vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX  Balance : {$220000.00}

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am currently enrolled at XXXX through XX/XX/scrub> 2025, which qualifies my loan for In-School Deferment under federal regulations. I have attached my proof of enrollment. Aidvantage company has reported my account in a manner that suggests delinquency or missed payments.My score going down during long period, during 1year .This is factually incorrect and in violation of both the Higher Education Act and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account was opened in my name without my knowledge!!! I have not had an account with sprint for at least ten years. This is not my debt to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
Subject : Inaccurate and unverifiable information on my credit report XXXX XXXX XXXX XXXX XXXX I am disputing inaccurate and unverifiable information reported by Equifax related XXXX an account from Comenity Capital XXXX XXXX XXXX XXXX XXXX There are inconsistencies in the Date of First Delinquency, estimated removal dates, and historical balances compared to other credit bureaus. I requested documentary verification under FCRA 611 but was not provided with the original signed contract or account statements. I request Equifax to conduct a full reinvestigation and remove the account if it can not be properly verified. 

Request : Complete documentary verification of the debt. 

Immediate correction or removal if proof is not provided.

Investigation into discrepancies found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Multiple hard inquiries appeared on my credit report without my knowledge or consent. I did not apply for credit with the following companies, nor did I authorize them to access my credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The presence of these inquiries is inaccurate and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 604 ( a ) ( 3 ), a company must have a permissible purpose to access a consumers credit file. Since I did not initiate any applications or grant authorization, these inquiries were made without a permissible purpose. This may be the result of a clerical error, identity theft, or misuse of my personal information.

These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
This account has been closed for over 2yrs, but yet still reported as a charge off every month. This is an update in the payment history. The inaccurate information falsely manipulate the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I demand deletion of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
This account has been closed for over 2yrs, but yet still reported as a charge off every month. This is an update in the payment history. The inaccurate information falsely manipulate the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I demand deletion of account.

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 2025-08-09 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:
This account has been closed for over 2yrs, but yet still reported as a charge off every month. This is an update in the payment history. The inaccurate information falsely manipulate the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I demand deletion of account.

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 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a XXXXXXXX XXXX XXXX issued by Comenity Capital Bank/Bread Financial XXXX My account has been enrolled in autopay from my only checking account ( XXXX XXXX ) since it was opened. I have never changed my autopay settings or my bank account, and there have been no holds or restrictions on my account. 
Despite this, Comenity has twice claimed that my autopay payment failed. In the most recent case, they charged me a {$30.00} returned check fee and marked my account past due. XXXX XXXX confirms there is no record of any declined or returned payments on my account. 

In reviewing my payment history on Comenitys website, I noticed that past payments were labeled ( My Name ) s checking, but without my authorization this was changed to XXXX XXXX ending in XXXX. I have not changed anything, so this change was clearly made internally by Comenity/Bread Financial and coincides with their claim of a failed payment. 

This is a system error on their end, not mine. I am requesting : Reversal of the {$30.00} returned check fee. 
Removal of any late payment status from my account. 
Correction of any negative credit bureau reporting related to this incident. 
Investigation and correction of the autopay error to prevent future occurrences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXXXXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$3000.00}

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
In XXXX of XXXX when the XXXX administration lifted the hold on student loans, I suddenly received late payments notice on my credit report so I called aidvantage who are the service loan providers for my account. I was told by customer service to apply for an unemployment deferment. I did and they never processed it for the time frame I submitted the form for. It was for XX/XX/XXXX forward. They didnt even look at the details of the application. Their customer service representatives are completely incompetent and I get different information every time I call. I have resubmitted the unemployment deferment 3 times, I get no email that they received it, that its being processed and no update on the status. I applied 3 times and they still have not processed my unemployment deferment for when I was working half time. Everytime I call they give me different information. They said it was being processed when it was not, I called a week later, they said because I was on a XXXX payment plan I needed to reapply even though the deferment was for the past. I called again, they said it was being processed. I called again they said I wasnt eligible when I am. They come up with a different thing I need to submit each time even though the form does not say I have to submit anything to qualify. They need to process my unemployment deferment application and approve or deny it and give me a reason why if its denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Request for proof and correction of reported debt information Description : Midland Credit Management reports a debt purchased from XXXX XXXX XXXX appearing in my credit reports with inconsistencies and no clear documentation. I request a copy of the original contract, account statements, and proof of assignment or sale of the debt. If you can not provide this documentation, I request removal of the reported information and correction of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Experian credit report. I previously disputed the account reported by XXXX XXXX XXXX XXXX XXXX, account # XXXX, and requested full validation in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The original creditor for this account was XXXX XXXX XXXX. However, following my dispute, Experian updated the account as " verified '' and changed the original creditor name to XXXX XXXX XXXX, which is a debt buyer and not the original creditor. This is factually inaccurate and constitutes a violation of my rights under FCRA 1681s-2 ( a ) and ( b ). Experian failed to conduct a reasonable investigation as required by law. This misrepresentation is materially misleading and harmful to my creditworthiness. Therefore, I demand that this account be deleted in its entirety from my Experian credit report, as it has not been properly validated and contains materially false information. Please conduct a proper reinvestigation and provide written confirmation of the deletion of this account from my credit file. Sincerely, 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 2025-08-09 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: FL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 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 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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone stole my back up phone got into my Chime account app on XXXX that phone change the phone number from my phone number to some other phone number and transferred got a pay XXXX  and transferred money from my account to theirs. I have no money they will not reimburse the money right now because there is an ongoing report, Im sitting out in XXXX weather because my power was turned off. I dont have money. My car broke down. I dont have money to finish fixing it. Im in the process storage as well. My dog is suffering it as well as my other animals, I want the money back in my account or sent to me somehow Before both of us or even more die from the heat, I will be in contact with soon and report what is going on and how they are handling it or not handling it capability of putting money into my account or sending money to me some other way, and they choose not to Please help me. We are literally XXXX.

Company response to consumer: Closed with explanation