vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
Hard inquiries Inquiry details 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 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 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 explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for its failure to respond to my dispute request, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I sent a detailed dispute letter to Experian via certified mail ( Tracking # XXXX ), requesting an investigation into inaccurate items reflected on my credit report, as well as the correction of incorrect personal identifying information. 
To support my dispute and verify my identity, I included the following documents : A copy of my government-issued identification A copy of my Social Security card A recent utility bill reflecting my current address Despite providing all required documentation and following proper dispute procedures, Experian has failed to respond or provide the results of any investigation within the timeframe required by law. As of today, I have received no communication or update regarding the status of my dispute. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is legally obligated to conduct a reasonable reinvestigation of disputed information when a consumer notifies the agency of inaccuracies. By failing to properly investigate my dispute Experian is legally obligated to conduct a reasonable reinvestigation of any disputed information. Experians failure to respond or investigate indicates a violation of my rights as a consumer. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing this matter and ensuring that Experian fulfills its obligations under the 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 2025-05-20 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:
RE : Demand for Deletion of Inaccurate Charged-Off Account Not for Reinvestigation To Whom It May Concern, This letter is a formal demand for the permanent deletion of an inaccurate charged-off account being reported on my credit file. This account, reported by XXXX XXXX XXXX, is listed on my credit report under account number XXXX. This communication is NOT a request for reinvestigation, but a demand for removal based on the rights provided to me under federal law. This account was written as a charged off account but I never received any of the 1099 cancellation of debt forms, and because of that this account is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( a ), credit reporting agencies are required to ensure all information furnished in a consumer report is accurate and verifiable. The continued reporting of inaccurate, outdated, or unverifiable information is a violation of federal law. 

I am asserting my rights under : FCRA Section 1681e ( b ) : Mandates maximum possible accuracy in credit reporting.

FCRA Section 1681i ( a ) ( 5 ) ( A ) : States unverifiable information must be promptly deleted.

FCRA Section 602 ( a ) : Affirms that inaccurate reporting is detrimental to consumers and constitutes an unfair practice.

Because the account in question contains errors and/or can not be 100 % verified with original documentation that meets legal and procedural requirements, it should not be reinvestigatedit must be permanently deleted from all of my credit files.

You are hereby placed on notice that continued reporting of this account without full validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of the FCRA. 


Please confirm in writing that this account has been permanently deleted from my credit file. I expect a response within 30 calendar days, as required by law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to XXXX XXXX XXXX Per XXXX XXXX XXXX Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Hard inquiries XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> The previous hard inquiries are a result of identity theft. Per XXXX XXXX XXXX XXXX - Aggravated identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to XXXX XXXX XXXX Per XXXX XXXX XXXX Permissible Purposes, I want these hard inquiry removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately This company may be held liable pursuant to federal law title XXXX XXXX XXXX and title XXXX XXXX XXXX for negligence. Pursuant to FCRA XXXX and XXXX XXXX XXXX I demand that these accounts be removed within XXXX business days as permitted by federal 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A false debt is being reported on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. 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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: LA

Complaint narrative:
In XX/XX/XXXX, I took out a {$600.00} installment loan from XXXX  ( BlueChip Financial ), which carried an annual percentage rate ( APR ) of XXXX  %. The loan was scheduled over XXXX payments. I made at least XXXX payment of {$100.00} on XX/XX/XXXX, yet I am now being told I owe {$1300.00}, with a past due balance of {$860.00}. This is more than double the original loan amount and reflects excessive, possibly usurious interest, which I believe violates XXXX  law. 

In early XXXX, I formally disputed the debt and sent a cease and desist letter to XXXX, requesting all communications cease. Despite this, XXXX  has continued to contact me, including most recently in XX/XX/XXXX. These ongoing contacts appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and potentially CFPB rules on unfair or abusive practices. 

Furthermore, XXXX  has not provided access to my original loan agreement, contract, or promissory note, either through their website or customer service. I am unable to view or verify any of the loan terms they claim I agreed to. This lack of documentation raises serious concerns about transparency and may violate federal disclosure laws such as the Truth in Lending Act ( TILA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: OK

Complaint narrative:
please chek the information concerning the euifax data reach

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 2025-05-19 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: OK

Complaint narrative:
please chek the information concerning the euifax data reach

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 2025-05-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Ive been facing numerous medical problems since XXXX XXXX  and was sent off with a medical retirement ( not much ) with a family of XXXX. Ive treated to work part time to pay bills but that didnt work out. Im waiting for XXXX approval due to my medical conditions and I keep receiving calls, emails, and mail from some creditors who wouldnt take my letter from the medical retirement and I do believe I had protection coverage but its whatever now. I was contacted by XXXX XXXX XXXX XXXX at XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. I screenshotted the XXXX with time and date. Im only human and Im trying to get my credit squared away but receive calls from numbers who never answer after telling them my story and sending my XXXX statement. Its depressing being a young veteran with XXXX  and a XXXX  knowing I can buy a home because of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fig Tech Inc.
State: FL

Complaint narrative:
FIG TECH INC - XXXX XXXX, XXXX {$640.00} Account was written off by the company and I was not provided with a 1099-C at my request. 
XXXX XXXX - XXXX XXXX, XXXX {$710.00} Account was written off by the company and I was not provided with a 1099-C at my request. 
XXXX XXXX - XXXX XXXX, XXXX {$710.00} Account was written off by the company and I was not provided with a 1099-C at my request. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX {$1300.00} Account was written off by the company and I was not provided with a 1099-C at my request. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$72.00} Account was written off by the company and I was not provided with a 1099-C at my request. 
XXXX XXXX XXXX, XXXX {$1400.00} Account was written off by the company and I was not provided with a 1099-C at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is a formal follow-up complaint concerning Experians continued reporting of a closed account as delinquent. The account in question is XXXX XXXX  XXXX Account Number : XXXX ), which Experian is reporting with a late payment on XX/XX/year>, even though the balance and past due amount are both {$0.00}. This derogatory information is misleading, as the account has been closed and resolved, and there is no remaining obligation that would warrant the continued display of a late mark. This false representation is negatively affecting my credit profile, despite the account posing no ongoing risk or delinquency.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), Experian is required to report only accurate and relevant data. Maintaining a negative remark on a closed and fully resolved account is both misleading and detrimental to my creditworthiness. Additionally, under 15 U.S.C. 1681i, Experian is obligated to perform a proper reinvestigation when a consumer disputes a credit entry. I previously disputed this reporting, yet I have not received any proof that the late payment entry is valid, nor any indication that Experian acquired original documentation from the creditor. This suggests Experian may be failing to adhere to its federally mandated responsibilities, and it raises the possibility that this inaccurate reporting is the result of flawed reinvestigation processes or systemic data handling issues, which must be addressed immediately.

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