vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
I have concerns in regards to what you are reporting on my credit reports. 



account : XXXX Account is reporting with 2 different amounts of high credit Account is reporting different account status Account is reporting different remarks Account is reporting inaccurate/different payment history Account is reporting different last payment activity if this account is being reported by the same creditor why are there different amounts, dates, and remarks? remove due to inaccurate reporting. 



also according to the FCRA 15 US Code 1681b permissible purposes include credit transactions, employment, insurance, court order, child support, or consumer written instructions. did I give you permission to furnish my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  , I am submitting this complaint to the Consumer Financial Protection Bureau\n(CFPB) specifically in relation to the data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act (FCRA)  605B (15 U.S.C.  1681c-2), I request the\nremoval of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required\nto complete this action within four business days of receiving this complaint.\n\n*Fraudulent Accounts to be RemovedXXXXXXXX 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 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 IM REQUESTING THE IMMEDIATE REMOVAL UNDER (FCRA) SECTION\n605(B),609(C),AND 611(a) UNAUTHORIZED IDENTITY THEFT DATA BREACH RELATED\n\nFRAUDULENT PHONE NUMBER XXXX XXXX  FRAUDULENT INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXnppearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit\nstanding. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints , which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence ofXXXX  in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to\nrectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the\nCFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to\nthisurgent 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For three straight days I tried getting the credit report from Experian and Equifax. First I tried online through annual free credit report, but all I got in return were service errors after being asked to produce answers for credit history I don't even have. 
I then tried getting the report from Experian but that didn't work and was told to call by phone. On phone their robot will not let me talk to a human and directs me to go online creating an infinite loop! 
It was a similar experience with Equifax, but I'm able to get a hold of a human. However, they were not able to verify my identify because their link by text message doesn't work. They did not have another way to help me. 
Experian produced a letter so I could mail it using documents I don't have.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the following credit inquiries listed on my Experian credit report dated XX/XX/XXXX2025. Upon careful review, I have identified several inquiries that I do not recognize or authorize. These inquiries may negatively affect my credit profile, and I am requesting that they be blocked from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2.

Under this law, I have the right to request the blocking of information resulting from identity theft or unauthorized use of my information. The inquiries listed below fall into this category : ________________________________________ Disputed Hard Inquiries : 1. XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
I am writing to formally dispute the following credit inquiries listed on my Experian credit report dated XX/XX/XXXX2025. Upon careful review, I have identified several inquiries that I do not recognize or authorize. These inquiries may negatively affect my credit profile, and I am requesting that they be blocked from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2.

Under this law, I have the right to request the blocking of information resulting from identity theft or unauthorized use of my information. The inquiries listed below fall into this category : ________________________________________ Disputed Hard Inquiries : 1. XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on 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 2025-04-22 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
I just reviewed my credit report and noticed there are accounts being reported that I have no knowledge of. These accounts are completely unknown to XXXX never opened them, never used them, and was never notified of their existence. I dont know how they ended up on my report, but they do not belong to me and theyre presenting a false picture of my financial history. This is incredibly frustrating and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
IMy profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am a victim of identity theft. I recently discovered that fraudulent accounts and/or debts have been opened or incurred in my name without my knowledge or authorization. These unauthorized actions have negatively affected my credit and financial standing. I am requesting an investigation into this matter under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which grants victims of identity theft the right to block fraudulent information from their credit reports. Please use this report to initiate the process of removing any accounts or debts that are the result of identity theft from my credit file and to stop further collection actions. I respectfully request written confirmation once the information has been removed or blocked and appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kovitz Shifrin Nesbit, A Professional Corporation
State: IL

Complaint narrative:
On Monday, XX/XX/2025, I received an email from paralegal XXXX XXXX from the law office of Kovitz Shifrin Nesbit regarding the balance that was owed on my account. XXXX XXXX attached a copy of the ledger for the balance that was owed, however, the ledger was not from my account. It was someones else account with their full name, address and with the balance that they owed. I informed the company of the serious error and how it was a potential breach of privacy and data protection regulations. I also requested for Kovitz Shifrin Nesbit to confirm that this issue would been flagged internally and addressed with the appropriate urgency. However, I have yet to hear back from the company. I am concerned about how I saw someone elses private information, what if my private information has been shared and released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I do not recognize the negative accounts appearing on my 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
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-22 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: GA

Complaint narrative:
These are already paid Accounts and should not be reporting negatively on my report. The payment history that you are reporting is incomplete. You have a responsibility to report complete and accurate information. If this you can not report a complete payment history then you are reporting inaccurate information. The Date of last payment that you are reporting is not matching with the other credit reporting agencies I request that these discrepancies be investigated, and if these discrepancies can not be modified to be accurate and complete, I ask that this account be deleted 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 non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-22 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: NY

Complaint narrative:
ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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.

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Complaint Against : Aidvantage ( https : //aidvantage.studentaid.gov ) Date of Incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was notified that my student loans had been reported as past due. This was alarming, as I had previously been enrolled in automated ACH payments and my monthly payments were being pulled without issue. 

Upon calling Aidvantage, I was informed that my loan had been transferred to their servicing in XX/XX/XXXX. I was not aware of this transfer, so I asked the representative how I had been notified. They stated a transfer email was sent. I asked what email address the notification was sent to and what email address it came from. The representative was only able to confirm the email address it should have been sent to which is correct but could not provide the senders address. 

To be thorough, I searched my email account ( where no emails are ever deleted ), and I found no record of any communication from Aidvantage prior to the day I signed up for an account on XX/XX/XXXX. 

I requested a copy of the original transfer notification letter, and the representative stated a request was submitted for it to be resent and that I should receive it by XXXX As of today, I still have not received a copy of the transfer letter. 

Additionally, I asked why my automated payment information was not transferred from the previous servicer. The representative did not provide an answer to this question. 

The representative also stated that multiple calls were made to notify me, but I advised that no voicemails or messages were ever left, and I have no record of any calls from Aidvantage prior to XX/XX/XXXX. 

This lack of proper notification and failure to carry over my auto-payment setup has negatively impacted my credit. I was never made aware of the servicing change, and the automatic payments I had in place were not maintained through the transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-23 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:
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 List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX 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 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 2025-04-22 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: GA

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 non-monetary relief