vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single father, every financial decision I make directly affects my child ( ren ) XXXX security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( XXXX ) on my credit reports are : XXXX. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please correct/update this inaccurate information on my credit report. 
XXXX. 
XXXX FINANCE Account Number : XXXX * * * * * Please correct/update this inaccurate information on my credit report.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems , Inc . 
P.O. XXXX XXXX XXXX, GA XXXX Debt Validation Request and Assignment of Contract Demand for Alleged Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the debt you are attempting to collect under Account Number XXXX, which you claim is owed to XXXX XXXX Place Apartments. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting that you provide full validation and itemization of this alleged debt, as well as proof that you are legally authorized to collect on it. 

Specifically, I am requesting the following : XXXX. Proof of XXXX XXXX XXXX full and complete account history, including : A copy of the original signed lease or contract. 
An itemized list of charges that make up the total alleged balance. 
A record of any payments made toward the debt. 
XXXX. Assignment of Contract / Chain of Title Legal documentation showing : That the original creditor has legally assigned or sold this debt to National Credit Systems , Inc . 
The date and terms of such assignment. 
Proof that you have the legal standing to collect this debt on their behalf. 
XXXX. Proof of Payment Discrepancy You claim this debt remains unpaid ; however, I have previously submitted a Paid in Full Letter dated XX/XX/year>, and related documentation. Your statement that this documentation refers to a different account is unsubstantiated. If you contend there are XXXX separate accounts, please provide : Full documentation for both accounts. 
Any record of balance transfers, lease terminations, or duplicate assignments. 

Please understand that until full validation and assignment are provided, this alleged debt is in dispute and must not be reported to any credit reporting agencies as valid. Continuing to report inaccurate information may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA and will be treated as such. 

Additionally, I demand that all collection efforts cease until this matter is properly resolved and validated. 

This letter is not a refusal to pay, but a request for validation and legal proof. Please reply in writing within 30 days of receipt of this letter. Failure to provide the requested documentation will result in further action, including formal complaints to the CFPB, FTC, and my state Attorney XXXX office. 

Sincerely, XXXX XXXX

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: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: TN

Complaint narrative:
I was attempting to consolidate debt. I accepted an offer on XXXX XXXX as those are vetted lenders. After completing the initial application, I was " pre-approved '' and they needed more information to " process '' the loan. However, information on what I was agreeing to when accepting the loan online was incomplete and inaccessible. I called the help number and they said they '' could not send '' me anything documenting the things I would be agreeing to if I completed the step I was on, online. They did not show me my APR when attempting to make me agree to a monthly payment amount with drawl. They were going to require another loan be paid of but did not actually state so anywhere in the documents. The help line employee said if I completed it would be an agreement to take the loan and pay for it ( as it stated it would be ), and that he could not provide me with and documentation of those two things BEFORE I had to agree to take the loan.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX of XXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX, the servicer of my federal student loans, for XXXX serious violations : Breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) Violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccurate and harmful reporting of my student loans to credit bureaus. 
XXXX. FERPA Violation XXXX unlawfully disclosed or mishandled my personally identifiable education records without my knowledge or consent. [ Briefly describe the FERPA violation e.g., My student loan information, which includes educational identifiers and financial data, was shared with unauthorized third parties or used outside the scope of consent I provided. ] This breach is in direct violation of FERPA, which protects the privacy of student education records. XXXX has neither provided adequate explanation nor taken corrective action after I raised this issue. This violation not only undermines my legal rights as a borrower but also opens me to further risk of identity misuse or exposure of sensitive personal information. 

XXXX. Inaccurate and Harmful Credit Reporting In addition, XXXX has reported inaccurate or misleading information about my student loans to one or more major credit bureaus. This includes, but is not limited to : Incorrect loan balances Misreported status ( e.g., loans marked delinquent while in deferment or forbearance ) Duplicate loan entries Accounts that I did not recognize or authorize I have formally disputed this information through both XXXX and the credit bureaus, but XXXX has failed to resolve or correct these inaccuracies in compliance with the 30-day investigation requirement under FCRA. These errors have negatively affected my credit score and financial standing, and I have suffered difficulty obtaining credit, employment, and housing. 

Requested Resolution I respectfully request the CFPB investigate this matter and pursue the following actions : A full review of XXXX FERPA violation, including how and why my protected education records were improperly handled. 
A discharge or cancellation of my student loan obligations with XXXX as a result of the FERPA violation.

I am prepared to provide documentation to support my complaint, including : Correspondence with XXXX Copies of disputed credit reports Evidence of FERPA violations ( screenshots, emails, or third-party disclosures ) Any responses received during prior dispute attempts Thank you for your attention to this matter. I trust that the CFPB will act to ensure that student loan servicers like XXXX uphold borrowers ' legal rights and responsibilities under FERPA and 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 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX, the servicer of my federal student loans, for XXXX serious violations : Breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) Violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccurate and harmful reporting of my student loans to credit bureaus. 
XXXX. FERPA Violation XXXX unlawfully disclosed or mishandled my personally identifiable education records without my knowledge or consent. [ Briefly describe the FERPA violation e.g., My student loan information, which includes educational identifiers and financial data, was shared with unauthorized third parties or used outside the scope of consent I provided. ] This breach is in direct violation of FERPA, which protects the privacy of student education records. XXXX has neither provided adequate explanation nor taken corrective action after I raised this issue. This violation not only undermines my legal rights as a borrower but also opens me to further risk of identity misuse or exposure of sensitive personal information. 

XXXX. Inaccurate and Harmful Credit Reporting In addition, XXXX has reported inaccurate or misleading information about my student loans to XXXX or more major credit bureaus. This includes, but is not limited to : Incorrect loan balances Misreported status ( e.g., loans marked delinquent while in deferment or forbearance ) Duplicate loan entries Accounts that I did not recognize or authorize I have formally disputed this information through both XXXX and the credit bureaus, but XXXX has failed to resolve or correct these inaccuracies in compliance with the 30-day investigation requirement under FCRA. These errors have negatively affected my credit score and financial standing, and I have suffered difficulty obtaining credit, employment, and housing. 

Requested Resolution I respectfully request the CFPB investigate this matter and pursue the following actions : A full review of XXXX FERPA violation, including how and why my protected education records were improperly handled. 
A discharge or cancellation of my student loan obligations with XXXX as a result of the FERPA violation.

I am prepared to provide documentation to support my complaint, including : Correspondence with XXXX Copies of disputed credit reports Evidence of FERPA violations ( screenshots, emails, or third-party disclosures ) Any responses received during prior dispute attempts Thank you for your attention to this matter. I trust that the CFPB will act to ensure that student loan servicers like XXXX uphold borrowers ' legal rights and responsibilities under FERPA and FCRA.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a XXXX party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing regarding the dispute of the account reported by XXXX XXXX XXXX XXXX, with account number * XXXX, corresponding to a balance of {$1100.00}. I have received notification that this account has been verified as accurate. However, after a thorough review, I continue to disagree with the validity of this account in my credit report and hereby request its removal based on the following reasons : Lack of Verifiable Documentation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all reported information must be verifiable and accurate. I request specific documentary evidence supporting the legitimacy of this debt, including the original signed contract and detailed billing records. 
Possible Billing Error : I have not received any adequate notification or proof of the original debt from the original creditor, XXXX XXXX XXXX XXXXXXXX. I demand documentation that demonstrates the accuracy of the balance and confirms that I was properly notified of this obligation. 
Compliance with Collection Regulations : According to the Fair Debt Collection Practices Act ( FDCPA ), any collection agency must provide validation of the debt. If XXXX XXXX XXXX XXXX can not present sufficient and legitimate proof that this debt is valid and enforceable, it should be immediately removed from my credit report. 
Undue Impact on My Credit : This account significantly affects my credit history, limiting my access to financial opportunities. Since the account was previously disputed and only " updated '' without c

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: 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this message finds you well. I want to share my experience regarding an error on my credit report related to my student loan account XXXX XXXX : XXXX Account # XXXX. My report shows a 120-days XXXXXXXX XXXX, which I believe is incorrect. A 120-day XXXX XXXX indicates that I've missed XXXX payments in a row, which can significantly impact my credit score. In reality, my payment history is current, and I have not missed any payment, which should be reported as no late payments instead and current. The difference between these XXXX statuses is substantial, and I want to ensure that my credit report accurately reflects my payment behavior. I also want to highlight that according to the Uniform Commercial Code ( UCC ) Section 9-507, creditors are required to report accurate information about a consumers payment history. Misreporting can lead to misunderstandings about my financial responsibility and affect my ability to secure loans in the future. Thank you for taking the time to read my concerns. I appreciate any guidance or assistance you can provide regarding this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this message finds you well. I want to share my experience regarding an error on my credit report related to my student loan account XXXX XXXX : XXXX Account # XXXX. My report shows a XXXX late payment, which I believe is incorrect. A 120-day XXXX XXXX indicates that I've missed XXXX payments in a row, which can significantly impact my credit score. In reality, my payment history is current, and I have not missed any payment, which should be reported as no late payments instead and current. The difference between these XXXX statuses is substantial, and I want to ensure that my credit report accurately reflects my payment behavior. I also want to highlight that according to the Uniform Commercial Code ( UCC ) Section 9-507, creditors are required to report accurate information about a consumers payment history. Misreporting can lead to misunderstandings about my financial responsibility and affect my ability to secure loans in the future. Thank you for taking the time to read my concerns. I appreciate any guidance or assistance you can provide regarding this matter.

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