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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX Americans including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action. 

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough. 

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than 4 business days

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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX Americans including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action. 

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough. 

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than 4 business days

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX I am filing this complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX acct # : XXXX on XX/XX/XXXX, a personal credit card opened at XXXX XXXXXXXX XXXX XXXXXXXX acct # : XXXX on XXXX XXXX, XXXX with a balance of {$880.00}, a personal credit card opened at XXXX XXXX acct # : XXXX on XXXX XXXX, XXXX with a balance of {$960.00}, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX, XXXX with a balance of {$11000.00}, a business account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$28000.00}, a collections account opened at XXXX acct XXXX : XXXX on XXXX XXXX, XXXX with a balance of {$7500.00}, a personal credit card opened at XXXX XXXX XXXX XXXX XXXXXXXX on XXXX. XXXX, XXXX with a balance of {$980.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

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: 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 Experian, XXXX XXXX XXXX credit report on XX/XX/year> 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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

Complaint narrative:
Multiple credit reports pulled without my 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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Both of my capital one credit were closed on XXXX XXXX without any notice. I received a letter in the mail approximately XXXX weeks later stating unusual account activity my account will be closed. I called capital one on Thursday XXXX XXXX to understand what happened. I was told I had XXXX return payments since I had the cards open. Now I have been with capital one XXXX  years to please send me proof because it's not making any sense. I never received a warning nor I don't recall XXXX return payments on my credit cards. They have always been auto draft as well as I make extra payments before the due date. Representative stated that's all it says and account can't be reopened. I have never heard of this issue before and felt violated in so many ways.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
On XX/XX/2025, the XXXX XXXX front office raran my credit report to all lenders without authorization. 

We already had our XXXXXXXX XXXX XXXX  lender and he asked if he can check with HIS dealership only if he can do a better deal for us I dis not know that he went out and send to 8 lenders without authorization.

2 weeks later when I saw my credit score went down, I called him up and said what were you doing. I didn't allow as such.

He said they will clean up but 1 hour later his lawyer advised that I have to do it myself.

I then asked you screwed up. What are the phone numbers. He stated that he didn't know as it is done by someone else in the office Mi am filing the complaints to get rid of these HARD INQUIRIES in my record.

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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter through the US postal office as certified mail with a receipt for proof. By law debt collection attempts are supposed to stop for 30 days after while they provide proof of my debt. However, the company Aidvantage whom I sent the debt validation letter to has attempted to continue collecting on the debt by sending a bill statement dating XX/XX/year> -10 days after sending the debt validation letter. This is unlawful collection and should be handled as such. I have suffered damages of 160 points on my credit report as a result of this debt, which is what initially began my pursuit to resolution.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> [ Equifax / Experian / TransUnion ] Subject : Formal Request for Immediate Removal of Inaccurate Negative Items from My Credit Report To Whom It May Concern, I am writing to formally dispute the following inaccurate, outdated, or unverifiable negative entries that appear on my credit report ( see attached copy of report with items highlighted ). As provided under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these items and request their immediate removal or correction. 

The following items are inaccurate or unverifiable : XXXX XXXX XXXX  XXXX ga XXXX XXXXXXXX XXXX : XXXX : Inaccurate because : not my account, XXXX XXXXXXXX : not my account XXXX XXXX XXXX  XXXX : not my account XXXX XXXX  XXXX ; NOT MY ACCOUNT XXXX  XXXX : REMOVE ALL LATE payments XXXX XXXXXXXX XXXX XXXX : not my account XXXX XXXX : not my account XXXX XXXX  XXXX : This item is unverifiable and has no supporting documentation provided to me upon request. 

Remove all inquiries and closed account Under the FCRA, you are required to investigate and delete any information that can not be verified or is found to be inaccurate. If you are unable to provide proper validation within XXXX  days of receiving this letter, I expect these items to be permanently deleted from my report. 

Please send written confirmation that these items have been removed or corrected. I am also requesting an updated copy of my credit report reflecting these changes. 

Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue any further legal remedies available to me under the law. 

I have enclosed the following documents to support my request : A copy of my government-issued ID Proof of address Please consider this letter a formal demand and act accordingly. I expect your written response within XXXX days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief