vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital received my documentation on XX/XX/year>. The collection accounts were removed from my XXXX credit report but then reinserted a few days later. I called Spring oaks capital and XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy currently showing on my credit report. I have official documentation from the court that clearly confirms this bankruptcy should not have been reported to the credit bureaus in the first place. The fact that it still appears on my credit file despite this court-issued letter is both concerning and disappointing. 

In addition, the presence of an unauthorized third party involved in this matter only adds to the severity and urgency of the situation. This raises serious concerns about the accuracy, security, and overall integrity of the information being reported on my credit file. I kindly request that you carefully review this matter, take the necessary steps to investigate, and ensure that this incorrect bankruptcy entry is promptly and permanently removed from my credit 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 non-monetary relief
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: DISCOVER BANK
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at XXXX XXXX XXXX XXXX et. seq., this creditor has violated my rights. 

Under XXXX XXXX XXXX XXXX XXXX ( a ) XXXX, it is stated that I have the right to privacy. 

Furthermore, XXXX XXXX XXXX XXXX XXXX Sec. XXXX also states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at XXXX XXXX XXXX XXXX et. seq., this creditor has violated my rights. 

Under XXXX XXXX XXXX XXXX XXXX ( a ) XXXX, it is stated that I have the right to privacy. 

Furthermore, XXXX XXXX XXXX XXXX XXXX Sec. XXXX also states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally raise a serious complaint regarding my Experian account. For several months now, my Experian profile has been compromised with an unknown individuals phone number and email address listed under my account. As a result, I am completely unable to access or manage my credit profile, including the ability to freeze or unfreeze my credit. 

Each time I attempt to register a new account or reset access to the existing XXXX, I am prompted to verify a code that is sent to the fraudulent email or phone numberinformation I do not own or have access to. This has effectively locked me out of my own Experian account. 

I have made multiple attempts to resolve this issue by calling Experian 's customer service line, only to be repeatedly directed back to their online systemwhich I can not access due to the very nature of this problem. In XXXX of this year, I submitted a formal written complaint to Experian. The only response I received was a letter confirming that my credit has been frozen. However, I still have no access to manage or lift the freeze or perform any other essential account functions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NV

Complaint narrative:
PNC is restricting access to my funds. I ordered a new debit card recently because my old one expired and they sent the replacement to an old address and I was not able to retrieve it because the old address was XXXX miles away from where I currently reside and I suspect the new tenant at that address discarded the piece of mail, since it was not in their name. 

Upon ordering a new debit card PNC retired my old PIN number that I had been using with with them for over a decade and they did so without my permission. PNC then failed to deliver me a mailer that included my new PIN. I called and they refused to help. All they offered was to send me another PIN mailer or to go into a branch. 

I am moving from my current address and going on an extended wilderness trip in a 2 days so another mailer is a useless solution because. 

I can not go into a branch because the closest branch is XXXX miles away from where I live, so that solution is useless as well. 

I asked to speak to a manger and I was put on an excessively long hold. XXXX mins.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am a amex customer for more than XXXX  years with both personal and business cards. I spend {$40000.00} to {$60000.00} annual and has always pay the bills on time. XX/XX/year> I received notices that all my card accounts are closed without any warning. all the points/credit/benefits I have are forfeited. Plus I have to spend time to changes all the recurring payments and explaining to my customers. There is no more communication from them and I cant believe this is what I got from XXXX yrs of relationship. Also I feel they close my accounts because of my XXXX last name. Wonder if this has anything to do with the race. Please make sure others dont suffer from my mistakes and stay away from amex . Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a request for my credit report through XXXX, but I realized that the mailing address listed was incorrect. I am very worried that my credit report might be sent to the wrong address, which could put my personal information at risk. I have tried calling XXXX many times, but there is no option to speak to a live representative to fix or cancel the request. Please cancel my credit report request immediately and do not send it. I need written confirmation that it has been canceled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am submitting this complaint regarding the unauthorized access and disclosure of my student loan records as a result of the XXXX XXXX XXXX XXXX XXXX XXXX  ) data breach in XX/XX/year>. 

It has been publicly disclosed that XXXX, under XXXX XXXX leadership, accessed sensitive borrower data from the XXXX Department of Education without proper authorization, violating the Family Educational Rights and Privacy Act ( FERPA ). This breach compromised my personal and financial information, putting me at risk of identity theft and resulting in inaccurate and harmful reporting on my credit profile. 

Due to this violation, I am formally requesting the CFPBs assistance in : XXXX. Investigating this incident and its impact on my financial records. 
XXXX. Facilitating the removal of any derogatory student loan-related accounts from my credit reports. 
XXXX. Ensuring corrective measures are taken by the responsible parties. 

This is a serious violation of federal privacy laws, and I am seeking urgent resolution. 

Desired Resolution : Full investigation and verification of the data breachs impact. 
Removal of compromised student loan account ( XXXX ) from credit reports. 
Written confirmation of corrective actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am submitting this complaint regarding the unauthorized access and disclosure of my student loan records as a result of the XXXX XXXX XXXX XXXX XXXX XXXX  ) data breach in XX/XX/year>. 

It has been publicly disclosed that XXXX, under XXXX XXXX leadership, accessed sensitive borrower data from the XXXX Department of Education without proper authorization, violating the Family Educational Rights and Privacy Act ( FERPA ). This breach compromised my personal and financial information, putting me at risk of identity theft and resulting in inaccurate and harmful reporting on my credit profile. 

Due to this violation, I am formally requesting the CFPBs assistance in : XXXX. Investigating this incident and its impact on my financial records. 
XXXX. Facilitating the removal of any derogatory student loan-related accounts from my credit reports. 
XXXX. Ensuring corrective measures are taken by the responsible parties. 

This is a serious violation of federal privacy laws, and I am seeking urgent resolution. 

Desired Resolution : Full investigation and verification of the data breachs impact. 
Removal of compromised student loan account ( XXXX ) from credit reports. 
Written confirmation of corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am submitting this complaint regarding the unauthorized access and disclosure of my student loan records as a result of the XXXX XXXX XXXX XXXX XXXX XXXX ) data breach in XX/XX/year>. 

It has been publicly disclosed that XXXX, under XXXX XXXX leadership, accessed sensitive borrower data from the XXXX Department of Education without proper authorization, violating the Family Educational Rights and Privacy Act ( FERPA ). This breach compromised my personal and financial information, putting me at risk of identity theft and resulting in inaccurate and harmful reporting on my credit profile. 

Due to this violation, I am formally requesting the CFPBs assistance in : XXXX. Investigating this incident and its impact on my financial records. 
XXXX. Facilitating the removal of any derogatory student loan-related accounts from my credit reports. 
XXXX. Ensuring corrective measures are taken by the responsible parties. 

This is a serious violation of federal privacy laws, and I am seeking urgent resolution. 

Desired Resolution : Full investigation and verification of the data breachs impact. 
Removal of compromised student loan account ( XXXX ) from credit reports. 
Written confirmation of corrective actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a formal complaint against LexisNexis Risk Solutions for inaccurately reporting a Chapter XXXX bankruptcy that can not be verified to belong to me. In CFPB Case # XXXX, LexisNexis responded by stating that they verified the bankruptcy using XXXX, not the court directly, and that the address on the docket matches a historical address they have on file. 

However, their verification is both misleading and noncompliant with the Fair Credit Reporting Act ( FCRA ), for the following reasons : The address LexisNexis reports is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX The court record from XXXX  actually states : XXXX XXXX XXXX XXXX XXXX, Apt XXXX, XXXX XXXX, FL XXXX ( Spelled XXXX XXXX, not XXXX XXXX ) LexisNexis altered the address from the public record without disclosing that fact and used it to claim a match, violating FCRA XXXX ( b ) by failing to ensure maximum possible accuracy XXXX 
LexisNexis also : Failed to provide court-certified documentation. 
Relied solely on XXXX, which is not an official verification method. 
Did not disclose the method of verification per FCRA XXXX ( a ) ( XXXX ). 
Continued to furnish unverifiable data to XXXX. 
LexisNexis also did not provide a valid reinvestigation. Altering an address from the public record to justify reporting a bankruptcy associated with me is reckless and deceptive, particularly because the formatting, spelling, and directional marker are materially different.

Company response to consumer: Closed with explanation