vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am a RETIRED XXXX XXXX  that was impacted by Equifax Data Breach and also XXXX XXXX. My NAME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Equifax Inc ( Equifax ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNT AND INFORMATION Despite my previous disputes, Equifax continues to report the following inaccurate information on my consumer credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Equifax : FRAUDULENT ACCOUNT INFORMATION 1 ) ACCOUNT XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. {$14000.00} XXXX ) XXXX XXXX Account XXXX. A XXXX XXXX : XXXX XXXX. {$12000.00} XXXX ) DEPT OF ED/XXXX/ Account No. XXXX XXXX : XXXX XXXX. {$8900.00} XXXX ) DEPT OF EDXXXX Account No. XXXX XXXX : XXXX XXXX. {$8500.00} XXXX ) DEPT OF EDXXXX Account No. XXXX XXXX : XXXX XXXX. {$8500.00} XXXX ) XXXX XXXX Account XXXX. XXXX XXXX : XXXX XXXX. {$8300.00} XXXX ) DEPT OF ED/XXXX/ Account No. XXXX XXXX XXXX : XXXX XXXX. {$5200.00} XXXX ) DEPT OF EDXXXX Account No. XXXX XXXX : XXXX XXXX. {$4700.00} XXXX ) DEPT OF EDXXXX Account No. XXXX XXXX : XXXX XXXX. {$4700.00} Despite my reasonable investigation requests, Equifax has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Equifax violates VIOLATION : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Equifax dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
Called XXXX several times because incorrect approval date for TPD forgiven loans. 

Called XXXX asking to be removed from incorrect 3 year loan review process for VA XXXX approval. 

Also called XXXX and XX/XX/year> and escalated to XXXX. Requested to remove/correct the XXXX and XX/XX/year> defaults listed on account when it was incorrectly removed from deferrence/forbearance. XXXX stated he saw the notes advising I was unemployed and requested to extend deferrence/forbearance but it was never processed. Account was reported as late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Adult daughter applied for a student loan a long time ago. ( There is no way to apply for a student loan without some responsible adult co-signing. ) Adult daughter is behind in her payments. She is XXXX She no longer lives in the United States. She is her own woman in the world. Outstanding balance is {$7800.00}. 

I am a XXXX  citizen. I can not pay this loan, even if I wanted to. Because of her arrearages, I can not get a loan, buy a car, or actually do anything. This despite the fact that I pay all my bills on time, I have never discharged a loan in bankruptcy or defaulted on any loan at any time, or entered into a discharge arrangement with credit cards. ( I was raised to pay what one owes. ) When does this stop? When will the power of the FICO score and the agencies be broken, which serves nothing more than keeping people like myself perpetually down? They don't serve us ; they serve the banking institutions.

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 2025-11-01 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: NC

Complaint narrative:
Adult daughter applied for a student loan a long time ago. ( There is no way to apply for a student loan without some responsible adult co-signing. ) Adult daughter is behind in her payments. She is XXXX She no longer lives in the United States. She is her own woman in the world. Outstanding balance is {$7800.00}. 

I am a XXXX  citizen. I can not pay this loan, even if I wanted to. Because of her arrearages, I can not get a loan, buy a car, or actually do anything. This despite the fact that I pay all my bills on time, I have never discharged a loan in bankruptcy or defaulted on any loan at any time, or entered into a discharge arrangement with credit cards. ( I was raised to pay what one owes. ) When does this stop? When will the power of the FICO score and the agencies be broken, which serves nothing more than keeping people like myself perpetually down? They don't serve us ; they serve the banking institutions.

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 2025-11-01 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: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
The Department of education fabricated a new but false student loan using information from a previous student loan. The previous loan was was at a XXXX balance paid as agreed. The Department of education used my info with out my knowledge or permission thus reporting the false student loan as missing payments and at a wage earner payment plan. This is Financial abuse and fraud against me.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Account number : DEPT OF EDUCATION/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 2025-11-01 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-01 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was the victim of a XXXX where the culprits presented themselves as being from USBank and that my debit cards had been compromise. They first sent me a text message about a fraud purchase using XXXX of my debit cards. They then followed it with a standard verification text message to verify that this was legitimate. USBank had sent me messages previously about questionable purchases so it seemed exactly what I had come to expect. Being a senior citizen and not being as fluent in how debit cards worked, they requested I cut my cards up and putting them out so a currier could pick them up to discover how the fraud was being done. The scammers also said that my account would be locked and I would not be able to access it. I did go out online to access by account and it was indeed locked. The woman who originally called, continued to call me with " updates '' on how the investigation was going. I fell for it. I did not provide any information about the cards, pin numbers or anything else. 

My issue is the way USBank and XXXX handled the situation. Because I put the cards out under the mat, they use that as a pretext that I authorized the scammers to use the cards. Thereby, I was responsible for the charges and the purchases on the cards. The scammers stole XXXX XXXX dollars from my checking and savings accounts. From what I read In the law, there is a very loose definition of authorization that XXXX and USBank used to deny my fraud claim. The other criteria used was the previous usage and other matters of proximity to my home. I never visited XXXX of the XXXX XXXX Stores or had made any purchases from the XXXX XXXX over XXXX dollars. USBank had been very active on any charge that was out of the ordinary on my account previously but had no problem with XXXX purchases of over XXXX dollars at a store where I didnt previously or only shop infrequently. USBank suggested that I sue the scammers if and when they are caught. 

The XXXX Claim referrence # is XXXX There are so many other seniors who I believe are vulnerable to similar situations. In making the police reports, there were XXXX other people who had the same scam played on them. I dont know how much money these villain have taken, but it seems to me that XXXX and USBank are doing more victim blaming than helping their customers. 

If a scammer has the card, does not mean that the owner of the card authorized the purchases. I would think that intent would have something to do with providing authorization. My only intent was to help the bank to find why my cards had been compromised. I thought USBank and XXXX should view the situation from the perspective of the customer instead of the view that how the USBank and XXXX would not out any money.

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 2025-11-01 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-01 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 demand that my credit profile and score be correct IMMEDIATELY because there is no way that my credit score took almost XXXX points dropped and I have no missed recent payments Equifax and XXXX needs to correct my credit profile and score IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
FCRA 623 ( b ) : Continuing to furnish inaccurate information after receiving notice of a dispute.

FCRA 611 : Failing to remove or correct unverified or disputed data.

New York General Business Law 380-f : Failure to correct or delete inaccurate or unverified information after receiving notice of a dispute.

New York General Business Law 349 : Engaging in deceptive or unfair business practices affecting consumers.

I have already filed a formal dispute directly with TransUnion, but no appropriate response or valid documentation has been provided within the required timeframe.

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 2025-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I called Medical Data Systems because I noticed they showed up on my credit report. I spoke to a representative from Medical Data Systems who charged me {$1.00} from standard scores and pulled my credit report, he told me that he saw the debt was in collections and asked me for a payment of {$370.00} which would enable medical data systems attorneys to send out letters within 24 hours to the credit bureaus to ask the bureaus to remove the collection from my credit report. I declined and ended the conversation. The credit card I used on Friday XX/XX/XXXX to pay {$1.00} to standard scores for medical data systems to view my credit report was charged again without my knowledge on Friday XX/XX/XXXX for {$24.00} which was a monthly charge for a standard scores account after my free one week trial expired starting on Friday XX/XX/XXXX. I was not informed by medical data systems that I was agreeing to a free one week trial to standard scores and would then be charged a monthly fee on Friday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XXXX, I disputed multiple collection accounts with Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX. Each company continues to verify the accounts as accurate with the credit bureaus without providing complete validation or proof of ownership. 

Under Regulation F ( 12 CFR 1006.34 ), they were required to send a proper validation notice identifying the original creditor, the itemized amount, and the chain of ownership before reporting or verifying the debt. This was never received. 

Their actions also violate Regulation F 1006.30 ( a ) and FCRA 611, since they verified data through automated systems without real documentation. I have attached my written dispute letters and supporting documents requesting validation. 

I am requesting that these unverifiable accounts be investigated and deleted from my credit reports or that full validation be provided. 
First disputes filed between XX/XX/XXXX and XX/XX/XXXX ; balances range from about {$500.00} {$1500.00} per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

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 2025-11-01 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: MS

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was scammed out of {$2500.00} through XXXX  jobsite for a personal assistant job. I deposited check from fake employer and it was returned on XX/XX/XXXX causing my bank account to be negative. I uploaded all supporting documents including check and XXXX XXXX envelope it was sent by. The money was sent by XXXX. USAA took my SSI check that was deposited on XX/XX/year>. My bills are being declined because I have everything setup for the day my XXXX is deposited. I called several times and they do not care.

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 2025-11-01 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: AL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: PA

Complaint narrative:
I am filing a complaint because Experian is displaying a XXXXXXXX XXXX  XXXX XXXX tradeline that is labeled as being reported through Equifax. However, this account does not appear on my actual Equifax credit report when accessed directly. This suggests inaccurate data sharing between bureaus or an unverified archived tradeline still being distributed. I am requesting a formal investigation under FCRA XXXX to confirm whether Equifax is furnishing this data and, if so, to permanently delete any outdated or unverified information related to XXXX Bank XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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