vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I looked over my credit report and some accounts are inaccurate which is a violation of 15 USC 1681e ( b ). Accounts : 1.XXXXXXXX XXXX XXXX XXXX. 2XXXXXXXX XXXX XXXX XXXX. 3. XXXX XXXX ( XXXX ) # XXXX. The two XXXX accounts Violates : 15 USC 1681e ( b ) Maximum accuracy is not met due to inflated balances vs. original high credit. 15 USC 1681i ( 5 ) ( A ) Unverified and inaccurate info must be deleted, not updated. 15 USC 1681b No permissible purpose shown to report these student loans. FERPA Educational records have been disclosed to and used by third parties without signed consent. There is evidence in the public domain confirming government overreach and misuse of student borrower records. TILA I have never been provided disclosures by XXXX XXXX XXXX ( XXXX ). DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be liable under 15 USC 1681n , which is civil liability for willful noncompliance.

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 2025-05-09 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: DE

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 non-monetary relief
Consumer complaint received 2025-05-09 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: DE

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 non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: PA

Complaint narrative:
I'm filing a complaint against XXXX ( or CRI, their subcontractor ) regarding false and damaging credit reporting on my federal student loans. 

As of XX/XX/scrub> 2025, five of my XXXXXXXX XXXX  accounts were simultaneously marked as 120+ days past due on my credit reports. However, I never received any billing statements, due date notices, or repayment instructions during the months leading up to this reporting.

In fact, I received an email from CRI in XX/XX/year>2025 stating that my forbearance was ending soon, which clearly implies that I was still in a forbearance or deferment status during the time they are now claiming I was delinquent. 

My XXXX  and XXXX  credit reports both show PDE ( Payment Deferred ) notations for multiple months during this time period, further validating that my loans were not in active repayment. 

This appears to be an administrative error during the transition between loan servicers, and it has caused catastrophic damage to my credit score, which dropped from approximately XXXX to XXXX overnight. I had no missed payments before this, and Ive always made an effort to remain in good standing. 

I am requesting that the Department of Education require the servicer to investigate and remove all derogatory marks and restore my accounts to their accurate status : current, deferred, or in good standing. 

Im happy to provide screenshots, credit report PDFs, or the communication from CRI if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-09 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:
Im reaching out regarding a tradeline on my credit report that is not being reported with maximum possible accuracy, as required under the Fair Credit Reporting Act. This is a clear violation of 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 explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint - Illegal Reinsertion of Previously Deleted Account - FCRA Violation Dear CFPB Representatives, I am writing to formally submit a complaint against XXXX, Experian, and Equifax, as well as the creditor XXXX XXXX XXXXXXXX, for the unlawful reinsertion of an account previously removed from my credit reports. The account in question : - Creditor : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  - Account Type : Secured Credit Card - Date Opened : XX/XX/XXXX - Status : Collection/Chargeoff - Balance : {$0.00} - Monthly Payment : {$0.00} Page 1 The following serious issues have occurred : 1. Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : The account was previously deleted and has been reinserted without notifying me in writing within five business days as required by law. 2. Conflicting Information Between Bureaus : XXXX XXXX XXXX Status is Paid/Chargeoff ; High Credit : {$580.00} - Experian : Status is Closed Due to Inactivity ; Credit Limit : {$300.00} - Equifax : Status is Derogatory ; High Credit : {$420.00} 3. Inconsistent Reporting Dates : - Last Payment Date differs : XX/XX/XXXX ( XXXXEX ) vs. XX/XX/XXXX ( EQ ) - Last Activity Date differs : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( EX ) vs. XX/XX/XXXX ( EQ ) 4. Misleading and Damaging Reporting : Listing a paid charge-off as active or derogatory misrepresents the status and negatively impacts my credit, violating FDCPA provisions against deceptive practices. 5. Failure to Ensure Accuracy - FCRA Section 607 ( b ) : Credit reporting agencies must maintain reasonable procedures for maximum accuracy. The discrepancies clearly demonstrate a breach of this obligation. Requested Action : - Immediate and permanent removal of this account from all three credit bureaus. - Full investigation into the unauthorized reinsertion. Page 2 - Written confirmation of corrective action taken. I am attaching supporting documentation showing these inconsistencies. Thank you for your prompt attention to this matter. Sincerely, 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 2025-05-09 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint - Illegal Reinsertion of Previously Deleted Account - FCRA Violation Dear CFPB Representatives, I am writing to formally submit a complaint against XXXX, Experian, and Equifax, as well as the creditor XXXX XXXX XXXXXXXX, for the unlawful reinsertion of an account previously removed from my credit reports. The account in question : - Creditor : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  - Account Type : Secured Credit Card - Date Opened : XX/XX/XXXX - Status : Collection/Chargeoff - Balance : {$0.00} - Monthly Payment : {$0.00} Page 1 The following serious issues have occurred : 1. Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : The account was previously deleted and has been reinserted without notifying me in writing within five business days as required by law. 2. Conflicting Information Between Bureaus : XXXX XXXX XXXX Status is Paid/Chargeoff ; High Credit : {$580.00} - Experian : Status is Closed Due to Inactivity ; Credit Limit : {$300.00} - Equifax : Status is Derogatory ; High Credit : {$420.00} 3. Inconsistent Reporting Dates : - Last Payment Date differs : XX/XX/XXXX ( XXXXEX ) vs. XX/XX/XXXX ( EQ ) - Last Activity Date differs : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( EX ) vs. XX/XX/XXXX ( EQ ) 4. Misleading and Damaging Reporting : Listing a paid charge-off as active or derogatory misrepresents the status and negatively impacts my credit, violating FDCPA provisions against deceptive practices. 5. Failure to Ensure Accuracy - FCRA Section 607 ( b ) : Credit reporting agencies must maintain reasonable procedures for maximum accuracy. The discrepancies clearly demonstrate a breach of this obligation. Requested Action : - Immediate and permanent removal of this account from all three credit bureaus. - Full investigation into the unauthorized reinsertion. Page 2 - Written confirmation of corrective action taken. I am attaching supporting documentation showing these inconsistencies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding Capital One Credit Card that is being inaccurately reported to multiple Credit Reporting Agencies. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile.

The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once.

The information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; FCRA 1681i failure to reasonably investigate disputes ; FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute.

I am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with Metro 2 reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX, 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 XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
To Whom It May Concern, I am writing to follow up on a previous dispute submitted regarding inaccurate information on my credit report. The original dispute was submitted on XX/XX/year> and I have yet to receive an accurate resolution. Under the Fair Credit Reporting Act ( FCRA ), your agency is obligated to ensure that all information on my credit report is accurate, complete, and verifiable. 
The following account ( XXXX ) remain in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Reinvestigation : As outlined in FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of these accounts. The information reported is inaccurate and/or unverifiable. Specifically : These Inquires do not belong to me, they have been used without my knowledge The account does If your agency can not verify the accuracy of this information, it must be removed from my credit report immediately, as required under the FCRA.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I called yesterday, XX/XX/XXXX, around XXXX EST to report an unauthorized charge on my debit card. This XXXX be my third time calling about this issue, and they always refund me while they conduct their investigation. In the end, they have never taken the money back because I was right. However, yesterday they refused to refund me, and the lady I spoke to was very unpleasant. I asked for a supervisor and explained that I have always received a refund in these situations. He actually hung up the phone. If I was loud, disrespectful, or in any way nasty, I could understand, but that was not the case. For a supervisor to hang up the phone is unbelievable! I have been with this bank for many years now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief