vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly. i dont even have a contract with them!.

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 2025-05-04 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:
I am a victim of identity theft. A fraudulent auto loan account with XXXX XXXX XXXXXXXX was opened using my personal information and a fake drivers license. I have submitted a police report ( Case # XXXX ) and formally disputed this account with all three credit bureaus. Despite my efforts and documentation, XXXX XXXX XXXX continues to report this account as accurate on my TransUnion and Experian credit reports. This account is not mine, and I am requesting immediate removal as required under 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 2025-05-04 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:
I am a victim of identity theft. A fraudulent auto loan account with XXXX XXXX XXXXXXXX was opened using my personal information and a fake drivers license. I have submitted a police report ( Case # XXXX ) and formally disputed this account with all three credit bureaus. Despite my efforts and documentation, XXXX XXXX XXXX continues to report this account as accurate on my TransUnion and Experian credit reports. This account is not mine, and I am requesting immediate removal as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Status Paid in settlement. {$470.00} written off. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 

XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Paid in settlement {$300.00} written off. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 


XXXX XXXX Account number XXXX, Account type Auto Lease, Date opened XX/XX/XXXX, Status updated Paid in Full XX/XX/XXXX. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 

XXXX XXXX Account number XXXX Account type : Secured Loan Date opened XX/XX/XXXX Status Paid, Closed. {$550.00} written off. Status updated XX/XX/XXXX. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 

XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Paid in settlement. {$880.00} written off. Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Status Paid in settlement. {$470.00} written off. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 

XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Paid in settlement {$300.00} written off. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 


XXXX XXXX Account number XXXX, Account type Auto Lease, Date opened XX/XX/XXXX, Status updated Paid in Full XX/XX/XXXX. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 

XXXX XXXX Account number XXXX Account type : Secured Loan Date opened XX/XX/XXXX Status Paid, Closed. {$550.00} written off. Status updated XX/XX/XXXX. 
The creditor has agreed to remove this item from the credit report of the individual in this report. 

XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Paid in settlement. {$880.00} written off. Status updated XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I am requesting that ALL negative, inaccurate, and harmful information reported by XXXX XXXX Bank XXXX XXXX removed from my credit reports, and that any positive or helpful data be corrected and accurately reported. 

This account was charged off but has since been paid, and the balance is {$0.00} as of XX/XX/year>. However, my credit reports still show misleading, harmful, and inconsistent information that violates the Fair Credit Reporting Act ( FCRA ). 

Here are the problems : Experian and Equifax both show the account as a charge-off with multiple late payments, yet the TransUnion report shows XXXX late payments and no payment history at all. 

Equifax reports the account with XXXX late payments, Experian with XXXX, while TransUnion shows XXXX. These differences can not all be accurate. 

Equifax shows a high balance of {$130.00} but a credit limit of {$0.00}, while Experian and TransUnion show a credit limit of {$100.00}. 

Payment history is missing or marked as N/A for most months across all three bureaus. 

Remarks say Unpaid Balance Reported As A Loss and Charge-Off even though the account is closed with a {$0.00} balance. 

These reporting issues are damaging my credit and are unfair, especially after this account has been settled and closed. Per FCRA law, information must be accurate, complete, and verifiable this account fails all three. 

I am demanding : Immediate deletion of all negative remarks related to this account across Equifax, Experian, and TransUnion. 

Removal of all late payments, charge-off statuses, and collection remarks. 

Correction or deletion of payment history showing inconsistent or unverifiable data. 

Ensure that the account either reflects a fully paid, positive closed account or is completely removed from my credit reports. 

I am including screenshots of my credit reports from all three bureaus showing the conflicting and damaging information.

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 2025-05-03 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: TX

Complaint narrative:
Equifax reinserted too late payments that have been removed from my account SST medallion, they continually reinsert remove and re-insert different information depending on the credit report this reinsertion has cost me the ability to buy a home because it dropped my credit score 15 points before closing Equifax refuses to speak with me about it I am showing Multiple Equifax reports where these payments have been removed and reinserted this needs to stop Equifax needs And permanently block the information on these two late payments as either XXXX XXXX continues to try to re-insert them after they were removed or Equifax does it on their own. I am not sure. I just know that this is violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Initially I tried to reach out to the company for an unrelated issue. However XX/XX/XXXX, I found out that the lender is adding daily interest to the principal amount and adding interest on top of the daily amount. it was not disclosed to me at any point during the transaction, nor did I even see this information until today. According to the website I did not owe any payment until XXXX and they clearly highlighted my next payment date. I did double check this information several times just to make sure i knew when the next payment is due. ( the dashboard of the website ) Website said no payment due and listed a date in XXXX for my next due date after a lump sum payment of XXXX XXXX XXXX. The payment information is not prominently listed anywhere on the main page ; nor is it made to be conveniently viewable. can not view payment history directly on website, download only. I can not currently access or view any previous payment statements due to website error on lenders side again. The statements I do have currently show no information about how the payment is applied, how the interest is calculated, amount applied to primary, or how much interest. At no point during the sale of the vehicle was this disclosed to me that any amount outside of the principal would need repaid. ( XXXX roughly ). I have paid XXXX dollars. XX/XX/XXXX statement, would have been second month of purchase/second statement available to me. Balance owed onXX/XX/XXXX amount paid by me as of XX/XX/XXXX amount they are stating I owe is XXXX  I agreed to an amount. It was not agreed to that there would be an additional amount at any point, nor did they state they would charge me by the day, or that ANY AMOUNT OUTSIDE OF THE ORIGINAL BALANCE. I would love a copy of what was supposedly signed, however there is no document available to me on the website and I did not agree to XXXX The statements do not show any fees or late fees or penalties when I did get them however I am missing large portions of paper statements with them also asking for my address again. The address has not changed. There is no documentation I have available to me that I have or can view with the terms. I can not view how the money is being applied to what or how. Will be reaching out to them again and requesting documentation and escalation of the call if able to get through to anyone. THE STATEMENT ON THE MAIN WEBSITE DOES NOT GIVE PAYOUT AMOUNT BECAUSE THEY DONT WANT IT VISIBLE. I just found out XXXX this is why and attempted to pull a paper trail but can not. will reach out to them. will 100 % be refinancing the loan, and potentially reaching out to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: SD

Complaint narrative:
Dispute Subject : Incorrect and inconsistent reporting on closed XXXX account Details of the Issue : I am disputing inaccurate and conflicting information on a closed XXXX credit card account being reported to my credit file. 

The account was closed by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, a XXXX representative confirmed via phone that the balance was {$0.00} and the account was associated with prior fraud activity. I was advised to file disputes directly with the credit bureaus. 

I disputed the account with TransUnion, and the result was Approved. However, the reporting still reflects : A {$9400.00} balance ( should be {$0.00} ) Charge-off status Late payment history continuing long after the account was closed Payment history discrepancies ( some reports show 0 % on-time payments despite two years of current status, others show 31 % with no clarity ) This reporting is misleading and inconsistent. The last payment was in XX/XX/XXXX, yet payment data is still being reported or misrepresented in XXXX, XXXX, and XXXX. I have not received any collection activity or statements from XXXX for over two years, despite my address being up to date. 

This is materially harming my ability to qualify for a mortgage. I request this error be addressed immediately. 

Requested Action : Please investigate this account and take one of the following actions : Either remove this account entirely from my credit report, Or correct the record to reflect : {$0.00} balance Fraud notation ( if applicable ) Accurate payment history Closed status without any currently late or charge-off remarks This reporting violates the Fair Credit Reporting Act ( FCRA ) as the information being furnished is not accurate, complete, or non-misleading. 

Thank you for your attention to this urgent 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 2025-05-04 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: FL

Complaint narrative:
In XX/XX/year>, I asked Experian, TransUnion, and Equifax to delete the wrong address from 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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
There are a few transactions on my credit card that I do not recognize. I do not recognize the company. I never approved these transactions. As far as I know I looked up what XXXX was and it seems like its a credit card. I dont know why I would pay a credit card with a credit card Makes no sense. Theres just a couple transactions and I tried to dispute them online but for the life of me, Ive searched all over your website and can not figure out how to do it. The first transaction is on XX/XX/year> for $ {$2.00} there is a second transaction on XX/XX/year> for {$130.00} a third transaction XX/XX/year> for again {$130.00} it looks like its just those three transactions, but I did not approve these transactions. I dont even know what this company is and Ive definitely never done business with them. I want to dispute all three of these transactions as fraud. I still have my credit card please. I think I do. Im technically out of town so its not in my possession, but Im almost certain that its in my nightstand at home but nevertheless it clearly needs to be canceled if somebody else is using it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX  XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I went in to chase Bank with a friend of mine that is planning on investing in my company so a check made out to him from camping world ( written on chase Bank ) he endorsed to my company and i deposited it into my business account. The check cleared and the funds showed up on my account but now they put a restriction on my account and are threatening to close the account unless my friend has a phone that is registered to him so they can verify. So we literally went to XXXX XXXX  and opened up a new phone line and account for him so they can verify check but they are still saying the number isn't verified and they won't release the money. I can't touch any of the money that was in there already or anything. All my company stuff comes off that account and now I'm getting things shut off because they aren't able to run my payments due to account having restriction on it. Please help I'm a new small business that is barely making it as it is and this is going to completely bury me. I'm desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I asked Experian, TransUnion, and Equifax to delete the wrong address from 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 2025-05-04 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: FL

Complaint narrative:
In XX/XX/year>, I asked Experian, TransUnion, and Equifax to delete the wrong address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
recently review a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I paid off my student loan in full on XX/XX/2020, but it still shows up on my credit report as paid\closed\never late. After, XXXX yesrs why is this collection still showing up on all three of my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash app LLC knowingly and deliberately mislead me by having fake customer support numbers and employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Self Financial Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I used my Self Visa Credit Card ( with a {$300.00} limit ) to rent a car from XXXX. Without warning or fraud protection, Self allowed XXXX to charge over {$2000.00}, more than six times my credit limit. This was an egregious failure of their duty to monitor and control excessive charges on a secured credit product. 

By the time I discovered it, the account was already severely past due. I contacted both XXXX and Self to dispute the charges, but I was told it was too late. Instead of investigating or offering any resolution, Self closed the account and began reporting the debt as derogatory on my credit reports. Even worsethey continued charging late fees and interest as recently as XX/XX/XXXX, nearly two years after the charge and almost a full year after account closure in XX/XX/XXXX. 

This is unacceptable. Self enabled an excessive charge that shouldve never been allowed, refused to resolve the situation, and has continued to profit from late fees on an account they mishandled from the start. I am requesting that this account be removed from my credit reports entirely due to Selfs failure to protect the consumer, mishandling of the dispute process, and unethical fee practices

Company response to consumer: Closed with explanation