vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-14 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: FL

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-14 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 am writing to dispute certain items on my Experian credit report that I believe are inaccurate or incomplete. These items are adversely affecting my creditworthiness, and I respectfully request your investigation into the following accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX CARD, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX CARD, Date : XX/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 explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I went to XXXX and XXXX XXXX to get a soft inquiry on an auto loan that I was thinking about getting XXXX XXXX like they said, and it was a soft inquiry, but XXXX on the other hand did a hard inquiry on my credit report through Equifax that dropped my credit score and now I have a two year hard inquiry on my credit report I contacted Equifax at around XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX and they said I can open the dispute and they would request additional information for me. They never requested additional information from me and within 12 hours they closed the dispute saying that they found there was no fraudulent activity when I never gave them any confirmation that they could run my credit report. I have the documentation where they stay on the page twice that it will be a soft inquiry and not affect my credit report and instantly my credit report dropped XXXX to XXXX points and now I have a XXXX inquiry on my credit report for the next two years. I have tried to contact Equifax three separate times by phone and put in this dispute. They have not been answering my calls when I get to a customer service rep they say theres nothing they can do. I dont understand how theres nothing that they can do for a fraudulent report on my credit report. it very clearly says on the page. It is a soft in court and will not affect my credit report two separate times and I took screenshots because I had a feeling that they were going to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I affirm that the erroneous late payment entries on my accounts breach 15 USC 1666. I have consistently made timely payments, and these reporting mistakes are both improper and illegal.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On Saturday XX/XX/year> @ approximately XXXX, I went to Citizens bank on XXXX XXXX XXXX to deposit money into my account. I was depositing cash in the amount of {$600.00}. I quickly realized that the ATM machine was down so I went in for further assistance. The cashier ( XXXX XXXX took my deposit and gave me a receipt of funds, after which saying the systems were down online so it may take a few minutes to show on my online portal. I was hesitant but at this point she had already place the money into the machine at which time I had no more access. The bank was closing soon so I figured Id check back Monday the XXXX on the deposited amount. Monday came and still no sign of my funds. So I went to the bank where I spoke briefly with XXXX, explained my situation ( which she handled on the XXXX ) and she immediately sent me to customer care with a lady name XXXX. XXXX, heard me out, reached out to the back office, asked for a credit to my account and every attempt was blocked saying we had to place a complaint and a request for funds and that my money will then be released no later than Wednesday the XXXX of XXXX. Since I could do nothing else I said ok, filed the request and left. By Wednesday afternoon there was still NO MONEY returned. I called the bank that afternoon spoke with the manager and customer care again ( XXXX ) and she repeated the process from before this time assuring me that the funds would be returned no later than Friday morning since ( Tuesday the XXXX had been a holiday ). Furious at this point but still not able to do anything I waited again. Here we are presently Friday XX/XX/XXXX and still NO MONEY returned. Keep in mind, the money I deposited was mines, CASH, no check, no money order, pure CASH and still I have not been compensated. There has been no communication from the bank and no one has contacted me. I have banked with citizens bank since I was old enough to have my XXXX account and I am XXXX XXXX XXXX now. So that should tell you something. I have never been so disappointed in my bank before. All I want is MY money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-11-14 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: IN

Complaint narrative:
Follow-Up Dispute Demand for Deletion of XXXX Account Due to Ongoing FCRA Violations This is a follow-up demand regarding the JPMCB/Chase credit card account that continues to be reported inaccurately on my credit reports. I previously disputed this account, and the bureaus and furnisher have failed to correct or verify the information as required under the Fair Credit Reporting Act ( FCRA ). 

The account is still being reported with the following false and contradictory information, as shown in the most recent XXXX XXXX data updated XX/XX/XXXX : Reported balance : {$2600.00} on an account that XXXX stated is closed and charged off Account status : Closed by credit grantor Remarks : Profit and loss write-off Worst status : XXXX days late Account closed XX/XX/XXXX, yet XXXX  continues to update new derogatory statuses in XXXX and XXXX Updating a closed/charged-off balance as if it is newly delinquent is factually impossible and misleading Under FCRA 1681s-2 ( a ) and 1681s-2 ( b ), furnishers may NOT : 1. Report information they know or should know is inaccurate 2. Continue reporting unverifiable information 3. Misrepresent the payment history of a closed/charged-off account 4. Report ongoing delinquencies on an account that is no longer open 5. Create misleading impressions about the current status of an account This furnisher is in clear violation of : FCRA 602 ( A ) reporting that is misleading or creates an incorrect impression FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 failure to reasonably investigate my dispute FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate FCRA 623 ( b ) failure to verify accuracy after a dispute Because XXXX has provided no valid verification, and continues to report inaccurate and impossible late payments long after the account was closed, this account can not be verified and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
XXXX XXXX XXXX. DATE XX/XX/year> AMOUNT {$1400.00} I REQUEST FOR DOCUMENT AND OR CONTRACT THAT HAVE BEING SIGNED BY ME AND ANY PROVE THAT ME AND THIS COMPANY HAD ANY AGGREMENT WITH ANY SERVICES THEY PROVIDED. 

Re : Demand for Compliance With Federal Consumer Protection Laws ( 15 U.S.C. 6802, 15 U.S.C. 1681b, 18 U.S.C. 1028A ) To Whom It May Concern : I am writing to formally notify your agencies that I require immediate compliance with federal consumer protection laws regarding the collection, use, disclosure, and verification of my personal information. This letter serves as an official demand under the following statutes : 1. 15 U.S.C. 6802 Privacy Requirements ( GrammLeachBliley Act ) Under this statute, financial institutions and related entities are prohibited from disclosing or using a consumers non-public personal information without proper authorization, notice, and safeguards. 
I hereby request disclosure of any and all entities to whom you have furnished, shared, or otherwise distributed my personal identifying information and the lawful basis for doing so.

2. 15 U.S.C. 1681b Permissible Purposes of Consumer Reports ( FCRA ) Under the Fair Credit Reporting Act, a consumer reporting agency may only furnish a credit report for specific, legally permissible purposes.

I demand a full list of all parties that have obtained my consumer report, along with the permissible purpose you used to justify each disclosure.

If any access to my report was not supported by a legally valid permissible purpose, you must immediately : Remove any resulting inquiries or data, Block any unauthorized accounts or information, Provide written confirmation of these actions.

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 2025-11-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-14 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-14 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:
I am writing to formally dispute certain entries on my Equifax credit report. The following accounts are inaccurately reported, and I believe they should be corrected or removed : INQUIRIES : XXXX, Date : XX/XX/scrub>XXXX XXXX, Date : XX/XX/year> XXXX, Date : XX/XX/year> XXXX, Date : XX/XX/year>XXXX XXXX, Date : XX/XX/year>XXXX XXXX Date : XXXX/XXXX/202

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I have been disputing this account for well over 90 days, and I still have not received ANY verification of this alleged debt. Since you and the credit bureaus clearly dont know what verification means under federal law, let me list it for you because apparently consumers now have to teach you how to do your job. Under FCRA 611 ( a ), FCRA 607 ( b ), and FCRA 623 ( a ) ( 1 ) ( A ), you are legally required to provide documentation proving the accuracy of the information you furnish. Under FDCPA 809 ( a ), a collector must provide full validation not stall letters, not computer-generated responses, and not copies of my credit report.

Since you havent provided ANY of the required verification, here is what LEGALLY qualifies as verification of a debt : The original signed contract or agreement Full billing statements for all months you claim the debt was owed A complete payment history ledger showing every charge, every payment, and every date anything was posted Proof of ownership or assignment, including the chain of title Itemized breakdown of fees, charges, penalties, and balances System screenshots showing the date the account became delinquent That is what the FDCPA, FCRA, and XXXX require NOT excuses, NOT verified through automated system, and NOT recycled printouts of my own credit report. 
And just to be clear, because the credit bureaus love to gaslight consumers with fraudulent fraud alert stall letters : I am not claiming identity theft, I am not using a credit repair service, and I did not request freezes or alerts on my file. I simply know the law, I know how to read, and unlike you, I actually Googled the federal statutes you are supposed to follow. 
After XXXX days of stalling and refusing to comply with the law, this furnisher has failed every single requirement of the FCRA XXXX the FDCPA, and XXXX XXXX XXXX XXXX XXXX XXXX Continuing to report information you CAN NOT verify is illegal, and it is causing real harm to my creditworthiness.

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 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
I am filing this complaint because I was directly misled by The Art Institutes deceptive recruitment practices, which have since been confirmed by the U.S. Department of Education and multiple state attorneys general. I was promised high employment rates, strong career placement, and competitive salaries, claims that influenced my decision to enroll and take on private student loans. The school heavily pressured me into accepting limited financing options, presenting high-interest private loans as the only way to continue my education. As a result, I am now facing interest rates so high that I will ultimately pay more than 3.5 times the amount I originally borrowed. Despite exhausting every available forbearance, the payments remain unmanageable, and when they fall behind, Mohela calls XXXX times per day from multiple numbers, creating a harassing and emotionally distressing environment. This debt has also severely damaged my credit to the point where I have been unable to refinance, leaving me trapped at these predatory interest rates. After decades of trying to pay what I can, this situation has caused significant financial strain, emotional distress, and long-term harm to my overall well-being. I am requesting loan discharge because I relied on promises that were false, and I have been burdened for decades by debt created through fraudulent and misleading practices that I had no fair or informed way to avoid.

Company response to consumer: Closed with explanation