vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
I am filing a complaint against Experian for allowing multiple unauthorized hard inquiries on my credit report, which I did not initiate or consent to. These appear to be the result of mistaken identity or potential identity theft, possibly linked to a recent national data breach. 

On XX/XX/XXXX, I reviewed my credit report and discovered the following hard inquiries from companies I have never applied to for credit : XXXX XXXX XXXX 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 I disputed these inquiries with Experian, stating clearly that I did not authorize them and suspect they were placed due to identity theft or in error. Despite this, Experian marked the inquiries as verified as accurate without providing any evidence or details regarding how that determination was made. 

This failure to conduct a proper investigation violates the Fair Credit Reporting Act ( FCRA ), which requires Experian to perform a reasonable reinvestigation upon receiving a dispute. I believe Experian did not fulfill this legal obligation.

These unauthorized inquiries are causing unjust damage to my credit score and have placed me at risk of further financial harm.

I am requesting the following corrective actions : 1. A thorough reinvestigation of the unauthorized hard inquiries listed above.

2. Immediate removal of any inquiries found to be fraudulent or placed in error.

3. A written confirmation of the results of the investigation and actions taken.

4. Additional security measures applied to my credit file to prevent further unauthorized access.

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 2025-06-20 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: NJ

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 30 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 non-monetary relief
Consumer complaint received 2025-06-20 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: NJ

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 30 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: LA

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX Address : XXXX XXXX XXXX, LA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LEXISNEXIS
State: MI

Complaint narrative:
I am requesting my consumer report from LexisNexis. I have previously requested my entire consumer file from LexisNexis and they responded that they will be mailing the report but I never received it. I have reason to believe LexisNexis is helping the consumer agencies report inaccurate information. My identification is also attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I was charged multiple times by the same merchant. Charges were not made by me. Ive talked to Apple Support and have not been favored to my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to dispute the accuracy and validity of multiple late payment entries being reported on my credit profile by all three major credit bureaus : Equifax, XXXX, and XXXX. These accountsreported by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX misleading, outdated, or unverifiable derogatory information that violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require consumer reporting agencies to maintain maximum possible accuracy and conduct reasonable reinvestigations upon dispute. 

The first item is a reported late payment on the account with XXXX XXXX XXXX, XXXX. - XXXX, dated XX/XX/year>. I have disputed this directly with the credit bureaus and have received no meaningful documentation from the furnisher to prove that this alleged delinquency occurred as reported. This failure to provide verification or any payment history to support the derogatory mark renders it unverifiable and in violation of the FCRA. 

The second disputed item is XXXX  XXXX XXXX - XXXX, dated XX/XX/year>. This account shows a derogatory late status that is not only inaccurate but was already disputed previously. The credit bureaus continue to report this despite my formal requests for documentation, which were never fulfilled. No billing statements, notices of default, or other primary source documentation were presentedjust boilerplate responses. That is not a reasonable investigation and does not meet the legal threshold under federal law. 

The third item involves a reported late payment on XXXX  XXXX XXXX - XXXX, dated XX/XX/year>, with a past due amount listed as {$0.00}. It is illogical and misleading for a credit bureau to report a late payment when the past due balance is XXXX. This inconsistency raises serious concerns about the accuracy and integrity of the reporting. A {$0.00} past due amount should not trigger a derogatory status, and any legitimate delinquency should be supported by clear documentation, which has not been provided. 

These inaccurate or unverifiable late payment entries are damaging my creditworthiness, inflating my risk profile, and affecting my access to fairly priced credit. Continued reporting of these unvalidated derogatory marks is negligent, misleading, and in violation of my federally protected rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Telephone Collection Account Pursuant to 15 U.S.C. 1681i & 1692g To Whom It May Concern, I am writing to formally dispute the telephone collection account associated with [ Original Creditor Name, XXXX XXXX XXXX ] , listed under account/reference number XXXXXXXX XXXX XXXX XXXX XXXX  and reported for the amount of {$1300.00} XXXX dispute the validity of this debt, and I am requesting full verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as well as the correction or deletion of any inaccurate reporting per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Grounds for Dispute ( select and customize as needed ) : I did not open or authorize this account it may be fraudulent.

Requested Actions : 1. Provide written validation of the debt, including : o A copy of the original service agreement. 
o A full billing history with dates and charges. 
o Proof that I am legally responsible for the debt.

2. Cease collection efforts until validation is provided.

3. If the debt can not be validated or is invalid, remove all negative entries from my credit report and notify any agencies where it was reported.

4. Provide a written response within 30 days of receipt of this letter.

If you continue collection without validation or fail to remove unverified information, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Communications Commission ( FCC ), and take legal action as permitted under 15 U.S.C. 1692k and 1681n. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-20 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: TN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorizationating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

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 2025-06-20 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: TN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorizationating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-20 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:
I am submitting this complaint to dispute the accuracy and validity of multiple late payment entries being reported on my credit profile by all three major credit bureaus : XXXX, XXXX, and TransUnion. These accountsreported by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXXcontain misleading, outdated, or unverifiable derogatory information that violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require consumer reporting agencies to maintain maximum possible accuracy and conduct reasonable reinvestigations upon dispute. 

The first item is a reported late payment on the account with XXXX  XXXX XXXX, XXXX. - XXXX, dated XX/XX/year>. I have disputed this directly with the credit bureaus and have received no meaningful documentation from the furnisher to prove that this alleged delinquency occurred as reported. This failure to provide verification or any payment history to support the derogatory mark renders it unverifiable and in violation of the FCRA. 

The second disputed item is XXXX  XXXX XXXX - XXXX, dated XX/XX/year>. This account shows a derogatory late status that is not only inaccurate but was already disputed previously. The credit bureaus continue to report this despite my formal requests for documentation, which were never fulfilled. No billing statements, notices of default, or other primary source documentation were presentedjust boilerplate responses. That is not a reasonable investigation and does not meet the legal threshold under federal law. 

The third item involves a reported late payment on XXXX XXXX XXXXXXXX - XXXX, dated XX/XX/year>, with a past due amount listed as {$0.00}. It is illogical and misleading for a credit bureau to report a late payment when the past due balance is XXXX. This inconsistency raises serious concerns about the accuracy and integrity of the reporting. A {$0.00} past due amount should not trigger a derogatory status, and any legitimate delinquency should be supported by clear documentation, which has not been provided. 

These inaccurate or unverifiable late payment entries are damaging my creditworthiness, inflating my risk profile, and affecting my access to fairly priced credit. Continued reporting of these unvalidated derogatory marks is negligent, misleading, and in violation of my federally protected rights.

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 2025-06-20 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: TX

Complaint narrative:
Despite numerous attempts to resolve the fraudulent inquiries on my consumer report, these unauthorized entries remain, despite having absolutely no connection to me. As a victim of identity theft, the presence of these false inquiries has caused significant mental anguish and financial hardship, preventing me from purchasing my dream home and properly providing for my family 's needs. The substantial impact on my financial wellbeing is documented in my previous correspondence with the Federal Trade Commission, which demonstrates the seriousness of this matter and my diligent efforts toward resolution.

Company response to consumer: Closed with non-monetary relief