vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-10 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: SD

Complaint narrative:
Are required under UCC S 9-611 and S 9-614. 
This is a failure deprived me of my right to redeem vehicle or understand amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation violating the fair credit reporting Act. ( 15 U.S code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this XXXX XXXX account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I am XXXX  XXXX XXXX service member. My wife and I are both eligible for the Military Lending Act. We both got credit cards from American Express in XX/XX/year> and expected to have the annual fee waived per the policy on the AMEX website but we both were still charged the fee after being approved for the cards. We called and message their customer support multiple times and they resubmitted their internal application for MLA coverage but we kept getting denied. The correspondence we received did not detail the reason. When speaking with customer service they were very unfamiliar with the MLA, some couldn't tell us why we were denied and others gave differing explanations inconsistent with the actual Military Lending Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was exposed to data breach. Please see attached documents.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was exposed to data breach. Please see attached documents.

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 2025-09-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It XXXX Concern : On XX/XX/year> I submitted a dispute regarding inaccurate information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and respond to a consumers dispute within XXXX  days of receiving it. 

It has now been more than XXXX  days since I filed my dispute, and I have not received a response or resolution within the legally required time frame. Since the credit bureau did not verify the disputed information within the time allowed by law, I am formally requesting that the unverified information be removed from my credit report immediately. 

Please provide me with an updated copy of my credit report reflecting this correction once it has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It XXXX Concern : On XX/XX/year> I submitted a dispute regarding inaccurate information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and respond to a consumers dispute within XXXX  days of receiving it. 

It has now been more than XXXX  days since I filed my dispute, and I have not received a response or resolution within the legally required time frame. Since the credit bureau did not verify the disputed information within the time allowed by law, I am formally requesting that the unverified information be removed from my credit report immediately. 

Please provide me with an updated copy of my credit report reflecting this correction once it has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I XXXX  in XX/XX/year>. Aidvantage will not let me begin payments or consolidate my loan because they say I am still enrolled. They told me to have my school change my status. I contacted the school, and they said the record was updated in XX/XX/year>. In the meantime, Aidvantage has charged me XXXX  of dollars in interest charges and I have no opportunity to pay down this bill to reduce the financed amount. This is a known issue with this financial institution. Because they have shown no interest in fixing the problem, I believe the decision must be predatory. The longer they can keep the full balance on the account without payments ; the higher their interest payments will grow in both the short-term and full term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't agree with account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injuries to my credit rating. 

furthermore, In accordance with the fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A_D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. 
Please forward me and updated credit report report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 




XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't agree with account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injuries to my credit rating. 

furthermore, In accordance with the fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A_D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. 
Please forward me and updated credit report report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 




XXXX 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-09 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: DE

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
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
Equifax has once again failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA 1681i and 1681e ( b ) ) in handling my dispute. Despite my original demand for clarification dated XX/XX/year>, Equifax has not provided a meaningful response to explain its reinvestigation procedures or demonstrate compliance with federal law. Instead of conducting a lawful and reasonable reinvestigation, Equifax appears to rely on automated processes and digital data exchanges ( such as e-OSCAR ), without obtaining or reviewing original account-level documentation from the furnisher. This failure to verify with actual source records violates the FCRAs requirement for maximum possible accuracy. 

The disputed account at issue XXXX  XXXX XXXX XXXX was already acknowledged by the bank as containing errors that needed correction. Yet, Equifax continues to report inaccurate information. Their refusal to either update or delete the unverifiable data demonstrates negligence, bad faith, and disregard for consumer rights. 

Equifax has a documented history of noncompliance, including being fined {$15.00} XXXX by the CFPB in XX/XX/year> for failing to conduct proper reinvestigations. Their repeated misconduct in my case shows this is not an isolated incident but part of a systemic problem. I am demanding that the CFPB hold Equifax accountable for its violations, compel immediate deletion of any unverifiable or inaccurate data, and impose all appropriate enforcement actions, fines, and penalties for its ongoing willful and negligent disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: DE

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 2025-09-10 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: DE

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 2025-09-09 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: NY

Complaint narrative:
XXXXNotice of dispute was sent to Transunion USPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX  I am formally demanding the removal of all XXXX   loan accounts you are currently reporting on my XXXX  credit file. These entries stem from my protected education records and were disclosed without my consent, in direct violation of the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C.  1232g(b), and the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681b, 1681c, 1681e(b), 1681s-2(a).  You do not have my written consent to obtain or disclose my personally identifiable education records. These accounts, including but not limited to those listed below, must be permanently removed:XXXXDept. of Ed / XXXX XXXXUnder FERPA, disclosure of student loan data without consent is unlawful. Under FCRA, you are reporting private, inaccurate, and unauthorized information without a permissible purpose (15 U.S.C.  1681b). You are also failing your duty to ensure maximum possible accuracy (15 U.S.C.  1681e(b)) and to delete unverifiable data (15 U.S.C.  1681i)XXXXThis unauthorized reporting has materially harmed me by damaging my credit profile, limiting access to financing, and causing significant emotional and financial distress. If this information is not removed within 14 calendar days, I will proceed to seek all available remedies, including but not limited to:\XXXXFiling complaints with the CFPB, FTC, XXXX, State Attorney General, and Department of Educations Inspector GeneralXXXXInitiating legal action or arbitration for violations under FERPA, FCRA, FDCPA, and TILA, with claims for actual, statutory, and equitable damages under 15 U.S.C.  1681n, 1681o'

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
A collection account from Fair Collections & Outsourcing ( XXXX ) for {$54000.00} appeared on my credit report related to XXXX XXXX 

During my tenancy, XXXX XXXX  failed to address major habitability violations including a severe water leak that damaged the floors and created unsafe living conditions. I made multiple requests to management to repair the issue, but they failed to act. 

I was never credited or compensated for the damages, and I have documentation of repeated requests and proof of property damage. Despite this, I was threatened with eviction, and now a collection has been reported for charges I dispute. 

I recently submitted a formal dispute letter to XXXX via certified mail requesting full validation and itemization of the debt. This debt is not valid, and the credit reporting is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX  has violated my rights.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation