vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
XXXX, Experian, and XXXX has bankruptcies on my credit report. Per the bankruptcy court they do not report to agencies nor bureaus. I have requested that this be removed from my credit report. As of todayXXXX XXXX XXXX XXXX XXXX XXXX ( prior to going offline ) are locked. 

I have completed disputes with the statement below and this has not been resolved. : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, you are required to only report 100 % accurate and verifiable information. Since the courts have confirmed they do not report bankruptcies, I demand the immediate removal of this inaccurate information from my credit report. 
Additionally, I have placed a security freeze on now closed XXXX, XXXX, XXXX and XXXX, which are third-party agencies that may have provided unverified data. If your source of verification can not be confirmed by an official court document directly from the bankruptcy court itself, this item must be deleted. If this is not resolved in 30 days, I will be filing a complaint with CFPB.

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 2025-04-04 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : SXX/XX/XXXX- Balance : {$910.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-04 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had 01 late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MA

Complaint narrative:
In XX/XX/XXXX, I became aware that multiple accounts had been opened in my name without my consent. 
The accounts in question are : XXXX XXXX Account opened on XX/XX/XXXX XXXX XXXX Account opened on XX/XX/XXXX First XXXX Bank Account opened on XX/XX/XXXX XXXX XXXX Account opened on XX/XX/XXXX XXXX Bank Account opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loans were shared by the department of education in the Dodge data breach. FCRA 611 ( a ) ( 1 ) ( a )

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

Complaint narrative:
I have an agency by the name of XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX credit on my credit I filed a dispute in XXXX to ensure verification and accuracys. They are violating 1681s-2 ( b ) ( 1 ) ( c ) by stating dispute is resolved is misleading and is also a violation 15 U.S.C 1681s- ( 2 ) ( 1 ) ( a ). 15 U.S.C 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages. XXXX XXXX date of last activity is inaccurate. XXXX XXXX XXXX XXXX XXXX is in violation of 1681s-2 ( 5 ) ( A ) & 1681c Date of last activity they are attempted to re-age debts see XXXX v . Experian info.Solutions, Inc., XXXX XXXX  XXXX ( XXXX. XXXX. XXXX ) ( XXXX XXXX allegedly purchased old debts and changed the date of last activity [ to gain ] leverage to collect obsolete debts ). The FTC has taken action against debt collectors for re-aging debts. See United States XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXXXXXX ). They are violating 1681s-2 ( A ) ( 1 ) ( A ) defining accuracy as information that the furnished knows or has reasonable cause to believe is inaccurate. I am attaching proof or violations and inaccurate information. 

XXXX  XXXX account number # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

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

Complaint narrative:
I have an agency by the name of XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX credit on my credit I filed a dispute in XXXX to ensure verification and accuracys. They are violating 1681s-2 ( b ) ( 1 ) ( c ) by stating dispute is resolved is misleading and is also a violation 15 U.S.C 1681s- ( 2 ) ( 1 ) ( a ). 15 U.S.C 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages. XXXX XXXX date of last activity is inaccurate. XXXX XXXX XXXX XXXX XXXX is in violation of 1681s-2 ( 5 ) ( A ) & 1681c Date of last activity they are attempted to re-age debts see XXXX v . Experian info.Solutions, Inc., XXXX XXXX  XXXX ( XXXX. XXXX. XXXX ) ( XXXX XXXX allegedly purchased old debts and changed the date of last activity [ to gain ] leverage to collect obsolete debts ). The FTC has taken action against debt collectors for re-aging debts. See United States XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXXXXXX ). They are violating 1681s-2 ( A ) ( 1 ) ( A ) defining accuracy as information that the furnished knows or has reasonable cause to believe is inaccurate. I am attaching proof or violations and inaccurate information. 

XXXX  XXXX account number # 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 2025-04-04 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: TN

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
My loans are showing 0 % interest. I make payments to the loans and the balance drops by the equivalent of the payment applied. I recently paid XXXX loans to a balance of XXXX. The site showed {$0.00} for about 3 days then suddenly the balances of those three loans changed to random amounts one was approximately {$350.00}, the other {$28.00}, another {$35.00}. No explanation why. If my loans have XXXX interest then where did this surprise balance come from.

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

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for inaccurately reporting a deficiency balance to the credit bureaus following the repossession of my vehicle, as well as against TransUnion for failing to correct this inaccuracy despite my past dispute. 

XXXX XXXX has reported a balance of {$8900.00} to the credit bureaus. However, in the official repossession package that XXXX XXXX sent to me, the documented deficiency balance is {$8700.00}. This discrepancy of over {$200.00} is inaccurate and materially affects my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are legally required to report only accurate and complete information. XXXX XXXX has failed to do so multiple times. Additionally, I formally disputed this error with TransUnion, but they responded with a verification stating the balance was accuratedespite clear documentation proving otherwise. This constitutes a violation of my rights under the FCRA, as TransUnion failed to conduct a proper investigation. 

I request that the Consumer Financial Protection Bureau investigate this matter and require XXXX XXXX remove the inaccurate balance from my credit report. I also request an investigation into TransUnions failure to properly verify and correct the disputed information.

Attached are supporting documents, including the repossession notice showing the accurate deficiency balance and TransUnions response to my dispute.

I appreciate your prompt 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 non-monetary relief
Consumer complaint received 2025-04-04 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-04 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report with late payments showing, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-04-04 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: PA

Complaint narrative:
I have reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Ive had this debt stuck on my credit for years even though its WRONG. Never received any letter about any money own or wasnt even informed through email or anything. I dont own anything. We left the apartment spotless and theyre trying to simply steal money when their place was XXXX XXXX XXXX XXXX  from the get go

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

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 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Original creditor name : XXXX XXXX XXXX XXXX. 

Collection agency : XXXXXXXX XXXX XXXX  for the amount of {$1000.00} I do not know what this debt is. Im assuming its a medical bill, stating it was opened XX/XX/XXXX. I have not visited a doctor on XX/XX/XXXX. I also have XXXX. Which I will send proof of my XXXX. 
Also it says online As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has ruled that consumer reporting agencies are prohibited from including medical debt on consumer credit reports, meaning " XXXX XXXX XXXX XXXX '' ( or any similar medical debt ) should no longer appear. So Im not sure why this is being reported? Regardless I have XXXX, so all payments are paid through 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 2025-04-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief