vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to respectfully and urgently ask for your assistance regarding an issue I am experiencing with Experian and the reporting of my XXXX XXXX. 

XXXX  months ago, the XXXX XXXX XXXX XXXX graciously XXXX over {$75000.00} of my XXXX XXXX debt. I was, and still am, incredibly grateful for this relief. In good faith, I contacted Experian and provided them with the official documentation reflecting the XXXX loans. My intent was for the XXXX loans to be correctly removed from my credit report. 

Unfortunately, instead of only removing the XXXX or paid-off loans, Experian deleted all of my XXXX XXXX from my credit reportincluding the XXXX that are currently open, active, and in good standing through XXXX. 

Since then, I have contacted Experian on at least XXXX separate occasions. I have pleaded with them to correct this error and to reinstate the XXXX current loans to my credit report. I even included copies of the relevant documentation each time. Experian repeatedly told me that I needed to contact XXXX in order for the loans to be reported again. I followed through on that request and reached out to XXXX, who confirmed that they did in fact notify Experian. Still, Experian has not corrected my credit report or reinstated the XXXX active loans. 

These loans are open, current, and in good standing, and their presence on my credit report would reflect positively and accurately on my financial record. Their absence is negatively impacting my credit score and does not reflect my responsible repayment efforts. 

I am now turning to the Federal Trade Commission for help because all of my efforts to resolve this matter directly with Experian have failed. I am simply asking for a fair and accurate representation of my credit history. Please help me by ensuring that Experian reinstates my three open XXXX student loans to my credit report. 

Your assistance in correcting this error would not only be deeply appreciated but also make a significant difference in my financial standing and future. 

Thank you so much for your time, attention, and advocacy on behalf of consumers like me.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Let me be absolutely clearthis complaint is deliberate and justified. My credit report contains inaccurate information that does not meet the legally mandated standard of maximum possible accuracy. These inaccuracies are causing continuous and significant harm to both my financial stability and personal well-being.

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 2025-06-20 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: IN

Complaint narrative:
I am disputing a negative item on my credit report related to a student loan serviced by XXXX. XXXX acknowledged that they did not have the correct email address, phone number, or home address on file when they took over servicing the loan. As a result, I was never contacted or notified about any payments due. 

The only documentation XXXX provided was a generic, system-generated message acknowledging that they had incorrect contact information on file ( specifically, my email address and phone number ). They explained that their system does not allow for customized or detailed correspondence, so they were unable to elaborate further. This response does not accurately represent the full context of my situation, and it was only sent after I proactively contacted them and provided my correct contact information. 

Due to XXXX failure to maintain accurate contact information, I was unaware that the loan was active or that any payments were required. I was not given a fair opportunity to bring the account current or avoid delinquency. 

I only discovered these negative marks when I checked my credit report on my own. As soon as I became aware of the issue, I immediately took action by placing the account into deferment a standard option I have used responsibly in the past. There is no reason I would have let the account become delinquent if I had known payments were due, as I have always maintained an impeccable payment history. 

My credit reports reflects the following delinquencies : XXXX XXXX XXXXXXXXXXXX XXXX XXXX days past due ( Experian anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) {XXXX XXXX XXXX XXXX _____________________________________________________________________ XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) {$160XXXX XXXX XXXX XXXX XXXX_ I submitted XXXX dispute to ExperianXXXX XXXX XXXX XXXX XXXX XXXXXXXX supporting documentation XXXX but they declined to remove the negative item. Due to character limits on their online dispute forms, I was only able to include the generic message provided by XXXX and a brief description of the situation, which limited my ability to fully explain the context.

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 2025-06-20 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: IN

Complaint narrative:
I am disputing a negative item on my credit report related to a student loan serviced by XXXX. XXXX acknowledged that they did not have the correct email address, phone number, or home address on file when they took over servicing the loan. As a result, I was never contacted or notified about any payments due. 

The only documentation XXXX provided was a generic, system-generated message acknowledging that they had incorrect contact information on file ( specifically, my email address and phone number ). They explained that their system does not allow for customized or detailed correspondence, so they were unable to elaborate further. This response does not accurately represent the full context of my situation, and it was only sent after I proactively contacted them and provided my correct contact information. 

Due to XXXX failure to maintain accurate contact information, I was unaware that the loan was active or that any payments were required. I was not given a fair opportunity to bring the account current or avoid delinquency. 

I only discovered these negative marks when I checked my credit report on my own. As soon as I became aware of the issue, I immediately took action by placing the account into deferment a standard option I have used responsibly in the past. There is no reason I would have let the account become delinquent if I had known payments were due, as I have always maintained an impeccable payment history. 

My credit reports reflects the following delinquencies : _____________________________________________________________________ __________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX _____________________________________________________________________ __________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1300.00} ( Equifax ) _____________________________________________________________________ XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) ____________________________________________________________________ I submitted XXXX dispute to XXXX, Equifax, and XXXX  along XXXX supporting documentation XXXX but they declined to remove the negative item. Due to character limits on their online dispute forms, I was only able to include the generic message provided by XXXX and a brief description of the situation, which limited my ability to fully explain the context.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
DEAR CFPB TEAM, Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. 
I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : ID, SSN, PROOF OF ADDRESS, LETTER TO THE AGENCY. 
Thank you for your immediate attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Soja Management Services, LLC
State: WA

Complaint narrative:
I am disputing the continued reporting of a repossessed vehicle account by XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S. Code 1681s-2 ( b ) Responsibilities of furnishers of information to consumer reporting agencies.

Once a consumer notifies a credit bureau of a dispute, the furnisher of the information ( in this case, XXXX XXXX XXXX ) must investigate, correct, or delete inaccurate or unverifiable information within 30 days. 

This tradeline is inaccurate for the following reasons : 1. The vehicle was voluntarily surrendered in 2020 due to mechanical failure ( engine failure within 60 days of purchase ).

2. The vehicle was subsequently resold, which should have been applied to the balance.

3. The account continues to report monthly derogatory payments as if the asset still exists, which is false and misleading.

Continued monthly derogatory reporting after the surrender date falsely implies missed payments on an account I no longer possess a direct violation of 15 U.S. Code 1681i ( a ) and 1681s-2 ( b ). 

I am requesting that the credit bureaus and XXXX XXXX XXXX immediately correct, suppress, or remove this tradeline from equifax If the furnisher can not verify the current balance and payment status with accurate documentation, this account must be deleted in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
Issue : Private student lender violated in-school deferment terms and continues to misreport loan status. 

Company : Sallie Mae / XXXX Product : Private student loan Problem : Incorrect information on credit report ; failure to honor deferment terms Full Narrative I am filing this complaint against Sallie Mae for violating the terms of my private student loan. I was enrolled in school from XXXX to XXXX and paid $ 25 monthly to reduce interest, as agreed. Despite this, Sallie Mae immaturely charged the loan, disregarding the active in-school deferment status they were fully aware of. 

I also submitted a bar study deferment request with full documentation, which has been ignored. Sallie Mae continues to report this loan as active and due, which directly violates their stated policies and the terms of my loan agreement. 

In the last, they claim to lose the forms to lessen the harm. However, they continue to harass individuals from 3 different states. Upon answering a call, they ignored my co-signers chronic illness and continued to sell more credit products, misleading us in thinking the agent was helping. Three co-signer releases, over 5 deferment forms, and one clerkship/ bar study deferment form. They claim to lose several of my forms despite being uploaded directly in the site. 

I have disputed the account with all three credit bureaus and included a consumer statement. In addition, I filed a formal complaint with the Virginia Attorney Generals Office, as Sallie Maes refusal to correct this issue amounts to negligent and possibly fraudulent behavior. Their actions have damaged my credit and caused unnecessary distress. 

I request immediate correction of this account to reflect deferment status during both my in-school and bar study periods, along with written documentation of their investigation and response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I had an account with chime they closed my account due to an external account being added to my account I called and emailed numerous times to let them know it was me I didnt add no account nor did I receive any money they said they are unable to show me my transactions cause I want to know when I received fraudulent money they closed my account with my funds I had in my savings account and never returned it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am asking for your help to investigate these accounts from companies that are inaccurately reporting late payments. After reviewing my credit report, I found that certain accounts show late payments which are incorrect. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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