vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I received a call from a collector regarding damages to a vehicle involved in an accident I was part of. The only damage I caused was to the front fender and bumper. However, they are now claiming the total damages amount to {$17000.00} and have stated that my drivers license may be suspended as a result.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 XXXX years. 

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.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-27 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: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-27 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: CA

Complaint narrative:
15 USC 1692G, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX, ( Original Creditor : XXXX XXXX  ) have not been validated per 15 USC 1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
15 USC 1692G, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX, ( Original Creditor : XXXX XXXX  ) have not been validated per 15 USC 1692G

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 2025-05-28 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: FL

Complaint narrative:
I am filing this complaint due to an inaccurate and potentially misleading derogatory mark reported on my credit file by XXXX XXXX XXXX. All three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a 30-day late payment for XXXX XXXX, which is negatively affecting my credit score and access to fair credit.

I have disputed this information with the credit bureaus and requested a proper reinvestigation and supporting documentation, as required under the Fair Credit Reporting Act ( FCRA ). To date, I have received no proof that a manual, substantive verification has been conducted, nor have I been informed of the method of verification used, as required by 15 U.S.C. 1681i ( 7 ).

Even if technically accurate, the reported delinquency may be misleading if it lacks full context, as established in XXXX XXXX XXXX XXXX XXXX. Furthermore, any reliance on automated systems such as XXXX may constitute an inadequate investigation under XXXX XXXX  TransUnion. I am particularly concerned that the verification process may not have involved a XXXX XXXXeview, which the CFPB has previously addressed in CFPB v. Experian ( XXXX  ).

I have already submitted a complaint to the FTC regarding this issue ( Report No. XXXX  ) and request further regulatory investigation into potential systemic violations of the FCRA.

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 2025-05-28 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: FL

Complaint narrative:
I am filing this complaint due to an inaccurate and potentially misleading derogatory mark reported on my credit file by XXXX XXXX XXXX. All three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a 30-day late payment for XXXX XXXX, which is negatively affecting my credit score and access to fair credit.

I have disputed this information with the credit bureaus and requested a proper reinvestigation and supporting documentation, as required under the Fair Credit Reporting Act ( FCRA ). To date, I have received no proof that a manual, substantive verification has been conducted, nor have I been informed of the method of verification used, as required by 15 U.S.C. 1681i ( 7 ).

Even if technically accurate, the reported delinquency may be misleading if it lacks full context, as established in XXXX XXXX XXXX XXXX XXXX. Furthermore, any reliance on automated systems such as XXXX may constitute an inadequate investigation under XXXX XXXX  TransUnion. I am particularly concerned that the verification process may not have involved a XXXX XXXXeview, which the CFPB has previously addressed in CFPB v. Experian ( XXXX  ).

I have already submitted a complaint to the FTC regarding this issue ( Report No. XXXX  ) and request further regulatory investigation into potential systemic violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute the following hard inquires on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit reporting act ( FCRA ), section 611 ( 15 U.S.C. 1681I ), unverified inquiries must be removed. Please remove any unverified inquires.

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 2025-05-28 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given XXXX  days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 
If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion for their failure to correct multiple inaccuracies on my credit reports after several formal disputes. The information in question includes incorrect addresses and the continued reporting of unverifiable and potentially erroneous tradelines. These ongoing inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( b ) and XXXX. 

Details of the Complaint : Wrong Addresses Still Listed : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This address is incorrect and has never been associated with me. 

XXXXXXXX XXXX XXXX XXXX, La XXXX, LA XXXX Incorrect and not connected to me. 

XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Also incorrect and never my residence. 

Disputed Account Errors Not Resolved : XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX  ) Reporting a XXXX  with a high balance of {$10000.00}. This account is in dispute for lack of proper verification and potential tax misreporting under IRS XXXX guidelines. 

XXXX XXXX ( Account number redacted ) Reflects late payments which have not been validated and are disputed as inaccurate. 

XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX ) Improperly marked as a XXXX No sufficient verification has been provided, and the balance reported is contested. 

Previous Action Taken : I have formally disputed these entries with each bureau in writing, providing documentation and identification, as advised by the CFPB. Despite this, the inaccurate information remains, and the responses received were either vague or stated verified with no substantiating evidence or reinvestigation details as required under XXXX XXXX. XXXX. 

Impact on Me : These reporting failures have resulted in multiple credit denials, XXXX XXXX, and unjust harm to my personal and financial reputation. I am requesting the CFPBs intervention to compel these agencies to fully investigate, remove inaccurate information, and ensure full compliance with FCRA mandates. 

Requested Resolution : XXXXmmediate removal of the XXXX incorrect addresses listed. 

Deletion or full verification ( with documentation ) of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 

Compliance documentation showing reinvestigation details per FCRA XXXX. 

A complete review of each bureaus procedures in handling these disputes. 

I respectfully request that the CFPB take appropriate enforcement actions and require all involved credit bureaus to meet their statutory obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
For the past couple of years the mortgage provider, XXXX XXXX  has consistently required me to call to discuss loan issues and options but have been inform multiple times thay due to a hearing XXXX, along with others that it makes it near impossible to communicate by calling. 

I have always done things by email and now they refuse to accommodate me and refuse to allow me to continue to set up payments by email since they blocked by online access. 

I am not in foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered that some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information and this is affecting my scores and ability to do proper business. I have never missed a payment on the following accounts XXXX XXXX, Open XX/XX/year> XXXX XXXX XXXXXXXX. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact on my consumer report and are considered as part of my transactions and experiences between your company and me. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Teachers rarely showed up to teach their class, the school ultimately went bankrupt, and shut down,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2800.00} XXXX XXXX XXXX XXXX  Balance : {$14000.00}

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 non-monetary relief