vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 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. I don't have a purchase agreement with you. I have not given you a written consent to document or save my information in your database system. Please provide me the purchase agreement between me and your company. Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. If you do not have one, IT IS AGAINST THE LAW!

Documents requested : 1. Purchase agreement 2. Chain of Assignment 3. Forward Flow Agreement 4. Assignment Contract Accounts Disputed : XXXX 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 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 XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX. Please provide my signed letter from the third-party company or companies who your company or affiliates, and representatives use to validate my information for your investigation ( s ), database, furnishing, inputting, storing, or for sharing to buy or sell without my permission. Please provide an updated copy of my credit report. 


Please remove my information immediately and do not report personal or inaccurate information to the credit bureaus. Your company has violated my privacy, and I will sue your company for breaking the law. Please provide me an updated credit report reflecting the accounts and inquiries removed. 



This letter will be kept for possible court evidence if noted accounts are not removed and information provided by LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$370.00} XXXX XXXX XXXXXXXX BALANCED {$360.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$6000.00} XXXX XXXXXXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$410.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$590.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
I am filing a complaint about multiple inaccurate, unverifiable, and outdated accounts listed on my credit report. 

XXXX. XXXX Account is closed but still shows XXXX days late. The reported balance appears active without validation or updated account activity. 

XXXX. XXXX XXXX XXXX XXXX as a collection or charge-off, but with no payment history or accurate account details. Different bureaus show inconsistent reporting. 

XXXX. XXXX XXXX XXXX - XXXX charge-off from XXXX that was closed in XXXX but is still being reported. I already disputed this account, yet it was not corrected or removed. 

I sent formal dispute letters to Experian, TransUnion, and Equifax. 
I also submitted a report to the FTC. These accounts violate FCRA 605 and 611 due to their obsolete, unverifiable, and inaccurate status. 
I'm asking the CFPB to ensure they are fully investigated and deleted if not validated.

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 2025-08-05 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: FL

Complaint narrative:
I am filing a formal complaint against Experian for continuing to report inaccurate and unverifiable negative information from a federal student loan serviced by XXXX. 

I have disputed the account multiple times, requesting proper verification, including : The original signed Master Promissory Note Full forbearance and deferment history A complete payment ledger Chain of servicing or assignment Legal authority to furnish data XXXX has failed to provide this documentation, yet the account continues to be updated and verified as accurate. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) which require the information to be accurate, verifiable, and not misleading. 

The continued reporting of this unverifiable account is : Damaging my credit score and financial credibility Preventing me from accessing housing, credit, and other essentials Being done without XXXX meeting their burden of proof Dept. of EdXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dept. of Ed/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  These accounts were previously disputed Reported Status : 90+ Days Late / Delinquent Reporting Issue : Inaccurate Late Payment History bcz This account reflects delinquency and late payments that I believe are being falsely and unfairly reported, as the alleged delinquency occurred before a forbearance was applied. I have requested verification from XXXX directly, including : Original signed Master Promissory Note Complete payment and forbearance history Chain of servicing transfer Detailed accounting ledger To date, they have failed to provide these documents. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, I am requesting that you : 1. Conduct a reasonable reinvestigation of the disputed information. 
2. Request verification from XXXX. 
3. Remove this account if XXXX can not provide proper documentation within 30 days. 
4. Send me an updated credit report reflecting the changes. 

Please find attached a copy of my : Photo ID Proof of address ( utility bill or bank statement ) Screenshot or credit report highlighting the disputed entry I appreciate your prompt attention to this matter. Please notify me in writing of the results of your investigation. 

I am requesting the CFPB investigate Experian for failure to properly investigate my disputes and for continuing to report data that the furnisher can not verify with documentation. 

If XXXX can not fully validate the debt, the account must be removed from my credit report immediately.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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.

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 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 seven years.

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.

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 2025-08-05 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: EQUIFAX, INC.
State: CA

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.

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 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information related to billing and reporting errors currently reflected on my credit report. These inaccuracies are having a harmful impact on my credit standing and appear to be in violation of the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), which mandates that creditors must report payments and credits accurately and in a timely manner.

The issues I am disputing include : Payments I made that were not properly recorded or credited Clear calculation errors in the reported account balances Failure to provide the required 21-day notice before payment due dates, rendering any associated late payment marks invalid

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 2025-08-05 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: FL

Complaint narrative:
Specific Metro 2 Format Violations : Conflicting Pay Status on Closed/Collection Account The account is listed as Pay Status : >Collection< yet also appears under a format that implies ongoing obligation despite being placed in collections. This creates conflicting data. Violation : Metro 2 Field 17 ( Account Status ) & Field 17A ( Payment Rating ) No Disclosure of Debt Sale or Chain of Assignment There is no indication of whether this debt was purchased, assigned, or still owned by the original creditor ( XXXX ). This violates Metro 2 requirements and FCRA 609 ( a ) ( 1 ). Violation : Metro 2 Field 18 ( Special Comment Code 88 or 93 ) Violation : Metro 2 Field 11 ( Creditor Classification Code ) Address on File Is Not Associated With Me The business address listed by XXXX XXXX XXXX is not an address I have ever resided at or used in any financial agreement. Violation : Metro 2 Field 5 ( Address ), Field 69 ( City, State, ZIP ) FCRA 607 ( b ) : Reasonable procedures must be followed to ensure maximum possible accuracy Reporting Past Due on a Collection Account Reporting a Past Due amount of {$1100.00} on a collection account is not appropriate because the account has already been charged off and sent to a collection status. This misrepresents the current nature of the obligation. Violation : Metro 2 Field 22 ( Past Due Amount ) FCRA 623 ( a ) ( 1 ) ( A ) prohibition of inaccurate or misleading data Dispute Mark ( XB or equivalent ) Present Without Resolution The file is marked Account information disputed by consumer ( FCRA ) but no resolution or correction has been made. This violates reinvestigation requirements. Violation : Metro 2 Field 112 ( Compliance Condition Code = XB ) FCRA 611 ( a ) ( XXXX ) ( A ) : Requires reinvestigation within 30 days

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
In XX/XX/XXXX, I switched from XXXXXXXX XXXX XXXX XXXX XXXX under a promotion that promised up to {$800.00} per line to cover my final bill. I submitted my final XXXX XXXX twice to XXXX XXXX XXXX, but the balance was never paid, and the account was transferred to Transworld Systems for collections. 

The original balance reported was {$410.00}. When I contacted Transworld, the first representative I spoke to confirmed a settlement offer of {$360.00}. However, the full balance increased to {$460.00} without any explanation or notice. 

I went in person to XXXX and spoke with a rep named XXXX, who seemed unable to assist. He escalated me to another employee who mischaracterized my statements, insisting that I was " disputing the debt '' when I clearly said I was willing to pay it in full if XXXX would confirm in writing that the negative mark would be removed. She refused to provide any such documentation and ended the conversation without resolution. 

I then made two phone calls to Transworld Systems. The first woman I spoke to was aggressive, refused to discuss anything beyond taking payment, and would not confirm ownership or reporting status. On a second call, I spoke with XXXX XXXX, who clearly stated that XXXX still owns the account, and Transworld is only collecting. I was told that I will only be routed to Transworld any time I try to speak to XXXX, but again, neither XXXX nor Transworld would provide written confirmation that payingeither in full or via settlementwould result in deletion of the derogatory mark from my credit report. 

I am not disputing that a balance exists. I am asking for the opportunity to resolve it without irreversibly damaging my credit history. Since my XXXX XXXX XXXX discharge in XXXX, I have not had a single missed payment and built my credit score above XXXX. This single derogatory markon an account I was actively trying to resolve in good faithhas caused a XXXX drop and derailed years of disciplined progress. 

I am still willing to pay the full {$460.00} if XXXX agrees in writing to a pay-for-delete resolution. I am requesting the CFPB 's assistance to help ensure fair and transparent handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
XXXXI am filing a formal complaint i request to blocking of fraudulent information on my credit report that is the result of identity theft. This request is being made in accordance with Section 605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2).\nI have recently discovered unauthorized accounts and/or inquiries listed on my credit report that I did not open or authorize. These accounts and/or inquiries are the result of identity theft, which I have documented and reported to the appropriate authoritiesXXXXIn support of this request, I have enclosed the following as required under FCRA  605B:\nFraudulent AccountsXXXX 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I noticed inquiries that I do not recognized on my credit report that I recently pulled. Please see my attached Identity Theft Report and the list of those Inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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