vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-16 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for inaccurate, inconsistent, and incomplete reporting on my credit files, along with their failure to respond to my repeated disputes. As an XXXX XXXXXXXX XXXX XXXX, this situation is further aggravated by the lack of adherence to protections afforded to me under both the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Specific Issues : Closed accounts are inaccurately listed as open. 
Late payments are reported on accounts that have never been late. 
Inaccurate personal information, including outdated addresses and phone numbers. 
Charge-offs were reported without notice or opportunity to address them. 
Inconsistent reporting across the XXXX bureaus for the same accounts. 
No response to XXXX dispute letters sent to each bureau, totaling nine letters, over several months.

Violated Provisions of the FCRA ( 15 U.S.C. 1681 et seq ) : 1681i Failure to reinvestigate disputed information within the required 30-day timeframe.

1681e ( b ) Failure to maintain maximum possible accuracy of information.

1681c Reporting of outdated or obsolete information.

1681g Failure to provide full consumer disclosures upon request.

1681h Failure to use proper procedures for verification and authentication.

1681s-2 ( a ) Furnishers providing inaccurate information to CRAs.

1681s-2 ( b ) Failure of furnishers to investigate disputed information upon notice.

1681b Inaccurate information being accessed by unauthorized parties or for improper purposes.

1681m Failure to provide notice of adverse action ( e.g., charge-offs ).

1681x Willful noncompliance with FCRA provisions.

Additionally, this situation violates the Servicemembers Civil Relief Act ( SCRA ), which provides enhanced consumer protections for XXXX XXXX XXXX personnel. 

Requested Actions : 1. Immediate investigation and removal or correction of all inaccurate information across all three bureaus.

2. Removal of late payments and charge-offs that were never validly reported or communicated.

3. Update of personal identifying information to reflect current, accurate contact details.

4. Written explanation and confirmation of actions taken to comply with my rights.

5. Review and ensure compliance with FCRA and SCRA protections, particularly for XXXX XXXX XXXX. 

This situation is already impacting my financial opportunities and causing personal stress. I expect the CFPB to hold these companies accountable for their failure to uphold federal consumer protection laws. 

I can provide supporting documentation upon request

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 2025-05-16 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: AE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for inaccurate, inconsistent, and incomplete reporting on my credit files, along with their failure to respond to my repeated disputes. As an XXXX XXXXXXXX XXXX XXXX, this situation is further aggravated by the lack of adherence to protections afforded to me under both the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Specific Issues : Closed accounts are inaccurately listed as open. 
Late payments are reported on accounts that have never been late. 
Inaccurate personal information, including outdated addresses and phone numbers. 
Charge-offs were reported without notice or opportunity to address them. 
Inconsistent reporting across the XXXX bureaus for the same accounts. 
No response to XXXX dispute letters sent to each bureau, totaling nine letters, over several months.

Violated Provisions of the FCRA ( 15 U.S.C. 1681 et seq ) : 1681i Failure to reinvestigate disputed information within the required 30-day timeframe.

1681e ( b ) Failure to maintain maximum possible accuracy of information.

1681c Reporting of outdated or obsolete information.

1681g Failure to provide full consumer disclosures upon request.

1681h Failure to use proper procedures for verification and authentication.

1681s-2 ( a ) Furnishers providing inaccurate information to CRAs.

1681s-2 ( b ) Failure of furnishers to investigate disputed information upon notice.

1681b Inaccurate information being accessed by unauthorized parties or for improper purposes.

1681m Failure to provide notice of adverse action ( e.g., charge-offs ).

1681x Willful noncompliance with FCRA provisions.

Additionally, this situation violates the Servicemembers Civil Relief Act ( SCRA ), which provides enhanced consumer protections for XXXX XXXX XXXX personnel. 

Requested Actions : 1. Immediate investigation and removal or correction of all inaccurate information across all three bureaus.

2. Removal of late payments and charge-offs that were never validly reported or communicated.

3. Update of personal identifying information to reflect current, accurate contact details.

4. Written explanation and confirmation of actions taken to comply with my rights.

5. Review and ensure compliance with FCRA and SCRA protections, particularly for XXXX XXXX XXXX. 

This situation is already impacting my financial opportunities and causing personal stress. I expect the CFPB to hold these companies accountable for their failure to uphold federal consumer protection laws. 

I can provide supporting documentation upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

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 2025-05-16 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: IN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LEXISNEXIS
State: GA

Complaint narrative:
Ive been harassed by an entity Ive never had any business with. Ive asked to cure this by deleting data that I never gave permission verbally or written to Share any of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
XX/XX/XXXXXXXX  XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation Regarding Inquiry Dear XXXX, I am writing to request validation of a hard inquiry listed on my credit report that I believe is associated with a debt I do not recognize. 
Account Information : Inquiry Date : XX/XX/XXXXXXXX  Creditor Name : XACTUS LLC/ XACTUS AVANTUS  Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debts and inquiries recorded on my credit report. I kindly ask that you provide me with the following information regarding this inquiry : 1. The details of the debt associated with this inquiry.

2. Documentation proving that I authorized this inquiry.

3. Any other relevant information regarding the creditor. 
Please respond within 30 days of receiving this letter. If you can not provide the requested validation, I ask that you remove this inquiry from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, signed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO AUTO Account Ending : XXXX Loan Type : Auto Loan Status : Charge-Off Balance Reported : {$8800.00} Last Payment Made : XX/XX/year>XXXX  Dispute Details : This account was charged off. However, the credit report : Continues to show monthly late payment activity even after the vehicle was sold Updates a charge-off balance as if its open, which is improper under the FCRA Reports payment details and interest despite no active account Ongoing payment activity and late payments, which is misleading and violates FCRA standards for charge-off reporting. 

Per FCRA 605 ( a ) and CFPB guidance, payment transactions and charge-off balances that have been settled should not continue to update or negatively affect a consumers report if the debt was resolved. Continuing to report this as open and past due is misleading.

Please investigate these accounts under the FCRA 1681i and 1681s-2. The continued reporting of inaccurate late payments, repossession codes, and misleading balances is harming my credit profile unfairly.

The continued reporting of this account as actively delinquent and unpaid, when in fact it was settled through asset recovery and sale, is both incomplete and damaging to my creditworthiness.

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 2025-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX  Account Ending : XXXX Loan Type : Auto Loan Status : Charge-Off Balance Reported : {$8800.00} Last Payment Made : XX/XX/year> Dispute Details : This account was charged off. However, the credit report : Continues to show monthly late payment activity even after the vehicle was sold Updates a charge-off balance as if its open, which is improper under the FCRA Reports payment details and interest despite no active account Ongoing payment activity and late payments, which is misleading and violates FCRA standards for charge-off reporting.

Per FCRA 605 ( a ) and CFPB guidance, payment transactions and charge-off balances that have been settled should not continue to update or negatively affect a consumers report if the debt was resolved. Continuing to report this as open and past due is misleading.

Please investigate these accounts under the FCRA 1681i and 1681s-2. The continued reporting of inaccurate late payments, repossession codes, and misleading balances is harming my credit profile unfairly. 
The continued reporting of this account as actively delinquent and unpaid, when in fact it was settled through asset recovery and sale, is both incomplete and damaging to my creditworthiness.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My ex XXXX XXXX stole my card while I was XXXX XXXX N has been spending money on it like over XXXX and also wont return it back using it on other man and females herself etc I need it back to pay my bills asap this is emergency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-05-16 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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