vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-10 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:
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-10 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf regarding disputed late payments that have appeared on my credit record. Upon reviewing my credit report, I discovered the presence of these late payment entries that I believe are inaccurate or improperly reported. Despite sending correspondence to the creditor over 30 days ago requesting validation and clarification of these disputed items, I have not received any response, and they have failed to provide me with satisfactory validation or documentation supporting the accuracy of these negative marks. The lack of response and proper verification raises serious concerns about the legitimacy of these reported late payments and their impact on my credit profile.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt from me that is invalid and is damaging my credit report. 

This alleged debt is tied to a XXXXXXXX XXXX XXXX XXXX XXXX that was opened in connection with a fraudulent timeshare transaction through XXXX XXXX. I have previously disputed this with XXXX XXXX, and as part of that process, they issued a partial refund. However, the refund was not sent directly to me. It was supposed to be applied toward the credit cards that were opened for the timeshare purchase. 

Despite this, XXXX XXXX XXXX is still pursuing me for the full balance of {$7800.00}, and they have placed this collection on my credit report. This is inaccurate and unfair. I sent them a debt validation letter requesting : Proof they have the legal authority to collect on this debt A full accounting of how the balance was calculated A copy of any original agreement with XXXX XXXX XXXX showing my personal liability

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I bought a phone from XXXX ( XXXX XXXX XXXX ) for {$330.00} ( XXXX XXXX XXXX XXXX ) and they bought XXXX from me for {$110.00} ( XXXX XXXX XXXX XXXX ). They both have phones. 

So, the total comes to XXXX + {$110.00} = {$440.00}. So far, they have refunded me in XXXX instalments Of {$15.00} + {$100.00} + $ XXXX {$310.00}. So, they owe me {$440.00} - {$310.00} = {$120.00}. 

I have called several times and every time I was told that they Understand the situation & will Escalate the issue so I can get the refund within a few days. But nothing resulted from the phone call and neither did anything from the several back-and-forth email communications. I hope this XXXX the issue. I am also including my email communications with XXXX as well. 

Goldman Sachs sided with XXXX XXXX XXXX without giving me their proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I have spoken with them. I have written a letter including a paystub and rent invoice. I have been told that I do not qualify for deferment and forbearance still requires payments. I have almost been evicted twice in 2 years. I am a XXXX XXXX college educated woman that works full time, lives in a 1 bedroom that takes more than 2 paychecks to pay rent. I picked up a parttime job to avoid eviction, my son was kicked off Medicaid. I lost that job, but still can't get Medicaid. The reason I had Medicaid is that, through my employer, it was costing me ~ $ XXXX to insure myself and my son. That is money that I don't get back. My vehicle broken down and that repair cost me {$1500.00}. Again, almost evicted. My student loan was not worth what I paid if I can not secure a job that pays more than what I owe. This is preposterous! graduated 20 years ago and have been working and working, and own nothing, and have held more than one job and was not able to have a family because of this. There are billionaires in this country ; they don't need to take from working citizens. I can not afford any form of repayment because I am 2 paychecks away from homelessness. This is being unethical. My government is punishing me for trying to get an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request a reinvestigation and full verification of the accounts listed below, as they are reporting with multiple potential inaccuracies and/or inconsistencies across your system. Some of these accounts were previously disputed over 60 days ago with no meaningful resolution or verification provided. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 611 and 609 ( a ) ( 1 ), I am exercising my right to request that you : Investigate and verify the accuracy, completeness, and reporting basis for each item.

Provide me with the name, address, and method of verification used to validate the continued reporting. 


Remove any account which can not be fully verified and validated with original source documentation. 


Furthermore, under XXXX, any information that can not be substantiated must be removed. Re-reporting previously disputed information without proper reinvestigation constitutes continued violation of federal law under 623 of 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 2025-07-10 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 am writing to bring to your attention that my credit file includes information that does not belong to me and is the result of unauthorized use of my personal identifying details. I did not initiate the activity in question, nor was my consent ever given.

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 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
On XX/XX/year> I contacted the XXXX regarding AvanteUSA. a charge off/collection was posted to my credit report on or about XX/XX/year> in the amount XXXX {$1700.00}, with the age of the account listed as XXXX, XXXX XXXX, with the original lender listed as FL XXXX XXXX XXXX XXXX XXXX  XXXX In my statement to the XXXX  I wrote that I did not recognize this account. I have been in the hospital twice in the last XXXX  years and have paid all of my bills in full, with the exception of the XXXX  doctors, which is on a payment plan that is current and in good standing. Avante responded that they will send me a copy of the original bill and request to have the information removed from my credit file. The information is still there. The complaint number with the XXXX  is # XXXX. I placed a call to Avante today and left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
I am the co-signer on a vehicle loan originally financed through XXXX. The vehicle was later voluntarily surrendered. I recently found outthrough the primary borrower stating to my attorney at our court date and showing documentation, XXXX XXXX that a repayment agreement was made with Buffaloe & Vallejo , PLC, a debt collection law firm. 

I was never contacted, notified, or included in any part of this process. I did not receive a validation notice, a repayment plan, or any information about the status of this debtdespite being legally responsible as a co-signer. 

To make matters worse, when I called Buffaloe & Vallejo to request a copy of the agreement and ask why I wasnt contacted, a representative stated : We didnt have to notify you because XXXX XXXX the arrangements. 

That is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and an unfair, deceptive handling of a joint account. I never signed or agreed to any repayment terms and was never given the chance to dispute the debt. 

Additionally, XXXX had previously received formal communication from my attorney. My attorney was never notified about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America has me as an authorized user and I did not agree to this. Credit bureau will not remove this from my account and Bank of America states that they can't remove me as an authorized user.

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 2025-07-10 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am filing a formal dispute regarding an inaccurate and unverified derogatory account reported by XXXX  XXXX XXXX on my Experian credit file. 

Despite submitting multiple disputes and a Method of Verification ( MOV ) request directly to Experian, no supporting documentation was provided to validate the continued reporting of this negative tradeline. 

Experian has not provided adequate verification as required under FCRA 611 ( a ) ( 7 ) and has failed to fulfill its reinvestigation obligations. 

Additionally, the furnisher XXXX XXXX  XXXX XXXX ) has not shown proof of assignment or proper debt validation documentation, which I requested in my correspondence. 

I am including : - A Method of Verification letter previously sent to Experian - A formal Debt Validation letter - An Assignment of Rights Addendum - A summary explanation of my dispute I am available for any additional information or identity verification.

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 2025-07-10 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : 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 explanation
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IN XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : 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

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 2025-07-10 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: FL

Complaint narrative:
Several hard inquiries have appeared on my credit reports from companies I never authorized, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. These inquiries are affecting my credit score and were not initiated or approved by me. 

I sent certified letters

Company response to consumer: Closed with explanation