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: 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: NC

Complaint narrative:
I specifically ask for Experian to " provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. '' Per the attachments via a dispute this was the second attempt to procure this information which would validate the debt they are reporting. This was received by Experian XX/XX/year>. This was sent certified mail the usps receipt is 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Multiple Inaccurate Charge-Offs and Derogatory Accounts FCRA 611 / FDCPA 809 / Metro 2 Violations -- -- - Complaint : I am submitting this complaint to dispute multiple inaccurate, incomplete, and unverifiable accounts being reported on my Experian credit report dated XX/XX/year>. The following creditors have failed to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards by reporting derogatory tradelines without providing full validation or required documentation. XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX Status : Charged off with {$33000.00} written off. No original signed contract or agreement. No itemized billing statement provided. No proof of lawful assignment of debt. Violations : FCRA 611 ( a ) ( 1 ), FDCPA 809 ( b ), FCRA 609 ( a ) ( 1 ), Metro 2 noncompliance. 2. XXXX Account ending in XXXX Status : Charged off for {$2500.00}. Reported with 11 months of delinquency. No documentation or validation of the debt has been furnished. XXXX. XXXX XXXX XXXX Account ending in XXXX Status : Charged off for {$18000.00}. 5 months of negative reporting without any account ledger or validation. No proof of original contract or payment record. XXXX. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX ) Account ending in XXXX Status : Charged off for {$19000.00}. No original agreement, itemized charges, or lawful transfer evidence provided. Reported inaccurately as transferred without verification. XXXX. XXXX / XXXX XXXX XXXX  Account ending in XXXX Status : Open, XXXX late payments reported. Discrepancies in payment history timeline and missing data fields. Labeled as " loan modified under federal plan '' but lacks required modification documentation. Potential Metro 2 and FCRA 611 ( a ) ( 1 ) violation.

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 — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wolf River Development Company
State: WA

Complaint narrative:
On XX/XX/year>, I took out an installment loan from Northern Star Lending, a tribal lender. The loan agreement included a voluntary wage assignment clause. On XX/XX/year>, Northern Star sent a wage assignment demand to my employer XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX  ), instructing them to withhold 15 % of my disposable wages and send payments to Northern Star. 

There was no court order, no judgment, and no legal garnishment. This was not a court-authorized debt collection. 

On XX/XX/year>, I sent a written revocation of the wage assignment to Northern Star, which is allowed under federal law ( FTC Credit Practices Rule, 16 CFR 444.2 ). Despite this, my paycheck was garnished. Northern Star did not respond to my revocation or confirm they would stop collection attempts. 

I also informed my employer that the assignment was revoked. They responded that they were waiting to hear from Northern Star before stopping deductions even though legally, they are not required ( or allowed ) to continue once the employee revokes. 

I am now facing wage loss and financial stress due to Northern Stars refusal to honor the revocation. I believe this violates federal consumer protection laws and may also involve illegal contact with my employer.

I am requesting that Northern Star immediately cease wage deductions and that the CFPB investigate their collection practices.

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: Experian Information Solutions Inc.
State: TX

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 2025-07-17 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: EQUIFAX, INC.
State: TX

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 2025-07-17 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> NATIONAL CREDIT SYSTEMS Subject : Request for Debt Validation ( per FDCPA 809 ) To Whom It May Concern, I am writing in response to a [ letter/phone call ] received on [ date ] regarding an alleged debt. I request that you provide full validation of this debt, including : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Verification that you are legally authorized to collect this debt.

4. A copy of any judgment ( if applicable ).

5. A copy of the original signed agreement or contract showing my obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information. Please consider this a formal dispute of the alleged debt and cease all collection activity until the requested information is provided. 

Sincerely, XXXX XXXX XXXX

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: MS

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 2025-07-17 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX, XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting I am writing to formally dispute the reporting of a late payment by XXXX XXXX XXXX, on my credit report. My account XXXX with XXXX XXXX remains active and, to my knowledge, in good standing. I have reviewed my credit report and discovered that XXXX XXXX has inaccurately reported a late payment, which I believe is incorrect and constitutes a violation of federal law. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681b, which ensures that consumer reporting agencies only furnish reports when a permissible purpose existssuch as written consent, credit review, or collection of a legitimate debt. I have not authorized nor consented to the release of this inaccurate information under these circumstances.

Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1666b ), a creditor can not treat a payment as latenor assess finance charges or report it as lateunless it has mailed or delivered the periodic billing statement at least 21 days before the payment due date under an open-end credit plan. If this condition was not met, the late payment reporting is not only inaccurate but also unlawful.

I am requesting that this inaccurate late payment entry be investigated and promptly removed from my credit report.

Please investigate this matter and provide written confirmation of the outcome within 30 days, as required by the FCRA. If the item is not verified, it must be deleted from my credit report.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX, XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting I am writing to formally dispute the reporting of a late payment by XXXX XXXX XXXX, on my credit report. My account XXXX with XXXX XXXX remains active and, to my knowledge, in good standing. I have reviewed my credit report and discovered that XXXX XXXX has inaccurately reported a late payment, which I believe is incorrect and constitutes a violation of federal law. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681b, which ensures that consumer reporting agencies only furnish reports when a permissible purpose existssuch as written consent, credit review, or collection of a legitimate debt. I have not authorized nor consented to the release of this inaccurate information under these circumstances.

Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1666b ), a creditor can not treat a payment as latenor assess finance charges or report it as lateunless it has mailed or delivered the periodic billing statement at least 21 days before the payment due date under an open-end credit plan. If this condition was not met, the late payment reporting is not only inaccurate but also unlawful.

I am requesting that this inaccurate late payment entry be investigated and promptly removed from my credit report.

Please investigate this matter and provide written confirmation of the outcome within 30 days, as required by the FCRA. If the item is not verified, it must be deleted from my credit report.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 XXXX U.S. CXXXX XXXX ( 2 ) and XXXX U.S. CXXXX XXXXc-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, 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 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 XXXX U.S. CXXXX XXXX ( 2 ) and XXXX U.S. CXXXX XXXXc-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i received a email alert from TransUnion on XX/XX/year> that a inquiry was added to my report from XXXX on XX/XX/year> that i don't recognize and while going over my report i noticed there was a few more inquiries on my TransUnion report that i did not authorize, nor recognize from the below institutions i also filed a claim with idtheft.gov and i have attached the report from ID theft XXXX XXXX  Date of Inquiry XX/XX/year> XXXX XXXX  Date of Inquiry XX/XX/year> XXXX XXXX  Date of Inquiry XX/XX/year> XXXX XXXX Date of Inquiry XX/XX/year> XXXX Date of Inquiry XX/XX/year> XXXX Date of Inquiry XX/XX/year>

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: GA

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. 

XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX/XXXX  - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX 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 may make any consumer report containing any of the following items of information Any other 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 ) 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 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