vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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:
What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and TransUnion credit reporting agency , turned over my personal information to an agency that is appearing on my consumer credit report that I gave no consent nor sign any documents that my information was to be given to any 3rd party office, in which my personal information is in risk to be stolen or be found on the dark web from a breach. Ive also been a victim of identity theft and fraud. I demand that within 4 business days of you receiving this complaint. This matter be fix, or it will be in the honor of the judge to see that information is being given without consent and I will be ask that this matter is compensated if not remove XXXX pre reporting credit bureau. For fraudulent, inaccurate, and false information consists of a personal credit card account given without my written consent To XXXX XXXX XXXX under the account number ( XXXX ), an XXXX XXXX XXXX XXXX XXXX and also to XXXX XXXX XXXX XXXX a credit card account opened at Capital One.These accounts have resulted in 2 fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to formally request your assistance regarding a medical collection account that continues to appear on my credit report in violation of recently enacted consumer protection laws. 

The account in question is being reported by : Name : XXXX XXXX XXXX Address : XXXX, OH XXXX Phone Number : ( XXXX ) XXXX Original Creditor : XXXX XXXX Family and Cosmetic I submitted a dispute to the credit bureaus regarding this account, citing the updated federal law that mandates the removal of all medical collection debt from consumer credit reports as of XX/XX/year>. This includes paid and unpaid medical collections, per the new policy. 

However, on XX/XX/year>, the credit bureaus concluded their investigation and stated that the account had been verified, with the following notations : Experian : Account previously in dispute, investigation complete, reported by data furnisher.

TransUnion and Equifax : Also confirmed the account as verified.

This response is deeply concerning, as the collection clearly falls under the category of medical debt, which per the new law, should have been removed from my credit file. I respectfully request that the CFPB review this matter and ensure compliance with the new federal guidelines regarding the reporting of medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to formally request your assistance regarding a medical collection account that continues to appear on my credit report in violation of recently enacted consumer protection laws. 

The account in question is being reported by : Name : XXXX XXXX XXXX Address : XXXX, OH XXXX Phone Number : ( XXXX ) XXXX Original Creditor : XXXX XXXX Family and Cosmetic I submitted a dispute to the credit bureaus regarding this account, citing the updated federal law that mandates the removal of all medical collection debt from consumer credit reports as of XX/XX/year>. This includes paid and unpaid medical collections, per the new policy. 

However, on XX/XX/year>, the credit bureaus concluded their investigation and stated that the account had been verified, with the following notations : Experian : Account previously in dispute, investigation complete, reported by data furnisher.

TransUnion and Equifax : Also confirmed the account as verified.

This response is deeply concerning, as the collection clearly falls under the category of medical debt, which per the new law, should have been removed from my credit file. I respectfully request that the CFPB review this matter and ensure compliance with the new federal guidelines regarding the reporting of medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

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 2025-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.

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 2025-04-14 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: PA

Complaint narrative:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am a survivor of human trafficking and invoked my legal rights under the Debt Bondage Repair Act and FCRA 605C, which allows survivors to block adverse information caused by their trafficking experience from appearing in consumer reports.

I submitted a formal written request to LexisNexis, including proper documentation of my status under FCRA 605C. My request met all statutory requirements and was delivered to the appropriate address. 
However, I have not received any response, confirmation, or action from LexisNexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account opened XX/XX/year> making it over 7 years old. Charge-offs may only be reported for 7years from the date of first delinquency. the account is charged off and reflecting a balance of {$5300.00} the account shows 40 % paid off indicating no expectation of payment also has contradictory payment statuses ( " XXXX  XXXX XXXX XXXX XXXX and late payments. I will submit prof of this with uploands.

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 2025-04-13 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: CA

Complaint narrative:
XXXX did not apply my monthly payments accordingly. XXXX assumed at times that I was making principal payments on some of my monthly payments that I made. On some of my payments, they applied them towards the next month 's payment, which is what I had intended to happen. I never indicated on my payment or payments that I was making principal payments. I informed XXXX customer services. XXXX 's customer service would give me different information each time I called. 

XXXX is still reporting on my credit report incorrectly. The account was closed in XX/XX/XXXX. 
XXXX is currently reporting me 30 days late on XX/XX/XXXX. When this account was closed in XXXX. 

This is paid in full and closed on 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 2025-04-13 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: CA

Complaint narrative:
XXXX did not apply my monthly payments accordingly. XXXX assumed at times that I was making principal payments on some of my monthly payments that I made. On some of my payments, they applied them towards the next month 's payment, which is what I had intended to happen. I never indicated on my payment or payments that I was making principal payments. I informed XXXX customer services. XXXX 's customer service would give me different information each time I called. 

XXXX is still reporting on my credit report incorrectly. The account was closed in XX/XX/XXXX. 
XXXX is currently reporting me 30 days late on XX/XX/XXXX. When this account was closed in XXXX. 

This is paid in full and closed on 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 non-monetary relief
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
XXXX did not apply my monthly payments accordingly. XXXX assumed at times that I was making principal payments on some of my monthly payments that I made. On some of my payments, they applied them towards the next month 's payment, which is what I had intended to happen. I never indicated on my payment or payments that I was making principal payments. I informed XXXX customer services. XXXX 's customer service would give me different information each time I called. 

XXXX is still reporting on my credit report incorrectly. The account was closed in XX/XX/XXXX. 
XXXX is currently reporting me 30 days late on XX/XX/XXXX. When this account was closed in XXXX. 

This is paid in full and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: AZ

Complaint narrative:
I am filing this complaint because I submitted a dispute through XXXX XXXX/TransUnion on XX/XX/year>, regarding a collection account that was opened fraudulently and does not belong to me. As of today ( over XXXX  days later ), I have not received the results of the investigation. 

When I log into TransUnion directly, the dispute does not appear in my dispute history. The account still shows as open and in collections, with a remark stating, Account information disputed by consumer ( FCRA ) ; PLACED FOR COLLECTION, but there is no indication that the matter has been resolved. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to complete disputes within XXXX  days. I am requesting that this account be removed from my credit report immediately, as it is inaccurate and was opened fraudulently.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Written and verbally told contact via mail XXXX only do not call. Called at work 43 times since XXXX till XXXX after being told. Called at work while working today XXXX. Call 7 days a week all hours of day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint Subject : Dispute of Inaccurate and Inconsistent Credit Reporting Request for Deletion and Legal Compensation To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file across the three major credit bureaus TransUnion, Experian, and Equifax. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 1681s-2 ( b ), which require that all consumer credit reporting must be accurate and consistent. 

Accounts in Dispute : XXXX. XXXX Auto Loan Account # : XXXX - TransUnion & Experian : Reported as Charge Off / Collection - Equifax : Reported as *OK / Current* - This inconsistency in status violates the requirement for accurate and consistent reporting. 

XXXX. XXXX XXXX XXXX XXXX # XXXX Account # : XXXX - TransUnion & Experian : Derogatory / Charged Off - Equifax XXXX OK / Paid As Agreed XXXX. XXXX Auto Finance Loan # XXXX Account # : XXXX ( Reported twice ) - TransUnion & Experian : XXXX XXXX / XXXX - Equifax : Reported as OK for same dates- There are XXXX separate entries under the same account number with different charge-off balances and inconsistent payment histories. 

XXXX. XXXX Auto Loan Account # : XXXX - TransUnion & Experian : *Charge Off / Derogatory - Equifax : XXXXGood Standing / OK* These conflicting account statuses across agencies violate FCRA 1681e ( b ), which mandates maximum possible accuracy. Additionally, once a dispute is filed, FCRA 1681s-2 ( b ) requires the data furnishers and agencies to *correct or delete inaccurate, unverifiable, or inconsistent information* and prevent its reappearance. 

My Requests : 1. Immediate deletion of these inaccurate and conflicting accounts from all consumer reporting agencies. 
2. Blocking of these entries from being reinserted unless the data is verified and consistently corrected across all bureaus. 
3. A full investigation into the reporting practices of the furnishers involved ( XXXX, XXXX, XXXX ). 
4. Compensation for the emotional and financial harm caused by this misinformation including increased loan denials, interest rates, and credit rejections. 
5. Preserve my right to pursue legal action under FCRA 1681n and 1681o for willful or negligent noncompliance, including statutory and punitive damages. 

Attached Documentation : - Credit Report with highlighting of the conflicting reports- Screenshots from XXXX report with inconsistent account details The ongoing negative impact of this misinformation is causing severe hardship, and I expect a swift and lawful resolution. Please confirm in writing the actions taken regarding this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MOHELA
State: MO

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This is the account that I marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
Credit reporting agencies are in violation of my consumer reports, in violation of 15 U.S. Code 1681 ( b ) under the FCRA.

Company response to consumer: Closed with explanation