vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I filed a complaint with your agency. The credit bureau responded and said they need 60 additional days. They BROKE THE LAW with not responding to my original request. The LAW says they have 30 days they did not comply with that law. Time after time they do this to consumers and get away with it. I assure you I will be filing in the Federal Courts this week against both the company and their CEO PERSONALLY. 

They do not get to violate the law and get a free pass for another 30 days. the law says 30 days. The reason they want 60 more days to look at an incorrect duplicated balance and close date and reporting date is so they can attempt to " Fix '' That. This is NOR what the law says. The violation has already been committed. That is the equivalent of breaking into a bank in the middle of the night because you want YOUR money. Then going back tomorrow and sat It was my money that's why I broke into the bank. YOIU ARE STILL GUILTY OF BREAKING INTO THAT BANK. They are GUILTY of violating my rights. They have 5 business days to get in touch with me to let me know the errors are REMOVED or I will be in the Federal ; Courts and they can defend that action. NOTE the depositions will be very interesting when I get your CEO on that stand. 

5 Days GOVEREN YOURSELF ACCORDINGLY

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 2025-04-13 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: NY

Complaint narrative:
CFPB Complaint Request for Deletion of Inaccurate Charge-Off Account To Whom It May Concern, I am filing this complaint to formally request the permanent deletion of a charged-off account being reported by Experian, TransUnion, XXXX, This account is being reported inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and Metro 2 reporting guidelines XXXX 
Account Details : - Creditor : XXXX XXXX XXXX - Account Type : Auto Loan - Account Number : XXXX - Status : Charged Off/ In Collections - Date Closed ( Reported ) : XX/XX/XXXX - Last Payment ( Reported ) : XX/XX/XXXX Grounds for Deletion : 1. **Inconsistent and Conflicting Data** : The account shows a last payment date of XX/XX/XXXX, yet the account is reported as closed on XX/XX/XXXX. This inconsistency is a violation of Metro 2 guidelines, which require internal data consistency across fields. An account can not legally reflect activity after closure unless reopened, which was not disclosed. 

2. **Violation of FCRA 607 ( b ) ** : The FCRA mandates that only complete and accurate information may be furnished to credit reporting agencies. Conflicting dates and misleading status updates violate this provision, warranting immediate removal if the data can not be verified with certified accuracy. 

3. **Ambiguous Remarks** : The Contact Subscriber remark is vague, fails to comply with Metro 2 guidance requiring clear resolution status ( e.g., Settled, Paid in Full, Charged Off ), and misleads future lenders, causing undue consumer harm. 

4. **Improper Charge-Off Reporting** : A charge-off implies no further payments, yet this account shows payment activity after the charge-off date, which may constitute unlawful re-aging or misclassification of the account. If any part of the charge-off status can not be verified as accurate and final, it must be removed. 

5. **Lack of Verifiable Documentation** : If the data furnisher can not provide full and complete documentation validating every aspect of this tradeline, the FCRA requires its deletion under 611. Unverifiable, outdated, or contradictory tradelines must be removed from consumer reports. 


Due to the above violations and inconsistencies, I am requesting the **permanent deletion of this account** from all consumer reporting agencies. I respectfully urge the CFPB to investigate this matter and take action to ensure full compliance with FCRA and Metro 2 standards.

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I made a purchase on XX/XX/year> for {$370.00} from XXXX and didnt received the items ( XXXX XXXX ) until XXXX which had too late and when I did receive them they were missing pieces and broken. I contacted the seller and they weren't responding so I opened a dispute with my bank Current. They declined my dispute but in the meantime the merchant was responding to my request for a refund and was willing to refund my money but said they couldn't because there was an open dispute. Currents customer service said there was no longer an open dispute so the merchant could refund. I kept going back and forth with the merchant who kept saying there was an open dispute. I had returned the items but the merchant still kept saying they were unable to refund due to an open dispute. I contacted current again and again was finally told to submit the new information from the merchant stating they would refund and my dispute would be reevaluated for a refund. I submitted the email from the merchant stating they would refund my money but couldn't and the tracking for the return. I was just recently told my appeal was denied. I am now out of money and have nothing to show for it. If the merchant clearly said in an email that they would refund but couldn't due to an open dispute and current says the dispute is closed then why not refund the money since either the merchant can't or is lying about the ability to do so? I am XXXX and live on a very tight budget and these items that were purchased as gifts for advent arrived late, broken and missing pieces. Current will NOT help me get my money back and I cant understand why?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I received an amount of {$330.00} on my credit report. I asked what was it for they said unpaid rent. I disputed it with the credit company and provided the receipt showing the final amount was paid before I moved, the date was also on the receipt. I also told them that the account was created as an act of retaliation because I sued the apartment complex for not fixing anything and I also moved before the lease was up. They also kept my deposit that I paid when first moving in. I provided the court documents. The credit company stated that my dispute didnt matter because they work for the apartment complex to get the money and they dont work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I graduated from the XXXX XXXX XXXX and was hoping to work in the field I studied, but I never received any help or guidance from them on how to find a job. I was told by administration that now was the time to go into the field, and that I would have no problem finding a job. Since then, thXXXX XXXX XXXX XXXX  was ordered to repay students for predatory advertising. I am hoping to know what my options are for the fraudulent representation made by the university. 
I previously had to file for bankruptcy, and when it was removed from my credit report, it should have been removed for good. However, I checked my report recently, and it has been put back on there.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-13 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: PA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX  XXXX. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
Inquiries to Remove : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
Inquiries to Remove : 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

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 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately.

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 2025-04-13 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: IL

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 2025-04-13 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-04-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$15.00} Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX With a balance of {$2600.00} Account number XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$15000.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-04-13 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: FL

Complaint narrative:
I disputed these accounts and missed payments with Experian. I explained I was a victim of a national disaster and suffered from XXXX and XXXX in XXXX, XXXX and was hospitalized in XXXX. I provided proof of the settlement letters and the documents from the hospital as well as loss wages, my hours was cut from XXXX to the end of XXXX. Also, I provided my current capital XXXX account is paid in full and still showing a balance and listed as negative on my report and I havent been late on this account in over a year. I received a report stating the account is currently negative. Please help

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 2025-04-13 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: PA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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