vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint because my consumer report contains multiple inaccurate and unauthorized items that are violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, the reporting agencies and furnishers have failed to ensure accuracy, proper verification, and lawful reporting. 

XXXX. Wrong / Inaccurate Addresses Reported The following addresses listed on my credit report are not mine, not connected to me, and completely inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address XXXX XXXX  XXXX, XXXX, SC XXXX XXXX Address These addresses do not belong to me, I have never lived at these locations, and they must be removed immediately. Reporting false addresses is a serious violation of FCRA 609 and 610 regarding proper file accuracy and maintenance. 

XXXX. Unauthorized Charge-Off Account No Knowledge of This Account XXXX Account XXXX XXXX High Balance : {$900.00} Date Opened : XX/XX/year> Status : Charge Off I have no knowledge of this account, have never opened this account, and have never authorized XXXX ( or any associated collection agency ) to create any account in my name. 
This appears to be either identity theft, mixed-file error, or incorrect reporting, and must be fully investigated. 

Under FCRA 602A and 611, furnishers and credit bureaus must verify the accuracy of an account before reporting, and if they can not provide full proof of authorization and ownership, the account must be deleted immediately. 

Requested Actions I am requesting that the CFPB require the credit bureaus and the furnishers to : Remove all inaccurate and unauthorized addresses listed above. 

Provide full documentation proving I opened and authorized the XXXX account or delete it immediately if verification can not be proven. 

Ensure all future reporting complies with FCRA accuracy standards. 

Conclusion These errors are causing me harm, damaging my credit profile, and violating my rights under federal law. I am requesting prompt investigation and correction. 

Thank you for your attention.

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 2025-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly 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 2025-11-19 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 am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXXXXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over XXXX  days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with 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 2025-11-19 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: TX

Complaint narrative:
They purchased an alledged debt from speedy cash I sent them proof I paid it off but they still refuse to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
They purchased an alledged debt from speedy cash I sent them proof I paid it off but they still refuse to correct the situation.

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 2025-11-19 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:
I am disputing the following accounts on my Experian credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$6000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$5700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} Inquiries XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX Late Payments 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 2025-11-19 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:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : ( No accounts listed for Equifax ) Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX Date of Inquiry : XX/XX/year> XXXX  Date of Inquiry : XX/XX/year> Late Payment Accounts : XXXX Account Number : XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX  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 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 2025-11-19 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: AL

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 XXXX  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 non-monetary relief
Consumer complaint received 2025-11-19 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-11-19 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: LA

Complaint narrative:
I submitted a dispute letter on XX/XX/year> and the Credit Bureaus verified all the accounts when there were detailed inconsistencies reporting and metro 2 violations that were just inaccurate which according to the FCRA guidelines all information must be accurate to the upmost possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I submitted a dispute letter on XX/XX/year> and the Credit Bureaus verified all the accounts when there were detailed inconsistencies reporting and metro 2 violations that were just inaccurate which according to the FCRA guidelines all information must be accurate to the upmost possibility.

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 2025-11-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX institutional/private student loan currently placed with Coast Professional , Inc . I am a low-income borrower experiencing significant financial hardship, and I believe XXXX XXXX and the collection agency have not provided requested information, have failed to offer reasonable repayment options, and are threatening inappropriate collection actions. 

XXXX. Lack of required validation and failure to respond to written requests In XXXX, I mailed a written letter to Coast Professional requesting validation of the debt and additional information about a possible deferment or reasonable repayment options. I only received validation of the debt/ a copy of my loan contract. 

On XX/XX/XXXX, after receiving an escalation notice stating that my account would be referred to the California XXXX XXXX XXXX ( XXXX ) for involuntary collection, I emailed XXXX XXXX Collections directly at XXXX. as instructed. In that message, I acknowledged the debt, explained my financial hardship, and formally requested an affordable payment plan of {$40.00} per month, which reflects the maximum I can pay currently while maintaining basic needs. 

XXXX XXXX has not responded to that email as of today, and my attempts to follow up with the collection agency have only resulted in being told that I must pay the entire amount upfront before they will discuss options. 

XXXX. Refusal to communicate or offer any reasonable repayment plan Both XXXX XXXX and Coast Professional have repeatedly refused to work with me unless I pay the full balance of {$2200.00}. This is not feasible given that : -I became unemployed on XX/XX/XXXX -I receive Medi-Cal and XXXX XXXX XXXX loans are enrolled in the XXXX plan, which has determined I have no discretionary income until XX/XX/XXXX -I am actively certifying for unemployment benefits and searching for work Despite explaining this and offering a reasonable payment plan, neither XXXX XXXX nor Coast has provided assistance or alternative options. 

XXXX. Threat of inappropriate state tax intercept for what functions as a private loan XXXX XXXX is threatening to refer the account to the California XXXX XXXX XXXX for involuntary collection ( tax refund intercept, wage garnishment, etc. ), even though this is a private institutional loan, not a state-issued debt or a federal student loan. 

This appears to be an unfair or abusive practice, and it leaves me with no recourse since private loans do not have income-driven repayment options or other protections. 

I am trying in good faith to address this debt, but I am being prevented from doing so by both the university and the collection agency.

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 2025-11-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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