vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit file, I noticed the following hard inquiries that I did not authorize : XXXX XXXX Auto via Dealer - Inquiry date XXXX XXXX  XXXX  Inquired on - XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX/ XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit file, I noticed the following hard inquiries that I did not authorize : XXXX XXXX Auto via Dealer - Inquiry date XXXX XXXX  XXXX  Inquired on - XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX/ XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 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 2025-04-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I disputed a collection account in the amount of {$8800.00} reported by Portfolio Recovery Associates on or around XX/XX/XXXX. The account was originally opened in XX/XX/XXXX and is still being reported as active. I requested verification from the credit bureau, and they responded that the information had been " verified by the data furnisher. '' However, no documentation has been provided to confirm the validity of the debt, the identity of the original creditor, or a signed agreement linking me to the alleged account. 
As permitted under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I submitted a formal request for the method of verification, asking the credit bureau to explain how the information was verified and to provide the name of the person or entity they contacted, as well as the documents they reviewed.

To date, I have received no such documentation or explanation. The account remains on my credit report with the remark " Account previously in dispute Now resolved by data furnisher, '' yet there is no evidence that a reasonable investigation was conducted or that the information was properly verified. 

This continued reporting of an unverifiable account is damaging my credit and appears to violate the FCRA, which requires credit bureaus to conduct thorough investigations and remove inaccurate or unverified accounts. 

I am requesting that the account be deleted from all credit reports if it can not be verified with proper documentation and that the CFPB investigate this matter for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am a survivor of XXXX XXXX, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # B XXXX, Tn XXXX Subject : Formal Dispute Under FCRA Section 611 ( a ) ( 1 ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report. As a consumer, I am afforded specific rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ) and other consumer protection laws, and I expect those rights to be upheld.

Upon reviewing my credit report, I have identified erroneous information that requires immediate correction. The details of the disputed account are as follows : Under FCRA Section 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ), you are legally required to conduct a reasonable reinvestigation within 30 days of receiving this dispute. If the disputed information can not be verified, it must be deleted from my credit report without delay.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Any failure to do so constitutes a violation of federal law.

I also draw your attention to 15 U.S.C. 1681s-2, which mandates that furnishers of information must report accurately and must mark accounts as disputed within 30 days if a dispute is filed. The failure to comply with this obligation is a clear violation. 
Additionally, I am asserting my rights under 15 U.S.C. 1681b, which requires that any reporting of consumer information must be done with proper authorization. If this account or inquiry was reported without my written consent, it is considered an unlawful practice.

If this dispute involves identity theft, I invoke 15 U.S.C. 1681c-2, which entitles me to an immediate block of fraudulent information upon request.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA Section 807 ), false or misleading reporting is prohibited. If this account was furnished without proper validation, it is in direct violation of my rights. 
To support my claim, I have enclosed copies of relevant documents, including a copy of my credit report with the disputed item being located on page XXXX and a scan of my drivers license. 
I appreciate your prompt attention to this matter and look forward to your written response confirming the resolution of my dispute within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received notice that my Equifax credit score had dropped by XXXX points in a single month. I had not performed any hard inquiries in almost XXXX years, so I was confused as to why my score had taken such a hit. Upon investigation, I discovered that the Department of Education had reported XXXX missed payments between XXXX and XXXX of XXXX. This is inaccurate, as my account with the Department of Education has been closed since XXXX due to a default payment status. I applied for the XXXX XXXX XXXX in XX/XX/XXXX, and received the verification letter that my loans were no longer in default. Then, I enrolled in the XXXX XXXX XXXX to help manage my payments. During the legal battle with federal courts regarding XXXX, my loans were put into forbearance beginning in XXXX of XXXX, and that forbearance ended in XX/XX/XXXX. As of writing this, an in-school deferment has been applied to my loans. 
In the months of XXXX, XXXX, and XXXX of XXXX, I received XXXX separate payment statements for the amount of {$0.00}. I was confirmed on these statements to be enrolled in XXXX. Therefore, even if no payment was required, it should have been marked as paid. However, it should have been XXXX that reported these amounts as paid, not the Department of Education. 
It is also important to note that I have been making {$100.00} payments, and up to {$200.00} payments, every so often to help reduce my balance until I no longer qualify for forbearance or deferment. As of this time, I am directly toward off the principal balance, as the interest balance has been completely paid. Total amount paid without obligation is {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Capital One regarding the continued reporting of my account on my credit report, even though it has been marked as charged off. 

My account, was charged off as indicated on my credit report. However, despite this status, Capital One continues to report this account as delinquent, adversely affecting my credit score and financial standing.

According to the Fair Credit Reporting Act, once an account is charged off, it should not continue to report negatively as if it were still an open account in collection.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Capital One complies with fair credit reporting practices and removes any erroneous information from my credit report. 

Thank you for your attention to this serious issue. I appreciate your assistance in helping me resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is willfully reporting inaccurate and misleading information to TransUnion, Experian, and Equifax in violation of the Fair Credit Reporting Act ( FCRA ) and Furnisher Accuracy Guidelines. 

The account in question ( Account # : XXXX ) was an auto loan that was voluntarily surrendered. I have received an official letter directly from XXXX XXXX XXXX stating that the account is closed and paid. 

Despite this, they are still reporting a past due balance of {$4800.00}, as well as a derogatory payment status ( voluntary XXXX days late ) on all three credit bureaus. 

I have already submitted multiple certified mail disputes to the credit bureaus attaching the letter showing the account is resolved and yet the negative tradeline remains and is being updated monthly, further harming my credit profile. 

I believe this is a willful violation of FCRA Sections 623 and 607, and it is causing me significant hardship. The inaccurate reporting directly contradicts the creditors own documentation and fails to meet the obligation to report accurate and complete 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 2025-04-16 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: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. Not only are they in violation of my FCRA rights, they are erroneously reported. XXXX XXXX XXXX XXXX XXXX this collection was already DELETED and reappeared. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX this account was added during Covid, and under 15 US CODE 1681 ( s ) -2 Subsection XXXX, IT STATES ANY PAYMENTS DURING XXXX ARE REQUIRED TO BE DEFERRED OR FORGIVEN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 US Code 1681 ( 4 ) states UNDER THE LAW, I have a right to privacy and if I consider payments to be private information, THEY MUST BE DELETED BY LAW. 
15 US Code 1681 ( a ) states any transactions between you and the creditors are REQUIRED to be EXCLUDED from your credit report. 
Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages. 

Kindly, DELETE the above collection accounts above mentioned as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting on my credit and I would like it DELETED as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should be the Only Address on my reports.

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 2025-04-16 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: OH

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 non-monetary relief
Consumer complaint received 2025-04-16 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: OH

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 non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX  XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-16 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief