vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXX, XXXXXXXX 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 2025-06-17 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING MIDLANDCRE, ACCOOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602A According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C 1681 SECTION 604A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized XXXX  entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused XXXX  to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

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

1681c-2 ) that you, the XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there is a fraudulent account on my credit report. Please delete this fraudulent account from my report as this 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 explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report. I have reviewed my report and identified multiple unauthorized hard inquiries and incorrect personal information. Please investigate these items and remove or correct them as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX ) Hard Inquiries to Remove - XXXX XXXX XXXXXXXX ( inquired on XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX  ( inquired on XX/XX/XXXX ) - XXXX XXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX  ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX  ( inquired on XX/XX/XXXX ) XXXX ) Incorrect Personal Information Please correct my name to my legal name Remove all other name variations and ensure my employer information is up-to-date and accurate. 

XXXX ) Inaccurate Account Information Please verify and update any potentially inaccurate account details, especially any account showing a past-due balance or outdated status.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report. I have reviewed my report and identified multiple unauthorized hard inquiries and incorrect personal information. Please investigate these items and remove or correct them as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX ) Hard Inquiries to Remove - XXXX XXXX XXXXXXXX ( inquired on XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX  ( inquired on XX/XX/XXXX ) - XXXX XXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX  ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX  ( inquired on XX/XX/XXXX ) XXXX ) Incorrect Personal Information Please correct my name to my legal name Remove all other name variations and ensure my employer information is up-to-date and accurate. 

XXXX ) Inaccurate Account Information Please verify and update any potentially inaccurate account details, especially any account showing a past-due balance or outdated status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The SCRA Act was applied to my auto loan since XX/XX/year>. This act is a law in which creditors can not penalize the lendee by reporting any negative marks or delinquencies on their account due to being a member of the military or being a dependent of an XXXX XXXX XXXX. Santander Consumer USA failed to lawfully practice this act, and to disclose pertinent information regarding any updates to their practices. I was informed today that they can either report to the credit bureaus accurately or none at all. And by law of the SCRA, they should not have to report anything. I have called in the month of XXXX to speak with them in regards to my account and financial standing. And I was told to make a payment when I can, and that I would be okay. I was not told any other further information which comes as an inconvenience and a blindsight due to a lack of transparency and accuracy. Santander has reported on my credit report for non-payment and this has dropped my score by XXXX points. I have always been a responsible and on-time payer on my car note, as I have never missed a payment. I asked for this mark to be deleted from my credit report and was told that they can not do that. It would be fair for them to change my account back to current. I have already made my payment to my account as communicated and the rest will be applied this week to make it up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to respectfully request your assistance regarding a matter on my consumer credit file. I would like to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) concerning the late payments reported by XXXX XXXX XXXX on my auto loan account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX *. 
While I fully acknowledge that there were instances of late payments in the past specifically in XXXX, XXXX, and XXXX of XXXX I have since taken strong corrective action to remain current on this account. As reflected in my credit report, I have made on-time payments consistently for well over a year. 
My payment history has been flawless since early XXXX, and I remain committed to fulfilling my obligations responsibly. 
In light of my current standing and the significant improvement in my payment behavior, I am kindly requesting that the CFPB investigate this reporting and, if allowable under the FCRA, facilitate the removal or suppression of the historical late payment notations. This gesture would greatly support my efforts to rebuild and maintain positive credit, and I believe it reflects the spirit of fair and XXXX reporting standards. 
Attached are relevant documents, including a copy of my current credit report excerpt and ID verification, to assist with your review. 
Thank you for your time and for the continued support your office provides to consumers striving to correct and improve their credit standing.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Problem : Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX are furnishing contradictory and unverified negative information. Experian lists duplicate bankruptcies ( same case number in multiple courts ) and conflicting versions of the same tradelines. XXXX XXXX was issued a 1099-A for the account in question. XXXX XXXX and XXXX both were issued 1099-C forms, legally discharging the debts, yet still report balances and delinquencies. Furthermore, XXXX  has properly complied and removed these items.

Key facts : Bankruptcy duplicates, filed XX/XX/year> & XX/XX/year>, ref. # XXXX & XXXX, appear three times each on Experian. 
XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows Closed / {$65000.00} past due / 16 lates on Experian but Open / Current / 15 lates on XXXX. 
XXXX  acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows two conflicting entries on Experian, one Closed / 0 lates, the other 60 Days Late / 2 lates.

Both creditors filed 1099-C forms ( confirmed via IRS transcript ) converting the debts to income. 
Why its illegal : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy. 15 U.S.C. 1681s-2 ( a ) forbids a furnisher from reporting information it knows is inaccurate, especially after debt cancellation under 26 U.S.C. 6050P. Duplicate bankruptcies deceptively magnify derogatory impact.

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 2025-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient, which is not my student loan servicer anymore, made a withdrawal from my bank account on Monday, XX/XX/year>, without my authorization, for neither amount that I have an agreement with any of my student loans. XXXX is my new servicer for almost a year and I have an agreement to pay, {$660.00} for my private loans and {$170.00} for my Federal loans. I don't even have my bank account info saved on my account in fear of this happening because this is not the first time this happens ; the first time I had to do a stop payment and pay {$30.00} out of my pocket because they failed to take care of the issue. I have not done a stop payment because I do not want to pay {$30.00} per check ( {$60.00} ) for something that is not my fault nor my issue and won't get a refund for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized XXXX entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused XXXX  to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my XXXX  request for details of the procedure you followed when XXXX sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
XXXX XXXX  - XXXX - Under XXXX XXXX XXXX Billing Error - Please Update to Never Late XXXX - XXXX - Under XXXX XXXX XXXX Billing Error - Please Update to Never Late XXXX XXXX XXXXXXXX - Under XXXX XXXX XXXX XXXX Error - Please Update to Never Late

Company response to consumer: Closed with non-monetary relief