vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: PR

Complaint narrative:
HARDS INQUIRIES 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 2025-04-02 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: GA

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 2025-04-01 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: NY

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

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 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/XXXX, I uploaded a request to the EdFinancial website for my XXXX plan to be recertified and my monthly loan payment amount to be recalculated. I had previously submitted a XXXX plan request, but switched to XXXX after the court decision on XXXX plans. 

On XX/XX/XXXX, I received a notification of a new letter available in my EdFinancial inbox. That letter said my XXXX was recertified through XX/XX/XXXX. The letter did not mention my request to recalculate my monthly loan payment amount. 

The EdFinancial summary of my loans shows that I owe {$950.00} on my loans due by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against, transunion Equifax and Experian. Equifax sometimes accurately shows my correct payment history, for the inaccurate reporting of late payments on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws. Despite my dispute and supporting documentation, the credit bureau has failed to correct or remove these inaccurate late payment entries. 

Background of the Dispute On XX/XX/XXXX and before that, I submitted a dispute to Transunion and Experian and Equifax, XXXX and XXXX XXXX  which was paid and closed and XXXX XXXX XXXX XXXX XXXX which incorrectly reports late payments. According to 15 U.S.C. 1666b, a payment is not legally considered late if received within 21 days of the due date, meaning these late payment entries should not have been reported. 

Additionally, under 15 U.S.C. 1681s-3, any data furnishers ( such as creditors or lenders ) who provide transactional or experience-based information to credit bureaus must ensure its accuracy. If they have reported incorrect late payments, the credit bureau has an obligation to verify and correct the error. 

Violations of Federal Law 1. Failure to Ensure Accuracy in Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain accurate consumer reports. The continued reporting of incorrect late payments violates this law. 
2. Failure to Verify and Correct Inaccurate Late Payments ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The credit bureau is required to conduct a reasonable reinvestigation within 30 days of a dispute. I have yet to receive a valid correction.

3. Failure to Comply with Payment Timing Laws ( 15 U.S.C. 1666b ) If a payment is received within 21 days of the due date, it can not legally be reported as late.

4. Failure of Data Furnisher to Provide Accurate Transactional Information ( 15 U.S.C. 1681s-3 ) The creditor providing the late payment data has failed to ensure its accuracy, and the credit bureau has failed to correct it.

Requested Resolution To resolve this issue, I request the following actions from the CFPB : Immediate removal of the inaccurate late payments from my credit report.

Written confirmation that the errors have been corrected.

An investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. 

I have attached supporting documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. 

Thank you for your time and assistance. I look forward to your response and a resolution. 

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 non-monetary relief
Consumer complaint received 2025-04-01 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: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice that I am disputing the validity of the alleged debt referenced above pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

I do not acknowledge this debt and demand that you provide complete and full validation of the following, as required by law : A full itemization and breakdown of the alleged debt, including the original amount, interest, fees, and any additional charges ( 15 U.S.C. 1692g ( a ) ( 1 ) ) ; The name and contact information of the original creditor and the exact charge-off date ( 15 U.S.C. 1692g ( a ) ( 2 ) ) ; A copy of the original signed contract or agreement that allegedly created this debt, bearing my signature ( 15 U.S.C. 1692g ( a ) ( 4 ) ) ; A complete chain of assignment and ownership, proving your legal right to collect this alleged debt, including all purchase or transfer agreements ( 15 U.S.C. 1692g ( a ) ( 4 ) ) ; Proof that this alleged debt is within the applicable statute of limitations for collection and legal action in [ Your State ] ( 15 U.S.C. 1692e ( 2 ) ( A ), 15 U.S.C. 1692f ( 1 ) ) ; Documentation showing that you have not and will not report any inaccurate or incomplete information related to this debt to any credit reporting agency ( 15 U.S.C. 1692e ( 8 ) ) ; A complete payment history and accounting records reflecting how the balance you claim was calculated.

Be advised, under 15 U.S.C. 1692c ( c ), I hereby demand that all collection activities cease immediately until you provide the full validation requested. This includes, but is not limited to, phone calls, emails, letters, or reporting to any consumer credit reporting agency. 

Should you fail to provide the legally required verification within 30 calendar days of your receipt of this letter, I will consider the matter unresolved and will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General.

This is a formal exercise of my rights, and no further action may be taken against me regarding this alleged debt without full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/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 explanation
Consumer complaint received 2025-04-01 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/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 2025-04-01 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XXXX SSN : XXXX Type : XXXX XXXX XXXX XXXX Number : XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. 

Subject : Request for Removal of Negative Bank Account Record. 
Dear, Early Warning Services Dispute Department, I am writing to formally dispute the negative banking record reported under my name in your system Upon reviewing my financial records and I believe this information is inaccurate, unfair, has been resolved and have no record of opening few banks on my report due identity theft. 

Bank : XXXXXXXX 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 XXXX XXXX XXXX I request that you investigate this matter and remove the negative record from my file that confirm this issue has been resolved or that the report is incorrect. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or outdated information on my record. Please provide me with written confirmation of the results of your investigation and any action taken to correct this issue, I appreciate your prompt attention to this matter and look forward to your response within the legally required timeframe. Should you need further information, please contact me at XXXX or XXXX. Im requesting the following information be deleted from my Early Warnings Consumer report immediately. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a request for a refund from a completed return be made to the original method of payment rather than a gift card XXXX XXXX, XXXX  ; to Amazon. The next day my gift card balance showed : XX/XX/year> - Gift card balance removed -Claim Code XXXX ; Serial number ; XXXX - Amount ; XXXX - Balance ; XXXX When I asked what that code meant no one could, or would answer. Instead the agent told me there was a glitch, and the system didn't process the credit. He then assured me he had taken care of it. This is all well documented in their own words. After another attempt to resolve this failed, I filed a dispute. I got the email today saying my dispute was resolved, and declined, and I would receive a letter within XXXX  days/with explanation. In my mind the issue is not resolved because I lost my refund.

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 monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent National Credit Systems ( NCS ) a written dispute of a debt they are reporting. I have no contractual relationship with NCS and never agreed to pay them or authorized them to report on my credit.

In response, they submitted limited documentation from a third-party property manager but never validated the debt directly with me as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The charges remain disputed, and no legally sufficient documentation has been provided to prove I am liable.

Despite this, they have continued reporting to the credit bureaus, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). I submitted a follow-up letter demanding full deletion, which is attached to this complaint. I am asking that NCS immediately remove this account from my credit report due to their failure to validate the debt and continued unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

My name is XXXX XXXX Account XXXX  XXXX Account number 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 2025-04-01 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: GA

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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-01 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: Chime Financial Inc
State: WI

Complaint narrative:
Yes there is transactions that I don't recognize on my account and I was targeted at XXXX by law enforcement in host with host knowledge I was hospitalized I went to the inspector general doing my stay there I have had a hard time dispute claim my with chime Bank every time I have called to dispute specifically the XXXX charge due to merchanting service they will hang up they will lie to try to stop me from disputing my claim I started to dispute this claim XX/XX/XXXX after being stressed out contact local authorities I want the same day which is XX/XX/XXXX. 
XX/XX/XXXX was able to dispute the claim if I were actually on the phone with the bank it appears to be called forwarded with live representative of XXXX descent the officers that I talked to who came out to speak with me was a XXXX descent to XX/XX/XXXX {$490.00} was paid to the merchant Airbnb and XX/XX/XXXX {$65.00}. XXXX cents was took out of my account at XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation