vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 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: MD

Complaint narrative:
XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts.

Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-09 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: SC

Complaint narrative:
On my Experian I have XXXX  inquiries that I did not authorize for anybody to run my credit on my TransUnion I have XXXX inquiries on there that I did not authorize for anybody to run XXXX land I got a hold of my social and just ran my credit without my permission numerous times and the same thing happened to my Equifax credit report as well they got like XXXX or XXXX inquiries on that with nobody had my permission to run at all I set up the fraud notification so if somebody tried to run my credit they have to notify me and call me and it seems like nobody is notifying me or calling me at all

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 2025-04-09 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: SC

Complaint narrative:
On my Experian I have XXXX  inquiries that I did not authorize for anybody to run my credit on my TransUnion I have XXXX inquiries on there that I did not authorize for anybody to run XXXX land I got a hold of my social and just ran my credit without my permission numerous times and the same thing happened to my Equifax credit report as well they got like XXXX or XXXX inquiries on that with nobody had my permission to run at all I set up the fraud notification so if somebody tried to run my credit they have to notify me and call me and it seems like nobody is notifying me or calling me at all

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 2025-04-09 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: MA

Complaint narrative:
Good day! I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the tremendous anxiety and stress it's causing me. Thank you.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am filing a dispute against Caine & Weiner regarding an account they are reporting to the credit bureaus related to XXXX XXXX ( Creditor Code : XXXX XXXX XXXX XXXX XXXXXXXX ). This account is reported with a balance of {$500.00} and a status of Collection/Charge-off. 

I am disputing the validity of this debt and have submitted a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I requested the following : A full itemized breakdown of the amount claimed Copies of documents with my signature establishing a contractual obligation with Progressive Proof that Caine & Weiner is authorized to collect this debt I also requested that they cease all collection activity and reporting to the credit bureaus until validation is provided. This account is reported with potentially inaccurate information, including an incorrect balance, payment history, and date of last activity. These discrepancies are negatively impacting my credit. 

I am requesting the CFPB to investigate this matter and ensure that Caine & Weiner complies with the FDCPA and FCRA, including ceasing reporting of unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
FCRA violations Never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance Never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
FCRA violations Never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance Never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bayside Credit
State: CA

Complaint narrative:
I have an account that was charged off by the finance company on XX/XX/XXXX oXXXX XXXX. This was due to a voluntary repo. Since then they continually add to a balance and add negative remarks on my credit. I thought that once you've been charged off, that they can no longer do that. This is going on XXXX years at this point. They have now ballooned the amount I owe to nearly {$14000.00} and growing. The balance increases every month. I feel like this is illegal. The company name is bayside credit in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX account # XXXX This account does not show the maximum possible accurate information in my file according to FRCA 1681e ( b ). Please delete immediately according to FRCA rule 1681e ( b ). My identity theft report # XXXX. 

XXXX XXXX  account # XXXX This account does not show the maximum possible accurate information in my file according to FRCA 1681e ( b ). Please delete immediately according to FRCA 168 XXXX XXXX ( b ). My identity theft report # XXXX JPMC account # XXXX account does not show the maximum possible accurate information in my fi, r according to FRCA 1681e ( b ). Please delete immediately according to FRCA 181e ( b ). My identity theft report # XXXX XXXX XXXX  account # XXXX.This account does not show the maximum possible accurate information according to FRCA 1681e ( b ). Please delete immediately from my file according to FRCA 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payments by Navient Violations of XXXX XXXX XXXX and XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute XXXX late payments inaccurately reported by Navient on my XXXX credit report. These entries are erroneous and were made in direct violation of federal law, namely the Fair Debt Collection Practices Act ( XXXX  ) under XXXX XXXX XXXX, as well as House Joint Resolution XXXX of 1933 ( XXXX XXXX ). 

Under XXXX XXXX XXXX, a debt collector must communicate properly and fairly with a consumer. In this case, Navient failed to provide me with any written notice regarding these alleged late payments. I was never given an opportunity to validate or dispute the debt prior to the reporting, which is a clear breach of the statute. Furthermore, this inaccurate reporting resulted in a six-point drop on my credit scoreunfairly damaging my financial standing. 

Additionally, I invoke XXXX XXXX ( XXXX XXXX XXXX ), which abolished the gold standard and mandates that obligations must be XXXX in legal tender. As such, no lawful money or true consideration was ever loaned or exchanged in a way that justifies such aggressive reporting or penalization. Navient, nor any third-party, can legally enforce a claim absent full disclosure and lawful consideration. 

Pursuant to the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX XXXX, I am requesting that XXXX conduct a thorough investigation into this matter and remove the XXXX inaccurate late payments from my credit file. I have enclosed a copy of my credit report with the disputed items clearly highlighted. 

If Navient can not provide documented evidence that proper legal notice was sent and that these late payments are valid and lawfully substantiated, these entries must be deleted immediately in compliance with federal law. 

Please respond in writing within the XXXX window as required by law. If this matter is not resolved promptly and appropriately, I am prepared to escalate this issue with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX ), and other regulatory bodies.. And at no point in time was I ever provided the wet ink signature contract that I continually ask for. Because at no point in time did I ever contract with this third-party creditor and theyre sharing my information without my consent. I would like for them to provide me the original wet ink signature contract that I contracted with this company if not provided I want them to cancel out this debt in full if not provided. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payments by XXXX  Violations of XXXX XXXX XXXX and XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute XXXX late payments inaccurately reported by XXXX on my XXXX credit report. These entries are erroneous and were made in direct violation of federal law, namely the Fair Debt Collection Practices Act ( XXXX ) under XXXX XXXX XXXX, as well as House Joint Resolution XXXX of 1933 ( XXXX XXXX ). 

Under XXXX XXXX XXXX, a debt collector must communicate properly and fairly with a consumer. In this case, XXXX failed to provide me with any written notice regarding these alleged late payments. I was never given an opportunity to validate or dispute the debt prior to the reporting, which is a clear breach of the statute. Furthermore, this inaccurate reporting resulted in a six-point drop on my credit scoreunfairly damaging my financial standing. 

Additionally, I invoke XXXX XXXX ( XXXX XXXX XXXX ), which abolished the gold standard and mandates that obligations must be XXXX in legal tender. As such, no lawful money or true consideration was ever loaned or exchanged in a way that justifies such aggressive reporting or penalization. XXXX, nor any third-party, can legally enforce a claim absent full disclosure and lawful consideration. 

Pursuant to the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX XXXX, I am requesting that XXXX conduct a thorough investigation into this matter and remove the XXXX inaccurate late payments from my credit file. I have enclosed a copy of my credit report with the disputed items clearly highlighted. 

If XXXX can not provide documented evidence that proper legal notice was sent and that these late payments are valid and lawfully substantiated, these entries must be deleted immediately in compliance with federal law. 

Please respond in writing within the XXXX window as required by law. If this matter is not resolved promptly and appropriately, I am prepared to escalate this issue with the Consumer Financial Protection Bureau ( XXXX ), the Federal Trade Commission ( XXXX  ), and other regulatory bodies.. And at no point in time was I ever provided the wet ink signature contract that I continually ask for. Because at no point in time did I ever contract with this third-party creditor and theyre sharing my information without my consent. I would like for them to provide me the original wet ink signature contract that I contracted with this company if not provided I want them to cancel out this debt in full if not provided. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( XXXX  ) by XXXX or more major credit reporting agencies, specifically Equifax, Experian, and TransUnion. 

I have submitted disputes regarding negative items listed on my credit report that I believe to be inaccurate and/or unverifiable. Despite exercising my rights under FCRA XXXX and XXXX ( b ), the credit reporting agencies have failed to provide proper verification, such as original signed contracts or adequate reinvestigation results. 
This constitutes a failure to ensure the maximum possible accuracy of information being reported. 

Additionally, these same bureaus have experienced large-scale data breaches that XXXX have resulted in compromised consumer data. Given this, I have legitimate concerns that some items being reported XXXX be the result of identity compromise or fraud. 

Despite submitting disputes, I have not received documentation or sufficient justification for continued reporting of the negative items. Therefore, I believe these credit bureaus are in violation of FCRA and request that the Consumer Financial Protection Bureau investigate and intervene to ensure compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2025-04-09 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: MI

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( XXXX  ) by XXXX or more major credit reporting agencies, specifically Equifax, Experian, and TransUnion. 

I have submitted disputes regarding negative items listed on my credit report that I believe to be inaccurate and/or unverifiable. Despite exercising my rights under FCRA XXXX and XXXX ( b ), the credit reporting agencies have failed to provide proper verification, such as original signed contracts or adequate reinvestigation results. 
This constitutes a failure to ensure the maximum possible accuracy of information being reported. 

Additionally, these same bureaus have experienced large-scale data breaches that XXXX have resulted in compromised consumer data. Given this, I have legitimate concerns that some items being reported XXXX be the result of identity compromise or fraud. 

Despite submitting disputes, I have not received documentation or sufficient justification for continued reporting of the negative items. Therefore, I believe these credit bureaus are in violation of FCRA and request that the Consumer Financial Protection Bureau investigate and intervene to ensure compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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