vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: MO

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Despite my prior disputes and the evidences, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA XXXX, Experian is legally obligated to : XXXX. XXXX a timely and reasonable reinvestigation of disputed accounts. XXXX. Delete any item that can not be verified or is found to be inaccurate or incomplete. XXXX. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. 
- A detailed explanation of the methods used to verify the accuracy of each account. 
- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-09-17 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: MO

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Despite my prior disputes and the evidences, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA XXXX, Experian is legally obligated to : XXXX. XXXX a timely and reasonable reinvestigation of disputed accounts. XXXX. Delete any item that can not be verified or is found to be inaccurate or incomplete. XXXX. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. 
- A detailed explanation of the methods used to verify the accuracy of each account. 
- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX XXXX XXXX XXXX that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/year>, TransUnion properly deleted XXXX unauthorized accounts from my credit file ( XXXX XXXX XXXXXXXX Account XXXX. XXXX, XXXX, and XXXX ) after determining they were fraudulent. However, in XX/XX/year>, the very same accounts were illegally reinserted into my credit file. 

This reinsertion was done in clear violation of the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( a ) ( XXXX ) ( B ) and XXXX ( d ), because : TransUnion did not obtain the legally required written certification from the furnisher confirming the information was accurate. 

TransUnion failed to provide me with the mandatory consumer notification within XXXX business days of the reinsertion. 

Instead of meeting these strict legal requirements, the bureau relied only on a superficial verification, which the law explicitly does not allow as a substitute for certification. 

As a result, fraudulent information that was already deleted has been reintroduced into my credit file, lowering my XXXX XXXX, causing denials and delays in loan applications, increasing my interest rates, and creating renewed financial and emotional harm.

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 2025-09-17 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: CA

Complaint narrative:
The company has called excessively, even when late payment has been arranged and noted to my account they continuously harass me regarding said payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: OK

Complaint narrative:
I just recently viewed my credit report. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX : This inquiry had not permissible purpose to be on my credit report. Delete the inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXXXX : This inquiry had not permissible purpose to be on my credit report. Delete the inquiry due to violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPG Associates, Inc.
State: TX

Complaint narrative:
XX/XX/year> attempted to contact me from an unknown number and threatened me to call by XXXX or else. 
They then contacted my ex husband and left the same message for me. We have been divorced for over 5 years and no other numbers were provided on this account. 
They leave me multiple messages a day and when I called today they were rude and refused to acknowledge they provided my personal information to an ex spouse. My ex spouse recorded the conversation therfore they are in violation of the law! 
I have text messages of being threatened and happy to turn over so someone else is not affected by this companies blatant disrespect for the judicial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 filing a complaint regarding inaccurate and inconsistent information being reported by Experian, Equifax, and TransUnion. These errors are damaging my credit profile and are not being properly verified.

Disputed Issues : Collections Accounts : Equifax is reporting 3 collections, while TransUnion reports 1, and Experian does not show the same accounts. This inconsistency demonstrates unverifiable reporting.

Public Record : All three bureaus are reporting a public record, but no supporting documentation has been provided to verify its accuracy.

Late Payments/ Delinquencies : Experian reports my most recent missed payment as 1 year and 3 months ago, while TransUnion reports it as 6 months ago. Equifax does not provide a recency date. This shows material discrepancies in reporting.

Derogatory Accounts : Each bureau lists 11 accounts as 60+ days late or derogatory. I dispute the accuracy and completeness of these listings, as they have not been verified with original documentation.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I have the right to full disclosure and to dispute any inaccurate or unverifiable information. The credit bureaus must conduct a reasonable reinvestigation within 30 days and either provide documented proof of accuracy ( original signed contracts, payment histories, court records ) or delete the items. Continuing to report unverifiable or inconsistent information violates the FCRA. 

Requested Resolution : Remove or correct all unverifiable, inaccurate, or inconsistent accounts. 

Provide me with written confirmation of the results of your investigation and the documentation relied upon. 

I am attaching copies of my credit reports, with the disputed accounts highlighted, along with my identification for verification.

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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Product : Student Loan Issue : Problem with a loan servicer / privacy and data handling Complaint Summary : I am filing a complaint regarding a violation of my privacy rights connected to my federal student loan account. 

I believe my personal data has been improperly accessed and/or shared through the XXXX.S. Department of Educations systems without my authorization. I was never notified of this disclosure and did not provide consent. I have reason to believe my records were exposed or mishandled in a way that violates my rights under FERPA and other federal protections.

As a result, my trust in the Department of Education and its servicers has been severely undermined. The mishandling of my private student loan data has caused me emotional distress and has potentially impacted my eligibility for loan forgiveness programs. 

Requested Resolution : Investigate whether my student loan data was disclosed or accessed without my consent.

Confirm if a breach occurred, and identify who accessed or received my personal records.

Provide me with a written explanation of the findings.

Given the seriousness of this violation, I request that the Department of Education and my loan servicer grant appropriate relief, up to and including loan discharge/forgiveness, as remedy for the privacy breach and harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
This is an escalation of prior disputes and active CFPB complaints. Multiple unauthorized inquiries remain on the credit file despite prior challenges. The following companies obtained credit reports without authorization or permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations : FCRA 604 No permissible purpose.

FCRA 607 ( a ) CRAs must ensure inquiries are only furnished for lawful purposes.

FCRA 611 ( a ) ( 1 ) ( A ) Inaccurate information must be corrected or deleted if unverifiable.

FCRA 616 / 617 Liability for willful and negligent noncompliance.

Despite prior disputes, no documentation has been provided showing a signed application, written authorization, or permissible purpose from these entities. The CRAs have failed to meet their legal obligations to validate and correct. Reporting continues in violation of the FCRA, constituting willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
This is an escalation of prior disputes and active CFPB complaints. Multiple unauthorized inquiries remain on the credit file despite prior challenges. The following companies obtained credit reports without authorization or permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations : FCRA 604 No permissible purpose.

FCRA 607 ( a ) CRAs must ensure inquiries are only furnished for lawful purposes.

FCRA 611 ( a ) ( 1 ) ( A ) Inaccurate information must be corrected or deleted if unverifiable.

FCRA 616 / 617 Liability for willful and negligent noncompliance.

Despite prior disputes, no documentation has been provided showing a signed application, written authorization, or permissible purpose from these entities. The CRAs have failed to meet their legal obligations to validate and correct. Reporting continues in violation of the FCRA, constituting willful 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 non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts on my credit report. I did not open, authorize, or have any knowledge of these accounts. Their presence constitutes a serious inaccuracy under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of only verifiable and accurate information. 

These fraudulent entries suggest identity theft and are causing me demonstrable financial harm.

Company response to consumer: Closed with non-monetary relief