vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: LA

Complaint narrative:
I contacted Experian about a transaction regarding my bank account for the amount of XXXX I tried calling them and emailing them and they never answered me back and also I tried to contact them about my credit report about some deletions that I dont recognize but once again they responded within a hour and I know that they didnt actually submit anything to anybody in regards to my claim. And all of this took place within this year and last year as well.

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 2025-04-20 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-20 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:
You are in violation for reporting unverified accounts on my credit report. The creditors didnt send me anything to verify this account. You were sent a dispute letter for the following accounts over 7 months ago and failed to conduct a real investigation. The dispute letter which is dated and time stamped is attached. Please see the attached FTC report and remove the following accounts from my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Charge-Off Reporting by Lead Bank on Closed Account To Whom It XXXX Concern, I am submitting this formal complaint against Lead Bank for inaccurately reporting a charged-off account in the amount of {$330.00} on my XXXX  credit report, despite the fact that the account in question has been closed. 

This reporting is misleading and appears to be in violation of the Fair Credit Reporting Act ( XX/XX/XXXX), as it misrepresents the current status of the account. A charged-off status on a closed account creates confusion, damages my credit standing, and unfairly portrays my financial history. 

To date, I have not received sufficient documentation or explanation from Lead Bank to justify why the account is being reported as a charge-off, nor have I been provided with any notice of such action prior to its appearance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding XXXX of my federal student loan accounts that have recently begun reporting 150-day late payment statuses on my credit reports. This information is completely inaccurate and was reported without any prior notification or communication from my loan servicer. I was not made aware of any delinquency, nor did I receive any warning, notice, or correspondence about late payments being reported. In fact, I only became aware of this change when I noticed the derogatory marks on my credit report and began researching online. I found that the federal student loan XXXX payment pauses, which began in XX/XX/XXXX, ended in XX/XX/XXXX. Additionally, the Department of Education offered an on-ramp period to ease borrowers back into repaymentthis program ended in XX/XX/XXXX. During that on-ramp period, missed payments were not supposed to be reported as delinquent, and borrowers were protected from credit damage. According to the U.S. Department of Education and multiple published sources, late payments should not have been reported to the credit bureaus during that on-ramp grace period. I have never been 150 days late on my student loan payments. These delinquencies were reported without any opportunity to cure, without notice, and without merit. This reporting is not only harmful to my credit but also in clear violation of the Fair Credit Reporting Act ( FCRA ) and federal guidance regarding student loan reporting. I demand that these XXXX accounts be immediately updated to reflect a " Paid as Agreed, Never Late '' status and that the 150-day late payment marks be permanently removed from all credit bureaus. These accounts were in compliance during the forbearance and on-ramp periods, and reporting otherwise is not only incorrect, but also misleading and illegal. Please investigate this matter promptly and provide confirmation that the inaccurate information has been deleted and the accounts updated correctly. Failure to resolve this issue will result in legal action and formal complaints to additional regulatory agencies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I have disputed these collection accounts that are being reported by TransUnion : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I submitted disputes to TransUnion on at least XXXX separate occasions, requesting that they investigate and validate the accuracy of these accounts. In each dispute, they have been ignoring my request to proper investigate, re-investigate and validate the accounts. 

Despite my repeated requests, TransUnion responded each time by stating the accounts were verified or updated, without providing any documentation or evidence from the furnishers to confirm the validity of the debts. I have never received proof that the debts belong to me or are accurate. 

TransUnion has failed to conduct a reasonable investigation and continues to report inaccurate and unverified information, which has negatively impacted my credit score and ability to qualify for credit. 

I am requesting that these accounts be deleted from my credit report unless TransUnion can obtain and provide proper documentation from the furnishers.

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 2025-04-20 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
A debt company called Sequium Asset Solutions LLC. put a debt on XXXX of my credit report. This debt does not belong to me and i never received any dental services. I have tried to call them without luck. 

I need them to remove the negative report from my credit reports and cease communications with me. I am not responsible for the debt they placed on my credit reports. 
Below is their information : SEQUIUM ASSET SOLUTIONS, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
My vehicle was repossessed on XX/XX/year>, by a third-party agent hired by Ford Motor Credit XXXX XXXX XXXX XXXX XXXX XXXX I submitted an immediate request to retrieve my personal belongings, including medically necessary XXXX prescription medication. Over 48 hours later, I have received no response. 

The repossession company only allows appointments 5 days out, causing me serious harm. I am forced to miss work at a new job, risk my employers trust, and face possible health consequences from abrupt discontinuation of essential medication. 

I believe this delay constitutes a violation of consumer protection expectations tied to Ford Credits oversight of third-party vendors and may also violate Virginia Code 6.2-2217. I have filed formal complaints with both the Virginia Attorney General and XXXX. 

I am requesting immediate intervention by Ford Motor Credit to comply with legal standards and ensure retrieval of my property without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-04-20 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been locked out of my account with Equifax for a concerningly long amount of time and have come upon several issues in their company in an attempt to fix it. At first, I thought it was my password, which I always write down. It started with the error that came up stating my account was locked ( screenshot attached ), due to too many login attempts, despite only needing to use this account recently. I attempted to change my password, but when attempting to do so, a splash screen ( attached ) appears stating, " We are temporarily unable to complete this request. '' After researching other reviews on Equifax, it appears that this error page is a feature and not a bug ( it has always appeared ), as they don't appear to allow people to update their passwords directly on the website, which is a security issue. 

I called the phone line, asking if they could unblock my account for access, and it appears that no one understands what that means, especially when I read word for word the error I receive. It seems they only want to change passwords and that's all. I used their phone line multiple times over the last few months and after about XXXX people stating they would escalate the issue, with no follow up, only XXXX gave me the escalation number ( Case # XXXX ), which I'm not even sure exists in their system. 

It got to the point where I even contacted the business line, as they still provide IT support and thought at least they would know what the issue is. Unfortunately, in their response to me ( attached ), they rudely stated that because I don't have a business account, they won't help me. All they did was provide me the phone line full of individuals who only know how to change passwords, or their online help center, which requires logging into access their services, which I'm unable to log in to use, due to my issue. 

I have been attempting to access my credit report with this site for quite some time, and despite this being something they're required to allow me to access, doing something like unblocking my account, which is the only thing I need, seems like a herculean task for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NV

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional

payment history 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 to be updated. 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.

EQUIFAX EXPERIAN TRANSUNION 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!

Update 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