vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries 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 2025-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Southwest Stage Funding
State: TX

Complaint narrative:
Cascade financial claims I have been late paying my mortgage payment for XXXX consecutive months. I have informed the company that these claims do not match my bank records, and I have requested numerous times for proof that the payments were actually late. Per Cascade rules, the payments are not late until the XXXX. of the month. Cascade claims I owe {$1300.00} in late fees. I state that I do not. 
Date of latest notice is. XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I remain deeply concerned that my credit report still contains inaccurate and incomplete information. Despite multiple efforts to correct this, the issues persist and continue to unfairly affect my credit.

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 2025-04-18 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: NY

Complaint narrative:
I noticed after reviewing my profile there were some inquiries that are not mine.

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 2025-04-18 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-18 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-18 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: IL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I am filing a complaint against Lloyd & McDaniel , PLC and XXXX XXXX, XXXX. for unfair and deceptive debt collection practices in connection to a personal credit card debt. 

Details of the Complaint : On XX/XX/year>, I submitted a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting validation of an alleged personal credit card debt being pursued by Lloyd & McDaniel on behalf of XXXX XXXX, XXXX. 

On XX/XX/year>, I received a response that failed to meet the legal requirements for debt validation. It did not include : A copy of any signed agreement showing I am liable for the debt ; A full accounting or itemized history of the balance claimed ; Proof of legal authority or assignment to collect the debt in Florida. 

Despite this failure, the collector initiated a legal action against me in the XXXX XXXX XXXX, XXXX XXXX, Florida ( Case No. XXXX ). I also was not formally notified of the change in legal representation to a Florida-based attorney, which I believe violates procedural fairness and my right to due process. 

Additionally, this debt appears to have been reported to the credit bureaus without verification, in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Relief Requested : Investigate Lloyd & McDaniel , PLC for potential FDCPA and FCRA violations. 

Prevent further legal action until proper documentation is provided. 

Require full validation of debt or dismissal of the legal action if validation fails. 

I am happy to provide supporting documents ( letters, billing statements, court notices, etc. ) upon request. 

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I was looking at my credit report and i saw 10 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$83.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$50.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX  Balance {$970.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$460.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$210.00} Open Date XX/XX/XXXXXXXX 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 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems with the Department of Education, including financial aid dataset that contains personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year>XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MA

Complaint narrative:
Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : Failure to properly investigate my disputes ( 15 USC 1681i ), Illegal reinsertion of previously deleted collections without notice ( 15 USC 1681i ( a ) ( 5 ) ( B ) ), Failure to provide investigation results ( 15 USC 1681i ( a ) ( 6 ) ), Failure to ensure maximum possible accuracy ( 15 USC 1681e ( b ) ).

Specifically, Equifax failed to investigate and provide dispute results for accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX . These accounts were previously deleted but were illegally reinserted without required certification and without providing me notice.

I request the CFPB to require Equifax to : Immediately and permanently delete these accounts, Provide full investigation results and verification documentation, Ensure compliance with the FCRA moving forward.

I reserve my rights under 15 USC 1681n and 1681o for damages due to their willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

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.

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 non-monetary relief
Consumer complaint received 2025-04-18 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: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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 2025-04-18 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: CA

Complaint narrative:
Equifax has failed to properly investigate account and continues to update the account inaccurately. They have Failed to properly add the account is in dispute for months. 
Equifax contuses to report a balance when the account was deemed profit loss to the IRS. per1681n. Civil liability for willful noncompliance 1681o. Civil liability for negligent noncompliance they have failed to negligently look into this issue and its causing me the purchase of my a home for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a rental debt that is being inaccurately reported on my credit. The collection agency responded to my dispute by submitting an outdated lease agreement from XXXX, which is unrelated to the debt in question. This lease covered a different one-year rental period and does not correlate with the timeframe or amount of the alleged debt currently being reported. 
I have lived and moved on elsewhere. 

At the time of the open debt, I had no active lease agreement, written contract, or signed documentation accepting or agreeing to the charges they are attempting to collect. Despite this, they continue to use the outdated XXXX  lease to falsely validate this claim, which is misleading, inaccurate, and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Violations : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to conduct a proper reinvestigation and provide a reasonable method of verification.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure the maximum possible accuracy of the information being reported.

FDCPA Section 807 ( 15 U.S.C. 1692e ) : Use of false, deceptive, or misleading representations to collect a debt.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : Failure to validate the debt and provide sufficient verification upon request. 

I disputed this debt with both the furnisher and the credit bureaus, but the item remains on my report without any explanation of what steps were taken during the investigation. No valid or signed agreement was ever provided that links me to this debt, and I have not received any legitimate proof of the charges or authorization to report this debt to credit bureaus. 
Additionally, I have not granted permission for this company to report on my credit file or communicate with me about this matter. Their continued reporting and collection activity without valid documentation or consent is unlawful. 
Concern Regarding Personal Information : I also have concerns that my personal information ( including name, address, Social Security number, and other identifying data ) may have been : Shared or sold to third parties without my knowledge or consent, Or used inappropriately to assign or fabricate debt.

If true, this would be a violation of : FCRA Section 604 ( 15 U.S.C. 1681b ) Permissible purposes for accessing or using a consumer report.

GLBA ( 15 U.S.C. 68016809 ) Protection of nonpublic personal information. 
State privacy and consumer protection laws, depending on jurisdiction. 


I have attached supporting documentation, including the unrelated lease they submitted and a record of my prior dispute communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$970.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$460.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/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