vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: ME

Complaint narrative:
ATTN : EXPERIAN EQUIFAX TRANSUNIONACCORDANCE TO TITLE 15 USC 6801ab1234 PROTECTION OF NON-PUBLIC INFORMATION I DIDNT GIVE WRITTEN CONSNT TO THAVE THESE TRUST PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED ON MY CONSUMER REPORTS ALSO USC 1681Ga1b23abc456cde7 9 10 11 12 DISCLOSURES TO CONSUMERS ALSO USC 6802 AND USC 6803 THE ACCOUNTS READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX, DEPTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED ACCTS FROM MY CONSUMERS REPORTS THANK YOUR SIRS : MA'AM THIS IS AN CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT ALSO VILATION TO FERPA ACT STUDENT LOAN REHABE OF CREDIT 1681AB2 THIS IS FRAUF THANKS THANKS THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
b'I am a victim of XXXX. The information listed below, which appears on my credit report,\n is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Its incredibly distressing to see false, incorrect, and inaccurate information reported under my name. Ive worked hard and lived honestly, yet my credit report tells a different storyone filled with damaging errors that I did not create. As a consumer, I know I have rights and protections under the law, but this situation makes it feel like those rights are being ignored. 

These inaccuracies are already having a serious impact on my credit and my life. Im tired of living paycheck to paycheck while being denied credit because of errors Ive repeatedly tried to fix.

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 2025-06-30 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2600.00}

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 2025-06-30 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: OH

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 : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  Balance : {$190.00} Open Date XX/XX/XXXX ONEMAIN Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$3800.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} Open Date XX/XX/XXXX 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

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 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
They are reaching out to distant family members i don't deal with discussing things and they also let them call in ask questions and has them all of the information. I feel embarrassed and harrased. They are know for illegal practices. Also they left a huge packet on my door with no envelope open paper taped to my door for everyone to see and view. Neighbors thought it was an eviction!!! I'm stressed bad. I'm so upset and hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodleapLLC financed our new Florida ( XXXX XXXX XXXX ) air conditioner in the amount of {$14000.00}. We had one year to pay back the loan interest free. They sent a summation email about the load in a email including amount, terms and dates. The amount in the emai was ( intentionally I believe ) XXXX cents less than the contract price and I did not notice it.I paid it all back ahead of time in 10 months but missed the XXXX cents. Nobody from Goodleap ever mentioned the missing pennies. After the 12 month grace period was up, we were informed we owed a years worth of interest on the original XXXX amount to the tune of {$1200.00} - on a XXXX cents balance! 
They are unwilling to negotiate always replying you did not meet the terms of your agreement This is true but a rational person would notice the minute discrepancy and contact the borrower. Goodleap made no attempt to contact me before the penalty kicked in or negotiate the penalty afterwards.

My email chain communication with the company is attached Company is : GoodLeap LLC XXXX XXXX XXXX. 
XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Fraud charge of {$950.00} was made on my chase bank card, I disputed it, they refunded it, then denied it and removed the funds again, stating that it was authorized. When it was revealed the charge took place in XXXX XXXX while I am a full time resident of XXXX  and have never been to XXXX XXXX, chase bank told me I needed to provide proof of my being in XXXX  on the day of the transaction. I asked them how I could prove that and they told me they didnt know. I asked my case manager who visited me that day in XXXX XXXX XXXX  to write a treatment letter, which I then submitted to chase. They told me the proof was insufficient, but had no information or examples about what WOULD be sufficient. Chase is refusing to refund me almost a full month of my income. I am XXXX and on a fixed income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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 filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: OH

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 : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - {$780.00}

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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
have been engaged in an ongoing dispute with Goldman Sachs regarding a charge of {$3300.00} on my Apple Card, which they have refused to resolve since XX/XX/year>. Despite providing what I believe is substantial and compelling evidence to support my claim, my dispute has been denied and reopened XXXX times, each time for the same stated reason of insufficient evidence. I have continued to submit additional information with each reopening, yet the response from Goldman Sachs remains unchanged. 

Additionally, as a result of initiating this dispute, Goldman Sachs significantly reduced my credit limit. This action has negatively affected my credit utilization ratio and, in turn, my credit score, which I find unreasonable and punitive given that the dispute has not yet been resolved. 

I have made every effort to cooperate and provide documentation, but the ongoing pattern of denials and the companys refusal to acknowledge the evidence Ive submitted have left me frustrated and without resolution. I am seeking assistance from the CFPB to intervene, ensure my dispute is reviewed fairly, and have my original credit limit restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Im writing regarding an account that appears on my credit report which is currently involved in pending litigation. Given the active legal dispute surrounding this account, its continued presence on my credit file is not only inaccurate, but also misleading and premature. 

Until the legal process is resolved, any reporting of this account is incomplete at bestand at worst, a misrepresentation of the situation that could unfairly damage my creditworthiness. The Fair Credit Reporting Act ( FCRA ) clearly mandates that only accurate and fully verifiable information be reported. Reporting an account thats actively tied up in litigation violates both the spirit and the letter of that requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I requested a loan forgiveness about 2 years ago, the reason is because the school I went in the time did not really teach us anything, they treated me really bad to the point the owner of the school close the door on my face, and a lot things more. At the time I did not know anything about how the schools and loans work because i never needed one, so I was ignorant in that. Also I was scared of dropping out the school because they told me if I do that after 90 days I had to pay the whole loan and in the moment did not know that was gon na happen to me thats why I stayed there. Also I was going to the XXXX  when COVID-19 started so we had to stop going to school and started doing online XXXX  which for a XXXX XXXX thats no something that help us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX  XXXX XXXX, I am writing to formally dispute certain negative items on my credit report that I believe may be inaccurate and unfairly reported due to the XXXX  XXXX breach. 

As you are aware, in XXXX XXXX  suffered a data breach that exposed sensitive personal informationincluding Social Security numbers, birthdates, and credit dataof over XXXX XXXX consumers, including myself. Given the scale and nature of this breach, and that my personal data was compromised, I have reason to believe that one or more negative accounts on my credit file may have resulted from identity theft, fraud, or incorrect reporting stemming from that breach. 

Please conduct a full reinvestigation of the following items and remove them if they can not be verified with original signed documentation directly from the original creditor : National Credit Adjusters Account # XXXX ( first four digits ) last two digits are XXXX Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of the data you report. Given XXXX responsibility in the breach, and the potential that these negative items may have resulted from fraudulent use of my information, I request an immediate investigation and removal of these accounts if any aspect can not be fully verified. 


Please respond to this dispute in writing within the legally required time frame of 15 days. I am also requesting a copy of my updated credit report once your investigation is complete. 
Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: 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 explanation