vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
Subject : Formal Complaint XXXX XXXX XXXX on XXXX. Account I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least XXXX before a payment due date. The XXXX notation Experian reports for XXXX indicates that either XXXX failed to meet this requirement or Experian failed to verify the information. 

15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark.

2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards.

3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. 

Report Details ( per attached XXXX XXXX XXXX XXXX XXXX  Experian XXXX  XXXX {$0.00} {$0.00} {$0.00} Status Current/Open XXXX ( XXXX ) Current/Open Last Payment XX/XX/year> XX/XX/year> Credit Limit {$7500.00} {$7500.00} {$7500.00} Payment History ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both show an unbroken OK history, confirming that Experians XXXX XXXX XXXX is inaccurate. 

XXXX XXXX XXXX XXXX removal of the XXXX XXXX notation from my Experian credit file. 

Written confirmation that the correction has been completed. 

If this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. 

Pursuing legal action for violations of FCRA and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.

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 2025-04-16 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: EdFinancial Services
State: LA

Complaint narrative:
Complaint : Inaccurate Credit Reporting and Poor Loan Servicing I am filing this complaint due to ongoing issues with my student loan creditor, EDFINANCIAL Services L.

This company has reported inaccurate information to the credit bureaus, which has negatively impacted my credit report. Despite multiple attempts to dispute and correct these errors, they remain unresolved. 



I initially contacted EDFINANCIAL Services L on XX/XX/XXXX, to dispute the inaccurate reporting. I followed up again on XX/XX/XXXX, and most recently on XX/XX/XXXX, providing documentation and requesting corrections. Each time, the responses were delayed, inadequate, or unhelpful. 



The creditor has failed to provide clear communication regarding repayment terms and has not responded to my requests for documentation or explanation in a timely manner. I believe their actions may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report accurate and verifiable information.

This situation has caused unnecessary financial stress and harmed my credit standing. I am requesting a full investigation into this matter and immediate correction of all inaccurate entries on my credit report. I also request full documentation of my account history and payment details. 



Creditor Information : EDFINANCIAL Services XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
Several accounts shows that the account was charged off. However, I have never received 1099-c. A balance is being reported even though so I am requesting a copy of the 1099-c

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/year>, I received a generic response from Discover Bank to my formal dispute, which failed to address the specific legal issues I raised. Despite outlining multiple violations under the FCRA and Metro 2 guidelines, Discover did not provide lawful verification, proof of investigation, or any indication that the tradeline was properly reviewed.

The account in question ( Discover Bank credit card ending in XXXX  ) was previously reported as 120+ days late and is still negatively impacting my credit profile, even though it is closed and marked as paid. The reporting is also inconsistent across bureaus, and the creditor has failed to fully resolve the matter after my certified mail notice and CFPB complaint. 

I have now filed a formal Demand for XXXX with XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE 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  These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting a XXXX delinquency on my credit report while an active dispute regarding unauthorized charges of {$3600.00} for lease turn in amounts was ongoing. This reporting has had a significant negative impact on my credit score and was made without resolution of the underlying issue. 

I have made multiple attempts to resolve this matter directly with XXXX. In addition to my own phone calls, XXXX attorneys letters ( dated XX/XX/XXXX and XX/XX/year> ) were sent on my behalf, and XXXX has failed to respond to either of them. They have also ignored my direct outreach and made no effort to address or resolve the charges I am disputing. 

Despite the open and unresolved nature of this dispute, XXXX reported the account as delinquent to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report an account as in dispute when a consumer is actively challenging its validity. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX  conduct and require them to immediately remove or correct the negative reporting from my credit file until the dispute is fully resolved. I am prepared to submit supporting documentation including the attorney letters, a credit report showing the delinquency, and a record of my attempts to contact 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting a XXXX delinquency on my credit report while an active dispute regarding unauthorized charges of {$3600.00} for lease turn in amounts was ongoing. This reporting has had a significant negative impact on my credit score and was made without resolution of the underlying issue. 

I have made multiple attempts to resolve this matter directly with XXXX. In addition to my own phone calls, XXXX attorneys letters ( dated XX/XX/XXXX and XX/XX/year> ) were sent on my behalf, and XXXX has failed to respond to either of them. They have also ignored my direct outreach and made no effort to address or resolve the charges I am disputing. 

Despite the open and unresolved nature of this dispute, XXXX reported the account as delinquent to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report an account as in dispute when a consumer is actively challenging its validity. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX conduct and require them to immediately remove or correct the negative reporting from my credit file until the dispute is fully resolved. I am prepared to submit supporting documentation including the attorney letters, a credit report showing the delinquency, and a record of my attempts to contact XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for reporting a XXXX delinquency on my credit report while an active dispute regarding unauthorized charges of {$3600.00} for lease turn in amounts was ongoing. This reporting has had a significant negative impact on my credit score and was made without resolution of the underlying issue. 

I have made multiple attempts to resolve this matter directly with XXXX. In addition to my own phone calls, XXXX attorneys letters ( dated XX/XX/XXXX and XX/XX/year> ) were sent on my behalf, and XXXX has failed to respond to either of them. They have also ignored my direct outreach and made no effort to address or resolve the charges I am disputing. 

Despite the open and unresolved nature of this dispute, XXXX reported the account as delinquent to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report an account as in dispute when a consumer is actively challenging its validity. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX conduct and require them to immediately remove or correct the negative reporting from my credit file until the dispute is fully resolved. I am prepared to submit supporting documentation including the attorney letters, a credit report showing the delinquency, and a record of my attempts to contact XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer XXXX Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. 
These fraudulent accounts consist of - a Credit Card account opened at Self/Lead on XX/XX/XXXX under the account number XXXX with a balance of {$0.00}, and XXXX other accounts - a Collection account opened at Consumer XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX with a balance of {$260.00},- and XXXX Student Loan accounts opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$3500.00}, - another on XX/XX/XXXX under the same account number with a balance of {$2000.00},- and another on XX/XX/XXXX under the same account number with a balance of {$3500.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 
I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is not mine i demand it be deleted according to the FCRA law 15 USC 1681

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 2025-04-16 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:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EQUIFAX on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by XXXX XXXX XXXX ( D ( XXXX ), yet they have proceeded to place : XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with XXXX XXXX  XXXX ( c ) ( XXXX ) ( XXXX ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXXEQUIFAX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXXFurthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under XXXX XXXX XXXXXXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). EQUIFAXS flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX, accounts on my consumer report providing me the opportunity to dispute the validity of this debt within XXXX  days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a XXXX of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and XXXX XXXX. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EQUIFAX remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-16 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX * * * * Balance : {$1000.00} XXXX XXXX * * * * Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX * * * * Balance : {$1000.00} XXXX XXXX * * * * Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief