vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I am filing this complaint against TransUnion, and Equifax for reporting inconsistent and inaccurate information about a charged-off credit card account, in clear violation of the Fair Credit Reporting Act ( FCRA ).

Violations by Credit Bureaus FCRA 607 ( b ) Both TransUnion and Equifax are violating FCRA 607 ( b ), which requires consumer reporting agencies to maintain " maximum possible accuracy. '' Allowing this contradictory information to appear on my credit reports for the same account proves that no reasonable procedures are in place to assure data consistency and accuracy.

Despite previously disputing this account, TransUnion and Equifax continues to report this inaccurate information.That is unacceptable and noncompliant with federal law. 
Date Opened : TransUnion XX/XX/XXXXXXXX XXXX Equifax XXXX  High Credit : TransUnion {$590.00} - Equifax {$480.00} Credit Limit : TransUnion {$400.00} - Equifax {$400.00} Past Due : TransUnion {$130.00} - Equifax {$130.00} Status : TransUnion Collection/Charged-Off - Equifax Collection/Charged-Off Date Last Active : TransUnion XX/XX/XXXX - Equifax XX/XX/XXXX Last Late Date : TransUnion XX/XX/XXXX XXXX Equifax XX/XX/XXXX Harm Ive Suffered : Significant drop in my credit score Denial of credit, including housing and financing opportunities Financial stress and emotional harm Reputational damage as a consumer due to false reporting Requested Relief : I am requesting the immediate and permanent deletion of this XXXX XXXX XXXX account from all credit reporting agencies due to : Violation of FCRA 607 ( b ) by TransUnion and Equifax ( failure to ensure maximum possible accuracy ) Ongoing reporting under an active fraud alert, in violation of FCRA 605A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unfortunately I have noticed some violations of my rights as a federally project consumer on my credit report and I would like them addressed immediately FTC retired 5 usc 522a STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX  These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

this information must be removed from consumer report immediately per 15 usc 1681 accuracy of reporting

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Unfortunately I have noticed some violations of my rights as a federally project consumer on my credit report and I would like them addressed immediately FTC retired 5 usc 522a STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX These accounts are infringing on my right to privacy granted to me by The Privacy Act of XXXX ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report. 
this information must be removed from consumer report immediately per 15 usc 1681 accuracy of reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account number XXXX Has violated my rights. I looked at my Experian report on XXXX XXXX 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 individual about whom the report relates according to 15 USC 1681 { e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generalf, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information, as appropriate based on the results of reinvestigation and promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person 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 2025-07-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2025-07-15 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct. 
XXXX, XXXX. XXXX XXXX LOCKHART, MORRIS & MONTGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation Account # XXXX To Whom this may concern I am writing in response to your [ letter/call/email ] dated [ insert date ] regarding the alleged debt referenced above. This is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to the FDCPA, I respectfully request the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, or other charges.

3. Proof that I am legally obligated to pay the debt.

4. A copy of the original contract or agreement bearing my signature, if applicable. 
5. Evidence that your agency is authorized to collect debts in [ XXXX, XXXX ], including your license or registration number if required. 
Please cease all collection activities, including reporting to credit bureaus, until this debt has been properly validated. If you are unable to provide the requested documentation, you must cease all collection efforts and remove any related entries from my credit reports. 
This is not a refusal to pay but a request for validation. Please respond in writing within 30 days. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Re : Acct XXXX XXXXXXXX To Whom It May Concern : This letter is regarding account XXXX XXXXXXXX which you claim I owe {$860.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, TransUnion and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX under the FDCPA and FCRA. On XX/XX/XXXX, they responded without providing any legally sufficient documentation to validate the alleged debt. They also claimed that they updated the account with the credit bureaus, but all three bureaus continue to report inconsistent and inaccurate data. 

Discrepancies in Credit Reporting 1. Date Opened XXXX XXXX  : XX/XX/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  - All bureaus report Charge-off/Collection despite balance showing {$0.00} 5. Comments 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 Requested Resolution - Provide full debt validation ( signed agreement, payment history, legal authority to report ). 

- If unable to validate, immediately delete the account from all credit bureaus. 

- Correct all inaccurate data and ensure consistency across XXXX XXXX XXXX XXXX 

Legal Violations Fair Credit Reporting Act ( FCRA ) : - 607 ( b ) : Failure to ensure maximum possible accuracy.

- 611 : Failure to properly investigate disputed information.

Fair Debt Collection Practices Act ( FDCPA ) : - Failure to provide debt validation upon request. 

- Continued collection/reporting activity without validation. 

A copy of this letter has been retained as evidence and is available upon request. 

Furthermore, the creditor ignored the multiple discrepancies across the credit reports from XXXX XXXX and XXXX and did not correct or update the reporting, despite claiming that they did. They then unilaterally marked the dispute as resolved without addressing the core issues raised. 

- Any documentation proving legal authority to report or collect on the account - A complete payment history - A copy of the original signed agreement Specifically, the response did not include any of the following : On XX/XX/XXXX, Bank of America responded with a generic letter stating that their reporting was accurate and that the account had been charged off as of XX/XX/XXXX. However, this letter failed to provide any form of proper debt validation as required by law. 

Additional Evidence : Creditors Inadequate Response

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief