vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or XXXX forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off. 

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data. 

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or XXXX forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off. 

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of XXXX, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data. 

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

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 2025-04-24 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: MS

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting 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 2025-04-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: TN

Complaint narrative:
I have completed several paid surveys on the Dave Banking app. I know the difference between not being eligible or selected to complete the survey and actually being transferred through the entire process. When not selected, Dave offers {$0.00}. I most recently went through a 40 minute survey, with a confirmation of completion from the third party, only to get the sorry this survey wasnt right for you message, along with XXXX XXXX compensation. The company refuses to acknowledge any technical issues and refuses to look back at all other surveys completed that I have complained about and were ignored. I requested a simple {$5.00} return for all failed surveys that I have COMPLETED over a course of a few years through the end. This is much too low of a compensation, yet they refuse to give me more than a scripted answer about how their system determined I wasnt right for the survey WHEN I SPENT way more time than when it simply asks general questions to see if youre right for the survey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CO

Complaint narrative:
I would like to dispute my student loans seeing how Elon Musk has/had accessed the Department of Education without my consent. Because, he had access to my information that is a breach of our confidentiality. Due to the The Family Educational Rights and Privacy Act, FERPA, and HIPPA protects the confidentiality of student records. This breach is a clear violation of above mentioned privacy acts and your responsibility to safeguard my information.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: NY

Complaint narrative:
I just submitted a complaint previously to Ed Financial Services, and received a response letter that was not directed to me. The name listed on the complaint submission letter from Ed Financial was addressed to a " XXXX XXXX XXXX '' and that is not my name nor my identity, or account information. Please address this issue as soon as possible as this has not addressed my initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-24 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: NC

Complaint narrative:
To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to Experian, Equifax, TransUnion. The letter was sent in reference to the following accounts TRANSUNION AND EQUIFAX ARE REPORTING : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX - XXXX Account XXXX Noted. EXPERIAN is reporting the fraudulent account for XXXX. XXXX XXXX XXXX Account XXXX : XXXX. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EXPERIAN, EQUIFAX, TRANSUNION has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.EQUIFAX, TRANSUNION, EXPERIAN have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that Equifax has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you Experian is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 2025-04-24 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 2025-04-24 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:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-24 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:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 


CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$280.00} XXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4800.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2300.00} Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$6800.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date openedXXXX Balance {$1100.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$3100.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$5400.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Lease Date opened XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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