vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
This letter serves as a formal demand for removal of unauthorized and inaccurate information reported by XXXX XXXX Bank ( Acct # : XXXX ) and XXXX XXXX XXXX XXXX ( Acct # : XXXX * * * ) * *. 

I have never provided written authorization or signed consent for either entity to furnish or publish my consumer data to your bureau. Their reporting constitutes a violation of 15 U.S.C. 1681b ( a ) ( 2 ), 1681b ( f ), and 1681s-2 ( a ) ( 1 ) ( A ).

Under 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a report with the consumers written consent. Because no such authorization exists, you are required to delete these accounts. Additionally, 1681e ( a ) obligates your agency to prevent reports furnished without a permissible 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 non-monetary relief
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-11 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 identified inaccuracies in my Equifax credit report. The following accounts are being disputed due to incorrect reporting, and the inquiries and late payments should be thoroughly investigated for corrections. 

Disputed Accounts ( Charged-Off ) : DISCOVERCARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Disputed Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
I am writing to dispute the following information reported on my Equifax credit report. These accounts may contain inaccuracies or incomplete information, and I respectfully request that they be investigated and corrected. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : FCTUALDATA Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/year> I contacted AMERICAN EXPRESS regarding text I was receiving for an account number and name that is not mine. I was told that my phone number was associated with another account and they had resolve the issue and removed my phone number from that account. I then received numerous phone calls and text at the end of XXXX into the beginning of XXXX. I contacted AMERICAN EXPRESS again regarding the fact that my phone number was still associated with multiple accounts and that I was receiving fraud warnings and verification codes for. I again explained that my phone number needed to be removed from those accounts. I was told that that it would be taken care of. On XX/XX/year> I called again after receiving XXXX phone calls in less than XXXX hours from AMERICAN EXPRESS regarding fraudulent charges on accounts that were not mine. They opened a complaint ticket that I was told would be resolved within 14 days. XXXX months later, I am still receiving texts and notifications regarding fraudulent information on my account and verification codes for transactions regarding accounts that do not belong to me and for names that are not mine. I spoke with AMERICAN EXPRESS yet again and was told that as of today when I called, they had escalated my complaint from XXXX and have yet to resolve the issue because my phone number is associated with multiple accounts, but they dont see any fraudulent issues on their side because theyre not trying to open the account in my name or associate my card with any of the charges. They refuse to give me a timeline as to when they will have my phone number removed from these accounts and told me that XXXX just going to have to be patient and deal with it until they resolve it. The fraud notifications and security verification codes that I receive via text and phone call is beyond harassment at this point and despite all my complaints they have done nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: WA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I must emphatically stress that this complaint is not a mistake and demands your immediate, undivided attention it is a serious violation that can not be dismissed. 
My credit report contains glaring inaccuracies that fail to meet the mandatory standard of maximum possible accuracy, infringing on my rights. 
These errors are severely burdening me and relentlessly affecting my life in profoundly negative ways that are unimaginable to others. 
These are extraordinarily challenging times, and correcting or removing these inaccuracies is not just helpful it's an absolute necessity that would be a true blessing and a matter of justice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MO

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXXI am submitting a complaint regarding a debt reported by CBNA (Account Number: XXXX XXXX XXXX. I do not recognize this debt, and I have not received sufficient documentation to validate its legitimacy.'

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 2025-11-11 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am disputing the following accounts and inquiries on my TransUnion credit report. These items are inaccurate and require immediate correction. 

Charged-Off Accounts [ No records provided for TransUnion ] XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXX XXXX XXXXXXXX

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a complaint against National Credit Systems , Inc. ( NCS ) and XXXX  regarding inaccurate credit reporting and improper debt verification.

The account in question is NCS account # XXXX, allegedly associated with XXXX XXXX XXXX XXXX XXXX. The reported balance is {$1700.00}, which is inaccurate. 

On XX/XX/XXXX, I sent a certified debt validation request to NCS pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ). 
Tracking number XXXX, delivered XX/XX/XXXX, signed by XXXX XXXX. 

NCS never provided proper validation of the debt. They did not include any payment ledger or evidence showing how the {$1700.00} balance was calculated, nor did they provide any assignment or authorization from the original creditor giving them legal authority to collect. 

Despite this, XXXX  marked the account as verified on XX/XX/XXXX, even after receiving my supporting documentation showing that no proper validation had been completed. 

Additionally, NCSs own XXXX XXXX dated XX/XX/XXXX, admits to an internal billing error that reads : Rent should not have been charged for XX/XX/XXXX. 

This proves the balance is inaccurate. 

NCS has therefore violated : FDCPA 1692g ( b ) by continuing collection activity without providing proper validation ; FDCPA 1692e ( 8 ) by communicating false credit information to XXXX after receiving my dispute ; FCRA 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation after XXXX  notified them of my dispute ; and FCRA 1681s-2 ( a ) ( 1 ) by furnishing inaccurate information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My issue is I originally had student loans with XXXX which as been closed and now I have DEPTEDNELNET and thats Family educational rights, and privacy act FERPA : ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information. Higher educational act ( HEA ) : Establishes the responsibility of educational institutions and loan services to protect student data, Privacy Act of XXXX  : prohibits the unauthorized sharing of of personal information help by federal agencies. Breach of contact ; the unauthorized sharing of student loans borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. Given the severity of this data breach and the failure to uphold federal regulations protections, I formally request immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 

I appreciate your prompt attention to this matter and look forward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I do not recollect this account XXXX, XXXX, with a balance of {$810.00}, on my credit report. This account was created on XXXX XX/XX/year>. I would like this removed as it is negatively affecting my credit report and making my financial situation difficult. I've contacted this company regarding this debt and requesting validation but I haven't received any information afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
I am submitting this complaint to dispute inaccuracies in my credit reports as provided by the credit bureaus. Below are the details of the accounts in dispute across the XXXX bureaus. I respectfully request that an investigation be initiated, and any inaccuracies be corrected. 
Experian ( EX ) Charged-Off Accounts : XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Account Date : XX/XX/XXXX Balance : {$2500.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$590.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$730.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2600.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$610.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Account XXXX : XX/XX/XXXX Balance : {$980.00} XXXX XXXX XXXX Account Number : XXXX Account XXXX : XX/XX/XXXX Balance : {$690.00} Inquiries Experian ( EX ) : 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 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 2025-11-11 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: CA

Complaint narrative:
I am disputing the following accounts and inquiries that appear on my credit report with Equifax. I believe they may contain inaccuracies and request a thorough investigation into these items. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
I am disputing the following items on my TransUnion credit report that appear to be inaccurate or unverifiable. 

1. Charged-Off Account XXXX XXXX XXXX XXXX, Account No. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year>, XXXX : {$89.00} Please verify this account with the original creditor. If it can not be fully verified, please remove it from my credit report. 

2. Inquiries : XXXX, XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing these inquiries. Please confirm that they were made with my consent and meet FCRA permissible purpose. Remove any unverifiable inquiries. 

3. Late Payment : XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dispute the late payment reported for this account. Please verify with the original creditor and remove any incorrect or unverifiable reporting.

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 2025-11-11 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: FL

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 explanation