vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be 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 non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
This loan company XXXX has recently taking over this loan in the last year and they are already reporting false information to the credit bureaus. I have worked extremely hard to raise my credit score up. However, dealing with XXXX in the past year with their negative reporting my score has dropped tremendously. They have been reporting on loans that should be in an inschool deferment because these loans were parent plus loans. Both young men are in Grad school, yet XXXX has been reporting these loans in a negative stance as well as charging me interested. I spoke to them numerous times to correct the problem but they have refused to do so. I need my credit score back in good standing.

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 2025-04-15 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: KY

Complaint narrative:
Subject : FORMAL COMPLAINT FAILURE TO REMOVE FRAUDULENT ACCOUNT RESULTING FROM IDENTITY THEFT XXXX Account # : XXXX To Whom It May Concern, I am submitting this formal complaint to report a serious violation of the Fair Credit Reporting Act ( FCRA ) by a credit reporting agency and/or data furnisher related to the continued reporting of a fraudulent account that resulted from identity theft. 

Details of the fraudulent account : Creditor Name : XXXX Account Number : XXXX This account was not opened by me and is the result of identity theft. I have submitted a valid FTC Identity Theft Report ( Report Number : XXXX ), along with supporting documentation, to the credit reporting agency, as required by law. However, the account has not been removed or blocked from my credit report, despite my full legal compliance as a victim of identity theft. 

This inaction constitutes violations of the following federal laws : Violated Provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681c-2 ( a ) : Credit bureaus are required to block identity theft-related information within XXXX ( XXXX ) business days of receiving a valid identity theft report. 
2. 15 U.S.C. 1681i ( a ) : Requires a timely and reasonable reinvestigation of disputed information within 30 days. 
3. 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies maintain only information that is verified as accurate. 
4. 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they knowor should knowis inaccurate or fraudulent.

5. 15 U.S.C. 1681n & 1681o : Provide for civil liability, including actual and punitive damages, for willful or negligent noncompliance. 

Despite complying with all requirements as a consumer, this fraudulent account remains on my credit report, negatively impacting my creditworthiness and causing financial harm. 

Requested Resolution : Immediate and permanent removal of the fraudulent XXXX account ( # XXXX ) from my credit report. 
Enforcement action by the CFPB to ensure compliance with federal law by the credit reporting agency and/or furnisher. 
Investigation into any reinsertion or failure to block the account after valid identity theft documentation was submitted. 

Attachments : FTC Identity Theft Report ( Report Number : XXXX ) Government-issued photo ID Proof of current mailing address I respectfully urge the CFPB to act swiftly to protect my rights as a consumer and hold these entities accountable for their noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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 disputing a late payment reported by XXXX XXXX on my credit report. The account is closed and has a {$0.00} balance. I have contacted XXXX directly, and they confirmed in writing that I do not owe any money and the account is no longer active. 

Despite this, XXXX is still reporting a 60-day late payment to the credit bureaus, which is inaccurate and harming my credit score as I work toward homeownership. 

Ive contacted XXXX multiple times to resolve the issue. I even received a message from a representative confirming the account is closed and that I do not have a balance. I also requested to speak with a XXXX and followed up with a formal dispute, but the late payment has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 disputing a late payment reported by XXXX XXXX on my credit report. The account is closed and has a {$0.00} balance. I have contacted XXXX directly, and they confirmed in writing that I do not owe any money and the account is no longer active. 

Despite this, XXXX is still reporting a 60-day late payment to the credit bureaus, which is inaccurate and harming my credit score as I work toward homeownership. 

Ive contacted XXXX multiple times to resolve the issue. I even received a message from a representative confirming the account is closed and that I do not have a balance. I also requested to speak with a XXXX and followed up with a formal dispute, but the late payment has not been 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 non-monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-15 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am disputing a late payment reported by XXXX XXXX on my credit report. The account is closed and has a {$0.00} balance. I have contacted XXXX directly, and they confirmed in writing that I do not owe any money and the account is no longer active. 

Despite this, XXXX is still reporting a 60-day late payment to the credit bureaus, which is inaccurate and harming my credit score as I work toward homeownership. 

Ive contacted XXXX multiple times to resolve the issue. I even received a message from a representative confirming the account is closed and that I do not have a balance. I also requested to speak with a XXXX and followed up with a formal dispute, but the late payment has not been 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
My credit has been negatively impacted due to my student loans being reported inaccurately. My loans were placed in forbearance, and during this period, no payments were required or expected. However, it appears that negative information may have been reported to the credit bureaus regardless. 

Additionally, my loans are currently under review as part of the XXXX XXXX XXXX XXXX ( XXXX ) program. According to my loan servicer, they are still processing my XXXX  forms and have stated : We are working to process XXXX  forms as we continue the transition to an upgraded borrower experience. You'll receive an email notification once your form has been processed. Thanks for your patience. 

Given this, I believe the negative credit reporting is inaccurate and unfair. Im requesting that this information be reviewed and corrected, as it does not reflect my current repayment status or the fact that my loans are in administrative forbearance pending XXXX  processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: Credit Control, LLC
State: TX

Complaint narrative:
Invoice reference number XXXX with Credit Control , LLC in the amount of {$3400.00}. 

I am more interested in Data Breach. I have XXXX on my report Data Breach.

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 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I transferred XXXX $ into my account and I tried to make a transaction and my transaction was declined. I then check my email to see Venmo sent me an email saying my account has been closed and I have to wait 180 days for my money to be able to take out of the account and I did nothing wrong. Now I have since had XXXX deposits into my account totaling {$57.00}. I want to just transfer my money out I have to pay my phone bill immediatly for work and they are no being compliant or even giving me a full reason as to why my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
On XX/XX/year>, I went to the XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon arriving at the front desk, they took my SSN and Driver 's license details instead of my insurance details, despite of requesting them to take my insurance information. 
Later, they made me to see a XXXX, who suggested XXXX XXXX XXXX XXXX. All the other times, they just made me wait with all the other patients in the front waiting room. 
Later, they sent me one bill for around {$500.00} for XXXX XXXX, and I have paid it and later was surprised to receive another bill for {$12000.00}. 
I was barely there for few hours and was always seated outside along with others and just for running few tests, they charged me over {$12000.00}. My insurance paid {$7900.00}. Now, they're behind me to pay for balance {$4300.00}. 
From the beginning, I believe that I have been over charged than it was supposed to be. I need help with understanding if these are genuine charges. On multiple calls, I have requested to give me a copy of the breakdown. Now, they have given my details to an Arstrat debt collector who sent me a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was leak due to XXXX system got hacked .. so it so many thing on my credit report that is stoping me from get a car and a home for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
In XX/XX/XXXX 2025, I disputed multiple accounts with Equifax, including those from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Recovery, XXXX XXXX XXXX and XXXX XXXX. These accounts contain serious derogatory marks such as collections, charge-offs, repossessions, and 120-day late payments. I specifically requested validation under FCRA Section 609 and FDCPA Section 809 including the original signed contracts, proof of debt ownership, and full payment history. Equifax responded on XX/XX/XXXX 2025, with no evidence provided by the furnishers. Most accounts were verified as reported without producing any documentation to substantiate the claims. 

Additionally, recent reports indicate that the Department of Education granted access to sensitive student loan data to the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, without proper consent or oversight. This action has raised significant privacy concerns, as it potentially violates the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : WHOM IT MAY CONCERN XXXX XXXX XXXX, XXXX, XXXX  XXXX. 


Request for Validation of Reported Late Payment. 

I am writing to formally dispute a late payment entry that appears on my credit report in connection with the following student loan accountXXXX Equifax Information Services Account XXXX Date of Alleged Late Payment : XX/XX/year> I request that you provide complete and accurate validation of this reported late payment, including : A copy of the original signed agreement that legally obligates me to the alleged debt and payment terms. 
Documentation showing the exact due date of the payment and the date it was received. 
Evidence that proper notice was given prior to reporting the delinquency. 
A full payment history of the account, showing when payments were made, applied, and any applicable deferments or forbearances. 




According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of any negative information reported to the credit bureaus. Until this information is fully validated, I respectfully request that the inaccurate late payment entry be removed or marked as disputed on all credit reports where it appears. 



Please respond to this request in writing within the timeframe allowed by law. If the information can not be verified, I expect the entry to be promptly deleted in compliance with the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
My account with XXXX  AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-04-15 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/2025

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