vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
All three credit bureausXXXX, Equifax, and XXXXare currently reporting late payment notations for two accounts that I dispute as inaccurate and unverifiable. The first is an account from XXXX with an account ending in XXXX XXXX XXXX XXXX XXXX reflecting a late payment dated XX/XX/XXXX. The second is an account from XXXX with an account ending in XXXXXXXX XXXX XXXX XXXX XXXX, reporting a delinquency dated XX/XX/XXXX. Both accounts show a past due balance of {$0.00} or provide no clear current delinquency, raising serious questions about the accuracy and legitimacy of the reported derogatory marks. 

These discrepancies directly violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a timely and thorough reinvestigation when a consumer disputes the accuracy of any item. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) requires deletion or correction of any information that is found to be inaccurate or can not be verified. Reporting a late payment while simultaneously indicating a {$0.00} past due balanceor failing to provide clarity regarding the statuscreates confusion, misleads potential creditors, and unfairly damages my credit standing. 

I have not been provided with any original account records or supporting documentation that clearly explains how these delinquencies were verified and why they remain despite the absence of any outstanding past due balances. Given the broader context of increasing data breaches, it's entirely reasonable to question whether the integrity of my credit file has been compromised due to erroneous third-party reporting or systemic data handling failures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-10 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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I cant express enough how frustrating and exhausting this situation has become. Out of nowhere, Im being held responsible for a debt I know nothing aboutunverified, unfamiliar, and clearly not mine. Since then, Ive been harassed nonstop through calls, emails, and other tactics, even threatened with legal action over something I had no part in. As a law-abiding consumer, this is insulting and a direct violation of my rights. The stress has affected my mental health and cost me several nights of sleep. Ive had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: DISCOVER BANK
State: IL

Complaint narrative:
Thank you for your response. However, I must reiterate that if you have canceled, discharged, or forgiven the debt, you are legally required to issue a Form 1099-C under Internal Revenue Code 6050P and related IRS guidelines .

As per IRS Publication 4681 and the Instructions for Form 1099-C, a creditor must file a 1099-C when an identifiable event occurs such as a discharge of indebtedness, a decision to cease collection activity, or the expiration of the statute of limitations on collection. This is not a matter of discretion ; once an applicable event has occurred, the form must be issued to both the IRS and the debtor.

You can not retroactively change your reporting obligations or recharacterize the nature of the debt relief after the fact. If you have canceled or otherwise discharged the debt and do not issue the required 1099-C, you may be in violation of federal tax reporting requirements.

If you believe a 1099-C is not required in this case, I request that you provide a detailed explanation, citing the specific IRS exemption or guideline you are relying on. Otherwise, I reserve the right to file a formal complaint with both the IRS and the Consumer Financial Protection Bureau for failure to comply with applicable federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it.

15 USC 1681 Section 602 States as followed : I have the right to privacy.

15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose.

15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it.

15 USC 1681 Section 602 States as followed : I have the right to privacy.

15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 


15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I am submitting this complaint regarding a XXXX late payment reported by XXXX on XXXX federal student loan account. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, since XXXX. My loans were placed in administrative forbearance under the XXXX relief program, which I understood to remain in effect until further notice. 

Loan repayments resumed in XX/XX/XXXX. However, due to my international location, I did not receive effective notice of the resumption of payments. XXXX failed to provide adequate or reliable communication channels that could reach me while XXXX  ( such as email or secure message center notices ). As a result, I was unaware that payments had restarted and was unable to take action before a XXXX delinquency was reported. 

As soon as I became aware of the situation, I took immediate steps to bring my account current. I take my student loan responsibilities seriously and have always made good faith efforts to stay compliant with my obligations. This delinquency was not a result of willful neglect but a communication breakdown linked to my status as a XXXXXXXX XXXX XXXX XXXX 

I have already contacted XXXX to request a goodwill adjustment and explained my situation, but I have not received a resolution. I am now seeking CFPBs assistance in resolving this matter. I am requesting that XXXX remove or reverse the XXXX late payment from my credit report on the basis of good faith and reasonable cause under the circumstances. 

I have uploaded proof of my residency abroad as well as the copy of the XXXX statements showing the address they were sent to which prooves I was not notified of the situation and it supports my claim. Please let me know if additional information is needed.

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 2025-06-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding a XXXX late payment reported by XXXX on XXXX federal student loan account. I have been XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, since XXXX. My loans were placed in administrative forbearance under the XXXX relief program, which I understood to remain in effect until further notice. 

Loan repayments resumed in XX/XX/XXXX. However, due to my international location, I did not receive effective notice of the resumption of payments. XXXX failed to provide adequate or reliable communication channels that could reach me while abroad ( such as email or secure message center notices ). As a result, I was unaware that payments had restarted and was unable to take action before a XXXX delinquency was reported. 

As soon as I became aware of the situation, I took immediate steps to bring my account current. I take my student loan responsibilities seriously and have always made good faith efforts to stay compliant with my obligations. This delinquency was not a result of willful neglect but a communication breakdown linked to my status as a XXXX XXXX XXXX XXXX 

I have already contacted XXXX to request a goodwill adjustment and explained my situation, but I have not received a resolution. I am now seeking CFPBs assistance in resolving this matter. I am requesting that XXXX remove or reverse the XXXX late payment from my credit report on the basis of good faith and reasonable cause under the circumstances. 

I have uploaded proof of my residency abroad as well as the copy of the XXXX statements showing the address they were sent to which prooves I was not notified of the situation and it supports my claim. Please let me know if additional information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding a XXXX late payment reported by XXXX on XXXX federal student loan account. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, since XXXX. My loans were placed in administrative forbearance under the XXXX relief program, which I understood to remain in effect until further notice. 

Loan repayments resumed in XX/XX/XXXX. However, due to my XXXX  location, I did not receive effective notice of the resumption of payments. XXXX failed to provide adequate or reliable communication channels that could reach me while abroad ( such as email or secure message center notices ). As a result, I was unaware that payments had restarted and was unable to take action before a XXXX delinquency was reported. 

As soon as I became aware of the situation, I took immediate steps to bring my account current. I take my student loan responsibilities seriously and have always made good faith efforts to stay compliant with my obligations. This delinquency was not a result of willful neglect but a communication breakdown linked to my status as a XXXXXXXX XXXX XXXX XXXX 

I have already contacted XXXX to request a goodwill adjustment and explained my situation, but I have not received a resolution. I am now seeking CFPBs assistance in resolving this matter. I am requesting that XXXX remove or reverse the XXXX late payment from my credit report on the basis of good faith and reasonable cause under the circumstances. 

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX statements showing the address they were sent to which prooves I was not notified of the situation and it supports my claim. Please let me know if additional information is needed.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: MD

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