vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXP - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 2025-07-23 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
American first Finance sent an email today stating that there is a direct debit authorization in place for {$51.00} starting on XX/XX/XXXX. I have no active loans with American first finance. When I checked the reference number on the letter it was for an old loan thats been paid off and even shows as paid off. I paid it within 90 days. I did not authorize any New direct debits to be taken out of my account. Theres literally nothing to apply payments to. They close at XXXX my time so theyre impossible to reach unless I call during work and they dont answer email. Ive alerted the bank of the fraudulent activity and told them to block this company. I will no longer be using them. Every loan Ive ever had with them has been paid off in 90 days. My last loan was paid off on XX/XX/19. If they are going to try to fraudulently take peoples money, they need to be more available by chat or phone. I will also file a police report if any money is deducted from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX FCRA and XXXX XXXX Violations My name is XXXX XXXX XXXX XXXX XXXX, XXXX ending in XXXX, date of birth XX/XX/XXXX, and I reside at XXXX XXXX XXXX, XXXX, CA XXXX. 

I am filing this complaint because I have found inaccurate and non-compliant information on my credit reports from Experian, Equifax, and TransUnion. Specifically, I am disputing XXXX collection accounts that are being reported by the following companies : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. 

Account Opened : XX/XX/XXXX Balance : {$2300.00} Last Update : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX. 

Account Opened : XX/XX/XXXX Balance : {$3300.00} Last Update : XX/XX/XXXX These accounts have been recently updated with new balance dates and status dates even though there has been no new activity or payments. This is a clear example of re-aging, which is against both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards. Re-aging causes the account to appear newer than it is and unfairly extends the time it stays on my credit report. 

I have disputed these accounts, but the credit bureaus continue to verify them without correcting the inaccurate information. I am concerned they are using the e-OSCAR system, which is an automated method that does not perform a real investigation as required under FCRA 1681i.

Under FCRA 1681s-2, furnishers of information must report data accurately. The current reporting violates that obligation. I am requesting that the CFPB review my complaint and require the credit bureaus and collection agencies to : Remove these accounts from my credit reports or Correct the information to reflect the original delinquency dates and proper status information If this is not resolved, I am prepared to file complaints with the FTC and my State Attorney General, and I reserve the right to pursue legal action if needed. 

Thank you for your time and assistance. 

Sincerely, 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 2025-07-23 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax for its materially inaccurate, misleading, and non-compliant reporting of three revolving tradelines : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as Pays account as agreed, yet reflects a 30-day late payment in XX/XX/XXXX. There is no Metro 2 transition code applied such as Status Code 11 ( current, was delinquent ) which is required when an account is brought current after delinquency. This reporting is contradictory and violates FCRA 1681e ( b ), which mandates maximum possible accuracy. In addition, Equifax provides no dispute history, no visible XXXX Metro 2 code, and no reinvestigation summary as required under FCRA 1681i ( a ) ( 6 ) ( B ). Second, XXXX XXXX XXXX  XXXX is reported twice as two open revolving accounts under the same creditor, both with nearly identical payment terms, balances, limits, high credit amounts, and monthly payments. These tradelines are clearly duplicates one with a {$950.00} balance and {$950.00} limit, the other with {$900.00} and a {$900.00} limit both marked Pays as agreed. This violates FCRA 1681e ( b ) by inflating my revolving utilization ratio and misrepresenting the true number of active obligations. Duplicate tradelines suppress my score and create an inaccurate picture of my credit profile. Furthermore, both accounts show a XXXX late mark in XX/XX/XXXX, yet neither has been updated with the proper Metro 2 Code 11 or dispute resolution fields, failing to reflect that the account is now current and violating XXXX XXXX XXXX standards. Lastly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is also being inaccurately reported. Though listed as Pays account as agreed, Equifax continues to reflect two derogatory 30-day late payments from XXXX and XX/XX/XXXX again with no Code XXXX transition, no updated dispute language, and no documentation of any reinvestigation, in violation of both Metro 2 and FCRA 1681e ( b ) and 1681i ( a ) ( 6 ) ( B ). Across all three accounts, Equifax has suppressed legally required dispute codes, failed to report accounts with accurate payment status transitions, and introduced duplicate and misleading data structures. I demand the immediate deletion of XXXX of the XXXX XXXX XXXX  accounts, full reinvestigation and correction of both XXXXXXXX XXXX XXXX XXXX tradelines, and the removal of all unverified or improperly retained derogatory data. These violations are willful, systemic, and harmful, and failure to comply will result in formal legal action under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-07-23 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: PR

Complaint narrative:
PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : -DEPT OF ED / XXXX Account number : XXXXXXXX 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 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.
2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

TRANSWORLD SYSTEMS INC.XXXXOriginal Creditor : XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am requesting the removal of inaccurate late payment notations reported on the following accounts due to the creditor 's failure to provide proper notice before reporting them : XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These late payments were reported without providing me notice of the due dates or any delinquency warnings, which deprived me of the opportunity to correct the matter in a timely way. This failure constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Duty to report information accurately and fairly 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate, complete, and timely information 1681i ( a ) Right to dispute and demand deletion of unverifiable or inaccurate data Requested Resolution : Immediately remove the late payment marks from both listed accounts Initiate a reinvestigation and contact the furnishers for proper documentation If furnishers can not verify that they gave me prior notice before reporting the late payment, the derogatory entry should be permanently deleted Provide me with written confirmation of the results of the investigation and send an updated credit report This is a legal and fair resolution given the reporting inaccuracies and procedural failures. If the matter is not resolved as required by law, I reserve the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: TX

Complaint narrative:
This account originated as a XXXX XXXX Credit Card issued by XXXX XXXX  and used strictly for business purposes. At a later point, it was unilaterally converted into a term loan without my knowledge, consent, or signed agreement. No documentation was provided at the time of this conversion, and I have never received or executed any revised contract reflecting these new terms. 

After this change, the account began reporting on my personal credit report and continues to report to both personal and business credit bureausdespite the absence of any verifiable personal guarantee or formal acknowledgment of liability. 
I submitted multiple written email requests to Servicing Solutions requesting : A copy of the original signed agreement Documentation verifying any personal liability Monthly account statements Information about available hardship programs I have received no response to date. The continued reporting of this account, particularly on my personal credit file, without any supporting documentation or signed consent, is highly concerning. The unilateral change in account structure and classificationabsent formal agreementraises serious compliance concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This complaint is based on the lack of verifiable documentation supporting the current reporting and the material changes applied to this account without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 having trouble obtaining credit due to XXXX  account # XXXX Reporting inaccurate information on account The XXXX account was closed on XX/XX/XXXX, and marked as a charge-off/in collections. 
The balance is still listed as {$160.00} and the reporting continues into XXXX, even though the last payment was on XX/XX/XXXX. 
The remarks state Profit and Loss Write-Off, and there is no third-party debt collector or debt buyer listed.

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 2025-07-23 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: MN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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