vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: CT

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. 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 2025-07-17 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-07-17 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate address information that does not belong to me. Specifically, the following addresses are listed on my report, and I have never lived at or been associated with these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived in Ohio or Pennsylvania, nor have I authorized any account or application using these addresses. These entries are concerning and may be linked to potential fraud or identity errors.

I am requesting that the credit reporting agencies involved ( XXXX XXXX  TransUnion ) investigate and remove these incorrect addresses from my credit file immediately. 

This inaccurate information could affect my ability to obtain credit, and I take the accuracy of my credit report very seriously. I am also happy to provide proof of my current and past legal addresses, if necessary. 

Thank you for your attention to this matter.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
These fraudulent accounts were created without my permission. I demand their removal from my credit record within 15 days, as per USC 1681g. Relevant documents are attached

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
am submitting this formal complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681s-2 ( a ). 

XXXX has placed an account on my credit report without my knowledge or consent, and they have repeatedly changed the reporting information, creating inconsistencies and confusion that negatively impact my credit profile. This conduct is in direct violation of my rights under FCRA. 

Under 15 U.S.C. 1681b, a consumer report may only be accessed or furnished if there is a permissible purpose, such as with the consumers written authorization. I have never authorized XXXX to open or report any account in my name and no documentation has been provided to justify this reporting. 

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies must be accurate and complete. XXXX has repeatedly altered the account details, including changing dates, balances, and account status, without explanation. This pattern of inaccurate and misleading reporting constitutes a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The case is now called Sweet v. Cardona, No. 3:19-cv-3674 ( N.D. Cal. ) XXXX XX/XX/XXXX, XXXX and the plaintiffs reached a settlement in the case titled Sweet v. McMahon ( formerly Sweet v. Cardona and Sweet v DeVos ). The court granted final approval to the settlement as fair, adequate, and reasonable on XXXX XXXX, XXXX. The agreement affects the processing of borrower defense applications filed on or before XXXX XXXX, XXXX. Borrowers whose applications for borrower defense discharges were pending as of XX/XX/XXXX, are Class Members, while those whose applications were submitted in the period from XX/XX/XXXX to XXXX XXXX, XXXX, are Post-Class Applicants. 

" The settlement became effective on XXXX XXXX, XXXX, and XXXX is starting to implement it, as described below. The settlement is final. XXXX XXXX XXXX has faced several lawsuits and legal actions related to its practices, including those concerning student loans, deceptive recruiting, and accreditation issues. Notably, the university was involved in the " Sweet v. Cardona '' case, which resulted in a settlement impacting federal student loan borrowers. Additionally, there have been complaints and investigations related to XXXX XXXX XXXX accreditation, marketing tactics, and treatment of students. " The U.S. Department of Education ( Department ), Office for Civil Rights ( OCR ), initiated the above-referenced investigation of XXXX XXXX XXXX XXXX XXXX  ), pursuant to Section 504 of the Rehabilitation Act of 1973 ( Section 504 ), as amended, 29 U.S.C. 794, and its implementing regulation, 34 C.F.R. Part 104, which prohibit discrimination on the basis of XXXX by recipients of Federal financial assistance. Prior to the completion of OCRs investigation, the University asked to resolve the issues of this investigation pursuant to Section 302 of OCRs Case Processing Manual ( CPM ). This resolution has been entered into voluntarily by the University and does not constitute a finding or admission that the University is not in compliance with Section 504 and its implementing regulation. Accordingly, to ensure compliance with Section 504 and its implementing regulations and to resolve the issues of this investigation, the University voluntarily agrees to take the following actions : Student-Focused Remedies : in compliance with the Section 504 implementing regulations at 34 C.F.R.

104.44 ( a ), ( c ) and ( d ). in compliance with the Section 504 implementing regulations at 34 C.F.R. 104.44 ( a ), ( c ) and ( d ). enforcement ( 34 C.F.R. 100.9, 100.10 )

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 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The case is now called Sweet v. Cardona, No. 3:19-cv-3674 ( N.D. Cal. ) XXXX XX/XX/XXXX, XXXX and the plaintiffs reached a settlement in the case titled Sweet v. McMahon ( formerly Sweet v. Cardona and Sweet v DeVos ). The court granted final approval to the settlement as fair, adequate, and reasonable on XXXX XXXX, XXXX. The agreement affects the processing of borrower defense applications filed on or before XXXX XXXX, XXXX. Borrowers whose applications for borrower defense discharges were pending as of XX/XX/XXXX, are Class Members, while those whose applications were submitted in the period from XX/XX/XXXX to XXXX XXXX, XXXX, are Post-Class Applicants. 

" The settlement became effective on XXXX XXXX, XXXX, and XXXX is starting to implement it, as described below. The settlement is final. XXXX XXXX XXXX has faced several lawsuits and legal actions related to its practices, including those concerning student loans, deceptive recruiting, and accreditation issues. Notably, the university was involved in the " Sweet v. Cardona '' case, which resulted in a settlement impacting federal student loan borrowers. Additionally, there have been complaints and investigations related to XXXX XXXX 's accreditation, marketing tactics, and treatment of students. " The U.S. Department of Education ( Department ), Office for Civil Rights ( OCR ), initiated the above-referenced investigation of XXXX XXXX XXXX XXXX XXXX XXXX pursuant to Section 504 of the Rehabilitation Act of 1973 ( Section 504 ), as amended, 29 U.S.C. 794, and its implementing regulation, 34 C.F.R. Part 104, which prohibit discrimination on the basis of XXXX by recipients of Federal financial assistance. Prior to the completion of OCRs investigation, the University asked to resolve the issues of this investigation pursuant to Section 302 of OCRs Case Processing Manual ( CPM ). This resolution has been entered into voluntarily by the University and does not constitute a finding or admission that the University is not in compliance with Section 504 and its implementing regulation. Accordingly, to ensure compliance with Section 504 and its implementing regulations and to resolve the issues of this investigation, the University voluntarily agrees to take the following actions : Student-Focused Remedies : in compliance with the Section 504 implementing regulations at 34 C.F.R.

104.44 ( a ), ( c ) and ( d ). in compliance with the Section 504 implementing regulations at 34 C.F.R. 104.44 ( a ), ( c ) and ( d ). enforcement ( 34 C.F.R. 100.9, 100.10 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
The case is now called Sweet v. Cardona, No. 3:19-cv-3674 ( N.D. Cal. ) XXXX XX/XX/XXXX, XXXX and the plaintiffs reached a settlement in the case titled Sweet v. McMahon ( formerly Sweet v. Cardona and Sweet v DeVos ). The court granted final approval to the settlement as fair, adequate, and reasonable on XXXX XXXX, XXXX. The agreement affects the processing of borrower defense applications filed on or before XXXX XXXX, XXXX. Borrowers whose applications for borrower defense discharges were pending as of XX/XX/XXXX, are Class Members, while those whose applications were submitted in the period from XX/XX/XXXX to XXXX XXXX, XXXX, are Post-Class Applicants. 

" The settlement became effective on XXXX XXXX, XXXX, and XXXX is starting to implement it, as described below. The settlement is final. XXXX XXXX XXXX has faced several lawsuits and legal actions related to its practices, including those concerning student loans, deceptive recruiting, and accreditation issues. Notably, the university was involved in the " Sweet v. Cardona '' case, which resulted in a settlement impacting federal student loan borrowers. Additionally, there have been complaints and investigations related to XXXX XXXX XXXXs accreditation, marketing tactics, and treatment of students. " The U.S. Department of Education ( Department ), Office for Civil Rights ( OCR ), initiated the above-referenced investigation oXXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to Section 504 of the Rehabilitation Act of 1973 ( Section 504 ), as amended, 29 U.S.C. 794, and its implementing regulation, 34 C.F.R. Part 104, which prohibit discrimination on the basis of XXXX by recipients of Federal financial assistance. Prior to the completion of OCRs investigation, the University asked to resolve the issues of this investigation pursuant to Section 302 of OCRs Case Processing Manual ( CPM ). This resolution has been entered into voluntarily by the University and does not constitute a finding or admission that the University is not in compliance with Section 504 and its implementing regulation. Accordingly, to ensure compliance with Section 504 and its implementing regulations and to resolve the issues of this investigation, the University voluntarily agrees to take the following actions : Student-Focused Remedies : in compliance with the Section 504 implementing regulations at 34 C.F.R.

104.44 ( a ), ( c ) and ( d ). in compliance with the Section 504 implementing regulations at 34 C.F.R. 104.44 ( a ), ( c ) and ( d ). enforcement ( 34 C.F.R. 100.9, 100.10 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>XXXX  I purchased two cell phones from XXXX online for myself and a relative. I did not like the device I intended to keep for myself so I returned it without issue. The other device intended for a relatives gift needed to be returned too and I contacted XXXX via live chat on XX/XX/year> to which their representative approved a return request and asked me to patiently wait for a return label to be sent via e-mail. Days pass and there is no update so I chat again and am told not to worry that my request would be escalated and to wait another few days to get the label via e-mail. Fast forward to today, months have passed and I have escalated the issue to XXXX but still no resolution despite having written proof of an approved return request, and to not ship the device back by other means, only with a provided label. Due to no help from XXXX I open a dispute with Citi Bank and at first they investigate the transaction but later say that I am responsible despite me having proof of an approved return request. I later send them proof of my communications with XXXX and they respond that they are unable to further investigate because XXXX does not want to give credit. That is unacceptable. When I have an issue with a merchant it's the credit card company 's job to step in and help their customer, not stonewall me and tell me there's nothing they can do to help me especially when my complaint is valid.

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 2025-07-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-17 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief