vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
Summary : I am disputing inaccurate and harmful credit reporting by XXXX XXXX for a student loan I was unaware they serviced. 
What happened : My only known student loan was with XXXX XXXX, in deferred status. I had no prior relationship or account with XXXX. I did not receive mailed statements or verified notification that my loan was transferred to XXXX. The only contact was through emails that appeared to be phishing attempts, which I reasonably disregarded. 
XX/XX/year>, my credit score dropped XXXX points due to XXXX reporting my account as 90+ days late. Upon calling XXXX, I was told they could defer the account and remove the missed payments from their records which they have done. This demonstrates that the original derogatory reporting was the result of a servicing/communication failure, not a refusal to pay. 
Despite correcting their internal records, XXXX has not ensured the removal of this inaccurate negative mark from the credit bureaus. This inaccuracy has caused significant harm to my credit standing and financial opportunities. 
I am requesting that XXXX immediately update all credit bureaus to reflect the accurate status of my account deferred with no missed payments and delete the prior derogatory reporting. I also request that the CFPB review their servicing practices, as there appear to be numerous public complaints from borrowers experiencing the same lack of notice and resulting credit damage.

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 2025-08-12 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-13 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 am filing this complaint against EQUIFAX for willfully and negligently violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and U.S. federal law by continuing to report inaccurate and unverified information on my credit file. Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Additionally, under 15 U.S.C. 1681i ( a ), EQUIFAX is obligated to conduct a reasonable reinvestigation of disputed information. These statutory duties have not been met, and EQUIFAXs continued reporting constitutes both negligent and willful noncompliance. 

The accounts in question are : XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX This account has been closed for years, yet EQUIFAX continues to inaccurately report its current status as Late 30 days, 60 days, 90 days. Such reporting is false and misleading for a closed account, violating 15 U.S.C. 1681e ( b ). This account must be updated to Paid as Agreed or removed entirely for inaccurate reporting. 

XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Balance : - {$190.00} This debt resulted from fraudulent charges. Under the XXXX Zero Liability Policy and 15 U.S.C. 1681c-2 ( a ), I am not liable for charges resulting from identity theft or fraud. EQUIFAXs continued reporting of this negative balance is inaccurate, unverified, and a violation of both the FCRA and federal consumer protection laws. If EQUIFAX can not provide documented verification from the furnisher proving the accuracy of this information, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing inaccurate payment history information regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : [ Your Account Number ] ). 

Your records indicate that in XX/XX/, I made a payment to this account and that the payment was returned. This is factually incorrect. 

My official XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX statement confirms : No payment was initiated to XXXXXXXX XXXX XXXXXXXX. or XXXX XXXX XXXX in XX/XX/2024. 
No ACH debit, XXXX XXXX, or other transaction to this creditor appears. 
No returned payment or reversal is present. 

This means the reported payment and return never occurred. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate, verify, and correct this inaccurate information.

I am requesting : 1. A full reinvestigation of the XX/XX/ payment history for this account. 
2. Removal or correction of the false payment made/returned entry from my credit report.

3. Written confirmation of the changes made.

Enclosed is my XX/XX/XXXX XXXX XXXX XXXX XXXX statement with unrelated transactions redacted, clearly showing no payment or return to XXXXXXXX XXXX XXXXXXXX. 

Please complete your reinvestigation within the required time frame and provide me with the results.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing inaccurate payment history information regarding my account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account Number : [ Your Account Number ] ). 

Your records indicate that in XX/XX/year>, I made a payment to this account and that the payment was returned. This is factually incorrect. 

My official XX/XX/year>XXXX XXXX XXXX XXXX XXXX  statement confirms : No payment was initiated to XXXXXXXX XXXX XXXX. or XXXX XXXX XXXX in XX/XX/year>. 
No ACH debit, XXXX XXXX, or other transaction to this creditor appears. 
No returned payment or reversal is present. 

This means the reported payment and return never occurred. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate, verify, and correct this inaccurate information.

I am requesting : 1. A full reinvestigation of the XX/XX/year> payment history for this account. 
2. Removal or correction of the false payment made/returned entry from my credit report.

3. Written confirmation of the changes made.

Enclosed is my XX/XX/scrub> XXXX XXXX XXXX XXXXXXXX statement with unrelated transactions redacted, clearly showing no payment or return to XXXXXXXX XXXX XXXX 

Please complete your reinvestigation within the required time frame and provide me with the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing inaccurate payment history information regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : [ Your Account Number ] ). 

Your records indicate that in XX/XX/year>, I made a payment to this account and that the payment was returned. This is factually incorrect. 

My official XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX  statement confirms : No payment was initiated to XXXXXXXX XXXX XXXX. or XXXX XXXX XXXX in XX/XX/year>. 
No ACH debit, XXXX XXXX, or other transaction to this creditor appears. 
No returned payment or reversal is present. 

This means the reported payment and return never occurred. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate, verify, and correct this inaccurate information.

I am requesting : 1. A full reinvestigation of the XX/XX/year> payment history for this account. 
2. Removal or correction of the false payment made/returned entry from my credit report.

3. Written confirmation of the changes made.

Enclosed is my XX/XX/year>XXXX XXXX XXXX XXXXXXXX statement with unrelated transactions redacted, clearly showing no payment or return to XXXX XXXX XXXXXXXX. 

Please complete your reinvestigation within the required time frame and provide me with the results.

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 2025-08-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>XXXX  I disputed a charge to my citi credit card. On XX/XX/year>XXXX  I was notified that the company sided with the merchant. On XX/XX/year>XXXX  I sent a letter to Citi with additional information and requesting they review their decision as I have never received any goods or services for the charge and the company simply submitted my agreement to pay for goods as proof that I was responsible. I have not received an update from Citi when I call I am unable to get any answers and am told to send a letter instead.

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 monetary relief
Consumer complaint received 2025-08-12 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance been reporting to the credit breaus stating i have been late on payments for XXXX and a XXXX  years now. They reporting the account as open when it was in collections since XXXX. Under the fair credit act they are not suppose to keep reporting to the credit breaus. Also they are saying last payment was in XX/XX/year> when in fact it was XXXX XXXX.They are abusing their authority to damage people credit score and stop people from progressing.

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 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-complian

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 2025-08-12 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: NY

Complaint narrative:
To Whom It May Concern : Pursuant to 15 U.S. Code 1681a ( 4 ). There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer privacy. The Right To Privacy means the right to not have ones personal matters disclosed or publicized. Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer and I did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, the loss of jobs and the invasion of my individual privacy. These should all be removed from my consumer report pursuant to 15 USC 1681b ( 2 ). I demand that these transactions are removed from my consumer report immediately, as they are a violation of my rights as a federally protected consumer under the title XXXX XXXX  XXXX XXXXXXXX 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 2025-08-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently discovered two hard inquiries on my credit report that I did not authorize and have no knowledge of initiating. The inquiries are from SYNCB/TJX XXXX and XXXX XXXX. I have never applied for credit or given these companies permission to access my credit file. These inquiries are unauthorized, have harmed my credit score, and may be the result of identity theft. I am requesting that they be investigated and removed.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-12 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: PA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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

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