vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by XXXX. According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. Furthermore upon comparing my credit report dated XX/XX/XXXX it shows 0 lates on the tradeline and shows current and the report pulled on XX/XX/XXXX shows a 90 day late???? How is this even possible? I have uploaded the screen shot of the tradeline on both dates and showing how it reported incorrectly. Due to this error I was not given the opportunity to resolve any payment due before it reached the 90 day late status therefore this 90 day late needs to be removed all together and report as on time payment. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, and the incorrect information reported from one month to the next I respectfully request that XXXX immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by XXXX. According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. Furthermore upon comparing my credit report dated XX/XX/XXXX it shows 0 lates on the tradeline and shows current and the report pulled on XX/XX/XXXX shows a 90 day late???? How is this even possible? I have uploaded the screen shot of the tradeline on both dates and showing how it reported incorrectly. Due to this error I was not given the opportunity to resolve any payment due before it reached the 90 day late status therefore this 90 day late needs to be removed all together and report as on time payment. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, and the incorrect information reported from one month to the next I respectfully request that XXXX immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by XXXX. According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. Furthermore upon comparing my credit report dated XX/XX/XXXX it shows 0 lates on the tradeline and shows current and the report pulled on XX/XX/XXXX shows a 90 day late???? How is this even possible? I have uploaded the screen shot of the tradeline on both dates and showing how it reported incorrectly. Due to this error I was not given the opportunity to resolve any payment due before it reached the 90 day late status therefore this 90 day late needs to be removed all together and report as on time payment. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, and the incorrect information reported from one month to the next I respectfully request that XXXX immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies.

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

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within XXXX  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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

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: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Request for Validation and Disclosure of Information Under 15 U.S. Code 1681b and 1681g ( a ) ( 1 ) ( A ) To Whom It XXXX Concern : This letter is a formal request for validation and investigation of a debt entry that appears on my credit report. I am disputing the accuracy and validity of the following account : Account Name : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : Midland Credit Management Account Number : XXXX Date Opened : XX/XX/XXXX Pursuant to the Fair Credit Reporting Act, I am exercising my rights under : 15 U.S. Code 1681b, which outlines the permissible purposes for which consumer reports XXXX be furnished. I am requesting that you verify that any party reporting this debt to Experian had a legally permissible purpose to access and report my information. 

15 U.S. Code 1681g ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to disclose to the consumer the identities of all persons who have obtained a consumer report for employment, credit, insurance, or other purposes during the past year. 


I request that Experian : XXXX. Provide the full validation of the alleged debt, including the name and address of the original creditor and the documentation used to verify the account. 


XXXX. Identify all entities that have reported this account and confirm they had a permissible purpose under 1681b. 


XXXX. Remove the account from my credit report if it can not be validated or shown to have been reported with proper authorization. 



Please consider this letter a formal dispute of the account. Under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Over the weekend, I tried several times to complete a transaction on the city of XXXX website with my CITI card. Each time they texted me and XXXX digit security code which I then entered. Each time, the transaction was declined, though the security code was entered. 

Today after trying to submit the payment again, I received an email that there was a fraud alert on my account. I also received a phone call, but was in meetings all day, so I was unable to answer the phone. When I called later in the day I was told that a letter was generated on my account containing a four digit PIN that I would need to provide to them in order for them to give me any information about my account or to unlock my credit card for use. The letter will take 7 to 10 days for me to receive. This is completely unacceptable. I did nothing wrong, and each time I attempted to make the purchase I correctly entered the security code they texted me and yet they still blocked the transaction. Now through no fault of my own I am without access to this credit card for at least a week.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
TD BANK USA/TARGET CREDIT has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so TD BANK USA/TARGET CREDIT does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting a formal complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i ( a ), and 1681s-2. 
On XX/XX/year>, I sent a notarized, certified letter to TransUnion titled Request to Provide Method of Verification. This was my third dispute with TransUnion regarding multiple derogatory accounts and inaccurate personal information that continue to appear on my credit report despite repeated disputes. 
In my letter, I requested detailed documentation and verification of the reinvestigation process, including : Certified documents reviewed Copies of communication with furnishers Identity and credentials of the TransUnion employee who handled the disputes Exact method used to verify the disputed items The disputed items included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( address : XXXXXXXX XXXX XXXX XXXX  ; name : XXXX XXXX ) I have not received any meaningful, non-template response from TransUnion nor any documentation proving the accuracy of these items. Their continued publication of these accounts without proper verification constitutes a failure to conduct a reasonable reinvestigation as required by FCRA 1681i, and violates 1681e ( b ) by failing to ensure the accuracy of the information reported. 
I specifically cited federal case law which makes clear that a consumer reporting agency must do more than merely parrot information from furnishers it must independently ensure the information is accurate. TransUnion has not met that legal standard.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect amount balance to Credit Bureau XXXX XXXX I have complained within the complaint service through XXXX but to not avail. The total amount I owe XXXX which includes refunds amount is XXXX, in which prior to the Promotional Financial payoff period I have to do deduct refunds amount before making my payment. 
I am requesting the correct amount balance to be reported to the Credit Bureau.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect amount balance to Credit Bureau XXXX XXXX I have complained within the complaint service through XXXX but to not avail. The total amount I owe XXXX which includes refunds amount is XXXX, in which prior to the Promotional Financial payoff period I have to do deduct refunds amount before making my payment. 
I am requesting the correct amount balance to be reported to the Credit Bureau.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company reported that I owe a debt of {$100.00} to this company. I have never done any business or any transactions with the company. I have never received any written notices by email nor mail from this company claiming that I owe a debt to ( I.C. SYSTEM, INC ) furthermore they do not have any contracts with my signature. They do not have any of my correct or current information. They can not provide you with my current address to prove that they have sent any notices nor can they provide you with any emails showing they have sent any notices. Any debt that they believe I owe. I am writing in response to I.C. SYSTEM, INC recent debt that was reported to the credit bureaus regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of the debt, as required by 15 U.S.C. 1692g and Regulation F.

Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt and a breakdown of fees or interest.

3. Documentation verifying that I am legally obligated to pay this debt.

4. A copy of any judgment ( if applicable ). 

Until you provide this information, please cease collection activities and do not report this debt to any credit bureau. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am requesting that you cease all communication with me regarding any alleged debt you claim I owe. 

Please be advised that any further contact by your agency, except to notify me of specific legal action, will be considered a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office.

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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX TXXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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