vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: PA

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
Consumer complaint received 2025-06-03 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 2025-06-03 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
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Aqua Finance Inc. and their agent XXXX XXXX XXXX for misrepresenting the nature of a home improvement loan agreement. They filed a XXXX Financing Statement claiming a Purchase Money Security Interest ( PMSI ) against my home, yet at no point was this explicitly disclosed to me during the transaction. 
The only mention of a security interest appears buried within the Notice of Right to Cancel section, which is located * below * the signature line. There was no indication that this section contained material terms impacting ownership of my home, and no requirement to initial or otherwise acknowledge this disclosure. Proper procedure would require clear placement within the main agreement and a specific acknowledgment to ensure the borrower is informed.

During conversations with Aqua Finance representatives, no one ever disclosed the presence of a lien or UCC filing. Even upon reviewing the documents, there is no checkbox, initials, or section specifically calling out a UCC XXXX or PMSI was conveyed to me during the initial call. 
Furthermore, this debt was charged off as of XX/XX/year>. If any insurance reimbursement, tax deduction, or third-party payment was received, continued enforcement of the lien may constitute unjust enrichment and improper double recovery.

I am requesting that the CFPB investigate this matter for misleading disclosure practices, and ensure that lenders are required to clearly state any security interest or lien obligations with proper consumer acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Dispute of Inaccurate Student Loan Reporting on Credit Report Accounts : XXXX Ending in XXXX I am writing to formally dispute inaccurate and damaging information that appears on my credit report concerning two student loan accounts serviced by XXXX. These accounts are being reported by XXXX, Trans Union XXXX XXXX  and show multiple late payments ( 120, 150, and 180 days past due ) as well as past due balances, which I believe are being inaccurately or unfairly reported.

The accounts in question are : Account 1 : - Loan Servicer : XXXX - Balance : {$1800.00} - Past Due : {$130.00} as of XX/XX/year> - Reported Late Payments : 120, 150, 180 days past due ( XXXX, XXXX, XX/XX/year> ) Account 2 : - Loan Servicer : XXXX - Balance : {$3200.00} - Past Due : {$230.00} as of XX/XX/year> - Reported Late Payments : 90, 120, 150, 180 days past due ( XXXX XXXX  ) I am disputing the accuracy of these late payments and past-due statuses. I respectfully request that you investigate the following : - Provide complete payment history and documentation to support these late payment claims.

- Validate the accuracy and timeliness of the reported information.

- Remove any information that can not be verified or that was reported in error.

My complaint includes the following concerns : - I have not received sufficient communication or transparency from XXXX regarding these claims.

- These late payment marks have significantly impacted my credit standing and financial well-being.

- I believe there may have been administrative or reporting errors that unfairly resulted in these derogatory marks.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this information be thoroughly investigated, corrected, or removed from my credit report as appropriate. If you are unable to verify these claims with concrete documentation, you are required to delete the inaccurate information.

Please confirm receipt of this dispute and provide the results of your investigation in writing within 30 days, as required by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/2025 To Whom It May Concern, Subject : Dispute of Inaccurate Student Loan Reporting on Credit Report Accounts : XXXX Ending in XXXX I am writing to formally dispute inaccurate and damaging information that appears on my credit report concerning two student loan accounts serviced by XXXX. These accounts are being reported by XXXX, XXXX XXXX XXXX Equifax and show multiple late payments ( 120, 150, and 180 days past due ) as well as past due balances, which I believe are being inaccurately or unfairly reported.

The accounts in question are : Account 1 : - Loan Servicer : XXXX - Balance : {$1800.00} - Past Due : {$130.00} as of XX/XX/2025 - Reported Late Payments : 120, 150, 180 days past due ( XXXX, XXXX, XX/XX/2025 ) Account 2 : - Loan Servicer : XXXX - Balance : {$3200.00} - Past Due : {$230.00} as of XX/XX/2025 - Reported Late Payments : 90, 120, 150, 180 days past due ( XXXXXXXX XXXX  ) I am disputing the accuracy of these late payments and past-due statuses. I respectfully request that you investigate the following : - Provide complete payment history and documentation to support these late payment claims.

- Validate the accuracy and timeliness of the reported information.

- Remove any information that can not be verified or that was reported in error.

My complaint includes the following concerns : - I have not received sufficient communication or transparency from XXXX regarding these claims. 
- These late payment marks have significantly impacted my credit standing and financial well-being.

- I believe there may have been administrative or reporting errors that unfairly resulted in these derogatory marks.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this information be thoroughly investigated, corrected, or removed from my credit report as appropriate. If you are unable to verify these claims with concrete documentation, you are required to delete the inaccurate information.

Please confirm receipt of this dispute and provide the results of your investigation in writing within 30 days, as required by law.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Dispute of Inaccurate Student Loan Reporting on Credit Report Accounts : XXXX Ending in XXXX I am writing to formally dispute inaccurate and damaging information that appears on my credit report concerning two student loan accounts serviced by XXXX. These accounts are being reported by Experian, XXXX XXXX XXXX XXXX  and show multiple late payments ( 120, 150, and 180 days past due ) as well as past due balances, which I believe are being inaccurately or unfairly reported.

The accounts in question are : Account 1 : - Loan Servicer : XXXX - Balance : {$1800.00} - Past Due : {$130.00} as of XX/XX/year> - Reported Late Payments : 120, 150, 180 days past due ( XXXX, XXXX, XX/XX/year> ) Account 2 : - Loan Servicer : XXXX - Balance : {$3200.00} - Past Due : {$230.00} as of XX/XX/year> - Reported Late Payments : 90, 120, 150, 180 days past due ( XXXX XXXX  ) I am disputing the accuracy of these late payments and past-due statuses. I respectfully request that you investigate the following : - Provide complete payment history and documentation to support these late payment claims.

- Validate the accuracy and timeliness of the reported information.

- Remove any information that can not be verified or that was reported in error.

My complaint includes the following concerns : - I have not received sufficient communication or transparency from XXXX regarding these claims.

- These late payment marks have significantly impacted my credit standing and financial well-being.

- I believe there may have been administrative or reporting errors that unfairly resulted in these derogatory marks.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this information be thoroughly investigated, corrected, or removed from my credit report as appropriate. If you are unable to verify these claims with concrete documentation, you are required to delete the inaccurate information.

Please confirm receipt of this dispute and provide the results of your investigation in writing within 30 days, as required by law.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account Status : Closed Closed Date : XX/XX/year> Remarks : Profit and loss write-off Account closed by credit grantor ( listed twice ) Under the Fair Credit Reporting Act ( FCRA ), I am requesting the CFPB to : Investigate the accuracy of this account 's reporting. 

Request verification and documentation from JPMCB showing how the reported balance and status were determined. 

Ensure that any inaccurate, unverifiable, or outdated information is corrected or removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
My account with XXXX XXXX XXXXXXXX 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 in to be removed. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-03 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: OK

Complaint narrative:
Equifax is reporting my name as XXXX XXXX XXXX on my credit report. I dispute the accuracy and completeness of this personal information as it is either incorrect or does not fully represent my legal name. Accurate personal information is crucial for correct identification and for ensuring that my credit history is properly matched and reported. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax has a legal responsibility to maintain accurate and complete information about consumers. If this information can not be verified as accurate, Equifax must promptly correct or delete it. Incorrect personal information can lead to misidentification, wrongful credit decisions, and potential harm to my credit profile and financial opportunities. 

Given the serious impact of inaccurate personal data, I urge Equifax to conduct a thorough reinvestigation of my personal information and update my credit report accordingly.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-03 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: TX

Complaint narrative:
am filing this complaint regarding XXXX XXXX XXXX for knowingly reporting materially inaccurate and misleading information to TransUnion and Experian. They state the account is charged off with a {$0.00} balance, yet they also claim the debt is still active and collectible, and no 1099-C was issued. This is a direct violation of FCRA 1681e ( b ) and 1681i. Additionally, the same account is not reported on XXXX at all, creating a severe data inconsistency that negatively impacts my creditworthiness. I demand deletion unless they can provide ( 1 ) a signed, bilateral contract ; ( 2 ) verification the debt wasnt sold, securitized, or fractionalized ; ( 3 ) proof the terms are lawful and consideration exists ; ( 4 ) proof no 1099-C was issued ; and ( 5 ) that the tradeline is corrected or deleted within 4 business days.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please understand, this complaint is not a misunderstanding. There are real and troubling inaccuracies on my credit report that continue to have a deeply negative impact on my life. The emotional and financial strain has been overwhelming, and I can not overstate how much it would mean to have these errors corrected or removed. It would truly be a blessing and a much-needed help during these trying times.

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 2025-06-03 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: IL

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 explanation