vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: MN

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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 2025-05-22 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Details of the Complaint : My name is XXXX XXXX, and I am writing to formally file a complaint against XXXX XXXX XXXX regarding the incorrect reporting of a {$65.00} delinquency to all three credit bureaus, which has had a devastating impact on my credit profile. 

Timeline of Events : On XX/XX/year>, I purchased XXXXXXXX XXXX for {$1000.00} each using my XXXX XXXX ( totaling {$2100.00} ) as gifts for employees. 

On XX/XX/year>, I returned both XXXX  and received a full refund. 

XXXX XXXX issued a credit of {$65.00}, which was deposited into my XXXX XXXX account as XXXX XXXX, and simultaneously adjusted my credit card balance by the same amount. 

Since the return, I have not used the XXXX XXXX at all. 

In XX/XX/year>, I was shocked to discover a 60-day past due balance of {$65.00} was reported to all three credit bureaus ( XXXX XXXX TransUnion ) XXXX 

This report caused my credit score to drop from XXXX to XXXX overnight. 

I had no communication from XXXX XXXX or XXXX XXXX about this alleged past due balance no email, no XXXX no push notifications, no phone calls. 

I had {$260.00} available in my XXXX XXXX XXXX account at the time enough to cover the full amount yet no automatic debit or payment was made, and no attempt to alert me occurred. 

I filed a dispute with XXXX XXXX, but they simply closed the case, claiming the reporting was correct without investigation. 

Why This Reporting Is Inaccurate and Unfair : This {$65.00} charge was not a legitimate purchase, but the result of a cashback adjustment/refund handling error. 

I had no intention of missing any payment. I was unaware of this minor balance because of systemic notification failure. 

I had available funds with XXXX XXXX that could have covered this amount with ease. 

I have had a perfect credit history for years, with a current total credit limit of {$170000.00} and no prior missed payments ever. 

The negative mark on my credit has already caused major complications in my ability to obtain or manage construction loans, which are a critical part of my business in the construction and development industry.

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 2025-05-22 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: FL

Complaint narrative:
Details of the Complaint : My name is XXXX XXXX, and I am writing to formally file a complaint against XXXX XXXX XXXX regarding the incorrect reporting of a {$65.00} delinquency to all three credit bureaus, which has had a devastating impact on my credit profile. 

Timeline of Events : On XX/XX/year>, I purchased twXXXX XXXX for {$1000.00} each using my XXXX XXXX ( totaling {$2100.00} ) as gifts for employees. 

On XX/XX/year>, I returned both XXXX and received a full refund. 

XXXX XXXX issued a credit of {$65.00}, which was deposited into my XXXX XXXX account as XXXX XXXX, and simultaneously adjusted my credit card balance by the same amount. 

Since the return, I have not used the XXXX XXXX at all. 

In XX/XX/year>, I was shocked to discover a 60-day past due balance of {$65.00} was reported to all three credit bureaus ( XXXX Equifax, XXXX XXXX XXXX 

This report caused my credit score to drop from XXXX to XXXX overnight. 

I had no communication from XXXX XXXX or XXXX XXXX about this alleged past due balance no email, no SMS, no push notifications, no phone calls. 

I had {$260.00} available in my XXXX XXXX XXXX account at the time enough to cover the full amount yet no automatic debit or payment was made, and no attempt to alert me occurred. 

I filed a dispute with XXXX XXXX, but they simply closed the case, claiming the reporting was correct without investigation. 

Why This Reporting Is Inaccurate and Unfair : This {$65.00} charge was not a legitimate purchase, but the result of a cashback adjustment/refund handling error. 

I had no intention of missing any payment. I was unaware of this minor balance because of systemic notification failure. 

I had available funds with XXXX XXXX that could have covered this amount with ease. 

I have had a perfect credit history for years, with a current total credit limit of {$170000.00} and no prior missed payments ever. 

The negative mark on my credit has already caused major complications in my ability to obtain or manage construction loans, which are a critical part of my business in the construction and development industry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Details of the Complaint : My name is XXXX XXXX, and I am writing to formally file a complaint against XXXX XXXX XXXX regarding the incorrect reporting of a {$65.00} delinquency to all three credit bureaus, which has had a devastating impact on my credit profile. 

Timeline of Events : On XX/XX/year>, I purchased XXXX XXXX XXXXor {$1000.00} each using my XXXX XXXX ( totaling {$2100.00} ) as gifts for employees. 

On XX/XX/year>, I returned both iXXXX  and received a full refund. 

XXXX XXXX issued a credit of {$65.00}, which was deposited into my XXXX XXXX account as XXXX XXXX, and simultaneously adjusted my credit card balance by the same amount. 

Since the return, I have not used the XXXX XXXX at all. 

In XX/XX/year>, I was shocked to discover a 60-day past due balance of {$65.00} was reported to all three credit bureaus ( Experian, XXXX XXXX XXXX XXXX 

This report caused my credit score to drop from XXXX to XXXX overnight. 

I had no communication from XXXX XXXX or XXXX XXXX about this alleged past due balance no email, no SMS, no push notifications, no phone calls. 

I had {$260.00} available in my XXXX XXXX XXXX account XXXX the time enough to cover the full amount yet no automatic debit or payment was made, and no attempt to alert me occurred. 

I filed a dispute with XXXX XXXX, but they simply closed the case, claiming the reporting was correct without investigation. 

Why This Reporting Is Inaccurate and Unfair : This {$65.00} charge was not a legitimate purchase, but the result of a cashback adjustment/refund handling error. 

I had no intention of missing any payment. I was unaware of this minor balance because of systemic notification failure. 

I had available funds with XXXX XXXX that could have covered this amount with ease. 

I have had a perfect credit history for years, with a current total credit limit of {$170000.00} and no prior missed payments ever. 

The negative mark on my credit has already caused major complications in my ability to obtain or manage construction loans, which are a critical part of my business in the construction and development industry.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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.
State: VA

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX again. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. 
I notified in writing and online Experian, Equifax and TransUnion that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This account is closed and paid in full as of XX/XX/XXXX and they are reporting it as being late. 
They are reporting as of XX/XX/XXXX and continue to do so, and I do not have an account with them. 
Per FCRA 15 US Code 1681 ( a ) ( 2 ) they need my consent in writing, and they do not have it.

Per FCRA 15 US Code 1681 ( c ) ( 5 ) Except as authorized under subsection ( b ), 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. They do not have or were given my permission.

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 2025-05-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX Date : 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 2025-05-22 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: NV

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : This letter is being sent to formally dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full verification and validation of the debt you claim I owe, as well as documentation of your legal authority to collect this debt. I hereby request the following : 1. A detailed breakdown of the alleged debt, including the name of the original creditor, the date of origination, the original amount, and an itemized list of any interest, fees, or charges added. 2. A copy of the original signed contract or agreement that allegedly created the obligation to pay. 3. Documentation that proves your company has been legally assigned or otherwise obtained the right to collect on this debt, including a full chain of title from the original creditor to your agency. 4. Proof that this debt is within the statute of limitations for collection in my state. 5. If this debt is being reported to any credit reporting agency, provide the name ( s ) of the bureau ( XXXX ) and confirm whether the account is being reported as disputed. Until you provide these documents, you are not permitted to continue collection activities or report this debt to any credit reporting agencies, as doing so without proper verification is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). If you are unable to provide sufficient verification within 30 days of receiving this request, you must immediately cease all collection activities and remove any information related to this alleged debt from all consumer credit reporting agencies to which you may have reported it. Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Sincerely, 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the handling of my student loans by Aidvantage, which resulted in a negative impact on my credit report due to circumstances outside of my control.

My student loans were in an approved deferment status. However, the loans were removed from deferment without any proper notification. The loan servicer did not have my correct phone number or email address on file, and I did not receive any paper correspondence regarding the change in deferment status. As a result, I was unaware that my loans had become active again, which led to missed payments being reported to the credit bureaus and a significant drop in my credit score.

I believe this situation reflects a failure by the loan servicer to maintain accurate contact information and to communicate critical changes to my loan status through available channels. I was denied the opportunity to take appropriate action due to this lack of communication, and I am now unfairly burdened with negative credit reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I also ask that the loan servicer be required to : Provide an explanation for why no effort was made to confirm or update my contact information ; Clarify what notifications, if any, were attempted ; Rectify the negative credit reporting resulting from this communication failure. 

I appreciate your assistance in helping resolve this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report that I believe is Harming my financial well-being. Im aware of my rights on the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer financial Protection Bureau filed a lawsuit against Equifax For his failure to properly investigate consumer disputes, citing Sham investigation And order on lawful practices as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation failing to notify consumers about investigation, result effectively. 
These allegation highlight systematic news that directly undermine consumers protections and perpetuate the inclusion of inaccurate information on credit reports : I am deeply concerned that my dispute may be mishandled it in a similar manner.

Company response to consumer: Closed with explanation