vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have had repeated phone calls telling me I owe XXXX XXXX XXXX a debt of over XXXX $ and it has been filed against my credit and has impacted me negatively. When I received the original documentation my name is wrong. There is no signature. My social isn't even on it. There's nothing showing I ever accepted this " loan '' because until I started being harassed I had no knowledge of it! Because I never received or even applied for a loan from XXXX for XXXX XXXX. But this fake debt is on my credit report and I'm receiving calls about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
They have Unfair and Deceptive Trade Practices Acts ( UDTPA ) NC General Statutes 75-1.1 Violation : Reporting falsely or deceptively in a way that causes financial harm to you may be considered an unfair trade practice, especially if its willful or repeated.

Internal Revenue Code 26 U.S. Code 6050P Viola
tion : If CarMax charged off or canceled {$600.00} or more of the debt and failed to issue a Form 1099-C, that violates IRS rules.

This also causes tax implications for you ( phantom income ), while simultaneously damaging your credit.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 Violations : Reporting or attempting to collect on a debt that is no longer legally enforceable or has been forgiven. 
Using false, misleading, or unfair representations in relation to the debt ( e.g., calling it active when its charged off or forgiven ).

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 Violations : Reporting inaccurate information ( dual status as charge-off and collections ).

Failure to correct errors after a dispute.

Failure to investigate the dispute properly or reasonably.

Failure to update the credit bureaus if the account is no longer collectible or if the debt was forgiven.

Please investigate for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
They have Unfair and Deceptive Trade Practices Acts ( UDTPA ) NC General Statutes 75-1.1 Violation : Reporting falsely or deceptively in a way that causes financial harm to you may be considered an unfair trade practice, especially if its willful or repeated.

Internal Revenue Code 26 U.S. Code 6050P Viola
tion : If CarMax charged off or canceled {$600.00} or more of the debt and failed to issue a Form 1099-C, that violates IRS rules.

This also causes tax implications for you ( phantom income ), while simultaneously damaging your credit.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 Violations : Reporting or attempting to collect on a debt that is no longer legally enforceable or has been forgiven. 
Using false, misleading, or unfair representations in relation to the debt ( e.g., calling it active when its charged off or forgiven ).

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 Violations : Reporting inaccurate information ( dual status as charge-off and collections ).

Failure to correct errors after a dispute.

Failure to investigate the dispute properly or reasonably.

Failure to update the credit bureaus if the account is no longer collectible or if the debt was forgiven.

Please investigate for immediate removal.

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 2025-04-22 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:
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 2025-04-22 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:
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 2025-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Between XXXXXXXX XXXX XXXX XXXX I submitted multiple certified dispute letters to Experian regarding two actively reported collection accounts : one from XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( {$590.00} ) and another from XXXX XXXX XXXX XXXX XXXX XXXX  ( {$440.00} ). Each dispute included a copy of my government-issued ID and proof of address fully satisfying FCRAs identity verification standards. 

Experian acknowledged receipt via email, proving they were aware of who I was and had everything needed to process my disputes. Despite this, they falsely labeled the disputes as unauthorized or suspicious, and failed to provide any results of investigation, any validation from the data furnishers, or any breakdown of their investigation process. 

As of XX/XX/XXXX, both accounts remain on my credit report. Experians failure to investigate, respond properly, or remove unverifiable data is not just negligent it is willful noncompliance that violates multiple federal and state consumer protection laws, including : Federal Violations : FCRA 611 ( a ) ( 1 ) Failure to reinvestigate disputed information within 30 days FCRA 611 ( a ) ( 2 ) ( B ) Failure to forward relevant information to the data furnisher FCRA 611 ( a ) ( 7 ) Failure to provide a description of the reinvestigation process FCRA 607 ( b ) Failure to maintain maximum possible accuracy in reporting FCRA 616 Willful noncompliance ( liable for punitive damages ) FCRA 617 Negligent noncompliance ( liable for actual damages ) FDCPA 809 ( a ) Failure to provide debt validation when requested HIPAA 45 CFR 164.508 Reporting of medical debt without patient authorization Texas State Violations : Texas Finance Code 392.202 Failure to correct or delete disputed information Texas Business & Commerce Code 20.06 ( a ) Failure to reinvestigate within 5 business days and complete within 30 Texas Finance Code 392.403 Civil remedy for violations of Chapter 392 Texas Deceptive Trade Practices Act ( DTPA ) 17.46 ( b ) Engaging in false, misleading, or deceptive acts These violations have directly harmed my creditworthiness, damaged my ability to access housing and employment, and caused unnecessary stress and financial uncertainty. Experians conduct is not isolated it reflects a broader pattern of consumer rights violations and strategic noncompliance.

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 2025-04-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX Request for Debt Validation Under 15 U.S.C. 1692g ( FDCPA ) To Whom It May Concern, I am requesting validation of the alleged Ally Financial debt referenced in your recent communication, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have requested this information several times. 
Please provide the following : 1. The name and address of the original creditor.

2. The original amount of the alleged debt.

3. The itemization of any fees, interest, or other charges.

4. A copy of the original agreement or signed contract.

5. Proof that your agency is licensed to collect debts in my state.

6. Evidence that you own or have been assigned the debt. 
Until validation is provided, you must cease all collection activities and reporting to credit bureaus regarding this debt, as required by law. 
This request is being made again due to " a new collection agency contacting me, '' " your failure to previously validate the debt, '' or " renewed collection activity after no communication '' ]. If you cant provide me with this information, please remove this inaccurate information from my credit profile ASAP. 
Sincerely, XXXX XXXX XXXX ________________________________________ 1. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ) o The court ruled that the collector must provide more than just a computer printout ; actual documentation of the debt is needed. 
2. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) o Held that debt XXXX must itemize how fees and interest were added to a balance to avoid misleading consumers. 
3. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) o Clarified what constitutes sufficient debt validationbut also pointed out that detailed documentation is not always required. So use with cautionit can be used against debtors too. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) o Emphasized XXXX duty to investigate and correct errors when a consumer disputes a debt.

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 2025-04-22 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: NJ

Complaint narrative:
This request is to follow up the correction of the erroneous status of my account has been diligently neglected by your agency. I have not received any response as of today. Furthermore, the inaccurate information regarding my accounts still persists on my reports. Consequently, you have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information, despite my numerous attempts to address the issue directly with the creditor, now appears as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} CREDIT XXXX BANK NA XX/XX/year> XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ROCK XXXX, KS XXXX XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
This request is to follow up the correction of the erroneous status of my account has been diligently neglected by your agency. I have not received any response as of today. Furthermore, the inaccurate information regarding my accounts still persists on my reports. Consequently, you have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information, despite my numerous attempts to address the issue directly with the creditor, now appears as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} CREDIT XXXX BANK NA XX/XX/year> XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ROCK XXXX, KS XXXX XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-04-22 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Experian for violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate, misleading, and contradictory account information. 

The subject account ( XXXX XXXX XXXX, account number ending in XXXX ) was charged off on XX/XX/XXXX, according to a formal written response I received from XXXX via a prior CFPB complaint ( Case No. XXXX ). The creditor acknowledged that the account has been charged off and is not active or open, and also confirmed that no payments have been made since XX/XX/XXXX. 

However, Experian is reporting this account inconsistently and misleadingly : 1. On my Experian account overview page, the account is being reported as an open account, contributing to a total balance of $ XXXX implies I am still actively obligated to pay this debt. 
2. On the detailed account profile, the same account is labeled as closed, with a charge-off status and ongoing CO notations in the payment history up to the present date ( XX/XX/XXXX ), even though the charge-off occurred over two years ago.

This reporting is : False and misleading, as the account can not be both open and closed simultaneously ; A violation of FCRA 1681e ( b ), which requires that Experian follow procedures to ensure the maximum possible accuracy of the information it reports ; A violation of Metro 2 credit reporting standards, which require that charged-off accounts be reported as closed, and that payment history after the charge-off should not be marked with repeated CO entries unless new delinquencies occur post-charge-off ( which did not happen here ) ; Damaging to my credit profile, creditworthiness, and overall financial stability. 

Furthermore, XXXX XXXX XXXX continues to furnish this inaccurate and conflicting data, demonstrating willful noncompliance with its duties under FCRA 623. 
Additional Harm/Injury Evidence On XX/XX/XXXX, I received an adverse action letter from XXXX XXXX ( issued by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX stating that I was denied credit in part due to information provided by Experian. The letter cited lack of bankcards and proportion of loan balances to loan amounts is too high as key factors affecting my score and creditworthiness. 

These statements correlate directly with Experians inaccurate and conflicting reporting of my XXXX XXXX XXXX account as both open and charged-off, with a high outstanding balance of {$32000.00}, despite the account having been charged off in XXXX and closed per standard credit reporting protocol. This misrepresentation has materially harmed my credit profile, misled potential lenders, and caused me to suffer a credit denial.

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 2025-04-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I requested XXXX XXXX XXXX XXXX to show proof of original contract. XXXX contracted couldn't be provided, therefore negative information reporting to my credit needs to be removed 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I requested XXXX XXXX XXXX XXXX to show proof of original contract. XXXX contracted couldn't be provided, therefore negative information reporting to my credit needs to be removed immediately.

Company response to consumer: Closed with explanation