vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I have 24 XXXX  loans that have been in forbearance since XX/XX/XXXX. No interest has been accruing. As of date, all 24 loans are still in forbearance with 0 % interest. However, between XX/XX/XXXX and XX/XX/XXXX all 24 loans increased on my credit report - some by XXXX  of dollars. XXXX does not provide itemized monthly statements for each loan - I can only see what it is reporting as currently on their website. I have requested twice itemized statements to determine whether interest was improperly added during the forbearance. There is no reason for the loans to be increasing between XX/XX/XXXX and XX/XX/XXXX. XXXX has failed to provide any explanation, nor have they notified me of any balance increases. I only became aware of this issue because I received a notification from the CRAs that some of my loans have significantly increased in XX/XX/XXXX. Upon review, all XXXX XXXX  loans being reported by XXXX significantly increased - no other loans or credit accounts increased. These loans were reporting as increased with XXXX, Equifax, and XXXX. Some of the XXXX loans even updated to reported as 101 % of the balance usage. This is SIGNIFICANTLY affecting my credit ( as there are 24 loans ). I made XXXX direct disputes with the CRAs and multiple disputes with XXXX. The issue remains ongoing. Either the loans were improperly reported by XXXX to the CRAs as increasing, or XXXX has been deceptively adding interest to my account during forbearance. Either way, this needs to be corrected immediately. This is my final dispute before I purse legal action. Attached are screenshots of my credit report from XX/XX/XXXX and XX/XX/XXXX showing the increase for each loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: WV

Complaint narrative:
I submitted a complaint about a problem with a XXXX  XXXX account on my credit that is closed and shows payment history late payments and everything and the payments do not match my history or anything and when I told them I was complaining to cfpb they went on and deleted something else that was helping my credit did not even mess with the capital one that has a balance on it and turned around and dropped my credit score over XXXX points simply because I told them I was going to do a complaint through the cfpb. This needs to stop immediately. They need to take this off my credit it is a XXXX XXXX account like I said that shows a balance there is also a XXXX XXXX that shows no balance. I am pertaining to the account that has a balance.

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 2025-04-10 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: WA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-10 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: WA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-10 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: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$4900.00} I respectfully ask that you take quick action to resolve the data inconsistencies pertaining to this account. As it significantly affects the credibility of your reports, it is imperative to make sure the information is verified. In order to maintain the required standards and clear the records, kindly take action. 

XXXX XXXX XXXX - Account # XXXX Balance : {$5400.00} I insist on immediate openness about the accuracy and compliance with rules pertaining to the reporting of this account. In the absence of tangible proof of your exacting standards, the only appropriate course of action would be to eliminate all dubious entries from my profile. 

XXXX XXXX XXXX  - Account # XXXX Balance : {$0.00} I draw your attention to possible inconsistencies in the reporting that could unnecessarily affect any future financial decisions made in my name. I demand a thorough review and, if necessary, the total removal of any faulty data because flawless reporting is so important.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXXDate of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 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 2025-04-10 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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!

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 2025-04-10 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: TX

Complaint narrative:
Subject : Request for Verification and Correction of Inaccurate Information on My Credit Report Due to Possible Fraudulent Activity Dear Sir/Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report.

The accounts in question are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NM

Complaint narrative:
I closed my XXXX account in XXXX of XXXX. They continued to bill me through XXXX. I called customer service and they issued a refund for overpayment in XXXX of XXXX. 

Toward the end of XXXX XXXX sent me to collections, and then it went away. 

In XXXX of XXXX XXXX again sent me to collections for a different amount, but still for XXXX. I used XXXX to dispute and showed that I received a REFUND from XXXX after my account was closed.

This has doubly negatively affected my credit score. The company had no business sending me to collections, no less twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am disputing a debt reported by Monterey Financial Services for a vocational training program through XXXX XXXX. I received a refund check from XXXX as part of a recent legal settlement or regulatory action involving their company. This refund was issued without me requesting it, which implies the original contract or debt was mishandled or invalid. 

Despite the refund, XXXX continues to report the debt as seriously past due on my credit report with a balance over {$5000.00}. I contacted them by phone and requested that the account be removed due to the refund and potential invalidity, but the account XXXX dismissed my concerns, refused to acknowledge the refund, and insisted I must still pay the full balance. No proper documentation or validation of the remaining debt has been provided. 

I am asking the CFPB to review this case and assist in having the account removed from my credit reports, as the refund and lack of validation show this debt is not legally or fairly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I have previously disputed fraudulent accounts on my credit report with the credit bureaus numerous of times. I have provided the credit bureaus with documentation letting them know that the information on my credit report does not belong to me. I have asked for the documentation on how the accounts were verified & never received anything. Recent findings by the cfpb have brought light to the concerns regarding the credit bureaus failure to conduct a proper investigation. It has been alleged that XXXX engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C 1681i Equifax is require to conduct a thorough and reasonable reinvestigation of disputed items with 30 days. Any incomplete or unverifiable information must be deleted or corrected. I request that Equifax : 1. Conduct a thorough investigation of the following disputed accounts or items : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete any information that can be verified 3. Provide me with all documentation used to verify the accuracy of the disputed information Also, please delete the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NV

Complaint narrative:
XXXX XXXX was charge off on XXXXXXXX XXXX The account has repeatedly updated as charged off every month. Also update in the payment history. Charge off account shouldn't have active payment history. Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of this following account XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Bureaus and Furnishers for Failure to Comply with 15 U.S. Code 1681i ( 5 ) Unverifiable or Inaccurate Charge-Off Reporting Dear CFPB, I am filing this formal complaint against the three major credit bureaus ( Equifax, Experian, and TransUnion ) and the following furnishers for their failure to delete or correct inaccurate, unverifiable, or outdated charge-off account information in compliance with 15 U.S. Code 1681i ( 5 ) : Charge-Off Accounts in Dispute : XXXX XXXX XXXX Inconsistent dates, inaccurate balance , and charge-off reporting errors. 

XXXXXXXX XXXX XXXX XXXX  Balance reported on charged-off account ; conflicting data. 

XXXX XXXX XXXX Conflicting remarks and activity dates. 

XXXX XXXX XXXX ( XXXX XXXX ) Duplicate charge-off/collection ; status mismatch. 

XXXX XXXX ( XXXX XXXX XXXX  ) Duplicate reporting with original creditor; conflicting dates. 

XXXX XXXX XXXX ( XXXX XXXX ) Open/closed inconsistency ; dispute reporting violation. 

XXXX XXXX XXXX ( XXXX XXXX ) Improper charge-off vs. collection classification ; date and status errors.

These accounts were previously disputed with all three credit bureaus under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( 5 ) : FCRA 1681i ( 5 ) Summary : If, after any reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete or modify the item and notify the furnisher of the change.

Reinserted information must be accompanied by a certification of accuracy, or it can not be placed back on the consumers file. 

Complaint Summary : The bureaus have failed to properly reinvestigate and remove these items. 

Furnishers have continued to report conflicting and unverifiable data, violating Metro 2 and FCRA standards.

I have not received sufficient documentation or updates from the bureaus indicating deletion or correction. 

Sincerely XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NE

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX states that I have perfect history, no late charges & no negative report was generated by XXXX. 
On XX/XX/year> TransUnion complaint filed. I need to know HOW to prevent this smudge on my credit report from happening again. TransUnion cant give me this 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 non-monetary relief
Consumer complaint received 2025-04-10 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:
TransUnion is knowingly reporting a fraudulent and unauthorized accountXXXX XXXX XXXX XXXXXXXX my credit file, despite multiple disputes. This is not the first time Ive brought this to their attention. Both XXXX and XXXX promptly removed the account after I disputed it with them. TransUnion, on the other hand, refuses to take any meaningful action. That alone should be enough to question the legitimacy of the account. I never applied for, opened, or authorized XXXXXXXX XXXX XXXX XXXXXXXX. I never gave written consent for it to be reported, as required by 15 U.S.C. 1681b ( 2 ). TransUnion has provided no evidence, no documentation, and no explanationjust repeated verifications with no real investigation, which violates 15 U.S.C. 1681i. This is not a technical errorits a clear pattern of willful noncompliance. This false account is damaging my credit score and harming my financial standing, peace of mind, and ability to move forward. At this point, TransUnions actions are grossly negligent and show complete disregard for the law and for the rights of consumers. I am demanding that XXXXXXXX XXXX XXXX XXXXXXXX be permanently removed and that TransUnion stop treating this like a routine inquiry when it clearly violates federal law.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief