vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Balance is wrong on XXXX  XXXX XXXX. and collection is wrong. 
Experien refuses to remove collection even after the other 2 bureaus removed it after I filed a dispute. 

When asked they said " we just take their word for it " I asked them to ask for proof/ documents and they refused. 

They actually responded back on my dispute in 10 seconds. Really no way it was done right.

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 2025-05-03 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 mailed certified letters XXXX the credit reporting agencies indicating that i was a victim of id theft, i included the following : XXXX Report XXXX Report XXXX XXXX XXXX copies of XXXX Card & XXXX XXXX  -Utility Bill I have been a victim of major XXXX Theft and did not have knowledge of the accounts that were opened XXXX established in my name, yet the credit company denied my request XXXX  have this information removed from my XXXX XXXX. This has severely impacted my ability XXXX  obtain credit, open basic checking accounts, purchase a vehicle XXXX/or establish credit. I have sent my request in writing on multiple occasions, XXXX have been dealing with this since XXXX. Transunion, Equifax and Experian all show that i have been on thier credit file since XXXX which at the time would have made me XXXX XXXX XXXX ; not even old enough XXXX properly obtain credit. I have asked countless number of times to have this information blocked from my report XXXX they have refused saying that this information was previously disputed or have payments on file. my thing is OF COURSE it was previously disputed but no-one from these entities have told met hat i had XXXX  file XXXX reports XXXX and i HAVE contacted the debt companies directly XXXX  settle this matter when the credit companies refused XXXX  help me, so it seems as if i will be forced XXXX  pay for accounts that aren't even mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
I had gotten a call from an agent back sometime either early XXXX or XXXX while I was unemployed and they requested a large payment for my student loans. I told them i was unemployed and had not had good income if any since XX/XX/year>. I wished a better payment plan or just more time to afford more necessities first. After this phone call my credit got hit with XXXX points negative for a missed payment, and I later got a phone call in XXXX from another agent from student aid and had explained my story once again. She said that there are absolutely programs for things like this, i.e. an income driven payment plan while I start a new job. I told this agent about what had happened and she said it should not have happened. Once applying to this income driven payment plan that they advised me to do, my account is currently in good standing and currently " owe '' {$0.00} because of this plan. My credit building took years to build and while in a transition in the student loan world I see this as absolutely incorrect for my credit to take the largest hit I have ever seen. My accounts status will be updated XXXX once they accept my income driven payment plan and look to pay this balance owed then. Thank you for your time.

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 2025-05-03 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:
I had gotten a call from an agent back sometime either early XXXX or XXXX while I was unemployed and they requested a large payment for my student loans. I told them i was unemployed and had not had good income if any since XX/XX/year>. I wished a better payment plan or just more time to afford more necessities first. After this phone call my credit got hit with XXXX points negative for a missed payment, and I later got a phone call in XXXX from another agent from student aid and had explained my story once again. She said that there are absolutely programs for things like this, i.e. an income driven payment plan while I start a new job. I told this agent about what had happened and she said it should not have happened. Once applying to this income driven payment plan that they advised me to do, my account is currently in good standing and currently " owe '' {$0.00} because of this plan. My credit building took years to build and while in a transition in the student loan world I see this as absolutely incorrect for my credit to take the largest hit I have ever seen. My accounts status will be updated XXXX once they accept my income driven payment plan and look to pay this balance owed then. Thank you for your time.

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 2025-05-03 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:
I had gotten a call from an agent back sometime either early XXXX or XXXX while I was unemployed and they requested a large payment for my student loans. I told them i was unemployed and had not had good income if any since XX/XX/year>. I wished a better payment plan or just more time to afford more necessities first. After this phone call my credit got hit with XXXX points negative for a missed payment, and I later got a phone call in XXXX from another agent from student aid and had explained my story once again. She said that there are absolutely programs for things like this, i.e. an income driven payment plan while I start a new job. I told this agent about what had happened and she said it should not have happened. Once applying to this income driven payment plan that they advised me to do, my account is currently in good standing and currently " owe '' {$0.00} because of this plan. My credit building took years to build and while in a transition in the student loan world I see this as absolutely incorrect for my credit to take the largest hit I have ever seen. My accounts status will be updated XXXX once they accept my income driven payment plan and look to pay this balance owed then. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
15.u.s.c 1681. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of conviction and crimes which antedates the report by 7 years.

15 u.s.c 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that.

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 2025-05-03 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: TX

Complaint narrative:
I recently look my credit report and I noticed so many inaccuracy in my credit report. These account is hurting my ability to attend credit. Is my understanding that experience it will investigate this account to ensure the accuracy. Here is the account I am asking you to verified as accurate : XXXX XXXX XXXX. ( Account number is 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 2025-05-03 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: TX

Complaint narrative:
I recently look my credit report and I noticed so many inaccuracy in my credit report. These account is hurting my ability to attend credit. Is my understanding that experience it will investigate this account to ensure the accuracy. Here is the account I am asking you to verified as accurate : XXXX XXXX XXXX. ( Account number is XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I recently look my credit report and I noticed so many inaccuracy in my credit report. These account is hurting my ability to attend credit. Is my understanding that experience it will investigate this account to ensure the accuracy. Here is the account I am asking you to verified as accurate : XXXX XXXX XXXX. ( Account number is XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I went XXXX jail following altercation with the XXXX on XX/XX/XXXX XXXX I was released on XXXX XXXX XXXX upon returning XXXX  my car it had been vandalized broken into XXXX my identity documents from my XXXX XXXX paperwork along with my wallet XXXX cell phone were stolen. I made a XXXX report submitted said XXXX report XXXX chime XXXX  proof of incarceration XXXX they are closing my account the day that XXXX supposed XXXX be given a credit back XXXX my account of over {$20000.00} basically stopping me from being able XXXX get that credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I had a mortgage account with XXXXXXXX XXXX in 2021, I went through a divorce in 2021 and during this divorce the papers state that the financial responsibility of this mortgage was no longer legally mine. There were multiple missed payments that greatly affected my credit and I can not get them to remove anything even with sending the proper documentation of my legal divorce papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a mortgage account with XXXXXXXX XXXX  in 2021, I went through a divorce in 2021 and during this divorce the papers state that the financial responsibility of this mortgage was no longer legally mine. There were multiple missed payments that greatly affected my credit and I can not get them to remove anything even with sending the proper documentation of my legal divorce papers.

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 2025-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX XXXX XXXX at the end of XXXX. They asked if my credit information was frozen and told me that I would not be approved until it was thawed. They submitted the application anyhow. Why? I returned the next day after thawing my credit reports and was again denied. I had exceptional credit before beginning this application XXXX  I tried several times over several days to contact the number they provided me to resolve my issue. Automative response system ( after I finally got through! ) was useless. No answers to my questions. Endless loop of automated responses. Now my credit rating has decreased significantly. I have been trying to cancel my application and can not get through to anything but many other useless automated responses. I have contacted the XXXX XXXX in XXXX, MA as well as Comenity Capital Bank Customer care and again they could give me no information. I want to cancel my application and have my credit score returned to what it was before I began this whole process. This is extremely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: DC

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I mailed a certified letter to Experian only to receive an emailed response of them stating that the letter I sent was not sent by me ( screenshot included ). I am filing a formal complaint against Experian and the data furnishers listed below for their failure to properly investigate and correct erroneous items on my credit report. Despite a prior online dispute ( Confirmation # XXXX ), the inaccuracies remain, and Experian failed to provide sufficient validation for continued reporting under the Fair Credit Reporting Act ( 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 2025-05-03 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:
15.u.s.c 1681. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of conviction and crimes which antedates the report by 7 years.

15 u.s.c 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: WA

Complaint narrative:
I received a message in the app saying my payment was due by XX/XX/XXXX, and that if I didnt pay by then, it could affect my credit score. However, its only XX/XX/XXXX, and my credit score has already dropped XXXX points. 

This is misleading and false, as I was told I had until 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 non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-03 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:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX / XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
This account was charged off XX/XX/year>. Since then, the account has repeatedly, been updated as charged off every month. This is updating the payment history. A charged off account should not include an active payment history. This inaccurate information. It manipulates the statutes of limitations. Your failure XXXX investigate this account properly after I ask you XXXX do so multiple times has violated my rights. I am demanding a deletion of this account. 

Account XXXX : XXXX XXXX XXXX Account # : 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: GA

Complaint narrative:
Carmax Auto Finance or CAF ( XXXX ) XXXX XXXX ( XXXX ) XXXX  and XXXX  has updated the remark code on my credit report which has decreased my credit score as of XX/XX/XXXX. These accounts were charged off in XXXX and XXXX .Late payments were added to my credit report from the previous years which caused my credit score to decrease. The constant removal of the XXXX  XXXX bankruptcy petition remark codes and then converting the account status back to a previously credit reported status as charged off is negatively affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Toyota Motor Credit Corporation for inaccurate XXXX potentially unlawful reporting on my credit report. 

When my credit report refreshed between XX/XX/XXXX, XXXX  XX/XX/XXXX, I noticed that the reported balance on my auto loan increased from {$9200.00} to {$9200.00}. This is unacceptable, as I have made timely monthly payments, XXXX  the loan balance should be decreasing over timenot increasing. 

There are only a few uncommon scenarios where an increasing loan balance might be justified. However, none of the following explanations apply in my case : XXXX refinance or modification I have not refinanced or changed the loan terms. 

Late fees or added interest I have not incurred late fees or penalties. 

Negative amortization My payments always cover the principal XXXX interest. 

Dealer-added products No additional items or coverages were added XXXX the loan after origination. 

I believe this is a reporting error, and possibly a violation of the Fair Credit Reporting Act ( FCRA ), particularly as there are also inconsistencies XXXX  unverified late payments being reported. These late payments are not accurate and are unfairly damaging my credit profile. 

Furthermore, it is important XXXX note that in XXXX, the Consumer Financial Protection Bureau ordered Toyota Motor Credit Corporation XXXX  pay {$60.00} XXXX in consumer redress XXXX  penalties for engaging in unlawful practices, including : Preventing borrowers from cancelling bundled products that inflated their loan payments, withholding or miscalculating refunds, knowingly furnishing false credit information XXXX credit bureaus. 

I would prefer XXXX resolve this directly XXXX  avoid further escalation, but I am prepared XXXX take additional action if necessary XXXX protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>. I sent my FTC report and license to Experian XXXX Transunion

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