vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XXXX of XXXX XXXX opened new loan with my personal information without my consent. This violates many consumer rights that are entitled to me. The XXXX XXXX allows the use of electronic records if the consumer has affirmatively consented to such use. XXXX has not received any written consent from me to open a loan in the year of XXXX. Since then the entity ( XXXX ) has shared that information as well as personal information to outside agencies. The FERPA Act of 1974 States unless required by federal law, the information contained in educational records may not be disclosed to third parties. 15 U.S.C 1681b ( a ) ( 2 ) states that any reporting agency may furnish a consumer report if it is done in order of a court of having jurisdiction to issue such an order, written consent of the consumer. I have no documentation of a court order nor does XXXX have written consent from me to do such things.

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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In XXXX of XXXX XXXX opened new loan with my personal information without my consent. This violates many consumer rights that are entitled to me. The XXXX XXXX allows the use of electronic records if the consumer has affirmatively consented to such use. XXXX has not received any written consent from me to open a loan in the year of XXXX. Since then the entity ( XXXX ) has shared that information as well as personal information to outside agencies. The FERPA Act of 1974 States unless required by federal law, the information contained in educational records may not be disclosed to third parties. 15 U.S.C 1681b ( a ) ( 2 ) states that any reporting agency may furnish a consumer report if it is done in order of a court of having jurisdiction to issue such an order, written consent of the consumer. I have no documentation of a court order nor does XXXX have written consent from me to do such things.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 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: MI

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: Veros Credit, LLC
State: NC

Complaint narrative:
I am writing to formally request that you cease all communication with me regarding the account with Veros Credit Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my right to request that you immediately stop all forms of communication with me. This includes any written or verbal communication regarding the account. The reporting of this debt to the credit bureaus or any attempt to contact me regarding this account is a form of communication covered by the aforementioned law. 
Furthermore, I dispute the validity of the account in question and request that it be immediately removed from my credit report. If you are reporting this account to any credit reporting agencies, I demand that you take the necessary steps to have it removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm in writing that the account has been removed from my credit report and that all future communications regarding this matter will cease. 
Failure to comply with this request will result in my pursuing further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal remedies for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. I expect a written response confirming that you have complied with my requests within 30 days of receiving this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit Management Company Charged my credit XXXX time with a price of {$680.00} XXXX XXXX, {$660.00}, and {$1100.00}.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Equifax addressed alleged violations of multiple laws, including failures to protect consumer data : 1.The Federal Trade Commission Act, which prohibits unfair or deceptive business practices.

2.The Fair Credit Reporting Act ( FCRA ), governing the accuracy and privacy of information in consumer credit reports.

State consumer protection laws, such as California 's Business and Professions Code section 17200 and Civil Code sections 1798.81.5 and 1798.82, which mandate businesses to implement reasonable security measures and notify consumers of data breaches.

3.The Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and security of consumer information.

4.Various state data breach notification laws that mandate timely disclosure of data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

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 2025-04-04 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: Experian Information Solutions Inc.
State: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX5 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: 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: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XXXX cancelled homeowners insurance policy. XXXX. At XXXX Saw on my mortgage with Carrington charges {$1600.00}. So XXXX sent me refunds. I sent check to mortgage company Carrington. {$1600.00}. They stopped payment check now overdraft on me. I call XXXX XXXX say XXXX never sent them another check. I a paid {$1600.00} and XXXX $ overdraft fees. No refund check. Called Carrington XXXX said they will review. XXXX checks in escrow for {$1.00}. They only sent me XXXX. XXXX check please I need help. 
Senior widow borrowed money to pay off all these charges They playing pass the ball. I need my money.

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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Been a customer of Pentagon Federal Credit Union for nearly 10 years, never had a late payment and normally dont carry a balance XXXX any of the XXXX credit cards I have with them. However in XXXX their system processed an ACH payment. The payment was in a pending status when I closed the associated account it was coming from. I was assured all pending payments would be completed first then remaining balance would be transferred out. 

Called in to PenFed on XXXX different occasions and spoke to XXXX different representatives including XXXX supervisors. No one could explain why the payment that reflected as processed showed a {$5.00} underpayment. So I made not XXXX, but XXXX good faith payments prior to any late fees being added. XXXX payments made same day to cover the underpayment they stated ( and amply noted ) was the issue, as well as an additional payment to cover the following months payment to prevent any further issues. 

Yet this organization reported a late payment to the credit bureaus, causing an unwarranted XXXX point loss to my credit scores! This needs to be investigated and removed immediately! 

I do not have access to their system and as a member I responded responsibly and in a timely manner to the issues customer service reps AND supervisors presented to me. If they had no idea what was going on, how in the world could I know? Its ridiculous! They need to remove this late payment from all XXXX credit bureaus immediately as its already adversely affected by business and financial transactions. 

I called and requested removal, and even with ample notation on the account speaking to the issues being internal, not my doing, they still refused. 

As a financial institution they need to be held accountable for - their misinformation, - lack of ability to navigate their own systems- failing properly communicate account activity - failing to properly manage my account info - refusing to provide copies of account notes- failing to remove inaccurately reported info

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report this morning, I was alarmed to see accounts that do not belong to me. I review my credit report frequently, and this is the first time Ive encountered such discrepancies. I even refreshed my browser to ensure it wasnt a display issue, but the errors persisted. Given this situation, I request a careful examination of the documents I have submitted so that I wont have to worry about this anymore.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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: 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 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: EQUIFAX, INC.
State: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 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: IA

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 XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted Portfolio Recovery and asked for chain of sale custody from original creditor to this alleged debt owed and phone call logs due to harrassment calls to me and calling before XXXX XXXX and after XXXX and calling other family members looking for me and previous work job location previous employer. I disputed this and was sent summons to go to court over debt owed and did not get to mediate with mediator and when straight in front of judge who I explained information on not getting correct documents to prove debt properly and he did not care and even though Portfolio Recovery violated by contacting me during off hours before XXXX XXXX and after XXXX and contacting my previous work employer and other family members the judge did not care and placed offical judgement on me which I explained I have XXXX XXXXXXXX do not make money and do not work at all and have no assets or funds to pay and will never have and it did not matter and judgement was placed on file which is making life more difficult and just want debt gone and judgement removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation