vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer

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 2025-08-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally disputing the account reported by XXXX XXXX that currently appears on my Experian credit report. 

The furnisher 's listed address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I attempted to contact this furnisher directly via certified mail to dispute the validity of this account, as permitted under the Fair Credit Reporting Act ( FCRA ). However, my certified letter was returned to me marked Addressee Unknown ( see attached receipt and return documentation ). This confirms that the address Experian is displaying is invalid and non-functional, which obstructs my ability to dispute the item as required under FCRA Section 611 and Section 623.

Furthermore, the account is showing an Opened Date of XX/XX/year>, which is factually incorrect, as I have not opened any new accounts. This inaccuracy alone is grounds for immediate deletion under the FCRA 's accuracy requirements. 

Because the account reflects inaccurate information and the listed furnisher can not be contacted at the address provided, this tradeline is both unverifiable and in violation of the FCRA. 

Requested Action : I respectfully request that Experian immediately delete this account from my credit report due to failure to meet FCRA standards of accuracy and verifiability.

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 2025-08-07 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: FL

Complaint narrative:
Given the unresolved contradictions and lack of documentation, I am demanding immediate deletion of this account from my credit report. The information currently reported can not be verified and is materially misleading, and its continued reporting constitutes willful non-compliance with 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 non-monetary relief
Consumer complaint received 2025-08-07 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:
I have several student loan accounts. 9 of them I believe. The balances range from $ XXXX {$6000.00} plus. Historically I have always made payments on or before the due date without fail. I do not recall exact dates but on multiple occasions over the past couple months Ive attempted to submit payment via XXXX online portal. On these occasions the website has been down and I get a message in red stating an unexpected error has occurred, please try again later. Unfortunately I do not have exact dates however when I spoke with the customer service rep over the phone I requested the dates and times that their system was unavailable only to be told that she could not provide that information. For this reason and this reason alone I missed a payment which has now caused my credit score to drop nearly XXXX points overnight. I attempted to call them directly as well as dispute via XXXX, equifax and XXXX  with no luck. Im out of options at this point. One of the balances has been closed, the other 8 accounts have been made current. Please help me get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several student loan accounts. 9 of them I believe. The balances range from $ XXXX {$6000.00} plus. Historically I have always made payments on or before the due date without fail. I do not recall exact dates but on multiple occasions over the past couple months Ive attempted to submit payment via XXXX online portal. On these occasions the website has been down and I get a message in red stating an unexpected error has occurred, please try again later. Unfortunately I do not have exact dates however when I spoke with the customer service rep over the phone I requested the dates and times that their system was unavailable only to be told that she could not provide that information. For this reason and this reason alone I missed a payment which has now caused my credit score to drop nearly XXXX points overnight. I attempted to call them directly as well as dispute via XXXX, XXXX  and Experian with no luck. XXXX out of options at this point. One of the balances has been closed, the other 8 accounts have been made current. Please help me get this resolved.

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 2025-08-07 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: TX

Complaint narrative:
I have several student loan accounts. 9 of them I believe. The balances range from $ XXXX {$6000.00} plus. Historically I have always made payments on or before the due date without fail. I do not recall exact dates but on multiple occasions over the past couple months Ive attempted to submit payment via XXXX online portal. On these occasions the website has been down and I get a message in red stating an unexpected error has occurred, please try again later. Unfortunately I do not have exact dates however when I spoke with the customer service rep over the phone I requested the dates and times that their system was unavailable only to be told that she could not provide that information. For this reason and this reason alone I missed a payment which has now caused my credit score to drop nearly XXXX points overnight. I attempted to call them directly as well as dispute via transunion, XXXX  and XXXX  with no luck. Im out of options at this point. One of the balances has been closed, the other 8 accounts have been made current. Please help me get this resolved.

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 2025-08-07 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: WI

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I found an inaccurate negative items on my credit report. I filed an ftc report because my information on more than XXXX untrusted sites, i dont remember opening these accounts.I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable items.

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 2025-08-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am formally filing a complaint with CITICARDS CBNA regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
This company have harassed me and have made several attempts to collect a debt of {$170.00} that do not belong to me. I have not conducted business with any of these companies that have falsified the charge of {$170.00}. Neither company can provide proof or information of this charge or who made the charge and when. I want this harassment stopped and compensation for the hardship, mental stress and punitive can't caused. I attest to this true statement. XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  Did Not Consent To The Following Inquires That Im About To Provide I Had No Knowledge At The Time That Inquiries Was MadeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Reached Out To Credit Breau And They Didnt Respond In A Timely Matter'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
Hello, XXXX reaching out for help regarding some accounts on my credit report that I didnt open or authorize. I wasnt informed about them either. As stated under XXXX XXXX, XXXX respectfully requesting their removal within XXXX  days. Ive attached the documents to support my request.

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 2025-08-07 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: GA

Complaint narrative:
I am requesting the permanent deletion of all fraudulent accounts and unauthorized inquiries listed in my dispute. These include multiple hard inquiries and accounts I did not authorize or open, as documented in my FTC Identity Theft Report. I am also requesting a corrected credit report reflecting the removal of all identity theftrelated information and written confirmation that these deletions have been completed. This should be done in accordance with FCRA 1681c2, which requires blocking such information within 4 business days. I expect full compliance within 15 business days of receipt. 

XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX I Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MOHELA
State: VA

Complaint narrative:
I DID NOT GIVE WRITTEN CONSENT TO REPORT THESE STUDENT LOANS TO MY CREDIT REPORT.I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details ALL MOHELA/DOFED LOANS ALL MISSOURI HIGHER EDUCATION ALL MOHELA/SERVICING Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: AR

Complaint narrative:
Im XXXX trying to utilize my SCRA, and I keep getting denied by my Loan company which they arent paying attention to what Im sending them because they believe that its only when you have a vehicle before the XXXX  that only SCRA is used and under * * 50 U.S.C. 3937 * *, the federal SCRA entitles me to this adjustment for any qualified debt, and under * * XXXX  XXXX XXXX * *, the 6 % cap is extended to debts incurred while on XXXX XXXX in XXXX. These statutes also require that any interest above 6 % be forgiven and not deferred.

Company response to consumer: Closed with explanation