vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
" 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! 

"

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 2025-07-31 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.

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
" 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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

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 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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX. 2025 due to unexplainable payment charges, fees, and misallocation of the funds I pay, causing a large balance, I entered into a payment arrangement to cover the balance. The payments were spilt into XXXX payments in addition to the regular payments. The due date was established and I made the payment on that date. I received a telephone call stating that I was 6 days late however, I paid the payment on time, online and have the confirmation to validate it. In addition my bank statement reflects the payment. I called the company and explained the situation. The representative told me that I am late on my XXXX payment however the payment arrangement I entered was to satisfy the payment that they misallocated months ago. The representative at first could not even find the payment arrangement. Then he tried to tell me that I didn't make the full payment. Next he stated that I came up with the agreement on my own. After some back and forth he tried to say I owed {$22.00}. I asked the representative how is that possible when I paid the payment and rounded to the XXXX XXXX. He could not. After being placed on hold he got back on the phone stating that I needed to make my payments on time. I did as agreed! I asked him to explain how I am XXXX days late when I paid it online and on time. He then said " oh you paid it online? '' He placed me back on hold only to come back and say that I owe more money. I offered to email my payment confirmation and the payment agreement. He did not accept my offer to prove what I was saying. Now due to this negligence they are going to report me to the credit bureaus as late when I in fact am complying with the terms the company presented to me. I paid on time. This company has been scamming me put of money for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: RI

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 2025-07-31 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: RI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
Check n go adding additional charges out breaching the contract where previous was never charge for {$64.00}. Check n go has never communicated about anything. Even though, thatll still be out of the agreement I have applied, just like the company charging me for two loans where it was paid off the first time due to retailer sending money the wrong account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I am disputing inaccurate information on my credit report related to a reinstated student loan serviced by Aidvantage XXXX XXXX. of XXXX ). As of XX/XX/year>, Aidvantage confirmed my account is in good standing and no longer in default. Despite this, derogatory remarks and past due balances remain on my credit reports with XXXX XXXX XXXX XXXX. 

I was never properly notified of the delinquency due to outdated contact information in Aidvantage 's system. I did not receive phone calls, emails, or mailed notices, and my loan was previously in autopay before the COVID forbearance.

I have contacted Aidvantage directly and submitted formal disputes with the credit bureaus. Aidvantage has failed to instruct the credit bureaus to correct the record, and I am now unable to obtain necessary financing for my businesses and personal needs. 

I am requesting the CFPBs assistance in having the credit bureaus update the account to show accurate current standing and remove any incorrect derogatory marks. 

Supporting documentation ( reinstatement letter and dispute correspondence ) is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called Experian credit reporting company at XXXX on XX/XX/year> @ XXXX and it lasted XXXX minutes before the automated system hung up on me. The second call in to the same number was on XX/XX/year> at XXXX and lasted XXXX minutes and the call started when I was trying to connect with Billing Department XXXX the automated system first told me that no credit card of mine was on file nor was there any accounts that I was being billed for. Trying to speak with a human was nearly impossible. Once I was finally connected with an agent, it was with a foreign agent who spoke not-so-clear XXXX. I asked why I was being billed for something I didn't authorize? And the agent tried to explain to me in very hard to understand broken XXXX, " ... that I apparently looked at a credit report from the other XXXX credit reporting companies and so that is why they charged me, because it's a premium service. '' I told her that I understand that there are XXXX other agencies that report credit. If I ever visit them, I have my own login and password and would go directly to their sites. Not through Experian. I feel like it's a scam. When I asked to speak to a supervisor, she said that she would make notes and report the issues, but I should have my bank dispute the charges as unauthorized because they can't issue refunds. I then asked her, well, isn't saying that admitting guilt? Charging people when they didn't sign up for something and then telling them to have their bank dispute it? 

As a XXXXXXXX XXXX, I find it troubling that my sensitive personal and financial information is being handled by non-U.S.-based personnel with potential language and jurisdiction barriers. Credit reporting affects nearly every aspect of a persons financial life, and it is unacceptable that communication errors or misunderstandings could impact credit integrity. Experian, in my opinion, has lost its credibility. 

I am requesting that the CFPB review Experians outsourcing of customer service and consider requiring credit bureaus to maintain U.S.-based, English-proficient representatives when handling personal data and disputes. XXXX XXXX  deserve clear, secure, and reliable communication when dealing with such critical matters.

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 2025-07-31 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX 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 2025-07-31 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: NY

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 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 2025-07-31 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:
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-compliance.

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 2025-07-31 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: MI

Complaint narrative:
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-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I am requesting the permanent removal of the inaccurate late payment notations associated with the accounts listed below. These derogatory marks were reported without prior notice or warning, and I was never given an opportunity to prevent or resolve the delinquency. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), 1681s-2 ( a ), and 1681i.

Specifically, I request that : Equifax contact each furnisher listed and require proof that proper advance notice ( such as billing statements, delinquency notices, or payment reminders ) was provided before the late payments were reported. 

If the furnisher can not provide proof of such notice, then the corresponding late mark ( s ) must be deleted from my credit file as unverified or incomplete under FCRA standards. 

I receive a written investigation summary stating whether each item was verified, corrected, or deleted. 

An updated and corrected copy of my credit report is provided to reflect the results of this reinvestigation. 

Accounts in Question : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This request is reasonable, lawful XXXX and intended to ensure that my credit report reflects only accurate and fully verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: IL

Complaint narrative:
It was advertised before I applied for a checking account with Netspend that I would receive a bonus of {$200.00} within XXXX business days of a direct deposit of {$400.00} or more. I met these requirements and have not received the bonus.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
I am filing this complaint against a debt collection agency named Oliphant USA LLC, and the original creditor XXXX XXXX, due to inaccurate and unverified information being reported on my consumer credit reports. 

Oliphant USA LLC is currently furnishing a collection account on both my XXXX  and XXXX  credit reports. The collection account in question was never entered into by me I have no contractual or business relationship with XXXX XXXX XXXX. They claim to have acquired the account from XXXX XXXX, which charged off the debt in the past. However, I was never notified, nor did I authorize the sale or transfer of any debt to a third-party collector. 

XXXX XXXX  allegedly wrote off the debt, possibly claiming a loss via a 1099-C form with the IRS. If that is true, and they received a tax benefit or deduction by charging it off, they can not then legally sell the same debt to Oliphant USA LLC and profit a second time. I have already contacted the IRS and am waiting for transcripts to confirm whether a 1099-C was issued in my name. 

In XX/XX/year>, I disputed this account with XXXX. I received a delayed response that did not answer any of my questions and simply stated the debt was verified. In XX/XX/year>, I followed up with another dispute letter to XXXX  outlining the lack of evidence and failure to verify the debt as required under the Fair Credit Reporting Act ( FCRA 609 & 611 ). They once again failed to provide documentation showing how the account was verified or who was contacted. I still have not received any contact or evidence from Oliphant USA LLC. 

I also discovered in XX/XX/year>XXXX  that the same Oliphant USA LLC tradeline began reporting on my XXXX  credit file. This was done without notice, validation, or documentation, which is a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA 809 ). 

I sent a formal debt validation letter to Oliphant USA LLC demanding proof of the debt, a copy of the original signed agreement, and proof of their legal right to collect the debt. As of today, they have failed to respond. 

I am requesting that : 1. Oliphant USA LLC be investigated for furnishing unverified information to the credit bureaus. 
XXXX. XXXX XXXX  be investigated for potentially double-dipping by charging off the debt as a loss while simultaneously selling or transferring it to a debt collector. 
3. Both XXXX and XXXX  be held accountable for failing to properly verify and investigate the information before reporting it. 
4. This collection be removed from my credit reports entirely and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: WA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief