vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MA

Complaint narrative:
I was reviewing my credit report and noticed a collection account from LJ Ross Associates for a utility bill allegedly owed to XXXX in the amount of {$86.00}. I contacted LJ Ross directly and, after confirming my identity, was informed by their representative that this account is no longer with them. They stated they had submitted deletion requests to the credit bureaus. 

However, the collection is still actively reporting on my credit profile. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), furnishers must ensure maximum possible accuracy. Continuing to report a collection account that is no longer being serviced or verified by the data furnisher constitutes materially inaccurate reporting.

Additionally, under 15 USC 1681s-2 ( b ), once a furnisher becomes aware of a dispute or that the tradeline is no longer valid, they must update or delete the account promptly. LJ Rosss failure to ensure deletion after withdrawal, and redirecting me to each credit bureau, violates their obligations as a furnisher and causes continued harm to my credit.

This issue also raises FDCPA compliance concerns. LJ Ross had no current collection authority and continued reporting may be construed as deceptive or misleading under 15 USC 1692e.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Account : BullCity Financial Sol # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account l # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I was told the company would remove all late payments from my credit report but they havent been removed yet. 
Attached is a photo of a letter in the mail from TransUnion and a XXXX  from equifax of the resolution they came up with after responding to my previous dispute stating they would remove all late payments from my credit report from all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
Subject : Notice of FCRA Violations Demand for Immediate Investigation and Correction In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally notifying you that the following accounts have violated my federally protected consumer rights to privacy and accuracy under 15 U.S.C. 1681 : Account Name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX # XXXX has violated my rights. 

Account Name : XXXX. XXXX, XXXX # XXXX has violated my rights. 

Bankruptcy Record : XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX # XXXX has violated my rights. 

Account Name : Department of Education XXXX XXXX # XXXX has violated my rights. 

On XX/XX/year>2025 I looked at my TransUnion Report and Noticed somethings 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
I placed a dispute for accounts on my collection report for anything inaccurate or incorrect. I have been receiving calls and emails from debt collectors. The name of the company on my credit report and the name of the company contacting me are different. The information disputed with the credit bureau 's was returned as verified and updated. The information can't be verified and updated if I have others trying to collect on the balance. The account with XXXX account number XXXX was removed from my Experian account but is still on my Equifax report. The following accounts were disputed XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) and returned as verified. I have attached a copy of my drivers license, social security card and proof of address.

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 2025-06-13 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: LA

Complaint narrative:
I placed a dispute for accounts on my collection report for anything inaccurate or incorrect. I have been receiving calls and emails from debt collectors. The name of the company on my credit report and the name of the company contacting me are different. The information disputed with the credit bureau 's was returned as verified and updated. The information can't be verified and updated if I have others trying to collect on the balance. The account with XXXX account number XXXX was removed from my Experian account but is still on my Equifax report. The following accounts were disputed XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) and returned as verified. I have attached a copy of my drivers license, social security card and proof of address.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, 2023 and XXXX, 2023. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, 2023 and XXXX, 2023. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 have been made aware that my personal information has been compromised and breached through several databases. Due to this, there are multiple accounts on my credit profile that I do not recognize. To help solve this issue I have prepared and submitted an FTC report that will be attached. I would like these accounts to be validated under FCRA laws. Please keep in mind that they must be validated and not verified. If they can not successfully be validated, I am requesting that they be removed from my credit profile permanently. 

Please see attached files.

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 2025-06-13 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 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 rectifytheseissues. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I was told the company would remove all late payments from my credit report but they havent been removed yet. 
Attached is a photo of a letter in the mail from TransUnion and a XXXX  from equifax of the resolution they came up with after responding to my previous dispute stating they would remove all late payments from my credit report from all accounts.

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 2025-06-13 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: NY

Complaint narrative:
I am writing to dispute the accuracy and legality of the reporting of the following accounts on my credit report. These accounts are being reported as charged off, which is inaccurate, misleading, and in violation of several federal consumer protection laws.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Address ( es ) on Credit Report Dear [ Equifax / Experian / TransUnion ], I am writing to dispute XXXX or more addresses listed on my credit report that are not associated with me. These addresses are incorrect and do not reflect my residential history. I request that you investigate and remove them from my credit file as required under the Fair Credit Reporting Act ( FCRA ). 

Incorrect Address ( es ) to Be Removed : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA These addresses are unfamiliar and may have been added in error or as a result of identity theft. I have never lived at these locations and have no connection to them. 

Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Enclosed are copies of documents to verify my identity and current address : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address ( Optional ) A copy of a lease agreement or mortgage statement Please investigate this matter and provide written confirmation that the inaccurate address ( es ) have been removed. I also request an updated copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IA

Complaint narrative:
I recently received a copy of my credit report and noticed multiple inaccurate 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX I tried several times to complete a XXXX  repayment plan. The system would not allow me to submit. On XX/XX/XXXX, XXXX accepted my XXXX  request and put me on a temporary forbearance. On XX/XX/XXXX, I received a notice from my mortgage loan officer, that my student loans reported XXXX days past due and that they would have to deny my loan .. my score dropped over XXXX points. I then contacted XXXX several times to find out what was going on. The only thing they could tell me was that my account was showing current and the forbearance went back to XX/XX/XXXX. The only letter that they were able to provide was an " account current '' letter and stated several times that they could not do anything about the " credit reporting. '' I explained several times that I was never notified about my account going into a delinquent status. They did not have current contact information until I applied for the XXXX plan. I requested several times for them to investigate their attempts to contact and they refused. As on XX/XX/XXXX, my account is reporting current, however, due to the XXXX day late remark my score did not recover enough for me to try to apply for another home loan until several years from now. This is unlawful and does not show fairness or goodwill.

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 2025-06-13 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: GA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX I tried several times to complete a XXXX  repayment plan. The system would not allow me to submit. On XX/XX/XXXX, XXXX accepted my XXXX request and put me on a temporary forbearance. On XX/XX/XXXX, I received a notice from my mortgage loan officer, that my student loans reported XXXX days past due and that they would have to deny my loan .. my score dropped over XXXX points. I then contacted XXXX several times to find out what was going on. The only thing they could tell me was that my account was showing current and the forbearance went back to XX/XX/XXXX. The only letter that they were able to provide was an " account current '' letter and stated several times that they could not do anything about the " credit reporting. '' I explained several times that I was never notified about my account going into a delinquent status. They did not have current contact information until I applied for the XXXX plan. I requested several times for them to investigate their attempts to contact and they refused. As on XX/XX/XXXX, my account is reporting current, however, due to the XXXX day late remark my score did not recover enough for me to try to apply for another home loan until several years from now. This is unlawful and does not show fairness or goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX I tried several times to complete a XXXX  repayment plan. The system would not allow me to submit. On XX/XX/XXXX, XXXX accepted my XXXX  request and put me on a temporary forbearance. On XX/XX/XXXX, I received a notice from my mortgage loan officer, that my student loans reported XXXX  days past due and that they would have to deny my loan .. my score dropped over XXXX points. I then contacted XXXX several times to find out what was going on. The only thing they could tell me was that my account was showing current and the forbearance went back to XX/XX/XXXX. The only letter that they were able to provide was an " account current '' letter and stated several times that they could not do anything about the " credit reporting. '' I explained several times that I was never notified about my account going into a delinquent status. They did not have current contact information until I applied for the XXXX plan. I requested several times for them to investigate their attempts to contact and they refused. As on XX/XX/XXXX, my account is reporting current, however, due to the XXXX  day late remark my score did not recover enough for me to try to apply for another home loan until several years from now. This is unlawful and does not show fairness or goodwill.

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 2025-06-13 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: CA

Complaint narrative:
I'm reaching out to demand the immediate deletion of an unauthorized credit inquiry made by your company, which now appears on my credit report. I want to be absolutely clear : I never gave permission, written or verbal, for my credit to be pulled. 

This inquiry was made without my knowledge or consent, and as such, it constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Not only is this a breach of my privacy, but its also damaging to my credit profilecompletely without justification. 

Let me state this plainly : I did not apply for credit with your company. 
I did not authorize any inquiry, soft or hard. 
I have no existing relationship with your organization that would legally justify accessing my credit 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