vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-01 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: FL

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-01 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: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
I disputed an item reported on my credit report. Specifically, on XX/XX/year>, company reported a LATE PAYMENT to my XXXX, XXXX, and XXXX. I believe this transaction is incorrectly reported and falls under legal exclusions.

According to 15 USC 1681a, particularly subsection ( 2 ) ( i ), a consumer report does not include reports that solely contain information about transactions or experiences between the consumer and the reporting entity. Therefore, I am requesting the removal of this transaction from my consumer report.

Additionally, I would like to point out that, per 15 U.S. Code 1666b, a creditor can not designate a payment as late unless they ensure that the periodic statementsincluding all required information as specified in section 1637 ( b ) are mailed or delivered at least 21 days before the payment due date.

I ask for them to please provide me with the tracking number and details of the periodic statement that was sent to me 21 days prior to the due date? 

Thank you for your prompt attention to this matter. I look forward to your cooperation in rectifying this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: WI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: WI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
When I originally opened my account with Mountain America Credit Union in XXXX I received a debit card but only used it infrequently to get cash at my branch ATM in XXXX XXXX. On XX/XX/XXXX there were charges on my account that I did not make. I reported them as fraudulent, and they were investigated and removed. When I reported the fraud, I also told the fraud department not to send a replacement debit card, because I no longer wanted one associated with my account. They sent one anyway. When I received the card, I called again and reaffirmed I did not want any debit card associated with my account and was told it was cancelled and removed. Today I received an alert from the credit union of fraud on my account. I called and spoke to XXXX XXXX he said the call is recorded ), who told me there was still a card associated with my account. After telling him numerous times that I did not authorize nor want a card associated with my account, XXXX asked if I would like him to cancel it! XXXX finally understood that there should not be a card on my account, and assured me it was cancelled and removed. 

I am making this complaint because XXXX XXXX needs to be investigated for its lax security measures on my account on more than one occasion. Debit cards are associated with a checking account and could give fraudulent access to the account. I made it clear I didn't want a debit card, but it was sent anyway which was a security breach on the part of the credit union. In addition, I have a password on my account and multiple times when I went into the branch to withdraw funds, I was not asked for the password, the last time was after I had spoken to the bank manager, XXXX, who assured me he would reinforce the need to ask for passwords. 

I have a concern this may have had the involvement of employees A financial institution has a due diligence requirement to protect the financial assets of its customers, XXXX XXXX failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Request for IRS Form 1099-C ( Cancellation of Debt ) Account Number : XXXX Dear, XXXX XXXX XXXX XXXX I am writing to formally request a copy of IRS Form 1099-C for the above-referenced account. I believe a cancellation of debt occurred in connection with this account, and I need the 1099-C form for my personal tax records and reporting to the Internal Revenue Service . 

Under IRS rules, creditors are required to file Form 1099-C when a debt of {$600.00} or more is canceled or discharged. If a 1099-C was issued, please send me a copy of the form for my records. If one has not been issued and the debt has been discharged, please advise on when it will be sent. 

Please send the 1099-C to the address listed above or email it to : XXXX, if permitted. 

If this request needs to be submitted in another format or to a specific department, kindly let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-01 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: AL

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In the year XXXX I gotten a student loan for barber school but once i finished school i was told i didnt need to pay the loan back since it was declared a grant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
according to 15. U.S.C 1692 ( C ) my rights have been violated by unlawful communications. please remove he following inquires off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX reported a derogatory account on my credit on XXXX XXXX,2023 it is not my account and never did business with them and I feel like my rights where violated according to the FCRA because due to this matter I have been getting denied loans and credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account : NATIONAL CREDIT SYSTEMS INC. # XXXX. I am not aware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide a receipt from " Certified Mail '' displaying my signature. If not, please delete account # XXXX from my report as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a formal complaint regarding the unlawful sale and collection of alleged debts by third-party debt collectors to whom I have never given consent, signed any agreement, or acknowledged any liability. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), debt collectors are prohibited from using deceptive, unfair, or abusive practices to collect debts. Specifically, without my explicit written consent or an enforceable contract, third-party agencies do not have standing to collect, report, or demand payment on alleged debts. Additionally, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ( a ), ), inaccurate, unverifiable, or unauthorized accounts must be removed from consumer credit reports, and consumers have the right to dispute any such information. UCC-3-306, FCRA 609 ( a ), FCRA 611 ( a ), 15 U.S.Code 1681 ( s ) -2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting a complaint regarding multiple inaccurate charge-off entries on my Experian credit report, which I believe violate the Fair Credit Reporting Act. The accounts include XXXXXXXX XXXX ( account number XXXX ), XXXX XXXX BAN ( account number XXXX ), XXXX ( account number XXXX ), and XXXX ( account number XXXX ). Notably, the XXXX XXXX account, charged off with a {$930.00} balance as of XX/XX/XXXX, is incorrectly reported as never late despite being marked {$930.00} past due, which is a clear contradiction. Additionally, all XXXX accounts show recent balance updatesMay XXXX, XXXX ( DESERVE, {$750.00} ), XX/XX/XXXX ( XXXX, {$1100.00} ), XX/XX/XXXX ( XXXX, {$930.00} ), and XX/XX/XXXX ( XXXX, {$1800.00} ) despite no activity since XXXX, suggesting improper adjustments post-charge-off. The XXXX account also lists a last payment date of XX/XX/XXXX, which I believe is a typo ( likely XXXX ), further indicating reporting errors. I previously disputed the XXXX account with Experian, but they upheld it without adequate verification. These inaccuracies have negatively impacted my ability to secure credit. I request that the CFPB investigate these discrepancies, ensure proper debt verification, and facilitate the removal of these erroneous charge-offs from my credit report.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is inaccurate personal information being reported to my consumer report

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 2025-06-01 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: CA

Complaint narrative:
XXXX credit card states that all primary users and authorized users credit rapport and status would be reported to all three credit bureaus naming Experian XXXX and XXXX  regarding credit history for all users. 

I had to call and order for them to report to all three credit bureaus when they were only reporting to XXXX now they're not reporting to any and in accurate information was reported once I mentioned about Experian, Please take note It does not define any special circumstances or conditions all users will be reported to all three credit bureaus ... And I was constantly for months delayed in getting answers back or responses Please note that they were claiming to have been doing an investigation and reporting to TransUnion and the other XXXX credit bureaus but the credit bureau say we never got anything it's been a XXXX XXXX that's good consumers and paying our bill on time we have ran into numerous issues that have been unfair and not favorable they started reporting the TransUnion and once they stop and took it off I took XXXX big heavy hit as an authorized user for the trade line in the beginning my daughter as the primary user so had to call in once I brought it to her attention that it wasn't being reported to experian on her behalf and then they started reporting that took place almost a year later... I stated to a young lady that You're not reporting to Experian on our behalf and her reply was we don't report to Experian... And which we found strange when they advertise that they report to all three credit bureau and it's in their terms and conditions regarding everything I've spoken on that they're supposed to be reporting to all three credit bureaus regarding the primary user and authorized users name... We have made payments on time and before time this is not acceptable

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing this formal complaint and dispute regarding a collection account reported by XXXX XXXX XXXX XXXX on my credit report. I have no contractual relationship or knowledge of any debt owed to this company. As such, I assert that this debt is either inaccurate, unverifiable, or potentially fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information that is inaccurate, incomplete, or can not be verified. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request proper validation of the alleged debt, including : The name of the original creditor, The amount of the debt with a full itemized breakdown, Proof of my contractual obligation to pay the debt, Evidence that XXXX XXXX XXXX XXXX has legal authority to collect this debt. 

To date, I have not received any legally sufficient validation of this account. such as proof of authority and a contract bearing my signature. Reporting such unverifiable information to credit bureaus constitutes a violation of the FCRA and may be considered false representation under the FDCPA. 

This erroneous reporting is causing substantial harm to my creditworthiness and directly affects my ability to obtain housing, employment, and credit.

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