vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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 formally disputing inaccurate and unverified information in my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). 

You are required by federal law to ensure that all data you report is accurate, complete, verifiable, and fully compliant with the Metro 2 format as outlined in the current CRRG. At this time, I demand a full reinvestigation and removal of all inaccurate, unverifiable, or improperly reported information listed below. 

PERSONAL INFORMATION BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to provide physical, original, and verifiable documentation confirming : That each of these items was legally reported. 

That each account was the result of a valid transaction with my express written consent. 

That the accounts and inquiries were not previously deducted as tax losses, charged off, or settled with insurance. 

That each furnisher reporting these items is in full compliance with Metro 2 field-level guidelines for accurate reporting. 

Per the FCRA XXXXi and XXXX U.S. CXXXX XXXXs-2, I request the deletion of any item that can not be verified through notarized affidavits from individuals with first-hand knowledge of the account or debt in question. 

You must also confirm whether any of the accounts listed were previously removed and reinserted. If so, you are legally obligated under FCRA XXXX ( a ) ( 5 ) ( B ) to provide written notice within 5 business days of the reinsertion. 

If these accounts and personal records can not be fully validated within 7 business days, I expect the immediate permanent deletion of the inaccurate data. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and I will pursue further legal remedies under federal law. 

This letter serves as your formal notice. Please mail me a copy of my updated credit report reflecting your corrections and deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-06-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-17 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : 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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-17 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 am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : Subject : Request for Deletion of Inaccurate Credit Information Due to Data Breach I am writing to formally dispute certain items on my credit report that I believe are the result of identity theft stemming from a data breach. These items do not reflect my personal financial behavior or any account activity I have knowingly authorized.

I recently became aware that my personal information was compromised in a data breach, which has led to fraudulent accounts and/or inaccurate negative information being reported under my name. These accounts and entries were not authorized by me, and I am not responsible for the resulting debts or derogatory remarks.

The following items are in dispute due to suspected fraud : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccurate items be investigated and promptly removed from my credit file.

I HAVE NEVER LIVED AT ADDRESS LISTED ON REPORTED OR REPORTED ITEMS THIS IS FRAUD ACTIVITIES ON MY CREDIT REPORT. PLEASE PROVIDE WET SIGNATURE OF SAID DEBT. THE ADDRESS ON THESE ITEMS ARE NOT MINE AND INCORRECT.

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently resounds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Equifax 's action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX Dept of EducationXXXX XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 filing a formal complaint against TransUnion, Equifax, and Experian for continuing to report inaccurate, unverifiable, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Disputed Accounts : XXXX. XXXX XXXX XXXX Charged-off account ( {$9500.00} ) XXXX XXXX  XXXX XXXX Charged-off account ( {$12000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account ( {$570.00} ) XXXX XXXX XXXX XXXX XXXX XXXX Repeated late payment history XXXX 5. Dept. of Education XXXX XXXX XXXX XXXX  Reported 90120 day late payments during periods of deferment all 3 bureaus Nature of Complaint : - Furnishers and CRAs failed to verify the accuracy of the reported data.

- No evidence of contractual obligation, billing statements, or signed agreements were provided.

- My disputes were ignored or met with generic verified responses lacking documentation.

- Late payments reported outside of FCRA-compliant grace periods.

Legal Basis : - FCRA 1681i Failure to properly reinvestigate disputed information - FCRA 1681s-2 ( b ) Failure of data furnishers to investigate and correct - FCRA 1681e ( b ) Inaccurate reporting without reasonable procedures - FCRA 1666b Violation of mandatory payment grace periods - FCRA 1681c ( a ) ( 5 ) Reporting obsolete information

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 2025-06-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-17 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
XXXX is inaccurately reporting 120-day late payments on two student loan accounts.

The credit report clearly states the accounts are in payment deferred status, meaning no payment was due.

Reporting a loan as late while it is in deferment violates both the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act ( HEA ).

I previously disputed the information with both the credit bureaus and XXXX. 
Despite these disputes, the false late marks remain and are negatively affecting my credit.

I am requesting : Immediate removal of all late payments reported during deferment.

Full investigation into this reporting practice.

An explanation of how the account was verified by XXXX or the credit bureaus.

I have uploaded a copy of my credit report which clearly shows this contradiction.

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 2025-06-17 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: NV

Complaint narrative:
XXXX is inaccurately reporting 120-day late payments on two student loan accounts.

The credit report clearly states the accounts are in payment deferred status, meaning no payment was due.

Reporting a loan as late while it is in deferment violates both the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act ( HEA ).

I previously disputed the information with both the credit bureaus and XXXX. 
Despite these disputes, the false late marks remain and are negatively affecting my credit.

I am requesting : Immediate removal of all late payments reported during deferment.

Full investigation into this reporting practice.

An explanation of how the account was verified by XXXX or the credit bureaus.

I have uploaded a copy of my credit report which clearly shows this contradiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
XXXX is inaccurately reporting 120-day late payments on two student loan accounts.

The credit report clearly states the accounts are in payment deferred status, meaning no payment was due.

Reporting a loan as late while it is in deferment violates both the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act ( HEA ).

I previously disputed the information with both the credit bureaus and XXXX. 
Despite these disputes, the false late marks remain and are negatively affecting my credit.

I am requesting : Immediate removal of all late payments reported during deferment.

Full investigation into this reporting practice.

An explanation of how the account was verified by XXXX or the credit bureaus.

I have uploaded a copy of my credit report which clearly shows this contradiction.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
Received two emails from this company today that contained several violations of the FDCPA about an alleged debt i owe. Im sure this is a phishing scam but I wanted to file a complaint regardless. I dont recall this debt. I also received 8 phone calls from XXXX to XXXX from the same entity alleging I owned this debt and during the calls they issued threats verbally in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-06-17 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: FL

Complaint narrative:
I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. The fraudulent accounts include : XXXX XXXX Opened on XX/XX/XXXX Balance : {$230.00} XXXX XXXX Opened on XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX Opened on XX/XX/XXXX I have never done business with these companies. These accounts were not opened by me and are the result of identity theft.

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 2025-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Westcreek Financial
State: TX

Complaint narrative:
I kept receiving text msgs saying I owe money for a kolofai lease. I had a lease with this company two years ago for a mattress. I logged into my account and saw someone purchase auto parts under my account. The email address is not my email the company XXXXXXXX XXXX XXXX  is all the at in New York. I called the auto shop they did not speak any English XXXX.

Company response to consumer: Closed with explanation