vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of an inquiry reported on my Experian credit file. The inquiry is listed as follows : XXXX Dated XX/XX/year>

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing the accuracy and completeness of the following charged-off accounts and inquiries reported by Experian. I request that they be thoroughly investigated and corrected as necessary. 

Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$190.00} XXXX OF XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX OF XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$460.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3700.00} Inquiries : XXXX XXXX XXXX - Date Opened : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please consider this a formal request for your assistance in reviewing and removing these accounts. I did not open them, and they appear to be fraudulent. Relevant documents are attached.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: College Ave Student Loan Servicing, LLC
State: NC

Complaint narrative:
I would like college Avenue to honor the verbal agreement we entered into in XX/XX/2025. They told us to defer our loan for 6 months and then my son could qualify for the loan based on his income. We waited 6 months and now they say the program no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-11-10 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FORM 1099-C ( CANCELLATION OF DEBT ) XXXX Kariely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : Request for Form XXXX Charged-Off Account Dear Capital XXXX Customer Service, I am writing to XXXX XXXX a copy of Form XXXX ( Cancellation of Debt ) for my credit card account, which has been reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX Charged-Off Amount : {$630.00} Credit Limit : {$500.00} Highest Balance : {$630.00} Last XXXX Digits of XXXX : XXXX According to IRS regulations ( Section 6050P of the Internal XXXX Code ), financial institutions are required to issue Form XXXX if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations. 

If XXXX XXXX has not been issued, I kindly request a written confirmation explaining the reason. Additionally, I would appreciate clarification regarding any outstanding balance and whether any further action is required on my part. 

Please send the requested documentation to the address provided above at your earliest convenience. Should you require any additional information, you XXXX contact me at XXXX or XXXX. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX Signature : XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because inaccurate and unverifiable information continues to be reported on my credit reports with the XXXX major credit bureaus ( Equifax, Experian, and TransUnion ). Despite my previous efforts to resolve these issues directly with the credit bureaus, the disputed accounts remain. I am requesting the XXXX XXXX XXXX XXXX assistance to ensure these items are properly investigated, verified, or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : Bank XXXX XXXX Account # : XXXX Opened XX/XX/XXXX {$16000.00} Charged Off Bank XXXX XXXX Account # : XXXX Opened XX/XX/XXXX {$12000.00} Charged Off XXXX XXXXXXXX Account # : XXXX Opened XX/XX/XXXX {$3900.00} Charged Off Credit First Account # : XXXX Opened XX/XX/XXXX {$8600.00} Charged Off XXXX Card Services Account # : XXXX Opened XX/XX/XXXX {$17000.00} Charged Off These accounts include outdated and potentially unverifiable information. Please confirm the date of last payment or delinquency to ensure compliance with the FCRAs XXXX reporting limit. Any account that can not be fully verified should be deleted immediately. 

Disputed Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX Mortgage 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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
b"There are more than one dates for unpaid XXXX services for emergency room visits. I don't have the details with dates but one was in XXXX XXXX XXXX XXXX  Collection company is credit management company collecting debt for XXXX XXXX XXXX XXXX XXXX  I believe they have two dates of service they're calling about and also there is a company called r e c o v e r i the phone number is XXXX XXXX  collections agency for XXXX XXXX XXXX healthcare that account number is XXXX And I do not know the dates or the amount I'm sorry I have informed both companies they need to call the VA community Care billing office regarding the debt and discuss it with them That is what the VA has told me in the past to tell them I cannot discuss it with the VA because they're the ones wanting the payment and they said they refuse to call them that it's my duty to call them I told them that I gave all the information when I checked into the emergency room that I am a veteran and bills should be sent to the VA administration . They continue to text me and send me letters and I am not responsible for those bills I do not know if they have attempted to go through the VA for payment I think one gentleman at one point in time said that the VA denied the payment however I do not go to the emergency room unless it is an emergency I do not have transportation and I do not call the XXXX  I take an XXXX the emergency room is less than a XXXX XXXX XXXX from my home and is not close enough to go to the VA which is a XXXXXXXX XXXX one way. I know I have had a spider bites that have been really bad I have had two previous XXXX XXXX have had XXXX  going down my XXXX I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX up to a dangerous XXXX XXXX XXXX If the emergency room has coded these emergencies correctly they should very well be paid however all my emergency room visits should be paid on 100% XXXX better XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Outdated Account Reporting Account NameXXXX XXXX XXXX Account Number : XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy and legality of the information being reported on my Experian credit report regarding the above-referenced account. Specifically, this account is inaccurately showing a status update as of XX/XX/XXXX, when in fact the account was charged off and closed in XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), negative credit items such as charge-offs are only allowed to be reported for 7 years from the date of first delinquencywhich, based on the historical payment history, began in XXXX or earlier. The XXXX rule for negative credit items under the Fair Credit Reporting Act ( FCRA ) is primarily found in 15 U.S.C. 1681c. The recent updates showing activity in XXXX through XXXX appear to be a deliberate or negligent re-aging of the account, which is a violation of FCRA guidelines. 

Therefore I am Disputing These Points : Incorrect Status Update : The account shows a charge-off with a status updated date of XX/XX/XXXX, yet it was closed and charged off in XXXX. This creates a misleading and damaging impact on my credit report. 
Improper Re-Aging : Reporting payment history and updates through XXXX, well after the account was closed, appears to be a case of re-aging the debt. This is a serious compliance issue under the FCRA. 
Inaccurate XXXX XXXX : The account reflects a charged-off balance of {$640.00} on a credit limit of {$450.00}, and a high balance of {$730.00}, which suggests overcharges, excessive fees, or interest that XXXX be predatory or otherwise invalid after the charge-off date. 
XXXX XXXX XXXX : Given that the account was opened in XXXX, and the first delinquency clearly occurred no later than XXXX, the XXXX reporting window should close in XXXX. Extending this to XX/XX/XXXX, as currently reported, is unlawful unless substantiated with verified documentation.

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