vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: OH

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 - XXXXXXXX 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 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 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 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 XXXX 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
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A debt collection lawsuit was filed against me in the XXXX XXXX XXXX of Michigan, on or around XX/XX/XXXX. In their legal complaint, the collector stated that I " never disputed the debt. '' This is false. 

I disputed the debt twice through XXXX XXXX in XXXX, which were submitted to the credit bureaus. I never received any written communication or debt validation notice from the collector before the lawsuit was filed. I also never had any phone contact with them. 

The lawsuit was the first time I became aware of their intent to collect. I believe their statement that I never disputed the debt is misleading and potentially violates the Fair Debt Collection Practices Act, specifically XXXX XXXX. XXXX ( XXXX ), for making false representations in connection with a debt. 

I am requesting that this be investigated and that appropriate action be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX Subject : Repeated Failure to Correct Inaccurate Information and Verify Disputes Under the FCRA I am submitting this formal complaint against Experian, Equifax, and TransUnion for their ongoing failure to lawfully respond to multiple credit reporting disputes I initiated concerning inaccurate, outdated, and potentially unverifiable information on my credit reports. 

Despite repeated notices and disputes submitted in good faith, the credit bureaus have failed to conduct proper reinvestigations and have instead returned generic responses claiming the information was " verified '' without supplying the required " method of verification '' or any supporting documentation. This behavior violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose the method of verification 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting Disputed Information Still Unresolved : Chapter XXXX Bankruptcy Furnisher : XXXX Case Number : XXXX Unauthorized Hard Inquiry Creditor : XXXX XXXX NA Date of Inquiry : XX/XX/XXXX Unauthorized Hard Inquiry Creditor : XXXX XXXX NA Date of Inquiry : XX/XX/XXXX Late Payment ( Closed/Paid ) Furnisher : XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) Furnisher : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Furnisher : UPGRADE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Furnisher : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Furnisher : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Incorrect Personal Information Address XXXX XXXX MOUNT XXXX XXXX XXXX XXXX MI XXXX Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Despite multiple disputes XXXX the bureaus failed XXXX : Provide the method and process used to verify each item Identify the furnishing parties with name, title, and contact details Supply any documentation relied upon to continue reporting these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT XXXX XXXXXXXX {$1100.00} To Whom It May Concern, This correspondence is a formal dispute and a demand for full legal validation of the above-referenced collection account that your company is attempting to collect. I, XXXX XXXX XXXX, do not acknowledge this alleged debt. You are hereby instructed to cease all collection activity and credit reporting unless and until full legal validation is provided. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( XXXX ) XXXX and XXXX, you are legally required to provide the following : A copy of the original signed contract or agreement bearing my wet signature, proving my legal obligation to this alleged debt. 
A binding agreement detailing the specific terms and obligations agreed upon by both parties. 
A complete flow sheet or transaction ledger from inception to present, showing all debits, credits, fees, and interest applied. 
Documentation of assignment or ownership, showing the complete chain of assignment from the original creditor to your company. 
Evidence that this debt is not beyond the statute of limitations in Illinois, including last date of activity and supporting legal reference. 
Proof of your licensing to operate and collect debts in Illinois, including license number and governing agency. 
The full name, title, and department of the individual who allegedly verified this debt with any consumer reporting agency. 
A signed and notarized affidavit stating that you did not use XXXX or any automated dispute system in response to prior disputes, and that a proper investigation was conducted as required under FCRA 611. 
Be advised : A statement, billing summary, or screen printout does not constitute legal validation. If you fail to fully validate this account within XXXX calendar days, you must : Immediately remove this account from all XXXX  major credit reporting agencies ( XXXX XXXX, and XXXX  ) Permanently cease and desist from any and all collection activity Failure to comply will result in : Immediate formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney XXXX XXXX XXXX legal action seeking maximum statutory damages for violations of FDCPA, FCRA, and XXXX This is your final legal notice. I reserve all rights under XXXX XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of fraudulent account that appear on my credit reports. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below. 

Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2024

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Milliman, Inc.
State: FL

Complaint narrative:
XX/XX/year>XXXX  I was denied XXXX medigap insurance based on an erroneous report from Milliman XXXX. I received milliman 's report which claimed that I had XXXX  which is an automatic denial for XXXX insurance. However I have never had XXXX, I had XXXX XXXX XXXX  there is a very vast and grave difference between these XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and is not a basis for insurance denial. 
XX/XX/XXXX my primary care doctor and XXXX  provided XXXX  report documenting that I did not have XXXX  but rather I had XXXX XXXX XXXX. My board certified XXXX  also sent a letter stating the exact same issues, I have never had XXXX, I had XXXX XXXX XXXX all three were removed, there are no further test, treatments or XXXX  required. The XXXX  report states XXXX XXXX XXXX yet milliman refuses to correct the false allegations of XXXX. They refused to provide their source of this erroneous information. And they have now sent it not only to XXXX who denied my application but they also sent it to mutual of XXXX who I don't believe requested the information. I have never had XXXX. this must be removed from my record if there is any way you can please assist me I would greatly appreciate it. I have supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: 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.

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a scam. They pretend that they are a collection agency on behalf of Chase Bank. They called me and had all my personal information, except I never had such credit card. They told me a credit card number ending in XXXX. They told me that they were going to subpoena me if I did not pay and go to court. Then, there would be a lien on my house. They told me that they had trying sending me numerous notices, which I had never received. It was al via email, no hard copies. I realized after that this was fraud and scam. I contacted Chase Bank and they don't have any outstanding debts with me and no credit card with XXXX. 

They were so convincing that they even had your phone number tied to the last 4 digits of your SS #. They had all my personal information. They even sent me a document to collect via email. But all a fraud. They used the numbers : ( XXXX ) XXXX and XXXX I also have attached a copy of the fraud document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Informative Research
State: IL

Complaint narrative:
To whom he may concern : XX/XX/XXXX Inaccurate reporting PLEASE REMOVE IMMEDIATELY Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Advantage Credit, Inc.
State: IL

Complaint narrative:
To whom he may concern : XX/XX/XXXX Inaccurate reporting PLEASE REMOVE IMMEDIATELY Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-07-29 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: GA

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was a victim of id theft and it was proven to be true, yet old and incorrect information incorrect to resurface in my credit retort, doing my credit score

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 2025-07-29 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: GA

Complaint narrative:
I am the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to block such information within four business days of receiving a valid request. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief