vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$78.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1600.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-29 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-29 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  XXXX - Date Opened 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 2025-05-29 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 inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This is a formal rebuttal to American Expresss reply regarding accounts ending in XXXX. Their response fails to meet the legal standards of investigation and verification as required under the Fair Credit Reporting Act ( FCRA ) and misinterprets their duties under the Equal Credit Opportunity Act ( ECOA ).

Failure to Provide Proper Verification : American Express asserts it validated the account by sending billing statements and a Cardmember Agreement ( CMA ). However, this is not a legal validation under FCRA 15 U.S.C. 1681s-2. The law requires a full investigation and factual verification, including a copy of the original contract bearing my wet signature ( if it exists ), proof of delivery or usage, and documented chain of custody confirming my liability.

Their claim that no signature is required for online applications does not satisfy the burden of verification when fraud or consumer dispute is asserted.

Reporting of a Canceled Account as Charge-Off : The account ending in XXXX was reportedly canceled on XX/XX/year>, yet American Express continues to report it as an unpaid charged-off account. This is misleading and punitive, as it creates a derogatory status on my report that contradicts their own documentation of cancellation.

Violation of FCRA 1681i ( a ) : Reinvestigation Duties : American Expresss response demonstrates a failure to conduct a lawful reinvestigation in response to my disputes filed via the CFPB and bureaus. Merely confirming the account exists and restating past correspondence does not constitute a reinvestigation under law. No new documentation or substantive analysis was provided.

Request for Immediate Deletion : Given the lack of proper verification, misclassification of liability, and failure to meet federal reinvestigation standards, I am requesting the immediate deletion of the following : American Express account ending in XXXX ( reported as charge-off )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

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 List of Unauthorized Inquiries : XXXX XXXX XXXX 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 2025-05-29 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: TX

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 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 2025-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc.
State: CO

Complaint narrative:
On XX/XX/year> I called to sign my loans up for full repayment in order to apply for forbearance due to economic hardship. The person I spoke to on the phone told me to cancel my automatic payment so they could send me a new invoice. I did and spent the entire month in correspondence with Lendkey to update my invoice. I asked multiple times for written documentation stating that they are unable to update an invoice once it is created. none was ever given. I tried the same process in XXXX after they denied my request in XXXX. They confirmed they switched over my payments to principal and interest so I could start the forbearing process. However, they did not do so and due to their policy, which they refused to share about correcting invoices, I had to wait for XXXX. In XXXX, they only placed XXXX of my XXXX loans into principle and interest payments and told me that XXXX XXXX  would accept the previous months interest payments as the acceptable payment required to apply for forbearance, but I was denied this morning. Throughout this entire process I have requested emails for policy documentation, call backs from supervisors, and have not received any call backs or the promised emails which I was told I would receive I only received XXXX emails, neither in a reasonably timely manner which I have attached below as well as the email from XXXX XXXX denying my recent forbearance application which I have attached below. I have audio recordings documenting this process as well but they are larger than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Subject : Request for Debt Validation Dear Medicredit, I am writing in response to a communication received on XX/XX/2025 regarding an alleged medical debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally request validation of this debt before I consider any further action. 
Please provide the following documentation : The amount of the alleged debt. 


The name of the original creditor ( i.e., the medical provider ). 


Documentation bearing my signature indicating my agreement to assume this debt. 


A detailed payment history, including all charges, payments, and adjustments applied to the balance. 


Proof that you are licensed and legally authorized to collect debts in my state. 


Confirmation of whether any insurance claims were submitted and applied to this debt. If so, include an explanation of how insurance payments, adjustments, or denials were handled. 


A complete chain of title documenting all assignments or transfers of this debt from the original creditor to your agency. 


Until this information is provided, I request that you cease all collection activities, including phone calls and written notices. I also request that all future communication be conducted in writing only. 
This letter is not an acknowledgment or acceptance of the alleged debt, and I do not waive any of my rights under federal or state law. 
Sincerely, my name ( cfpb you said not to put personal information so i deleted my address too )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The account balance is incorrect. This card is paid in full & has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-29 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: VA

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 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servicing Solutions, LLC
State: NY

Complaint narrative:
Ever since XXXX XXXX XXXX unexpectedly closed all business accounts and sold/transferred the debt to " XXXX '', I've been having the hardest time trying to legally close my debt? If I should call it thay, and the amount never seems to lower. I feel I've been paying this " debt '' or closed account? For 2 years and not one dent has been made. 

Then " XXXX '', transferred this closed account to " SERVICING SOLUTIONS ''. The nightmare just got worse. 

I've been making all my payments on time, even had auto pay, but just recently, like 2 to 4 months prior. I got a call that my account was behind. I said no way, I have auto pay enabled. I'm sure they did this tactic to incur a late fee, which I disputed.

This is when everything spiral down the stress path for me. I started having shady feeling about " SERVICING SOLUTIONS '' after this. They allocated the late fee back to the debt and got a delinquent marking on my personal credit report. This kept happening, eventhough I am now the one calling the company to make sure they take the " Auto Pay '' payment. At some point. One of their debt collection representative. Told me he'd call me back afte
r noticing something in my account, " OH I sure hope they keep the recordings from our calls ''. NEVER did I rec

eive that call, but, sure enough. I Received another delinquent account status on my personal credit report. All these negative markings have been happening after me attempting to fix their issue into why they're not taking my Auto Pay payments. It feels as if they're doing this on purpose to stack late fees then ruin my personal credit score, which have probably gone down more than 20 to 30 points. At this point, I want them to send me written statements so that I can have this as proof. Their unprofessional tactics have me stressed out. I'm willing to go to any lengths just to get rid of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 submitted disputes to these agencies regarding inaccurate and/or unverifiable accounts on my credit reports, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Rather than conducting a reasonable reinvestigation as required by law, each bureau responded with what is commonly referred to as a stall letter. 

These stall letters : Failed to acknowledge or investigate the specific inaccuracies I identified, Demanded additional information that was irrelevant or unnecessary to process the dispute, Provided generic language stating that they were unable to process my dispute without just cause. 

These actions appear to violate their obligations under the FCRA, which requires a credit reporting agency to Conduct a reasonable reinvestigation of any disputed information ( 1681i ( a ) ( 1 ) ( A ) ), Notify the furnisher of the disputed information and provide relevant documentation ( 1681i ( a ) ( 2 ) ), Delete or modify any information that can not be verified within 30 days ( 1681i ( a ) ( 5 ) ).

Instead of fulfilling these duties, the agencies have seemingly stalled my legitimate dispute efforts and allowed inaccurate or unverified information to remain on my credit reportcausing harm to my creditworthiness. 

I respectfully request the CFPB to investigate this matter and hold Experian, TransUnion, and Equifax accountable for any FCRA violations. Enclosed/Attached are copies of my dispute letters, responses received from the agencies, and relevant documentation supporting my claims.

Company response to consumer: Closed with non-monetary relief