vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION US DEPT ED XXXX XXXX XXXX  has violated my rights. 


EXPERIAN US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION US DEPT ED XXXX XXXX XXXX  has violated my rights. 


EXPERIAN US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inaccurate reporting is directly damaging my financial opportunities, including access to loans, credit, and housing. The presence of unauthorized negative information on my credit report is unjust and unacceptable. I demand an immediate and thorough investigation into these accounts, and their prompt removal if found to be unauthorized. This matter is urgent and requires swift corrective action without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Disputed Accounts ( Serviced by XXXX ) XXXX Ending in : XXXX Balance : {$3200.00} Past Due : {$180.00} as of XX/XX/XXXX Pay Status : XXXX Days Past Due XXXX. Account Ending in : XXXX ( duplicate reported separately ) Balance : {$3100.00} Past Due : {$170.00} as of XX/XX/XXXX Pay Status : XXXX Days Past Due XXXX. XXXX XXXX Violations : These federal loans should have been placed into administrative forbearance beginning XX/XX/XXXX, with no late payments or delinquencies reported. Despite this, XXXX has continued to show months of on-time status followed by XXXX and XXXX delinquencies. 
XXXX. Inaccurate and Misleading Data : The accounts show balances increasing over time with no payments posted, even though the loans should have remained in forbearance. This violates FCRA 15 USC 1681s-2, which requires accurate and updated reporting from furnishers. 
XXXX Credit Damage Due to Unverified Entries : These false reports have contributed to a significant drop in my XXXX XXXX and denied me access to financial services and employment opportunities. These accounts were never formally verified with notice under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed Accounts ( Serviced by XXXX ) XXXX Ending in : XXXX Balance : {$3200.00} Past Due : {$180.00} as of XX/XX/XXXX Pay Status : XXXX Days Past Due XXXX. Account Ending in : XXXX ( duplicate reported separately ) Balance : {$3100.00} Past Due : {$170.00} as of XX/XX/XXXX Pay Status : XXXX Days Past Due XXXX. XXXX XXXX Violations : These federal loans should have been placed into administrative forbearance beginning XX/XX/XXXX, with no late payments or delinquencies reported. Despite this, XXXX has continued to show months of on-time status followed by XXXX and XXXX delinquencies. 
2. Inaccurate and Misleading Data : The accounts show balances increasing over time with no payments posted, even though the loans should have remained in forbearance. This violates FCRA 15 USC 1681s-2, which requires accurate and updated reporting from furnishers. 
XXXX Credit Damage Due to Unverified Entries : These false reports have contributed to a significant drop in my credit score and denied me access to financial services and employment opportunities. These accounts were never formally verified with notice under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed Accounts ( Serviced by XXXX ) XXXX Ending in : XXXX Balance : {$3200.00} Past Due : {$180.00} as of XX/XX/XXXX Pay Status : XXXX Days Past Due XXXX. Account Ending in : XXXX ( duplicate reported separately ) Balance : {$3100.00} Past Due : {$170.00} as of XX/XX/XXXX Pay Status : XXXX Days Past Due XXXX. XXXX XXXX Violations : These XXXX  loans should have been placed into administrative forbearance beginning XX/XX/XXXX, with no late payments or delinquencies reported. Despite this, XXXX has continued to show months of on-time status followed by XXXX and XXXX delinquencies. 
XXXX. Inaccurate and Misleading Data : The accounts show balances increasing over time with no payments posted, even though the loans should have remained in forbearance. This violates FCRA 15 USC 1681s-2, which requires accurate and updated reporting from furnishers. 
XXXX Credit Damage Due to Unverified Entries : These false reports have contributed to a significant drop in my XXXX XXXX and denied me access to financial services and employment opportunities. These accounts were never formally verified with notice under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I had discovered that I have XXXX XXXX that appear on my rental history. I was very upset about this matter. I had called the the municipal court in XXXX NJ to find out if they had leak my private information to the XXXX credit bureau. They explain to me that they didnt sell my personal information to these companies, its against the FCRA XXXX to sell any consumer report to any one. Which I wanted to know how did First advantage corporation & XXXX and XXXX XXXX from Transunion and etc get my information number XXXX the first XXXX was at XXXX. The company name was XXXX XXXX that was wrongfully XXXX back in 2018. The second one was in vXXXX  New Jersey. The company is called XXXX XXXX XXXX. The company has changed his name to XXXX XXXX XXXX XXXX that was a wrongfully XXXX. The question is how did both information that was wrongfully put on my rental history without no consent and shall be removed from our rental history under section XXXX ( XXXX ) ( A ) which your company are required to promptly delete all information that cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding The XXXX @ XXXX Apartments and XXXX XXXX XXXX. The apartment complex misrepresented the lease term ( giving me a XXXX lease instead of XXXX ), and the collector has continued to pursue a debt that was never properly validated. After I disputed the debt, the collector increased the balance without explanation. The unit I lived in was also unsafe and uninhabitable, and management never resolved the numerous complaints I made. These practices are unethical and violate XXXX tenant rights laws, as well as federal debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I wanted to remove a fraud alert from my account. I never requested any fraud alert. The message on Equifax website said to call customer service. Equifax customer service refused to remove a fraud alert from my online account. I called Equifax several times but they are not able to fix the problem. The agent told me that Equifax placed a fraud alert on my account because Im from XXXX. This is harassment and discrimination. I request to remove a fraud alert immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, I obtained an auto loan for a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The account was later charged off and sold. Now, the same debt is being reported twice on my credit reports once by XXXX XXXX and again by Cavalry Portfolio Services but with different balances and account numbers. 

XXXX reports the account as closed, opened on XX/XX/XXXX, with a balance of {$13000.00}. Cavalry Portfolio Services reports the same debt as a new collection account, opened XX/XX/XXXX, with a balance of {$15000.00}. This creates the false impression of two separate debts, inflating my total obligations and negatively affecting my credit. 

This appears to be duplicate reporting and illegal re-aging of a charged-off debt, violating the Fair Credit Reporting Act ( FCRA ). 

A court judgment assigned financial responsibility for this debt to my ex-husband during our divorce. I have notified both XXXX XXXX and Cavalry Portfolio Services, sending them copies of the court order multiple times. 

Despite disputes filed with the credit bureaus, and written notice to both XXXX XXXX and Cavalry Portfolio Services, the inaccurate and duplicative reporting remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the inaccurate charge offs reported by Equifax for the XXXX BANK XXXX account XXXX XXXX ) with a balance of {$4300.00} and the XXXX  account XXXX XXXX ) with a balance of {$2100.00}. These XXXX XXXX are being reported without sufficient validation, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit bureaus are required to conduct reasonable reinvestigations to ensure the maximum possible accuracy of the information they maintain, especially for highly impactful items like XXXX XXXX Furthermore, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. Given this, the ongoing inaccurate reporting of these XXXX XXXX  is unacceptable and has caused significant XXXX  harm, including higher interest rates, reduced credit access, and increased XXXX pressure during a challenging economic period. This negligent reporting also undermines my ability to effectively manage my XXXX  future, creating unnecessary stress and XXXX instability.

Company response to consumer: Closed with explanation