vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any deb.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the alleged debt, including : 1. The original creditors name and address ; 2. The amount of the debt, including an itemized breakdown of charges ; 3. Copies of any documentation or signed agreements proving I am legally obligated to pay this debt ; 4. Proof that your agency is authorized to collect this debt in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3100.00}

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a new checking account on XX/XX/year> with Chase Bank. I deposited a {$5000.00} check the same day. On XX/XX/XXXX I was notified that my account was locked for security purposes. This same day I went to a local branch and they explained that Im no longer welcome to bank with XXXX and that the remaining balance will be mailed to me. 2-3 weeks went by, no check mailed, so I called them. They told me the check was flagged in their system for fraud. So they called my Dad who wrote me out the check. After this call and the money being taken out of my Dads account for already almost 3 weeks, I was told again that a check would be mailed to me. I just called them again today XX/XX/year>. They started with asking for my Dads phone number again and I told them they already called him last month. They then told me they had to get in touch with a department. After I waited XXXX on hold I was told to call back in 2-3 days or go into a branch. I told them that was ridiculous. Its obvious that something is not right and they are making no effort to solve it after a more than reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3100.00}

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 2025-05-22 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: NC

Complaint narrative:
I was reviewing my credit report back in XXXX and was horrified to see that this company remained on my report dispute my direct dispute with them. The continued presence of this account violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. I am requesting urgent enforcement action to correct this unlawful reporting. 

They are reporting a third-party collection account to all three major credit bureaus under my name without my consent, contract, or proper validation. Despite previously disputing this item, it has been marked as verified without fulfilling FCRA obligations. I have never signed a contract with this company, and I never authorized any other company to share or assign my account. 

They have not issued IRS Form 1099-C for the alleged debt, which may have been charged off or forgiven. Under 26 U.S. Code 6050P, debt collectors and creditors are required to issue this form when canceling or discharging a debt over {$600.00}.

Failure to issue this form suggests improper classification of the debt and raises legal concerns about the legitimacy of the account. This further supports that the account is unverifiable and must be deleted. 

The reported balance is {$18000.00}, with a date opened of XX/XX/XXXX and last reported on XX/XX/XXXX. The account remains active and derogatory, despite being disputed and unverified. 

Violations Identified : FCRA 609 ( a ) ( 1 ) : No signed contract or validation ever provided FCRA 604 ( b ) : No permissible purpose to report the tradeline FCRA 607 ( b ) : Still reporting inaccurate and incomplete data FCRA 611 ( a ) ( 5 ) : Previously disputed, yet still inaccurate = must be deleted FCRA 605B : Reporting of fraudulent or unauthorized information FDCPA 809 ( b ) : Debt not validated upon request UCC 1-308 : Unauthorized commercial use of my personal data 26 U.S. Code 6050P : Creditors are required to issue this form when discharging or canceling debts over {$600.00}.

Supporting Facts : I submitted a notarized affidavit of truth stating no contract exists Filed an FTC report Screenshot of credit report showing account details and dispute notation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I sent Equifax 5 requests to clear my sons credit report after identity report and they stalled me 5 times. They asked for proof of address 5 times and each time I sent them proof of address, they stalled me and asked for proof of address again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Harmful Reporting of XXXX XXXX XXXX Account ( Acct. No. Ending in XXXX ) To whom it may concern, I am writing to formally file a complaint regarding the account reported by XXXX XXXX XXXXXXXX ( Account ending in XXXX ), as reflected on my credit reports with XXXX XXXX, and TransUnion. 

Summary of Issues : This account is being inaccurately reported and contains multiple inconsistencies, errors, and outdated derogatory information, which violates the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Below are the specific issues : Violations & Inconsistencies : 1. Violation of the FCRA ( 15 U.S.C. 1681s-2 ) Duty to Report Accurate Information The account was closed on XX/XX/XXXX, yet it still reflects a current balance of {$2500.00} on all three bureaus, which is factually inaccurate. 

High balance is listed as {$0.00}, which contradicts the reported balance of {$2500.00} and makes the tradeline unreliable. 

Last Payment Dates do not match XXXX XXXX XXXX XXXX XXXX  : No payment date TransUnion : XX/XX/XXXX Last Activity and Late Payment History ( XXXX, XXXX, COs ) vary between bureaus, reflecting a failure to maintain uniform and accurate reporting standards. 

2. FCRA 611 ( a ) Violation Duty to Investigate Disputed Items Despite my dispute, the bureaus have not corrected the errors, and XXXX XXXX XXXX still report this account as Charge-Off ( CO ) with recent activity months after closure, which is misleading and harmful. 

" Consumer Disputes Reintegration in Progress '' comment appears on XXXX but no resolution or verification has been provided.

3. Violation of TILA ( 15 U.S.C. 1601 et seq. ) Lack of Clear Terms Disclosure I was never provided clear, written disclosure of terms, interest rates, or the contractual obligation of this revolving account. This violates TILA Sections 1026.5 and 1026.6, which require that credit terms be clearly and conspicuously disclosed. 

4. Violation of GLBA ( 15 U.S.C. 68016809 ) Protection of Personal Financial Information This account is inaccurately reported, and I never authorized continued disclosure of an account closed in XXXX. The public sharing of inaccurate and outdated financial data violates the GLBAs requirement to safeguard sensitive consumer information from misuse or unauthorized dissemination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: ID

Complaint narrative:
obtained a payday loan and paid back month of XXXX XXXX this company nca is trying to collect on a debt that was settled. tried to go to original store and it is no longer in business. requesting proof of debt and that NCA has ownership of any debt theyre attempting to collect against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
XXXX XXXX  Date opened XX/XX/year> Dear CFPB Representative, I am writing to formally request your assistance in removing a fraudulent account from my credit report that was opened without my knowledge or consent as a result of identity theft. I recently reviewed my credit report and discovered an account listed under my name that I did not open. I have already filed an identity theft report with the Federal Trade Commission ( FTC ). Please investigate this matter and assist in having the account permanently removed from my credit file. I appreciate your time and attention to this urgent issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: LA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
My federal student loans are currently in forbearance, but one or more credit reporting agencies are incorrectly marking them as delinquent. XXXX placed my loans into deferment beginning XXXX XXXX, 2025, and applied retroactive administrative forbearance to cover any missed payments prior to that date. Despite this, the credit bureaus are reporting missed payments from early 2025, which is inaccurate. 

These delinquencies violate federal reporting guidelines for loans in deferment or forbearance and are seriously damaging my credit score and financial health. I have not missed any payments, as no payments have been due. My credit score has dropped by over XXXX points as a result of this error. 

I request immediate correction of my credit reports to reflect the accurate, current status of my loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
My federal student loans are currently in forbearance, but one or more credit reporting agencies are incorrectly marking them as delinquent. XXXX placed my loans into deferment beginning XXXX XXXX, 2025, and applied retroactive administrative forbearance to cover any missed payments prior to that date. Despite this, the credit bureaus are reporting missed payments from early 2025, which is inaccurate. 

These delinquencies violate federal reporting guidelines for loans in deferment or forbearance and are seriously damaging my credit score and financial health. I have not missed any payments, as no payments have been due. My credit score has dropped by over XXXX points as a result of this error. 

I request immediate correction of my credit reports to reflect the accurate, current status of my loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/2025 I wrote a check for {$270.00} for medications at the XXXX XXXX. The check was " blocked '' by Certegy. No reason/code was provided, only a number for Certegy. I called Certegy, was routed to a call center in the mid-east, taken through all the check and my personal id info to be told I did not meet their " guidelines ''. Called my bank who confirmed I had cash in the account and no inquiries had been made about my XXXX check. Called Certegy back and they insisted on the same information being repeated with the same " doesn't meet guidelines '' answer. I tried every number I could find and no one would tell me what the problem was. Got online and requested the report and it kept going back to a blank form. Certegy has now blocked me from using a check at XXXX and will not confirm the reason and did not check to see if it was covered.

Company response to consumer: Closed with explanation