vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit file. Upon reviewing my credit report, I found the following errors and respectfully request that they be investigated and removed accordingly : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} This account is over XXXX years old and, per FCRA Section 605 ( a ), should no longer appear on my credit report. Please remove it immediately. 

XXXX XXXX Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} This information is inaccurate and unverifiable. Under FCRA Section 611, I request that it be corrected or removed from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account is over seven years old, and per FCRA Section 605 ( a ), it should no longer be reported. Please remove it immediately. 

XXXX XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX This account is over seven years old and should no longer appear on my credit report per FCRA Section 605 ( a ). Please remove it promptly. 

I kindly request a thorough investigation into these discrepancies and for my credit report to be updated accordingly. I also request a written confirmation upon resolution. 

Please find enclosed copies of my credit report highlighting these accounts and any supporting documentation. If you require additional information, do not hesitate to contact me at [ Your Phone Number ] or [ Your Email ]. 

Thank you for your time and assistance in resolving this matter. I appreciate your prompt attention to this dispute. 

Sincerely, 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 2025-03-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against the credit reporting agencies Equifax, TransUnion, and Experian for persistent and egregious violations of the Fair Credit Reporting Act ( FCRA ). These agencies have failed to fulfill their legal obligations, causing me years of financial hardship, reputational damage, and emotional distress.

FCRA Violations Committed by All Three Bureaus 1. 1681e ( b ) Reporting of Inaccurate Information - Inaccurate and contradictory payment histories and account statuses.

- Student loans appearing on my report without my consentthese must be removed. 
- Contradictory data between bureaus for the same accounts ( e.g., XXXX XXXX XXXX, XXXX XXXX ). 

2. 1681i ( a ) Failure to Properly Investigate Disputes - Disputes were dismissed prematurely or marked subscriber disagrees without proper reinvestigation.

3. 1681i ( a ) ( 5 ) ( B ) Reappearance of Previously Deleted Items - Disputed accounts were reinserted without required notice or certification from data furnishers.

4. 1681s-2 ( a ) ( 3 ) Failure to Flag Items as Disputed - Certain tradelines were not marked appropriately as disputed by consumer, misleading third parties.

5. 1681m ( a ) Failure to Notify of Negative Reporting - No notice was provided when derogatory items were added to my file. 

Privacy & Security Breach I have reason to believe XXXX XXXX or related parties accessed my personal data without authorization. I request immediate security/fraud alerts be placed on all three credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against the credit reporting agencies Equifax, TransUnion, and Experian for persistent and egregious violations of the Fair Credit Reporting Act ( FCRA ). These agencies have failed to fulfill their legal obligations, causing me years of financial hardship, reputational damage, and emotional distress.

FCRA Violations Committed by All Three Bureaus 1. 1681e ( b ) Reporting of Inaccurate Information - Inaccurate and contradictory payment histories and account statuses.

- Student loans appearing on my report without my consentthese must be removed. 
- Contradictory data between bureaus for the same accounts ( e.g., XXXX XXXX XXXX, XXXX XXXX ). 

2. 1681i ( a ) Failure to Properly Investigate Disputes - Disputes were dismissed prematurely or marked subscriber disagrees without proper reinvestigation.

3. 1681i ( a ) ( 5 ) ( B ) Reappearance of Previously Deleted Items - Disputed accounts were reinserted without required notice or certification from data furnishers.

4. 1681s-2 ( a ) ( 3 ) Failure to Flag Items as Disputed - Certain tradelines were not marked appropriately as disputed by consumer, misleading third parties.

5. 1681m ( a ) Failure to Notify of Negative Reporting - No notice was provided when derogatory items were added to my file. 

Privacy & Security Breach I have reason to believe XXXX XXXX or related parties accessed my personal data without authorization. I request immediate security/fraud alerts be placed on all three credit 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 2025-03-13 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: 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 # XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX # XXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00}

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 explanation
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-13 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: CA

Complaint narrative:
i did not open thses accounts please remove uder section 605b iv been a victim of identitiy theft

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 2025-03-13 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-13 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-13 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: Kikoff Inc.
State: TX

Complaint narrative:
I am disputing the negative and derogatory information on my credit report under the Fair Credit Reporting Act ( XXXX  ) [ XXXX XXXX. XXXX ], the Fair Debt Collection Practices Act ( XXXX  ) [ XXXX XXXX. XXXX ], and the Uniform Commercial Code ( XXXX ) XXXX. These inaccurate and unverifiable accounts have resulted in credit denials, higher interest rates, and financial hardship, warranting both removal and compensation. 

Legal Basis for Dispute & Compensation Demand : Lack of Proper Verification : I request the original contract with my wet-ink signature proving my agreement to these debts. If the creditor can not provide this, the information must be immediately removed. 
Violation of XXXX XXXX : If any entity claims I owe a debt, they must produce the original, legally binding instrument of indebtedness. Failure to do so renders their claim invalid. 
FCRA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX, knowingly reporting false or unverified information is a violation, making the reporting entity liable for damages. 
Demonstrable XXXX XXXX to False Reporting : I have suffered loan denials, increased interest rates, and financial losses directly caused by these inaccuracies. Per the FCRA, I am entitled to monetary compensation for these damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: OK

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX has knowingly reported false late payments on my credit report despite clear evidence proving that : 1. XX/XX/XXXX XX/XX/XXXX : My XXXX account was suspended due to XXXX internal system issues. No payments were due, yet XXXX falsely reported late payments during this period. 


2. XXXX XX/XX/XXXX : XXXX falsely reported late payments for a refunded transaction that should never have been considered delinquent. 


3. XX/XX/XXXX : XXXX reported a late payment when I actually paid too early, which led to a late fee and a negative credit report entry. 



Legal Violations by XXXX : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate credit information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct or delete incorrect information. 

XXXX XXXX Compliance Violation Reporting a refunded transaction as delinquent and late payments during a suspended period violates industry standards.

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 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX has knowingly reported false late payments on my credit report despite clear evidence proving that : XXXX. XX/XX/XXXX XX/XX/XXXX : My XXXX account was suspended due to XXXX internal system issues. No payments were due, yet XXXX falsely reported late payments during this period. 


XXXX. XXXX XX/XX/XXXX : XXXX falsely reported late payments for a refunded transaction that should never have been considered delinquent. 


XXXX. XX/XX/XXXX : XXXX reported a late payment when I actually paid too early, which led to a late fee and a negative credit report entry. 



Legal Violations by XXXX : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate credit information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct or delete incorrect information.

Metro 2 Compliance Violation Reporting a refunded transaction as delinquent and late payments during a suspended period violates industry standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: AL

Complaint narrative:
To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to formally dispute multiple inaccurate and negative accounts being reported by ( Experian ) on my credit report. I demand an immediate investigation and removal of the following accounts off of my credit report. Due to these errors, I have suffered severe financial hardship and this has prevented me from securing a mortgage, placing me at risk of homelessness. Additionally, the undue stress caused by this ordeal has resulted in emotional distress, damage to my reputation, and economic loss.

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 2025-03-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Sunday, XX/XX/XXXX I placed an order for XXXX {$500.00} gift cards. The total of this transaction was {$10000.00} which included an activation fee for each card. The purchasing fee for each card is {$5.00}. I was able to activate 5 of the cards and have used 4 of them. The remaining 15 are blocked and will not activate. These have been paid in full and have been processed by my credit card company. I have requested a resolution as I need those cards now but they are telling me that I have to wait and call them back. They have blocked my phone number from activating cards and when I use another phone they have put a block on the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was 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 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 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 2025-03-13 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: GA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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