vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: AZ

Complaint narrative:
There have been multiple requests to Experian and Transunion. The opens an investigation and came back with nothing to validate against.

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 2025-07-06 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-06 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: FL

Complaint narrative:
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 30 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 2025-07-06 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I HAVE A XXXX  AND MAXIMUS AKA AIDVANTAGE IS HARRASSING ME AND TRYING TO STRONG ARM ME FOR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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: CT

Complaint narrative:
These accounts and inquires were found on my credit report. Ive included account names dates they were opened and the amount from the report. XXXX Bank XXXX XXXX {$1000.00} XXXX financial XXXX 2025 {$6500.00} XXXX XXXX XX/XX/year> {$2500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX consumer XXXX XXXX XXXX XXXX svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card 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 2025-07-06 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: CT

Complaint narrative:
These accounts and inquires were found on my credit report. Ive included account names dates they were opened and the amount from the report. XXXX Bank XXXX XXXX {$1000.00} XXXX financial XXXX 2025 {$6500.00} XXXX XXXX XX/XX/year> {$2500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX consumer XXXX XXXX XXXX XXXX svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Transunion credit report. These inquiries were not initiated by me, are not connected to any open or authorized accounts, and were made without my explicit written consent in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S. Code XXXX ( Section XXXX ). 
The following hard inquiries are fraudulent and must be deleted immediately XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NV

Complaint narrative:
XXXX XXXX XXXX. 
This collection agency has not signed a contract with me nor have I given my consent to any company for the distribution of my personal information and they are violating the law and privacy of my personal information therefore I want it removed from my credit report. This collection agency does not have my authorization to be disclosing personal information and I do not have any debt to anyone of that amount of money, therefore this debt is a fraud because I do not recognize it. Therefore check all legal elements and sign mia and take into account all documents and errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO XXXX XXXX  and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at Original creditor : on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: AL

Complaint narrative:
Dear XXXX XXXX, I am writing in response to a notice I received from your company regarding an alleged debt. I have no knowledge of this debt and do not acknowledge owing any such amount.I have not entered any contract or agreement with you or your company Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt. Please provide the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. A complete payment history on the account, including how the amount was calculated ; 5. Proof that you are authorized to collect debts in [ your state ] ; 6. Proof that you own or have been assigned the debt ; 7. The date of the last payment or activity on the account. 
Until this debt is fully validated, you are required to cease all collection activities, including reporting this account to credit reporting agencies, under the FDCPA. 
Be advised that any attempt to collect this debt without proper validation may be a violation of federal law. I also request that all future communications regarding this matter be in writing.

Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
My student loan through edfinacial reported a late payment of 120 days to my credit report dropping my score XXXX points. I applied for deferments for economic hardship due to having my daughter and going on nys family leave which is only XXXX percent of my normal pay. I do believe this should be considered as economic hardship and be deferred. I also belive the way covid effected student loans is unprecedented and that as they changed things to accounts without our knowledge or consent how can we be reliable for a payment I had no idea was owed as did thousands of others. That isnt fair credit reporting to me and you would think a miscommunication due to a pandemic would be forgiven easier. My payments have been on time sense I was made aware of the change.

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 2025-07-06 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: NY

Complaint narrative:
My student loan through edfinacial reported a late payment of 120 days to my credit report dropping my score XXXX points. I applied for deferments for economic hardship due to having my daughter and going on nys family leave which is only XXXX percent of my normal pay. I do believe this should be considered as economic hardship and be deferred. I also belive the way covid effected student loans is unprecedented and that as they changed things to accounts without our knowledge or consent how can we be reliable for a payment I had no idea was owed as did thousands of others. That isnt fair credit reporting to me and you would think a miscommunication due to a pandemic would be forgiven easier. My payments have been on time sense I was made aware of the change.

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 2025-07-06 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: NY

Complaint narrative:
My student loan through edfinacial reported a late payment of 120 days to my credit report dropping my score XXXX points. I applied for deferments for economic hardship due to having my daughter and going on nys family leave which is only XXXX percent of my normal pay. I do believe this should be considered as economic hardship and be deferred. I also belive the way covid effected student loans is unprecedented and that as they changed things to accounts without our knowledge or consent how can we be reliable for a payment I had no idea was owed as did thousands of others. That isnt fair credit reporting to me and you would think a miscommunication due to a pandemic would be forgiven easier. My payments have been on time sense I was made aware of the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
This information is inaccurate and incomplete. I am requesting that this entry be investigated, and unless the furnisher can provide verifiable documentation of the debtincluding original signed contracts and full payment historythis item must be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I received my credit report from XXXX. In response to a compliant that I made through the cfpb in XXXX. 
XXXX  did not do a thorough investigation. Therefore I am attaching my credit report that they sent me with highlighted violations that the fair credit reporting act verifies as inaccurate, misleading, and antedated.The furnisher states that this account is closed but the furnisher was reporting these violations before and after the payoff. THESE IS SHOWING AS A NEGITIVE ACCOUNT ON THE CREDIT REPORT. Attached is the most recent credit report and other required documents as PROOF OF VIOLATIONS. 
Identified Issues : Violations Duplicate Late Payment Reporting : In XX/XX/XXXX, the report appears to list multiple late payment entries within the same month ( marked as XXXX, etc. ). An account can not report late twice in 30 days! 


The FCRA does not allow a creditor to report multiple delinquencies for the same billing cycle this is misleading and violates FCRA 1681e ( b ), which requires maximum possible accuracy.

Late Payment History Older Than 7 Years : XX/XX/XXXX late payments are still showing. 


Under FCRA 1681c ( a ) ( 5 ), late payments may not be reported longer than 7 years from the date of delinquency. These are now obsolete and must be deleted.

Paid and Closed Account with XXXX Balance : Since the account was paid in full and closed, and no balance remains, continued reporting of multiple derogatory remarks without accurate clarification can be interpreted as misleading, especially if not updated properly during reinvestigation. 

1681e ( b ) Accuracy requirement 1681i Dispute and reinvestigation rights 1681c ( a ) ( 5 ) 7-year reporting limit on derogatory data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX 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 2025-07-06 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation