vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
Subject : Formal Complaint and Dispute Against XXXX for False and Harmful Credit Reporting Dear CFPB, My name is XXXX XXXX XXXX, and I am filing a formal dispute against XXXX for inaccurately reporting XXXX separate XXXX delinquencies on my credit report tied to student loans I never agreed to, nor received proper notice or documentation for. 

Account Details : Loan # XXXX : {$2600.00} Reported as 90 days late Loan # XXXX : {$2200.00} Also reported as 90 days late Both delinquencies were reported across all three credit bureaus : XXXX, Experian, and XXXX. 

I attended XXXX XXXX XXXX in 2018 and have not received any billing statements, payment requests, or communications from XXXX in the past XXXX years. I also do not recall signing or agreeing to any repayment terms for these loans. 

This sudden appearance of XXXX XXXX late marks on my credit report is not only extremely damaging to my financial reputation, but appears to violate multiple sections of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations That Apply : 15 U.S. Code 1681s-2 ( a ) : XXXX, as a furnisher of information, has a legal responsibility to report only accurate and verified data to credit bureaus. Reporting me 90 days late for two loans I never acknowledged or received notices for is a direct violation.

15 U.S. Code 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. These delinquencies are both inaccurate and misleading, and should not be reported.

15 U.S. Code 1681i ( a ) : When a dispute is filed, the information furnisher ( XXXX ) is obligated to provide verified documentation, such as the original signed promissory notes or other legally binding agreements. Failing to do so means the entries must be corrected or deleted. 

My Requests : I am requesting that XXXX provide documentation of both loan agreements, including my original signature and a full payment history. 

If this information can not be verified, I am requesting the complete removal of both accounts from my credit reports or at the very least, correction of the false XXXX late notations. 

I am asking the CFPB to investigate XXXXs reporting practices and hold them accountable for potential FCRA violations, as their actions have caused real and unjust harm to my credit standing. 

Attached are supporting documents including screenshots from my credit report showing the XXXX accounts in question. 

Thank you for your attention to this matter. I appreciate your help in ensuring that my consumer rights are protected and that my credit report reflects only verified, lawful, and accurate information.

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 2025-04-09 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: WI

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to Debt Bondage, which is recognized as a form of XXXX under the CFPBs XXXXDebt Final Rule 1002.142 ( b ) ( 5 ) 1002.142 ( b ) ( 7 ).

Please block this information from my credit report within four business days, under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of debt bondage and request that the following accounts be blocked and deleted from my TransUnion credit file : Ref # XXXX Balance : {$0.00} Account # XXXX Balance : {$1400.00} Account # XXXX Balance : {$220.00} Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$59000.00} Account # XXXX Balance : {$4200.00} Account # XXXX Balance : {$620.00} Account # XXXX Balance : {$59000.00} Account # XXXX Balance : {$1900.00} Account # XXXX Balance : {$160.00} Account # XXXX Balance : {$3100.00} Account # XXXX Balance : {$490.00} * Acct. XXXX XXXX. XXXX * Acct. XXXX Bal. {$180.00} * Acct. XXXX XXXX. {$1100.00} * Acct. XXXX Bal. {$5800.00} * Acct. XXXX Bal. {$1300.00}

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 2025-04-09 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: DC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report, it has come to my attention that your office has again violated my privacy. 15 U.S.C. 1681, Section 602a ; 15 U.S.C. 1681, Section 604 ; and Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No consent is fraudulent.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed regarding fraudulent and inaccurate late payments on my XXXX credit report.The reporting of this late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit Account ( XXXX  XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment ( 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 explanation
Consumer complaint received 2025-04-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding Experians refusal to remove an inaccurate charge-off from my credit report, despite my repeated disputes. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Issue Details : Creditor Name : XXXX XXXX Account Number : Last 4 digits of social ( XXXX ) Charge-off Date : [ XX/XX/XXXX ] Reason for Dispute : On Experian it says the debt is paid off in full. However account show as a charge off in the negative. Every time I dispute the account Experian allows the company XXXX XXXX to update charge off in formation. 

Steps Taken So Far : On XX/XX/XXXX, I disputed this charge-off directly with [ Experian ] via, but they verified the information without proper investigation. 

On XX/XX/XXXX, I contacted Experian to resolve this issue, but they [ refused to correct it/ failed to respond ]. 

I have attached copies of my dispute letters, credit reports, and any supporting documents ( e.g., payment confirmations, settlement agreements, or correspondence with the creditor ). 

Request for Assistance : Under the FCRA ( 15 U.S.C. 1681 ), credit bureaus must conduct a reasonable investigation of disputed items. I request that the CFPB : Investigate why the credit bureau failed to properly correct this error.

Ensure the charge-off is removed or updated accurately on my credit report.

Provide confirmation of resolution once completed.

Attachments : Copy of my credit report ( highlighting the disputed item ) Copies of dispute letters sent to the credit bureau & creditor Any proof of payment/settlement ( if applicable ) Thank you for your assistance. Please contact me at XXXX XXXX if additional information is needed. 

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 explanation
Consumer complaint received 2025-04-09 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that XXXX and without delay block all fraudulent information currently polluting my consumer credit report. You have XXXX business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
XXXX DISPUTE DATE COMPANY ADDRESS REQUEST ORIGINATOR 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 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 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  - - - No Data XXXX XXXX XXXX XXXX Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from XXXX. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 
T Name Requested On 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 explanation
Consumer complaint received 2025-04-09 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: WA

Complaint narrative:
I was recently reviewing my credit report and noticed that there was a fraudulant account and also an address that doesnt belong to 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 2025-04-09 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for reporting inaccurate and unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection laws.

Inconsistent Reporting Across Credit Bureaus : Equifax, TransUnion, and Experian are all reporting different information regarding this account. 
Some list the account as " charged off, '' others say " unpaid balance reported as a loss, '' and TransUnion provides no meaningful payment history.

This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent data.

Failure to Report Correct Payment History : The account shows a charge-off status with a {$0.00} balance, yet it's being reported as a major derogatory account with multiple lates. 
Payment history contains errors and fails to reflect a properly maintained timeline some months are missing or marked NR with derogatory marks still showing, which is misleading. 
Possible Duplicate Reporting ( If Sold ) : The account is noted as " purchased by another lender. '' If this debt has been sold or assigned to a collection agency ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt. 
The original creditor should cease reporting this account as it results in duplicate derogatory reporting, violating the FCRA and FDCPA. 
Lack of Verifiable Documentation : I have requested proof of the original account agreement, detailed payment records, and the complete accounting breakdown of charges and charge-off activity. 
No such documents have been provided. As a result, the reported information is unverifiable and must be removed under FCRA 609 and 611.

Relief Requested : I am demanding the immediate deletion of this XXXX XXXX XXXX XXXX account from all three major credit bureaus ( Equifax, TransUnion, and Experian ) due to : Inaccurate, inconsistent, and misleading information Unverifiable data and lack of documentation Possible duplicate reporting by a debt buyer Violation of my consumer rights under FCRA and CFPB regulations

Company response to consumer: Closed with non-monetary relief