vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments for a total of XXXX accounts ( specifically XXXX and XXXX delinquencies ) reflected on my credit file in connection with my federal student loan account serviced by XXXX XXXX XXXX XXXX These delinquencies appear to have been recorded during a period in which I was actively enrolled in the XXXX Emergency Debt Relief Program, as authorized under the CARES Act ( Pub. XXXX XXXX, XXXX XXXX ). Under this legislation, all federally-held student loans were placed into administrative forbearance beginning XX/XX/year>, with payments paused, interest waived, and no adverse credit reporting permitted during the relief period. 

Despite this protection, my credit report reflects serious delinquencies of 90 and 120 days, which are factually inaccurate, legally noncompliant, and financially damaging. These derogatory marks directly violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits the reporting of information a furnisher knows or has reason to believe is inaccurate. Additionally, they may be considered a violation of the XXXX XXXX Rights and Privacy Act ( XXXX ), which governs the protection of student financial and educational data, especially in instances where proper authorization and secure documentation were not used in reporting. 

Moreover, I am concerned that these inaccurate reports may stem from data mishandling or breach of confidentiality, which if verified, could constitute a serious XXXX violation and expose the agency to further legal liability. No payments were due during the forbearance period, and I maintained compliance throughout. I am including documentation of my enrollment in the XXXX relief program and payment history during this time. 

I hereby demand that the inaccurate derogatory entries be immediately corrected or removed from all credit reports, and that the loan status be updated to " Pay as Agreed '' or " In Forbearance '', as legally required during the XXXX relief period. 

Please be advised that the inclusion of false delinquencies has resulted in a significant negative impact on my credit score, which may give rise to a claim for damages under 15 U.S.C. 1681n and 1681o, should this matter not be corrected within the required timeframe. If this error is not addressed and resolved within 4 business days, I will consider pursuing additional remedies including, but not limited to, filing formal complaints with the CFPB, FTC, and my State Attorney General, as well as pursuing legal action to secure compensation for the damage caused. 

Sincerely, 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 2025-05-29 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: OH

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments for a total of XXXX accounts ( specifically 90- and 120-day delinquencies ) reflected on my credit file in connection with my federal student loan account serviced by XXXX XXXX XXXX XXXX These delinquencies appear to have been recorded during a period in which I was actively enrolled in the XXXX Emergency Debt Relief Program, as authorized under the CARES Act ( Pub. XXXX XXXX, Section 3513 ). Under this legislation, all federally-held student loans were placed into administrative forbearance beginning XX/XX/year>, with payments paused, interest waived, and no adverse credit reporting permitted during the relief period. 
Despite this protection, my credit report reflects serious delinquencies of 90 and 120 days, which are factually inaccurate, legally noncompliant, and financially damaging. These derogatory marks directly violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits the reporting of information a furnisher knows or has reason to believe is inaccurate. Additionally, they may be considered a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ), which governs the protection of student financial and educational data, especially in instances where proper authorization and secure documentation were not used in reporting.

Moreover, I am concerned that these inaccurate reports may stem from data mishandling or breach of confidentiality, which if verified, could constitute a serious FERPA violation and expose the agency to further legal liability. No payments were due during the forbearance period, and I maintained compliance throughout. I am including documentation of my enrollment in the COVID relief program and payment history during this time.

I hereby demand that the inaccurate derogatory entries be immediately corrected or removed from all credit reports, and that the loan status be updated to " Pay as Agreed '' or " In Forbearance '', as legally required during the XXXX relief period. 

Please be advised that the inclusion of false delinquencies has resulted in a significant negative impact on my credit score, which may give rise to a claim for damages under 15 U.S.C. 1681n and 1681o, should this matter not be corrected within the required timeframe. If this error is not addressed and resolved within XXXX business days, I will consider pursuing additional remedies including, but not limited to, filing formal complaints with the CFPB, FTC, and my State Attorney General, as well as pursuing legal action to secure compensation for the damage caused. 

Sincerely, 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 2025-05-29 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: OH

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments for a total of XXXX accounts ( specifically 90- and 120-day delinquencies ) reflected on my credit file in connection with my federal student loan account serviced by XXXX XXXX XXXX XXXX These delinquencies appear to have been recorded during a period in which I was actively enrolled in the XXXX Emergency Debt Relief Program, as authorized under the CARES Act ( Pub. XXXX XXXX, Section 3513 ). Under this legislation, all federally-held student loans were placed into administrative forbearance beginning XX/XX/year>, with payments paused, interest waived, and no adverse credit reporting permitted during the relief period. 

Despite this protection, my credit report reflects serious delinquencies of 90 and 120 days, which are factually inaccurate, legally noncompliant, and financially damaging. These derogatory marks directly violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits the reporting of information a furnisher knows or has reason to believe is inaccurate. Additionally, they may be considered a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ), which governs the protection of student financial and educational data, especially in instances where proper authorization and secure documentation were not used in reporting.

Moreover, I am concerned that these inaccurate reports may stem from data mishandling or breach of confidentiality, which if verified, could constitute a serious FERPA violation and expose the agency to further legal liability. No payments were due during the forbearance period, and I maintained compliance throughout. I am including documentation of my enrollment in the XXXX relief program and payment history during this time. 

I hereby demand that the inaccurate derogatory entries be immediately corrected or removed from all credit reports, and that the loan status be updated to " Pay as Agreed '' or " In Forbearance '', as legally required during the XXXX relief period. 

Please be advised that the inclusion of false delinquencies has resulted in a significant negative impact on my credit score, which may give rise to a claim for damages under 15 U.S.C. 1681n and 1681o, should this matter not be corrected within the required timeframe. If this error is not addressed and resolved within 4 business days, I will consider pursuing additional remedies including, but not limited to, filing formal complaints with the CFPB, FTC, and my State Attorney General, as well as pursuing legal action to secure compensation for the damage caused. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address an issue concerning my FICO score associated with Equifax. I recently accessed my credit report, and I noticed that both the XXXX score and the account information under Equifax are missing. This is concerning, as I expected to see my full credit details, including scores and account history, across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-29 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: FL

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

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 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: FL

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

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXX XXXX- XXXX XXXX {$28000.00} was stolen from my Bank of America prepaid account. I never recieved my debit card when it came through the mail, my card was fraudulently activated with my personal credentials and used without my consent or knowledge. At the time I had a roommate that had access to all the mail, my personal information; such as social security number, ID, address etc ). Who ever activated and used my card also opened many online bank accounts with my name and social as well as tried to apply for many bank loans with my information. I believe this person to be the one responsible for the theft on my account. However I have provided Bank of America prepaid claim department multiple written sworn statements stating that I had no knowledge nor did I approve any of these transactions and who I suspected to have stolen them, I have sent in a copy of my police report as well as a copy of my lease at the time of the theft. Yet my claim continues to be denied and the only reason the bank has given me is that they need new information and when I ask what type of information are they looking for as Ive sent in all the information I have their only response is they dont have any specific documentation theyre looking for it just needs to be new.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
Time line : XX/XX/XXXX entered into contract # XXXX and XXXX XXXX Option Agreement paid {$250.00} that XXXX XXXX would not accept and didn't apply correctly. XXXX and XXXX Practices. XXXX was falsified to be approved for an over {$19000.00} XXXX 14.75 % for a car that bluebooks for {$9000.00} with over XXXX miles on a part time income. 
XX/XX/XXXX Vehicle was returned and denied - Cancellation was not honored. 
XX/XX/XXXX Vehicle was returned and denied - Cancellation was not honored. 
XX/XX/XXXX to XX/XX/XXXX payments were made and many emails and calls to Ganas Auto and XXXX to honor the cancellation and return the vehicle, and also to remove their insurance since I had my own with XXXX. 
XX/XX/XXXX XXXX from Ganas auto stating what they want to see insurance. 
XX/XX/XXXX Entered into a XXXX Notice and XXXX to XXXX XXXX XXXX. XXXX to defer XXXX payments to the end of the loan. My next payment would be due XX/XX/XXXX. 
XX/XX/XXXX Received letter from XXXX that registration paperwork was not complete and I still didnt have my license plates, tags, and registration. 
XX/XX/XXXX Another letter from the XXXX regarding registration and the possible impoundment of my vehicle. 
XX/XX/XXXX The Vehicle was repossessed, and I was told that the XXXX Notice was not valid due to the insurance payments being pass due even though we had sent them XXXX pages from XXXX proving insurance elsewhere. 
XX/XX/XXXX Representative lied and said that they had valid reasons to repossess the vehicle due to insurance payments. 
XX/XX/XXXX XXXX yard would only return personal items from the car at a fee of {$270.00} XXXX week later. Didn't receive personal items. 
XX/XX/XXXX Received the Notice XXXX XXXX to sell Motor Vehicle and will not honor the Deferment Notice and Amendment to Install Contract. 
XX/XX/XXXX Do not have the vehicle or personal items or license plate, tags, registration. 
XX/XX/XXXX Still no response from Ganas Auto or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
While reviewing my credit report, I noticed some inaccurate and conflicting information. I seen late payments that I paid in full on some but not all bureaus. To maintain fairness, I request this matter be investigated, and all conflicting and inaccurate late payments be deleted and updated expedient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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