vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing the XXXX XXXX account listed above with the credit bureaus for several months. Despite my repeated formal written disputes, this account continues to be reported inaccurately, inconsistently, and in violation of the Fair Credit Reporting Act ( FCRA ). The information being reported is not only harmful to my credit profile, but it is also legally non-compliant, and the credit bureaus have failed to properly investigate or correct it.

Specifically : This account is reported as charged off but still shows a balance owed ( {$74.00} ) across all three credit bureaus. Under FCRA 623 ( a ) ( 1 ), this is inaccurate reporting and creates a misleading representation of my financial obligations. 

The account statuses are inconsistent across bureaus : Experian reports the account as Closed TransUnion and Equifax list the status as Derogatory This violates FCRA 607 ( b ), which requires accurate and consistent reporting.

Key dates are conflicting, including Date of Last Activity and Date of Last Payment, which appear to be re-aged across bureausanother violation of FCRA 611 ( a ) ( 5 ) ( B ).

No bureau has provided me with a signed contract or validation of the account, despite multiple disputes. Under FCRA 609 ( a ) ( 1 ) ( A ), I have a right to receive documentation bearing my signature, and under 611 ( a ), unverified accounts must be promptly deleted.

Equifax reports an inaccurate high credit ( {$74.00} ) and a {$0.00} credit limit, which is contradictory and violates Metro 2 reporting standards.

Despite my detailed disputes and lawful requests, this account remains on my report with conflicting, unverifiable, and outdated information.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : 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 2025-04-14 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Ive tried numerous times to contact Aidvantage to find out how I can dispute my loans but I keep getting the runaround. No one returns my calls. I get emails weekly that I need to make a payment. But no one answers any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, I am writing to express my strong objection to the unjustified presence of a false entry within my credit report, pursuant to the regulations outlined in the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand that you promptly investigate and rectify the misguided charge-off account that has been erroneously attributed to my name. 

Account Details : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reported Charge-Off Date : XXXX  Disputed Amount : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I have tried several times with both the company XXXX XXXX XXXX and the 3 major credit bureaus. Each is saying the other is responsible for the inaccurate reporting on my account. I have settled the account with XXXX XXXX XXXX back in XXXXXXXX XXXX XXXX  which they agreed the account was settled, however, the credit bureaus are reporting a monthly charge off after the payment date and this is inaccurate reporting as the charge off monthly should not be reported after XXXXXXXX XXXX XXXX when I settled the account. According to FCRA guidelines, the re-aging of this inaccurate information is illegal and should be corrected.

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 2025-04-14 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
So i received a email from Navy federal credit union saying i was denied for a autoloan that i did not apply for so i called and they said one for XXXX has been filled which i have not done so im trying to get it removed as quickly as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-14 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: PA

Complaint narrative:
I am reaching out to address several concerns regarding my credit report. I have identified a number of issues, including inaccurate account entries, an unfamiliar collection account, unauthorized credit inquiries, and other reporting errors. Your prompt assistance is essential to help resolve these matters and safeguard my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NH

Complaint narrative:
The Family Educational Rights and Privacy Act, FERBA, protects the confidentiality of students records. This breach a clear violation of FERBA and your responsibility to safeguard my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal request pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ], concerning an alleged debt that appears on my credit report.

I previously disputed the validity of this debt appearing on my credit profile. You responded stating the account had been " verified. '' However, per my rights under federal law, if you claim to have verified this account, you are required to maintain and provide documented evidence of the method and results of this verification. I have not received such documentation.

Please be advised : FCRA 611 ( a ) ( 5 ) ( A ) states that if an item of information disputed by a consumer is found to be inaccurate or can not be verified, it must be promptly deleted from the file of the consumer.

FCRA 607 ( b ) requires credit reporting agencies to ensure maximum possible accuracy of the information they report. 

Continuing to report unverifiable or inaccurate information after a dispute and request for verification constitutes willful noncompliance with federal law. 

If you or the furnisher of the information can not provide proof of verification with proper documentation, you are legally obligated to remove the account from my credit report. Failure to do so may result in legal action, including but not limited to a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for willful noncompliance.

This is not a request for reinvestigation ; it is a demand for proof of how the account was verified. If you are unable or unwilling to produce such documentation, this entry must be removed immediately. 

Please respond to this letter in writing within 15 days. Failure to comply will result in me exercising all legal remedies available under the law. 

Account Name : XXXX Account Number : XXXX Date Opened : XXXX Amount : {$120.00}

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NV

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g and Related Provisions To Whom It May Concern, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am exercising my right to request validation of the alleged debt you claim I owe. Until such validation is provided, you must cease collection efforts. 

Facts and Conclusions of Law : Under 15 U.S.C. 1692g ( b ), a consumer has the right to request verification of a debt within 30 days of receiving notice from a debt collector. Once requested, all collection activities must cease until verification is mailed to the consumer. 

I am asserting my right under this statute and demanding that you provide : The amount of the alleged debt ; The name of the original creditor ; A copy of the original agreement or documentation bearing my signature or otherwise evidencing my obligation ; Documentation that establishes your authority to collect this debt. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any item of information in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 

Additionally, per 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Failure to verify the information requires its deletion. 

Therefore, any credit reporting of this alleged XXXX debt that is not fully verified is in violation of the FCRA and should be removed immediately or marked as disputed until such time as proper verification is provided. 

Conclusion : You are hereby notified to validate this debt in compliance with 15 U.S.C. 1692g ( b ). Until then, cease all collection activity and ensure that any current or future credit reporting reflects the account as disputed pursuant to 15 U.S.C. 1681i. 

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may result in civil action under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-04-14 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: PA

Complaint narrative:
I am reaching out to address several concerns regarding my credit report. I have identified a number of issues, including inaccurate account entries, an unfamiliar collection account, unauthorized credit inquiries, and other reporting errors. Your prompt assistance is essential to help resolve these matters and safeguard my financial well-being.

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 2025-04-14 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: PA

Complaint narrative:
I am reaching out to address several concerns regarding my credit report. I have identified a number of issues, including inaccurate account entries, an unfamiliar collection account, unauthorized credit inquiries, and other reporting errors. Your prompt assistance is essential to help resolve these matters and safeguard my financial well-being.

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 2025-04-14 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation