vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: 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 XXXXXXXX XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : EXPERIAN XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
Hello I am writing to dispute this account from my credit here is the account, number XXXX XXXX XXXXXXXX I ask them to send me the full contract that i sign of the dept that they report on my credit and they fail to do so. also if you look on the account that they report on my credit everything is wrong and they lie and said that the account was accurate this company violat my rights an add fals report on my credit please remove it immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-17 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: TN

Complaint narrative:
I am filing this complaint because the credit bureaus ( TransUnion, Experian, and Equifax ) are each reporting the same accounts differently. Some show 30-day late payments, while others show the accounts as current or report different balances and dates. These inconsistencies are harmful to my credit and violate the Fair Credit Reporting Act 607 ( b ), which requires all information to be accurate and consistent. 

Additionally, my personal information has been leaked on the dark web, which increases the risk of identity theft and account mix-ups. Ive already submitted disputes requesting that only my verified name ( XXXX XXXX XXXX ), current address ( XXXX XXXX, XXXX, TN XXXX ), and XXXX status be listed. Despite this, accounts with different name variations are still showing, which may contribute to these reporting errors. 

This is not just a matter of correcting mistakes this is a pattern of negligence that causes serious damage to my credit profile.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the credit bureaus ( TransUnion, Experian, and Equifax ) are each reporting the same accounts differently. Some show 30-day late payments, while others show the accounts as current or report different balances and dates. These inconsistencies are harmful to my credit and violate the Fair Credit Reporting Act 607 ( b ), which requires all information to be accurate and consistent. 

Additionally, my personal information has been leaked on the dark web, which increases the risk of identity theft and account mix-ups. Ive already submitted disputes requesting that only my verified name ( XXXX XXXX XXXX ), current address ( XXXX XXXX, XXXX, TN XXXX ), and XXXX status be listed. Despite this, accounts with different name variations are still showing, which may contribute to these reporting errors. 

This is not just a matter of correcting mistakes this is a pattern of negligence that causes serious damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
I am filing a complaint to formally dispute certain information on my credit report. I have reviewed my credit file and Found the following items to be inaccurate and/or unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Current Status : Charged Off Date of Charge-Off : XX/XX/XXXX Basis for Dispute Upon reviewing my credit report, I have identified several inaccuracies and reporting violations based on XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ), including : Late Payments Reported in the Same Month as Charge-Off : The account shows a 30-day late payment for XX/XX/XXXX, the same month the account was marked as charged off. According to XXXX XXXX guidelines, no new delinquencies should be reported after a charge-off is recorded. This misrepresents the account status and payment behavior. 
Delinquency Reported After Charge-Off : Payment history continues to show 120+ day lates after the charge-off date. Per XXXX XXXX standards, once a charge-off is issued, no additional delinquency ratings should be reported. 
Past Due Amount After Charge-Off : The tradeline reports a past due amount of {$120.00} alongside a charged-off balance of {$240.00}, which is misleading and may result in double counting the derogatory impact.

Missing or Incorrect Date of First Delinquency ( DOFD ) : This information is critical per FCRA 605 ( c ) for calculating the 7-year reporting window. If it is not accurately or clearly reported, this may violate federal law.

Requested Resolution I am requesting that the credit bureaus investigate and correct the reporting of this account. Based on the outlined discrepancies, I request the following : Correct or remove any late payments reported after the charge-off date ( XX/XX/XXXX ) Ensure that the payment history stops advancing delinquency status once the account is charged off Clarify or correct the Date of First Delinquency ( DOFD ) Remove any duplicate or misleading past due balance reporting in conjunction with the charge-off If the furnisher ( XXXX XXXX XXXX ) can not verify the accuracy of this reporting in full compliance with XXXX XXXX and FCRA guidelines, I request that this tradeline be deleted in its entirety from my credit report.

Please complete your reinvestigation within the 30-day period required by the FCRA and provide a written confirmation of the results. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully update, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly update the remaining fraudulent items listed below from my credit report : XXXX XXXX  XXXX - XXXX Balance Owed : {$0.00} XXXX - XXXX Balance Owed : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: OH

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
Help me there are many fraudulent accounts and addressess that don't belong to me, I am a victim of identity theft and there are many fraudulent things appearing on my credit report its hurting my credit and I can not apply for a new car at the dealership. I need this to be removed so I can get a car

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 2025-05-17 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: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX/WEB XXXX * * * * Balance : {$0.00} XXXX  XXXX XXXX * * * * Balance {$27.00} XXXX XXXX XX/XX/year> P XXXX XXXX C U XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX/WEB XXXX * * * * Balance : {$0.00} XXXX  XXXX XXXX * * * * Balance {$27.00} XXXX XXXX XX/XX/year> P XXXX XXXX C U XX/XX/year>

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 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted a dispute Transunion on XX/XX/XXXXXXXX XXXX XXXX  my dispute is still not resolved yet and its passed 90 days

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> I am filing a formal complaint against Portfolio Recovery Associates , LLC regarding a collection account for {$880.00} being reported on my credit reports with XXXX XXXX XXXX XXXX 

I live in Florida, where debt collectors are required by law to hold an active license through the Florida Office of Financial Regulation ( OFXXXX ). After searching the NMLS Consumer Access portal, I confirmed that Portfolio Recovery Associates ( NMLS ID # XXXX ) does not hold a license to collect debts in Florida. This means they are illegally attempting to collect and report a debt in my state without authorization. 

Additionally, I believe the debt may be time-barred under Florida law . Florida has a 5-year statute of limitations on consumer debts ( Fla. Stat . 95.11 ( 2 ) ( b ) ). If this debt is beyond that timeframe, they are prohibited from collecting or reporting it as a valid account.

By reporting this debt and attempting to collect without a Florida license, Portfolio Recovery Associates is likely in violation of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e and 1692f The Florida Consumer Collection Practices Act ( FCCPA ) Fla. Stat. 559.72

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
report wrong payment or late payment on credit reports with old out dates address the regulations at 34 CFR Part 99 implementing section 444 of the General Education Provision Act ( GEPA ), which is commonly referred to as the Family Educational Rights and Privacy Act ( FERPA ), and Federal Register Notices of amendments to FERPA. They are presented here for your convenience.

The current regulations can also be found at the Electronic Code of Feder
al Regulations : Title 34, Part 99 -- Family Educational Rights and Privacy.

The current statutes can be found at 20 U.S.C. 1232g - Family educational and privacy rights ) Except as otherwise noted in 99.10, this part applies to an educational agency or institution to which funds have been made available under any program administered by the Secretary, if ( 1 ) The educational institution provides educational services or instruction, or both, to students ; or ( 2 ) The educational agency is authorized to direct and control public elementary or secondary, or postsecondary educational institutions. 

( b ) This part does not apply to an educational agency or institution solely because students attending that agency or institution receive non-monetary benefits under a program referenced in paragraph ( a ) of this section, if no funds under that program are made available to the agency or institution.

( c ) The Secretary considers funds to be made available to an educational agency or institution of funds under one or more of the programs referenced in paragraph ( a ) of this section ( 1 ) Are provided to the agency or institution by grant, cooperative agreement, contract, subgrant, or subcontract ; or ( 2 ) Are provided to students attending the agency or institution and the funds may be paid to the agency or institution by those students for educational purposes, such as under the Pell Grant Program and the Guaranteed Student Loan Program ( titles IV-A-1 and IV-B, respectively, of the Higher Education Act of 1965, as amended ). 

( d ) If an educational agency or institution receives funds under XXXX or more of the programs covered by this section, the regulations in this part apply to the recipient as a whole, including each of its components ( such as a department within a university ).

( Authority : 20 U.S.C. 1232g ) [ 53 FR 11943, XXXX. XXXX, XXXX, as amended at 61 FR 59295, XXXX XXXX, XXXX ; 65 FR 41852, XX/XX/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