vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within XXXX days you have to delete this inaccurate information. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within XXXX days you have to delete this inaccurate information. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please verify this account. If you can not verify within XXXX  days you have to delete this inaccurate information. 

XXXX. XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within XXXX  days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-19 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loan servicer was switched during the covid hold on paying back student loans and when payments resumed, my contact info and payment information was lost and didnt allow me to make payments. I then received a late notice that made me delinquent and severely hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681, Section 602 states I have the right to privacy. 15 U.S.C 1681, Section 604a, Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2025-03-19 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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: CA

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against MRS BPO , LLC, a debt collection agency, for the following reasons : Incorrect or unverified debt reporting : MRS BPO is attempting to collect a debt that I do not recognize or have not received proper validation for.

Failure to provide debt validation : Despite my written request for validation, the agency failed to provide adequate documentation proving the legitimacy of the debt.

Potential FDCPA violations : MRS BPO may be engaging in unfair collection practices, which could be in violation of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against TransUnion for Incomplete and Inconsistent Reporting Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion regarding their handling of a dispute I recently submitted. The dispute concerns an account reported by XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). 

While I acknowledge the existence of this account, I have identified inconsistencies in how it is being reported, which raise concerns about XXXX verification process. Specifically : 1. Account Status : Unknown My credit report shows that the status of this collection account is Unknown, which contradicts its designation as a valid collection account. If the status is unknown, how can it be reported as a verified and accurate debt? 
2. Failure to Provide Proper Verification Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable investigation and provide sufficient documentation to verify disputed accounts. TransUnion has not provided clear verification of how they determined the accuracy of this account.

3. Potential Violation of FCRA The inconsistent reporting of this account raises concerns that TransUnion did not conduct a proper investigation as required by law. The Unknown status suggests that even TransUnion may not have fully verified this account, yet they refused to correct or remove the 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 non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I filled out online disputes on correcting items on my Experian reports on the following infromation : Names and aka 's i dont use Telephone numbers that are not mine Address that i dont live at or heard of Under notices they have a business name that not mine never worked or have a business? 

Please I tried several attempts to have them remove or correct nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I filled out online disputes on correcting items on my Experian reports on the following infromation : Names and aka 's i dont use Telephone numbers that are not mine Address that i dont live at or heard of Under notices they have a business name that not mine never worked or have a business? 

Please I tried several attempts to have them remove or correct nothing has been done

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 2025-03-20 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:
These accounts were supposed to be removed and its still on my account and theres no option for me to remove them. You guys told me they were removed and they are on XXXX but not on XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO.
State: DC

Complaint narrative:
I bought a vehicle from my employer, the same day that I sold a vehicle for them so I was understandably very occupied mentally and things could definitely have been pulled over my eyes in the moment. And due to learning the ins and outs of the car business and watching previous deals, I saw all the pitfalls and all the opportunities to exploit a consumer, and Im not too nave to think that the same was done with my deal. I was told some add on products are a no-brainer and was convinced by the whole staff to grab three out of three products if not more and I was given reasons why they would buy it and why I should buy it, but it felt like If I didnt get it, I would get a worse deal or I wouldnt get more incentives because I didnt want to patronize their products and help their finance managers get paid. I worked hard to get a XXXX XXXX XXXX but still ended up with a XXXX a month payment even though this is my first loan I did witness a lot of other people with lower credit scores, get a lower monthly payment on a similarly priced vehicle. And then a month or two after I bought my vehicle I was told by HR that I was overcharged by the finance manager over the legal limit that XXXX as an employer can charge their employees for a service/product and I was refunded a {$2600.00} check saying that it an accident and sorry. Then I later found out that the specific finance manager who did my deal, no longer works with there, which is convenient because after exploited me, he no longer worked there, I found that interesting. This is just the consumer side, but I definitely witnessed a lot of high-pressure sales tactics and bait and switching on the employee side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Deletion of Inaccurate Late Payment Entries Dear XXXX I am writing to dispute inaccurate information on my credit report under 15 U.S. Code 1681 ( Fair Credit Reporting Act, FCRA ). Upon reviewing my credit report, I noticed that late payments have been reported on my account ( s ) for the following [ account name or number ]. I believe these late payments are either incorrect or incomplete, and I am requesting that these entries be investigated and removed from my report as per the rights afforded to me under the FCRA.

The relevant law under 15 U.S. Code 1681s-2 ( b ) requires that the furnisher of the information ( in this case, the creditor reporting the late payment ) must investigate any dispute within a reasonable period of time and correct or delete any inaccurate or incomplete information. Based on my records, the reported late payments were either processed incorrectly, or there were circumstances that led to incorrect reporting. 

The following account ( XXXX ) are disputed : Dept Of XXXX XXXX XXXX XXXX Late Payment Date ( XXXX ) : The entire reporting is inaccurate I respectfully request that you investigate this matter with the relevant creditor or lender and remove the reported late payments if they are found to be inaccurate or incomplete. I also ask that you send me the results of your investigation and the updated version of my credit report once the corrections are made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$17000.00} past due. Please verify the accuracy of this informationXXXX XXXX XXXX XXXX  XXXX ( Account # XXXX ) Collection account with a {$890.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX XXXX XXXX  ( Account # XXXX ) XXXX  account with a {$130.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation.

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 2025-03-20 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:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$17000.00} past due. Please verify the accuracy of this informationXXXX XXXX XXXX XXXX  XXXX ( Account # XXXX ) Collection account with a {$890.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX XXXX XXXX  ( Account # XXXX ) XXXX  account with a {$130.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : XXXX  Adjustment Request for Late Payment Removal Account # XXXX Dear Capital One I hope this letter finds you well. I am reaching out regarding my closed account, # XXXX which was previously held with your company. While I deeply appreciate the opportunity I had to do business with Capital One I recently noticed that my credit report still reflects late payments associated with this account. 

I take full responsibility for my financial obligations and deeply regret any missed or late payments. Unfortunately, during the time of the reported late payments, I was experiencing a hardship At the time of these late payments, I was laid off from my job due to unforeseen Medical issues, which temporarily affected my ability to keep up with payments. Since then, I have worked diligently to improve my financial habits and maintain a strong credit history. 

As a gesture of goodwill, I kindly request that you consider removing the late payment notations from my credit file. I fully understand the importance of on-time payments, and I have since taken steps to ensure that I never miss a payment again I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. Removing these late payments would greatly assist me in improving my financial standing, and I would be extremely grateful for your consideration. 

If there is any additional information you need to process this request, please feel free to contact me at XXXX Thank you for your time, and I sincerely appreciate your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief