vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX  - Balance : $ - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not receive a 1099C from this company for this charge off. My credit report is reflecting that they did give me a 1099c. This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
CREDITORS BUREAU ASSOCIATES is a medical collection that is Being Reported illegally & is violating my Privacy and Hippa laws. Under the CFPB 's amended Regulation V implementing the Fair Credit Reporting Act ( FCRA ), medical debt information is prohibited from being included on credit reports provided to lenders.The continued reporting of this collection account directly violates the amended regulation.This account represents a medical debt, and its inclusion on my credit report contravenes the legal protections now in place to prevent the misuse of medical debt information. 
In accordance with these legal standards, I kindly request the immediate removal of this collection account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts reporting. Please remove these accounts as they are hurting my ability to obtain 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau.

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 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I took out a {$5100.00} installment loan from XXXX  in XX/XX/year> and was shocked to learn the total repayment would exceed {$15000.00} with over {$10000.00} in finance charges. This interest rate and loan structure are predatory and exploitative. Despite making consistent payments, very little has gone toward the principal, and the balance remains unreasonably high. Im requesting assistance in negotiating a fair settlement and asking that XXXX  delete the negative credit reporting and mark the account as paid in full. This loan violates fair lending standards, and I believe it should be reviewed for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



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 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
to whom it may concern I submitted identify theft statement per Transunion request requesting a Debt Validation letter from the collection agency. letter was received by Transunion on XXXX XX/XX/year> as of XX/XX/year> XXXX XXXX the collection agency has not responded yet. It's been more than 30 days therefore it should be removed. I also mailed another letter to Transunion it was received XX/XX/year>. that's still being reviewed.

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 2025-04-01 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: CA

Complaint narrative:
Im writing to dispute an inquiry on my credit report that I never authorized. I did not give permission to pull my credit, and this inquiry is completely unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
In the conversation on XX/XX/2025 in which we discussed a payment agreement on my auto loan. As agreed in our conversation, I will be able to make weekly payments in the amount of {$170.00}. I will be responsible for paying the payment arrangement and the rest of the payments until I have the account in perfect condition.

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 2025-04-01 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: NJ

Complaint narrative:
In the conversation on XX/XX/2025 in which we discussed a payment agreement on my auto loan. As agreed in our conversation, I will be able to make weekly payments in the amount of {$170.00}. I will be responsible for paying the payment arrangement and the rest of the payments until I have the account in perfect condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal

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 2025-04-01 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: NC

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 non-monetary relief
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-04-01 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: CA

Complaint narrative:
Experian is reporting inaccurate information for a mortgage loan with XXXX XXXX. The account is up to date but experian is reporting is as past due with a negative balance. below is my mortgage statement for this month reflecting the actual amount due. 

According to FCrA ( 15 U.S.C. 1681s-2 furnishing inaccurate information to creditors can result in penalties and consumers can use for damages including statutory damages from XXXX $ to XXXX $ per violation. plus punitive damages in cases of willful violations. 

I am requesting the information be updated and inaccuracies removed based on the facts.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Not sure of the dates nor times of these transactions because I did not do them. This was done fraudulently. Please help me get this cleared. I have attached a report of the following agencies

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Willful Noncompliance and Illegal Reinsertions of Previously disputed and removed items

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Im filing this complaint because there are a few things on my TransUnion report that just dont seem right and theyve been holding me back. Ive taken the time to really dig into my credit file, compare it across all three bureaus, and even study how things are supposed to be reported under Metro 2 and the Fair Credit Reporting Act ( FCRA ). 

One of the biggest issues is an account marked as a charge-off, but it still shows a balance even though its listed as closed. Based on Metro 2 formatting, a charged-off account thats closed shouldnt keep reporting an active balance. Theres another credit card that shows on one bureau but not the others, which makes me question whether its being reported correctly. A student loan account shows as current or paid, but also lists multiple 90-120 day lates which doesnt make sense. And there are a few other accounts with missing dispute remarks or inconsistent statuses that Ive already tried to address through prior disputes. 

Im not here to play games Im trying to clean up my credit the right way. Ive attached a copy of my full report and a breakdown of the issues so its easy to follow. All Im asking for is a fair, accurate review and for anything thats wrong or unverifiable to be fixed or removed.

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 2025-04-01 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a fraudulent collection account placed on my TransUnion report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting that they are the original creditor and are attempting to collect over {$26000.00}, despite there being no legal judgment ordering me to pay this amount to them or to XXXX XXXX XXXX. 

The case in question was an unlawful detainer ( eviction ) case, not a debt collection case. There was no monetary judgment issued by the court. I was not properly served, and the process server never obtained substitute service approval. The result was a default judgment for possession only. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not the original law firm on the case. The court records clearly show that XXXX, XXXX, XXXX XXXX XXXX XXXX was the original attorney for XXXXXXXX XXXX XXXXXXXX XXXX did not appear on the case until after a substitution of attorney was filed on XX/XX/2024, well after the judgment had been entered. 

Therefore, they were never a party to any legal action against me while the case was active. They assumed a role after the court process had ended and are now falsely reporting themselves as both the creditor and enforcer of a judgment that does not exist. 

I am including screenshots from the XXXX XXXX XXXX XXXX showing : The list of original case participants The substitution of attorney timeline The Minute Order stating that the case only involved a judgment for possession And other supporting documents. 

TransUnion has not allowed me to upload this evidence through their online dispute platform.

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