vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: DC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer 
can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years. 
15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-07-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
EDFINANCIAL SERVICES MARKED ME LATE ON MY CREDIT REPORT STARTING AT XXXX XXXX LATE THIS IS FRAUD. I HAVE TRIED GETTING ASSISTANT FROM EDFINANCIAL SERVIES BUT XXXX IS ANSWERING THE TELEPHONE CALLS OR REPLYING TO MY EMAILS. HOW CAN THEY START ME OFF LATE XXXX, XXXX, XXXX, AND XXXX READING XXXX XXXX WITH NO NOTIFICATION VIA EMAIL OR REGULAR POSTAL MAIL, I HAVE WORKED AND RESIDED AT THE SAME HOUSE FOR 30 YEARS ME AND MY FAMILY AND MY XXXX GRADUATED IN XXXX OF 2025, STUDENT LOANS ARE NOT EVEN DUE. THIS IS FRAUD PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: AL

Complaint narrative:
{$99.00} from XX/XX/year>. 

I am writing to formally seek your assistance regarding an alleged debt that is being pursued by a collection agency. The debt in question is from 2012, and I believe the collection efforts to be unlawful for several reasons. 

To begin with, I have not received any valid debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, I have recently received correspondence attempting to collect on this debt. I find this troubling and do not know any outstanding balance because this account was closed immediately. 

Moreover, I am concerned that the debt is being pursued beyond the statute of limitations for debt collection, which I understand has long since passed. Given the age of this alleged debt, the collection attempts seem to violate my consumer rights, including failure to provide the proper documentation or legal basis for pursuing this claim. 

I chose not to contact the collection agency directly regarding this matter, given the substantial number of years that have passed and my concern that I would not receive proper assistance from them. I also have doubts that they would provide the necessary documentation or validation to address my concerns. For these reasons, I felt it was necessary to escalate the matter and seek your help in resolving this issue. 

I have attached a copy of the email of the correspondence I have received from the collection agency for your review. Specifically, I am seeking your guidance and intervention to : Verify whether the collection agency is legally entitled to pursue this debt. 

Ensure that the collection agency complies with the necessary regulations regarding debt validation. 

Address the issue of this debt being pursued beyond the statutory limit for debt collection. 

Your assistance in resolving this matter would be greatly appreciated. I look forward to your support and guidance in addressing this issue. 

Thank you for your attention to this matter.

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 2025-07-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given an amex e-gift card on XX/XX/XXXX and have tried to use it but it does not work anywhere. There is no way to use the card and I called the company on XX/XX/XXXX and they wouldn't help me, that the card is active and if there is a problem it isn't with them but the websites I am buying from. It is fraud to do this and they are withholding my legal tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: RI

Complaint narrative:
these accounts were involved in XXXX XXXX BANK XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX VILLAGE, XXXX None provided XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX FIRST XXXX BANK Account # XXXX Opened XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2800.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX, XXXX ( XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2800.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$4400.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX IN. 
Account # XXXX Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NY

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 2025-07-21 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: TX

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

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, submit the following summary regarding Experians failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically related to identity theft reporting and reinvestigation procedures. 

I properly submitted an identity theft report to Experian, which included : A signed and sworn Identity Theft Affidavit, A copy of my government-issued identification, Proof of address, A detailed written request identifying fraudulent tradelines to be blocked pursuant to 15 U.S.C. 1681c-2. 

Under this section of the FCRA, Experian is required to block any information resulting from identity theft within XXXX business days of receiving the proper documentation. Instead of doing so, Experian unlawfully contacted the original creditor, conducted an unauthorized reinvestigation, and subsequently marked the disputed tradelines as verified directly violating my rights as a consumer and the mandatory FCRA provisions. 

This action was not only improper but explicitly prohibited once a valid identity theft report has been submitted. XXXX failure to comply with its legal obligations has resulted in : Continued reporting of fraudulent tradelines. 

Damage to my creditworthiness and denial of credit opportunities, Ongoing emotional and psychological distress, Delays in resolving my financial and legal matters stemming from the fraudulent activity. 

XXXX misconduct is a clear violation of the FCRA, causing harm to me both financially and emotionally. I now reserve my rights to pursue legal remedies, regulatory complaints, and statutory damages under 15 U.S.C. 1681n and 1681o, as applicable.

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 2025-07-21 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: MO

Complaint narrative:
I HAVE SENT MY PAPERWORK TO THE BEUROS AND THEY DID NOT CARE ABOUT IT NOR ME NOR MY DOCUMENTATION. PLEASE HELP ME GET THIS RESOLVED BECAUSE BEROS THEMSELVES CANT DO ANYTHING AND I AM STARTING TO WORRY ABOUT MY NAME AND IDENTITY BECASE I DONT ANT THIS KIND OF SITUATIO TO HAPPEN AND NOT GET SOLVED PROPERLY BUT THATS HOW THEY MADE ME FEEL.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had set up autopay on XXXX Bank of America XXXX XXXX. I was advised that XXXX of the cards did not have auto pay set up. I found this to be untrue since I set up both cards for autopay on the same date. 
Because of this issue Bank of America reported to the credit bureaus that my account was past due 30 days. I challenge this because my credit reports have no derogatory statements until this Bank of America XXXX. 
In speaking with them on XX/XX/year> they simply indicated that only XXXX card had autopay set up and not the other card. This is false since they were both set up on the same date. 
I was also charged late fees and interest in total of {$74.00}.

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 monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security XXXX XXXX verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

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 explanation
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief