vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
This correspondence serves as a formal demand to remove all dispute remarks or notations from my credit file that have been recorded within the past twenty-four ( 24 ) months. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681e ( b ) and 1681i ( a ), I am asserting my right to ensure that my consumer report is both factually accurate and devoid of duplicative or outdated notations that may prejudice future investigations.

To preserve my right to submit future good-faith disputes without obstruction or labeling as " frivolous '' or " previously investigated, '' I demand a full removal of all " consumer disputes, '' " meets FCRA requirements, '' or similar commentary.

Page 1 Credit Dispute Letter Failure to comply may be considered a negligent or willful violation of FCRA, subject to statutory damages under 15 U.S.C. 1681n and 1681o. Please provide written confirmation of action taken. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This correspondence serves as a formal demand to remove all dispute remarks or notations from my credit file that have been recorded within the past twenty-four ( 24 ) months. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681e ( b ) and 1681i ( a ), I am asserting my right to ensure that my consumer report is both factually accurate and devoid of duplicative or outdated notations that may prejudice future investigations.

To preserve my right to submit future good-faith disputes without obstruction or labeling as " frivolous '' or " previously investigated, '' I demand a full removal of all " consumer disputes, '' " meets FCRA requirements, '' or similar commentary.

Page 1 Credit Dispute Letter Failure to comply may be considered a negligent or willful violation of FCRA, subject to statutory damages under 15 U.S.C. 1681n and 1681o. Please provide written confirmation of action taken. 
Sincerely, 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 2025-07-10 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 XXXX credit report on XX/XX/year>XXXX  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 non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
I am writing to formally dispute the inclusion of a student loan account reported by XXXX XXXX on my credit report. I am requesting the removal of this account based on a suspected violation of the Family Educational Rights and Privacy Act ( XXXX ) and potentially unlawful reporting practices under the Fair Credit Reporting Act ( FCRA ). 
I have reason to believe that my protected student education records and financial aid information were disclosed to third parties, including credit reporting agencies, without my proper consent or without meeting the strict conditions allowed under XXXX. If any part of this loans servicing, reporting, or delinquency status relied on unauthorized access to my enrollment data, academic standing, or financial aid records, this would constitute a breach of federal privacy 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 2025-07-10 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: NJ

Complaint narrative:
I am writing to formally dispute the inclusion of a student loan account reported by XXXX XXXX on my credit report. I am requesting the removal of this account based on a suspected violation of the Family Educational Rights and Privacy Act ( XXXX ) and potentially unlawful reporting practices under the Fair Credit Reporting Act ( FCRA ). 
I have reason to believe that my protected student education records and financial aid information were disclosed to third parties, including credit reporting agencies, without my proper consent or without meeting the strict conditions allowed under XXXX. If any part of this loans servicing, reporting, or delinquency status relied on unauthorized access to my enrollment data, academic standing, or financial aid records, this would constitute a breach of federal privacy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
I am writing to formally dispute the inclusion of a student loan account reported by XXXX XXXX on my credit report. I am requesting the removal of this account based on a suspected violation of the Family Educational Rights and Privacy Act ( XXXX ) and potentially unlawful reporting practices under the Fair Credit Reporting Act ( FCRA ). 
I have reason to believe that my protected student education records and financial aid information were disclosed to third parties, including credit reporting agencies, without my proper consent or without meeting the strict conditions allowed under XXXX. If any part of this loans servicing, reporting, or delinquency status relied on unauthorized access to my enrollment data, academic standing, or financial aid records, this would constitute a breach of federal privacy 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 2025-07-10 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-10 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I reviewed my credit reports from the XXXX major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. XXXX or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to dispute the reporting of a child support account listed under XXXX XXXX XXXX on my credit report. This entry is both inaccurate and in potential violation of the Fair Credit Reporting Act ( FCRA ), especially after the changes introduced under the XXXX FACT Act.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-07-10 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: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EdFinancial Services
State: NJ

Complaint narrative:
I am writing to formally dispute the inclusion of a student loan account reported by XXXX XXXX on my credit report. I am requesting the removal of this account based on a suspected violation of the Family Educational Rights and Privacy Act ( XXXX ) and potentially unlawful reporting practices under the Fair Credit Reporting Act ( FCRA ). 
I have reason to believe that my protected student education records and financial aid information were disclosed to third parties, including credit reporting agencies, without my proper consent or without meeting the strict conditions allowed under XXXX. If any part of this loans servicing, reporting, or delinquency status relied on unauthorized access to my enrollment data, academic standing, or financial aid records, this would constitute a breach of federal privacy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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 reporting is unjust and unlawful.

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 2025-07-10 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NRA Group, LLC
State: TX

Complaint narrative:
I am submitting this complaint because the same debt is being reported on my credit by two different collection agencies one to XXXX  and one to XXXX  which I believe constitutes duplicate reporting and is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX  is reporting a {$1400.00} collectio

n by National Recovery. XXXX  is reporting what appears to be the same {$14
00.00} debt by NTL Recovery Agency. 
Both accounts are listed as medical debt, with similar open dates, balances, and no original creditor named. 

This suggests that the same debt is being collected and reported by two different companies, and this misrepresents the amount I owe. I am not disputing that each credit bureau is showing one account, but that across the bureaus, two companies are simultaneously reporting what appears to be the same debt. This has caused confusion and damage to my credit profile. 

When I filed disputes with both credit bureaus, they dismissed my concern, stating that no duplicate appears on this file and referred me back to each other. Because the accounts are split between the bureaus, neither XXXX  nor XXXX  will acknowledge the duplicate nature of this collection, and neither has taken corrective action. 

This is a violation of : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report.

And potentially FDCPA 807 ( 2 ) ( A ) [ 15 U.S.C. 1692e ], which prohibits debt collectors from misrepresenting the amount or legal status of any debt.

I am requesting that the CFPB investigate this issue and require that one of these duplicate entries be removed so that I am not penalized for the same debt twice.

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