vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
In XX/XX/scrub> 2021, I paid {$1000.00} toward a charged-off XXXX XXXX XXXX account with a balance of approximately {$1800.00}. I made this payment based on a phone call with a XXXX representative, who told me that if I made the payment, the account would be deleted from my credit report. 

I acted in good faith and made the payment, expecting the account to be removed. However, XXXX instead reported the account as a charge-off, which continues to significantly harm my credit report. I have since learned that the account was never deleted as verbally promised. 

I do not have a recording of the call, but I made the payment solely because of the representatives assurance that the account would be removed. I believe this qualifies as misleading communication and unfair credit reporting, especially considering that I fulfilled my part of the agreement. 

I contacted XXXX to resolve this and sent a goodwill deletion letter explaining the situation, but the account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX falsely reported twXXXX of my federal student loan accounts as 90 days late while they were in a Total and Permanent Disability ( TPD ) administrative forbearance, with no payment due. I was never late. XXXX admitted in writing on XXXX XXXX, 2025, that the 90-day delinquency was reported in error and that they would send corrections to the credit bureaus. 

However, Equifax resolved my dispute by merely updating the loan status from 90 Days Late to Current. I never made a payment to bring the account current this change is misleading and fails to remove the original inaccurate 90-day history, which continues to damage my credit. 

The FCRA requires that inaccurate information be fully corrected or deleted. The 90-day late mark never should have existed, and simply changing the account status going forward is not a full resolution. Ive suffered loss of credit, emotional distress, and credit score damage due to this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX falsely reported twXXXX of my federal student loan accounts as 90 days late while they were in a Total and Permanent Disability ( TPD ) administrative forbearance, with no payment due. I was never late. XXXX admitted in writing on XXXX XXXX, 2025, that the 90-day delinquency was reported in error and that they would send corrections to the credit bureaus. 

However, Equifax resolved my dispute by merely updating the loan status from 90 Days Late to Current. I never made a payment to bring the account current this change is misleading and fails to remove the original inaccurate 90-day history, which continues to damage my credit. 

The FCRA requires that inaccurate information be fully corrected or deleted. The 90-day late mark never should have existed, and simply changing the account status going forward is not a full resolution. Ive suffered loss of credit, emotional distress, and credit score damage due to this false reporting.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-17 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: LA

Complaint narrative:
dispute complaint based on the credit report you provided, identifying collection accounts that may violate federal law, particularly under : 15 U.S.C. 1681e ( b ) requiring credit bureaus to maintain accurate information.

15 U.S.C. 1681i ( a ) requiring reinvestigation of disputed data.

15 U.S.C. 1692e prohibiting false or misleading representations by debt collectors.

15 U.S.C. 1692g requiring debt validation.

CFPB Complaint Title : Inaccurate and Legally Noncompliant Collection Accounts Reported by Credit Bureaus in Violation of FCRA & FDCPA Details of the Complaint : I am filing this complaint regarding several collection and charge-off accounts listed on my credit reports by TransUnion, Equifax, and Experian, which violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my most recent XXXX credit report dated XX/XX/year>2024, I identified multiple accounts flagged as Collection or Chargeoff that are : Listed as collections without proper verification no debt validation has ever been provided under 15 U.S.C. 1692g ( b ).

Reporting accounts sold to other agencies but still listed with the prior collector a violation of 15 U.S.C. 1681e ( b ) due to inaccurate duplication and outdated furnishing.

Reported as collection/chargeoff with no lawful basis some were marked as seriously past due or internal collection, but show no lawful debt ownership or validation.

Remain on my report despite repeated disputes and no conclusive response or deletion in violation of 15 U.S.C. 1681i ( a ) which requires reinvestigation and deletion if unverifiable.

Notable examples flagged in the report : Numerous tradelines across TransUnion, Equifax, and Experian are labeled : " Collection/Chargeoff, '' " Placed for collection, '' " Assigned to attorney or collection agency. '' These remarks were listed without providing verification as mandated by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: LA

Complaint narrative:
dispute complaint based on the credit report you provided, identifying collection accounts that may violate federal law, particularly under : 15 U.S.C. 1681e ( b ) requiring credit bureaus to maintain accurate information.

15 U.S.C. 1681i ( a ) requiring reinvestigation of disputed data.

15 U.S.C. 1692e prohibiting false or misleading representations by debt collectors.

15 U.S.C. 1692g requiring debt validation.

CFPB Complaint Title : Inaccurate and Legally Noncompliant Collection Accounts Reported by Credit Bureaus in Violation of FCRA & FDCPA Details of the Complaint : I am filing this complaint regarding several collection and charge-off accounts listed on my credit reports by TransUnion, Equifax, and Experian, which violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my most recent XXXX credit report dated XX/XX/year>2024, I identified multiple accounts flagged as Collection or Chargeoff that are : Listed as collections without proper verification no debt validation has ever been provided under 15 U.S.C. 1692g ( b ).

Reporting accounts sold to other agencies but still listed with the prior collector a violation of 15 U.S.C. 1681e ( b ) due to inaccurate duplication and outdated furnishing.

Reported as collection/chargeoff with no lawful basis some were marked as seriously past due or internal collection, but show no lawful debt ownership or validation.

Remain on my report despite repeated disputes and no conclusive response or deletion in violation of 15 U.S.C. 1681i ( a ) which requires reinvestigation and deletion if unverifiable.

Notable examples flagged in the report : Numerous tradelines across TransUnion, Equifax, and Experian are labeled : " Collection/Chargeoff, '' " Placed for collection, '' " Assigned to attorney or collection agency. '' These remarks were listed without providing verification as mandated by federal 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
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I am writing to dispute a hard inquiry that appears on my credit report without my consent. The inquiry in question is listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no recollection of authorizing this inquiry, and I believe it was made without my permission. 
I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the inquiry has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
The are charging me interest on a loan that was deferred and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Paid statement amount due, and received an email on XX/XX/XXXX stating the the payment had been processed on XX/XX/XXXX. On XX/XX/XXXX I closed the checking account from the credit union to a new bank account. The credit union confirmed ( verbally ). The funds had been paid. 7 days later my card gets closed for bounced payment. At no time was I ever notified that anything was returned nor able to fix and make whole. I would not have closed the account if the money was still pending. Also to add this was an extra payment on the credit card I had already paid on just 15 days before all of this.

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 2025-05-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Remove all inaccurate accounts and account information from my personal credit reports. Remove all reinserted accounts which did not provide the 5 day notice prior to reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Caramel Dealer Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I submitted a {$6000.00} down payment and fully paid for a XXXX XXXX XXXX XXXXXXXX through Caramel Dealer Services. On XX/XX/XXXX, I signed a retail installment contract with XXXX XXXX, and by XX/XX/XXXX, the contract was finalized. The vehicle has been insured since XX/XX/XXXX, costing me over {$3500.00} to date, despite the fact that as of XX/XX/XXXX, I still have not received or even seen the XXXX. 

I have made multiple good-faith attempts to resolve this : I have requested that the first payment date be moved to reflect the actual date of deliverythey refused. Said I would have to reapply for the loan, and go thru the entire process again, in an attempt to stop me from re doing the contract, which in itself is dishonorable. 

I have asked for reimbursement of the {$3500.00} in insurance premiums Ive paid for a vehicle Ive never hadthey refused. IT costs {$120.00} per day, we are going into day 15, which would equate to {$1800.00} in losses on insurance alone. 

I requested acknowledgment of over {$10000.00} in lost business contracts while I remain stranded in XXXX XXXXwaiting on delivery that never came. 

Instead, they are now attempting to deliver the XXXX with only 7 days left before the first payment is due, and still expect full monthly paymentas if Ive had use of the XXXX for 30 days. That is bad faith. 

Worse, theyre engaging in a blame game : Caramel blames XXXX XXXX 

XXXX blames Caramel. 

XXXX plays dumb and keeps looping me through repetitive steps. 

No one is taking responsibility, and they are violating basic fiduciary principles by holding my money, delaying delivery, and refusing fair remedies, all while I absorb financial loss. 

Let me be clear : I upheld my end of the contractI paid, I signed, and I insured. They failed to deliver, theyre not willing to adjust or correct that failure, and they continue to act in bad faith. 

If this goes to court, I will pursue damages far exceeding the value of the XXXX, based on : Breach of contract Unjust enrichment Fiduciary violations Lost income Emotional distress And I will win. If your company doubts that, I implore you to continue to violate state and federal law. 

Such behavior is dangerous, unethical, and may even rise to the level of multi-state fraud if others have been affected similarly. Im requesting immediate intervention by the CFPB to hold all involved parties accountable. 

I understand that, with a nation of over XXXX XXXX citizens, I am not naive enough to believe that I am the only one experiencing this injustice and violation of my consumer rights. It feels systemic, intentional, and should be reported to SEC/DOJ/CFPB/FTC/FINRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist, Formal Dispute, and Demand for Deletion Account # XXXX Dear Spectrum, This letter serves as your formal notice that I am disputing the validity, accuracy, and continued reporting of the alleged account referenced above, which you have reported to one or more credit reporting agencies. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 5 ), I am requesting immediate deletion of this account from all consumer credit reports where it is being reported. 

As you are required by law, you must be able to verify the accuracy and ownership of the alleged debt with original documentation. Merely restating account data is insufficient under the FCRA. If you are unable or unwilling to provide verifiable evidence, you must delete the account entirely and cease all collection activity and reporting. 

Furthermore, this letter constitutes a formal cease and desist demand. You are hereby instructed to cease all collection efforts and communication with me regarding this account, whether by phone, mail, or through any third party. 

Be advised that if you fail to comply with this request within 30 to 45 days, I will pursue all available legal remedies. This includes : 1. Initiating binding arbitration under any applicable agreements or in accordance with rules outlined by the XXXX or XXXX. 
2. Filing a lawsuit in a court of competent jurisdiction for statutory damages up to {$1000.00} under 15 U.S.C. 1681n, and additional damages as permitted by law.

3. Reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 

I have preserved copies of all correspondence and records and will submit them as evidence if necessary. 

Failure to honor this request will result in immediate escalation. This is your opportunity to resolve this matter amicably and legally. I expect written confirmation of the deletion of this account from all credit reporting agencies within the statutory time frame. 

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 2025-05-17 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: SC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Cease and Desist, Formal Dispute, and Demand for Deletion Account # XXXX Dear Spectrum, This letter serves as your formal notice that I am disputing the validity, accuracy, and continued reporting of the alleged account referenced above, which you have reported to one or more credit reporting agencies. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 5 ), I am requesting immediate deletion of this account from all consumer credit reports where it is being reported. 

As you are required by law, you must be able to verify the accuracy and ownership of the alleged debt with original documentation. Merely restating account data is insufficient under the FCRA. If you are unable or unwilling to provide verifiable evidence, you must delete the account entirely and cease all collection activity and reporting. 

Furthermore, this letter constitutes a formal cease and desist demand. You are hereby instructed to cease all collection efforts and communication with me regarding this account, whether by phone, mail, or through any third party. 

Be advised that if you fail to comply with this request within 30 to 45 days, I will pursue all available legal remedies. This includes : 1. Initiating binding arbitration under any applicable agreements or in accordance with rules outlined by the XXXX or XXXX. 
2. Filing a lawsuit in a court of competent jurisdiction for statutory damages up to {$1000.00} under 15 U.S.C. 1681n, and additional damages as permitted by law.

3. Reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 

I have preserved copies of all correspondence and records and will submit them as evidence if necessary. 

Failure to honor this request will result in immediate escalation. This is your opportunity to resolve this matter amicably and legally. I expect written confirmation of the deletion of this account from all credit reporting agencies within the statutory time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: LA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for reporting inaccurate late payment notations on several accounts within my credit profile. These notations are either : Factually incorrect I was not late on these payments. 

Reported during periods of deferment or forbearance especially applicable to student loan accounts. 

Remain despite successful disputes and no validation by data furnishers. 

Violations of Federal Law : 15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting late payments that never occurred or occurred during a deferment/forbearance period clearly violates this requirement.

15 U.S. Code 1681i ( a ) : After submitting disputes, the bureaus are required to reinvestigate the items in question. The disputed late payments were not adequately investigated, nor removed despite insufficient verification.

15 U.S. Code 1681s-2 ( b ) : Data furnishers must promptly correct and update information that is inaccurate or incomplete. The creditors in question failed to update the inaccurate reporting.

Fair Debt Collection Practices Act ( FDCPA ) : In cases where collection agencies or servicers were involved, the reporting of false derogatory marks without validation also violates 15 U.S. Code 1692e ( false or misleading representations ).

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