vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: KY

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting on a student loan account currently serviced by XXXX XXXX XXXX ( XXXX ) and reflected in my credit reports. 

XXXX is reporting a XXXX  day delinquency for XX/XX/2025. However, XXXX did not begin servicing my loan until XX/XX/2025, as confirmed in the official loan transfer email I received directly from XXXX ( attached ). 

My first official payment due to XXXX was not until XX/XX/2025, and that payment was made on time. 

Despite this, XXXX is reporting a delinquency for a period they did not manage my loan, which is a violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ). 

While the loans origination date remains from XXXX, the servicer is not permitted to report late payments that occurred prior to their legal assignment of the account, unless they can verify and furnish billing data which they can not in this case. 

I previously disputed this with XXXX  and submitted the same transfer documentation. The bureau did not remove the inaccurate information. 

I am requesting that the CFPB assist in having XXXX remove the XXXX late mark from my record, as it is inaccurately attributed, unverifiable, and damaging to my credit history. I have included all relevant documentation. 

Thank you for your time and attention to this 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 non-monetary relief
Consumer complaint received 2025-05-21 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: KY

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting on a student loan account currently serviced by XXXX XXXX XXXX ( XXXX ) and reflected in my credit reports. 

XXXX is reporting a 90119 day delinquency for XX/XX/year>. However, XXXX did not begin servicing my loan until XX/XX/year>, as confirmed in the official loan transfer email I received directly from XXXX ( attached ). 

My first official payment due to XXXX was not until XX/XX/year>, and that payment was made on time. 

Despite this, XXXX is reporting a delinquency for a period they did not manage my loan, which is a violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ). 

While the loans origination date remains from XXXX, the servicer is not permitted to report late payments that occurred prior to their legal assignment of the account, unless they can verify and furnish billing data which they can not in this case. 

I previously disputed this with Experian and submitted the same transfer documentation. The bureau did not remove the inaccurate information. 

I am requesting that the CFPB assist in having XXXX remove the XXXX late mark from my record, as it is inaccurately attributed, unverifiable, and damaging to my credit history. I have included all relevant documentation. 

Thank you for your time and attention to this 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 2025-05-21 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-21 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-21 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report, remove these accounts from my report, they are hurting my ability to obtail credit

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 2025-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-21 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-21 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:
I am writing to formally state that the presence of fraudulent accounts on my credit report is significantly affecting my personal and financial well-being. These accounts were opened without my knowledge or consent and do not reflect my financial behavior or responsibilities. 
As a result of these inaccuracies : I have been denied access to necessary credit and financial services. 
My credit score has been severely impacted, limiting my ability to secure housing, loans, or business funding. 
The ongoing stress and time required to dispute these accounts have taken a toll on my mental and emotional health. 
I am experiencing difficulty rebuilding my financial reputation due to actions that were not my own.

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 2025-05-21 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: GA

Complaint narrative:
I am writing to formally state that the presence of fraudulent accounts on my credit report is significantly affecting my personal and financial well-being. These accounts were opened without my knowledge or consent and do not reflect my financial behavior or responsibilities. 
As a result of these inaccuracies : I have been denied access to necessary credit and financial services. 
My credit score has been severely impacted, limiting my ability to secure housing, loans, or business funding. 
The ongoing stress and time required to dispute these accounts have taken a toll on my mental and emotional health. 
I am experiencing difficulty rebuilding my financial reputation due to actions that were not my own.

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 2025-05-21 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 am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-05-21 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: GA

Complaint narrative:
Name listed on credit report is wrong. Addresses do not belong to me. Accounts that do not belong to 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 2025-05-21 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:
Name listed on credit report is wrong. Addresses do not belong to me. Accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The issue started in XXXX, 2025, when the site was down for 7-10 days, ( per the notification upon logging into the XXXX XXXX XXXX website ). Prior to the site going down for maintenance, I had scheduled a payment to pay off my balance in full in the amount of {$4400.00} ; however, when I went back into the site once it was up again, there was no record of my previously scheduled payment. Since there was no record of a scheduled payment and to ensure I had an on time payment, I went ahead and made a {$1500.00} payment on XX/XX/XXXX, and scheduled another payment in the amount of {$3000.00} to draft on XX/XX/XXXX, to pay off the most up to date balance in full. Well, both of the above noted scheduled payments, ( including the one there was no record of on the site ), were posted and drafted from my bank account on XXXX XXXX, 2025. Since then, I have been on the phone with customer service at least 10 times and have had multiple conversations, experienced several call disconnections, having to call back and start all over again with another representative. I have been told that they can not reverse the charge and that a paper check would have to be issued ( 7-10 business days ), which doesn't make sense to me since the overpayment was a direct result of site error. I have now been told multiple times that a check was issued, then lost, then reissued and mailed again, and most recently, that a check was never mailed in the first place. A different story every time, with the assurance that it is taken care of and to wait another 7-10 business days. I have yet to receive an explanation as to why the error occurred and as of today, XX/XX/XXXX, have still not received my refund for the overpayment, which according to their records was issued on XX/XX/XXXX in the amount of {$2600.00}. They are holding my money, with no explanation and no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am writing to request assistance dealing with Federal Student Aid as well as with my loan servicer, MOHELA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am going for Public Service Loan Forgiveness. I have been stuck at 118 qualifying payments, just 2 payments shy of forgiveness, for a year now. I was stuck in the SAVE forbearance. I applied to change my repayment plan to IBR in XX/XX/XXXX. That application was not processed until XX/XX/XXXX. I should have received 60 days worth of PSLF eligible time while that application was being processed, however, that was never applied to my account. I have called both FSA and MOHELA several times to get this issue rectified with no success. Additionally, I was successfully transferred to the IBR repayment plan in XX/XX/XXXX, however, MOHELA still has me placed in a forbearance making it impossible for me to get my last two payments done. I have called several times to ask that the forbearance be removed from my account with no success. I am writing to ask for your help with this matter. I have been a public service employee for over 10 years, working with XXXX XXXX  XXXX XXXX XXXX I would like to receive the student loan forgiveness that is rightfully owed to me that I should have received 10 months ago. Your help with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: IN

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

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 2025-05-21 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: IN

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

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 2025-05-21 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: MI

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 2025-05-21 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: MI

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit

Complaint narrative:
I am disputing how my paid VW Credit auto loan is being reported by XXXX  and XXXX. The account was paid in full on XX/XX/year>. Despite this, both bureaus continue to report the account as a charge-off with adverse information, even though there is a {$0.00} balance and no ongoing delinquency. 

XXXX  originally updated the record correctly showing the account as paid with no derogatory status but then reverted it back to charge-off status after I canceled a dispute. This reversal occurred even though an XXXX  agent confirmed by phone that the dispute was canceled and that the account was accurately updated. Their action to change it back has negatively impacted my report without justification. 

XXXX  has kept the account listed under Accounts with Adverse Information and shows the status as Account paid in full/ was a charge-off. I escalated this to XXXX, and they opened XXXX XXXX XXXX, confirming it was reviewed by a supervisor. However, they did not correct the report and failed to remove the derogatory classification, despite the account being paid in full. 

These reports are inaccurate, misleading, and damaging during employment background checks. I request that the VW Credit account be updated to reflect it was paid in full with no derogatory or charge-off remark and removed from the adverse account category.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AR

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 response to consumer: Closed with explanation