vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-08-06 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: CT

Complaint narrative:
To Whom It May Concern, This letter is being submitted as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611, and you are hereby put on notice. I am demanding the immediate investigation and permanent removal of the following inaccurate and unverifiable accounts and inquiries from my credit profile.

The following accounts are being reported in violation of the FCRA : 1. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off This account shows a XXXX balance yet is still being reported as a charge-off, which is inaccurate and misleading. This violates FCRA accuracy standards and XXXX XXXX compliance guidelines. 



2. XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off Another XXXX-balance charge-off. If the debt has been resolved, this derogatory status must be removed. Continued reporting is unlawful. 



3. XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off This account is being reported without proper validation from the original creditor. Under FDCPA and FCRA, you are required to verify the legitimacy and accuracy of all reporting. 



4XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Status : Collections No original contract, no signed agreement, no itemized breakdown of the debt has ever been provided. This is a clear violation of the verification requirements under the FCRA. 



5. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$620.00} Status : Collections This alleged collection is unverified and possibly re-aged. Re-aging a debt is a direct violation of the FCRA and XXXX also trigger legal consequences. 



6. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Collections This collection is being reported without sufficient evidence that I owe this debt or that you are legally authorized to report it. The burden of proof is on the furnisher and the CRA. 


These inquiries were not authorized by me in writing as required by Section 604 of the FCRA. Reporting these without permissible purpose is illegal and must be rectified immediately. 


FINAL WARNING : You have 30 days to investigate and correct these entries. If not, I will take legal action and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office for failure to comply with the FCRA. 

I expect a response confirming deletion of the above-listed accounts and inquiries within 30 days. Failure to do so will result in further legal escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXTennessee XXXXExperian XXXX XXXX XXXX TX XXXXSubject: Follow-Up and Request for Update  Identity Theft Victim Request to\nBlock and Delete Fraudulent Accounts\n\nDear Experian Consumer Services,\n\nIm writing to follow up on the identity theft report I submitted regarding fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the Experian data breach, and unauthorized accounts have been\nfraudulently opened in my nameXXXXThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete\nthe fraudulent accounts from my credit file to prevent further harm to my credit\nprofile.\nFurthermore, I request written confirmation that these accounts have been\nremoved, as well as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request,\nplease contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-08-06 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:
in accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The account below have violated my right.

15 U.S.C 1681 section 602A States i have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information any another adverse item of my information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information inaccurate Delete the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: KS

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-06 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: AZ

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 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 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 2025-08-06 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Im trying to make a complaint about my transcript being held but i didnt see a spot for it. 

I have reached out to XXXX XXXX XXXX trying to get a transcript and i still havent gotten one, XXXX is denying me a transcript because my account is on hold due to non payment, i reached out about a way to pay it and i submitted my information for an appeal but the lady never submitted my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected. 
Disputed Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, and XX/XX/XXXX Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines. 
XXXX Grounds for Dispute : XXXX U.S.C. XXXX : Mandates a minimum XXXXday grace period before a payment can be reported as late. 
XXXX U.S.C. XXXX ( XXXX ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly. 
XXXX U.S.C. XXXX : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act. 
XXXX U.S.C. XXXX ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation. 
I have enclosed documentation that supports my position, including payment confirmations, statements, and correspondence. Pursuant to federal law, I request : XXXX. Immediate reinvestigation of the reported entries. 
XXXX. A written summary of the results. 
XXXX. An updated copy of my credit report reflecting any amendments made.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 explanation
Consumer complaint received 2025-08-06 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I applied for a loan from XXXX XXXX. Transunion says its XXXX. Then tells me its XXXX. Bank reruns the loan transunion again tells them XXXX. While still telling me XXXX. Called transunion. One didnt speak English, one hung up on me. Started a chat. Didnt get the information that would affect it my score to have the bank say transunion told us XXXX. While transunion tells me XXXX. Transunion asked what I thought it should be. XXXX  has it at XXXX. And transunion jerking me around and will not answer any question directly.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Theres a lot of data in my Credit profile and Im gon na upload a XXXX XXXX with my dispute letter to you guys. I dont know if you need my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Theres a lot of data in my Credit profile and Im gon na upload a XXXX XXXX with my dispute letter to you guys. I dont know if you need my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a credit card dispute with Bank of America for {$340.00} in unauthorized international roaming charges billed by XXXX XXXX. I specifically called XXXX  on XX/XX/year>2025 at XXXX XXXX  PDT to disable all international roaming. Despite this, charges continued to post after my request including for calls I did not authorize, XXXX calls over XXXX XXXX and failed call attempts that never connected. 

XXXX claims they sent a roaming warning XXXX, but it was only sent to the device user ( not the account holder or billing contact ). This violates 47 C.F.R. 64.2401 ( b ), which requires clear billing disclosures to the party financially responsible. 

XXXX calls should not have triggered $ XXXX/minute international voice charges, especially since XXXX XXXX confirmed they do not offer voice or data service in XXXX. These calls were made over XXXX not XXXX the carriers network. 

I was forced to suspend my line on XX/XX/XXXX to stop additional charges. I provided Bank of America with screenshots showing : The exact time I called to request roaming be disabled Billing timestamps for charges that occurred after my call XXXX call logs showing XXXX-XXXX  data usage Screenshots of failed calls that never connected Despite this, Bank of America denied my dispute ( Claim ID : XXXX ) claiming the charges " posted correctly. '' They ignored the timeline and failed to enforce protections under the Fair Credit Billing Act ( FCBA ). This is a breach of both their responsibilities and my rights as a cardholder. 

I also filed with the FCC ( Ticket # XXXX ) and submitted evidence there. The carriers position continues to avoid key 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 monetary relief