the information is correct. It IS NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
they call at least twice a day on my phone and on my husbands phone looking for me, I thought the legal limit was no more than 7 times in a 7 day period. This is past the point of nice it is harassment and i want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
This account is currently showing a delinquent status, which is incorrect. I would like it to be disputed and updated to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION/CHARGE-OFF ACCOUNTS To Whom It May Concern, I am writing to formally dispute the collection/charge-off accounts appearing on my credit report, which are directly tied to the National Public Data Social Security Number Breach. These accounts are fraudulent, and I demand their immediate removal from all credit reporting agencies.

The accounts in question are : Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems recently reported a collection account to my credit report, claiming to collect on a debt allegedly owed to XXXX XXXX. I was not given any prior notice about this debt. I did not receive any debt validation notice within 5 days of their initial communication as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ).

This means I was not given the opportunity to dispute the debt or request validation before it was added to my credit profile. I have no knowledge of this alleged account and never received any communication or information from Jefferson Capital prior to this reporting.

By failing to provide proper notice, Jefferson Capital Systems has violated federal law and caused harm to my credit profile by reporting an unverified and unauthorized collection account without giving me due process to challenge or investigate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding my bank account with U.S. Bank. I have been repeatedly blocked from accessing my own funds without clear explanation. Every time I try to contact customer service, I am either placed on indefinite hold, transferred without resolution, or outright ignored. Despite speaking with multiple representatives. I will also get notifications asking me to switch to my new card since my card expire, but my card is not expire. This creates more confusion This ongoing denial of access to my funds is unacceptable and financially harmful. I have followed all normal procedures to resolve this issue, including : Attempted to speak to multiple representatives Called U.S. Banks customer service line numerous times Was either put on hold for long periods or the call was disconnected No representative has explained why my account is blocked I was given no timeline for resolution This has caused extreme stress, interrupted my ability to pay bills, and could impact my credit if it continues. 

I am requesting the following : Immediate access to my account and funds- A written explanation of why the account was blocked XXXX that this issue will not happen again

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 2025-07-10 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: FL

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion Smartmove for failing to properly investigate an eviction record that is either inaccurate, outdated, or misreported. I disputed the information but received no resolution. This eviction was filed in XXXX XXXX XXXX ( Case # XXXX ), and I believe it was either misreported, duplicated, or lacking proper verification. This case is over two years old. I attempted to dispute it directly with the screening company, but I either received no response or an unsatisfactory one. The information is outdated, harmful to my rental prospects, and I believe it may be reported inaccurately or unfairly without proper context. I request that the CFPB review this matter and compel the agency to investigate the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be removed.

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