vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: IL

Complaint narrative:
Tek-Collect Inc. showed up on my credit report. When I called to inquire about the negative mark on the report, they said it was from XXXX XXXX XXXX, and I owed {$1500.00}. 

I explained that I had reached out to them on multiple occasions because they never sent my aligners or permanent retainers, and I was unable to complete the treatments. I explained that I was on hold for 40+ minutes on some of the phone calls hoping to speak to someone. This was back in XXXX, and now they are showing on my credit report this year, XXXX. 

How can I navigate this?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-25 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:
Ive got rid of this in XXXX. Im not sure why it continues to show up each year. Its affecting my credit score, preventing me from credit cards, loans etc. The law XXXX XXXX. XXXX needs to be implemented.

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 2025-06-25 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-25 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: MA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
This is not my place I have never lived here Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: WI

Complaint narrative:
I am filing this complaint against Experian and Transunion for a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

On or around XX/XX/year>, two negative accounts were removed from my Experian credit report as a result of a dispute : XXXX XXXX XXXX XXXX XXXX These accounts were previously deleted, indicating either Experian and Transunion could not verify them or they were found to be inaccurate. However, in XX/XX/year>, these same accounts were reinserted into my credit file without providing the legally required written notice within five ( 5 ) business days, as required under FCRA 611 ( a ) ( 5 ) ( B ).

This law requires that when an item is reinserted into a consumers report : The consumer must be notified in writing within 5 business days, The notice must include the name and contact information of the data furnisher who reinserted the item. 



Experian and Transunion failed to notify me, and I was not given any information about the source or reason for the reinsertion. This caused harm to my credit standing and financial well-being, and it represents a blatant violation of federal consumer protection law. 



I am requesting : An immediate investigation into Experians and Transunion 's handling of these reinsertion events, Removal of both the Santander and Capital XXXX entries until proper reinsertion protocol is followed, Confirmation that Experian will comply with FCRA reinsertion requirements going forward. 


Thank you for your time and for protecting consumers like myself from unlawful credit reporting practices. 



Sincerely, 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 2025-06-25 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 recently looked at my Experian report and noticed that there were fraudulent accounts, names, addresses and phone numbers on my credit report. I have attached a copy of my FTC Identity Theft Report and supporting documents to this complaint.

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 2025-06-25 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: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
XXXX has turned a blind eye to blatant FCRA violations for nearly a year. I have disputed the XXXX XXXX XXXX tradeline five separate times since XX/XX/year>. Each time, XXXX  removes it, then quietly re-inserts the same bogus accountno certification, no notice, no explanationsquarely breaking FCRA 611 ( a ) ( 5 ) ( B ). I have demanded a detailed reinvestigation, the bill of sale, itemized accounting, and proof of any verification. XXXX  has produced NOTHING. Instead, it keeps parroting verified while letting a debt buyer rotate fake balances, false open dates, and invented payment history on my file. 

This negligence has tanked my credit score, blown up a pending mortgage approval, and forced me to escalate. I have now filed complaints with the Texas OCCC, Texas Attorney General, FTC, XXXX  and CFPB ( 25+ prior cases ) and enlisted Congressman XXXX XXXX XXXX, which is forwarding this matter to federal oversight. I am done asking nicely.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
There are several closed accounts on my credit report that is bringing my score down that I have no regulation of which I reported but got sent to a third-party app.

Under 15 USC 1692c, violated my rights by unlawful communications. Thus collection is invalid. Please remove for my credit report or I will have to pursue legal remedies available.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I enrolled in the Apple Card COVID-19 Customer Assistance Program ( CAP ) after speaking with an Apple Card support representative. The rep told me the CAP allowed me to skip that months payment without negative credit reporting. Apple and Goldman Sachs had publicly advertised this relief since XX/XX/XXXX and were still directing customers to it in XX/XX/XXXX on a rolling month by month basis. 

Trusting that information, I deferred the XXXX 30 day late payment in question. Although I complied with the program terms, Goldman Sachs reported my account as 30 days late to all three credit bureaus. This contradicts the CARES Act 4021, which requires furnishers to keep an account current when a COVID accommodation is granted and the consumer meets the terms. 

Furnishing inaccurate data violates FCRA 1681s-2 ( a ), and failing to correct it after a dispute violates 1681i ( a ).

The late mark is now blocking me from securing favorable terms for my first-time home purchase through the NACA mortgage program I disputed the error directly with Goldman Sachs on a few occansions with no resolution. The bank refused to correct it and provided no evidence that I was ineligible for CAP or conducted a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate reporting of late payments on a closed account listed on my credit reports. The account in question is : Creditor Name : XXXXXXXX XXXX XXXX  Account Type : Auto Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Status : Closed / Charged-Off This account has been marked as closed/charged off as of XX/XX/XXXX, yet it continues to reflect late payment activity on my credit report following the closure date. According to the Fair Credit Reporting Act ( FCRA ), once an account is closed or charged off, no further payment activity should be reported unless payments are actually being made or the account is being actively collected under a payment agreement. 

The continued reporting of new or recent late payments after the closure/charge-off date is inaccurate, misleading, and unfairly damaging my credit profile. This constitutes a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide information that is complete and accurate. 

What I Am Requesting : That XXXX XXXX XXXX XXXX and all three credit bureaus ( TransUnion, Experian, Equifax ) immediately cease reporting any late payments after the date the account was officially closed or charged off. 
That the inaccurate payment history be corrected or removed to reflect the proper final status of the account. 
If the furnisher can not substantiate the legitimacy of the reported late payments post-closure, I request the removal of the account in full from all three credit reports. 
I have attached screenshots/documentation of the account as reported by the credit bureaus showing late payments listed beyond the account closure date. 

This false information is damaging my credit and affecting my ability to obtain fair lending and financial opportunities. I respectfully ask for the CFPBs assistance in holding the data furnisher accountable and ensuring accurate credit reporting as required by law. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report is outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> at XXXX I went to the XXXX XXXX ATM in XXXX Ohio XXXX I tried to pull {$100.00} out of my cash app account debit card which the atm charged {$4.00} and then {$2.00} from cash app. The ATM did not give me my cash so I went directly into the bank. They indicated that the ATM company called to tell them that the money wasnt distributed and that they had gotten something in their computer system showing it yet they refused to share that with me so I could get my money back. The money wasnt distributed to me yet it had been taken out of my cash app account. Therefore my daughter who needed to see a doctor for a very serious matter I couldnt access funds as the bank refused to help me in any way. They told me theres nothing they could do, they were not willing to talk with cash app they wouldnt give me the number to contact the ATM people they would not give me the proof where the atm people called them or that they sent them something on the computer so I could prove this. They were no help to me at all and I still didnt get the money. I had to come home research and trying to find who I contact as I still have gotten no help from the situation. They were rude and didnt care to help at all which is completely unacceptable. They said they couldnt access the atm or anything to help me in any possible way. My family isnt rich so XXXX is a lot of money to lose and we need immediate help to figure this out plus this needs fixed so no one else ever has to go through this because families cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 am filing a complaint to formally dispute certain information on my credit report. I have reviewed my credit file and Found the following items to be inaccurate and/or unverifiable. 
Item Being Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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