vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Equifax for their continued and willful reporting of multiple inaccurate, unverifiable, and legally deficient accounts on my credit file. I have submitted certified written disputes and filed multiple complaints through the Consumer Financial Protection Bureau ( CFPB ). Despite these actions, Equifax refuses to remove the disputed accountseven though XXXX, another major bureau, has already permanently deleted one of the same accounts after deeming it unverifiable and failing to meet legal standards for credit reporting. 

The following accounts are currently being disputed with Equifax : * XXXX XXXX XXXX XXXX XXXX XXXX / Account # XXXX * XXXX XXXXXXXX XXXX XXXX Account # XXXX Equifax has consistently engaged in stall tactics by denying receipt of my mailed disputes while simultaneously issuing responses through the CFPB portalconfirming they did receive my communications. This pattern reflects a willful disregard of the Fair Credit Reporting Act ( FCRA ), a refusal to reinvestigate, and a direct violation of consumer rights under Section 623 of the FCRA, constituting both defamation and willful harm to my personal and financial reputation. 

XXXX failure to safeguard my personally identifiable informationclearly outlined in the findings of XXXX re : Equifax , Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Federal Trade Commission Act ( 15 U.S.C. 45 ), and the XXXX XXXX ( 15 U.S.C. 6801 ). XXXX continued reliance on automated processes like E-OSCAR falls short of these legal obligations outlined in 15 U.S.C. 1681i. Equifax must implement reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Simply accepting a data furnishers word is insufficient and unlawful. 

Additionally, the FTCs XXXX opinion letter and Federal Trade Commission Act ( FTC Act ) 15 U.S.C. 45 ( a ) make it clear : once a consumer notifies a credit bureau of disputed information, the agency must verify it through proper documentation and lawful meansor remove it. Equifax has done neither. 
Furthermore, XXXX failure to validate these accounts constitutes a violation of Section 809 ( b ) of the Fair Debt Collection Practices Act, along with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), the Truth in Lending Act ( 15 U.S.C. 1666b ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692j ), the Debt Bondage Repair Act ( 15 U.S.C. 1681c3 ), the Privacy Act of 1974, and the Securities Exchange Act of 1934.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The following inquiries are listed on my credit report. These inquiries were made without my consent, and do not meet the criteria for permissible purpose. As defined under the Fair Credit Reporting Act, specifically 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-15 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: Nelnet, Inc.
State: TX

Complaint narrative:
My student loan servicer let an unauthorized third party access my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
I have asked for 2 years for debt validation and accuracy verification from this collection agency. Ive also been denied credit because of this false debt. This agency is allowing double reporting from the original creditor XXXX XXXX XXXX XXXX and the SOS and HMC COLLECTION companies which make this a triple reporting for the same debt. Double reporting is against FEDERAL LAWS let alone triple reporting!

HMC and SOS GROUP are reporting over XXXX and XXXX XXXX the original creditor is reporting {$3000.00} plus. 
this inaccurate reporting has been going on for over 3 years ruining my credit and keeping my credit score low making me pay high interest rates and not be able to get a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
In XX/XX/XXXX, I identified several accounts listed on my credit report that I did not authorize. I did not initiate or open these accounts, and they appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/year> TransUnion 15 U.S.C , 1681section 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 an 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 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 2025-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX of has violated my rights 15 U.S.C 1681 section 602 A states I have the rights privacy. 15 U.S.C 1681 section 604 section 2 : is also states a consumer reporting a can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Please i just looked at my credit report and i saw 3 fraudulent inquiry 's. 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 non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate, authorize, or recognize. These inquiries were made without my consent and are fraudulent in nature. 

The inquiries in question were made on the following dates : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I have not applied for credit, loans, or services with any of these companies, nor have I provided any written or verbal permission for these inquiries to be made. 

These hard inquiries are negatively affecting my credit profile and were made in violation of 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), which states that a consumers report may not be accessed without a permissible purpose or explicit authorization.

I request that these inquiries be removed from my credit report 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to report identity theft and demand the immediate removal of fraudulent and duplicate accounts from my credit report. The accounts in question are listed under XXXX XXXX with the same account number ( XXXX ) and the same date opened ( XX/XX/year> ). I did not open or authorize these accounts. 

I have already mailed my FTC Identity Theft Report, a formal affidavit, and copies of my government-issued ID to the credit bureau and/or furnisher, but I have not received any response or resolution. This delay is unacceptable and is causing continued harm to my credit. 

These inaccurate and unauthorized entries are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of fraudulent information in a timely manner once proper documentation is submitted. The presence of these accounts also violates my rights under Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information.

I am requesting that the Consumer Financial Protection Bureau intervene to ensure : 1. Immediate deletion of the fraudulent XXXX XXXX accounts. 

2. Written confirmation that my credit file has been corrected.

3. A thorough investigation into the failure to respond or act on my prior identity theft documentation. 

This is an urgent matter, and I am requesting swift action to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am filing this complaint to report identity theft and demand the immediate removal of fraudulent and duplicate accounts from my credit report. The accounts in question are listed under XXXX XXXX with the same account number ( XXXX ) and the same date opened ( XX/XX/year> ). I did not open or authorize these accounts. 

I have already mailed my FTC Identity Theft Report, a formal affidavit, and copies of my government-issued ID to the credit bureau and/or furnisher, but I have not received any response or resolution. This delay is unacceptable and is causing continued harm to my credit. 

These inaccurate and unauthorized entries are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of fraudulent information in a timely manner once proper documentation is submitted. The presence of these accounts also violates my rights under Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information.

I am requesting that the Consumer Financial Protection Bureau intervene to ensure : 1. Immediate deletion of the fraudulent XXXX XXXX accounts. 

2. Written confirmation that my credit file has been corrected.

3. A thorough investigation into the failure to respond or act on my prior identity theft documentation. 

This is an urgent matter, and I am requesting swift action to prevent further damage.

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