vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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:
* * XXXX XXXX XXXX XXXX * * - * * Issue * * : Inaccurate reporting ; insufficient information provided to assess specific errors. 
- * * XXXX XXXX Codes * * : - Compliance Condition Code : XXXX ( Disputed under FCRA ). 
- * * Details * * : The information reported for this account is incomplete or inaccurate, but specific details are unclear due to lack of transparency in reporting. Per FCRA and CFPB guidance, Experian must verify all data points with the furnisher and provide clear evidence of accuracy. 
- * * Requested Action * * : Verify all reported data ( Account Status, Payment History, Balance ) with XXXX XXXX XXXX XXXX. Update or delete inaccurate information and provide investigation results. 

* * Additional Requests * * : - Process these disputes via the e-OSCAR system using the provided Metro 2 codes to ensure accurate communication with data furnishers.

- Provide a detailed response, including furnisher verification, investigation steps, and updated credit report, as required by FCRA Section 611 ( a ) ( 6 ).

- If Experian fails to conduct a reasonable investigation, I will escalate this matter to the CFPB, referencing their ongoing scrutiny of your dispute practices. 


* * XXXX * * - * * Issue * * : Inaccurate reporting ; insufficient information provided to assess specific errors. 
- * * Metro 2 Codes * * : - Compliance Condition Code : XA ( Disputed under FCRA ). 
- * * Details * * : The information reported for this account is incomplete or inaccurate, but specific details are unclear due to lack of transparency in reporting. Per FCRA and CFPB guidance, Experian must verify all data points with the furnisher and provide clear evidence of accuracy. 
- * * Requested Action * * : Verify all reported data ( Account Status, Payment History, Balance ) with XXXX XXXX XXXX XXXX. Update or delete inaccurate information and provide investigation results. 

* * Additional Requests * * : - Process these disputes via the e-OSCAR system using the provided Metro 2 codes to ensure accurate communication with data furnishers.

- Provide a detailed response, including furnisher verification, investigation steps, and updated credit report, as required by FCRA Section 611 ( a ) ( 6 ).

- If Experian fails to conduct a reasonable investigation, I will escalate this matter to the CFPB, referencing their ongoing scrutiny of your dispute practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account number XXXX A balance of {$760.00}. I am unaware of this debt and did not have opportunity to dispute this account. If you believe you sent proper notification, Please provide XXXX Mail with receipt displaying my signature. If not, Please delete this from all three credit bureaus account or I will have to take Legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IN

Complaint narrative:
On all of my students loans reported on my account my personal and financial data was compromised violating FERPA. I request full cancellation and have it removed from my report. {$3500.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-05-26 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I do not recognize and did not authorize. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report to a third party with a permissible purpose, such as in connection with a credit application or with my explicit consent. I have not applied for credit with the companies listed below and therefore believe these inquiries were made without a valid legal basis : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As no permissible purpose exists for these inquiries under 1681b, I am requesting their immediate removal from my credit report. Please conduct a reinvestigation into these entries and provide written confirmation of your findings and actions taken within the required 30-day period.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I've kept in contact and provided everything that is required to XXXX on XX/XX/scrub>/25. I also spoken with the supervisor to confirm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
I am writing to formally dispute the reporting of a late payment on my credit report in relation to the above-referenced account. According to 15 U.S.C. 1666b, creditors are required to provide a reasonable time for consumers to make their payments before assessing late fees or reporting the payment as delinquent.

Under the law, a payment must not be treated as late unless the creditor has provided a minimum of 21 days between the date the statement was mailed or delivered and the due date. After reviewing my records, I believe that this standard may not have been met, or that the payment was in fact made within the proper timeframe and incorrectly recorded as late. 
Therefore, I request that you : Conduct an investigation into this matter ;, Provide the specific billing statement in question, including the statement date and due date ;, Correct any inaccuracies found and remove the late payment from all records and any credit bureau to which it was reported ;, Provide written confirmation of the outcome of your investigation., Please consider this letter a formal dispute under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). I expect a response within the time allotted by law. If this matter is not resolved appropriately, I am prepared to escalate the dispute to the Consumer Financial Protection Bureau and other relevant regulators.

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 2025-05-26 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-26 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: LA

Complaint narrative:
I contacted experian equifax and transunion for the past XXXX years once I found out my about the XXXX XXXX XXXXach and it started with the XXXX XXXX breach where my information was compermise i wouldn't have known that if I didn't check my credit i am incompetent and my wife is my caregiver and fiduciary so I don't handle money or anything like that i am XXXX percent XXXX a total of XXXX new accounts showed up on my credit reports that I need remove XXXX different XXXX  XXXX credit cards aspire credit card self credit card a XXXX XXXX XXXX XXXX credit card a XXXX XXXX  XXXX  credit card a XXXX XXXX XXXX account and a XXXX XXXX XXXX i have never lived at some of the address they have on file such as XXXX XXXX XXXX that's alabama address I also never lived at a XXXX XXXX XXXX Place they need to catch who is doing this to me and attach the accounts to there name

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically section 611 ( 15 u.s.c. and 1681i ), 609 ( 15 u.s.c. and 1681i ) and 604 ( 15 u.s.c. and 1681b ).

after reviewing my credit report, I have identified the following inquiries that I do not recognize or authorize. 

XX/XX/XXXXXX/XX/year>2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$71.00XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXXF Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX HMF Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I have been contacted a few times by XXXX XXXX XXXX. I received a mailer from them that gave me the option to dispute the debt. I believe that XXXX ( the original debt ) should not given the debt to a collector, as I was paying it already. Only a portion of the debt was sent to XXXX. 
I sent back a dispute request in the mail on XX/XX/year>. Since then, I have been contact by XXXX XXXX XXXX 3 times asking how I would like to pay. Each time, I have told them I mailed in the dispute request. 
They also have been telling me I the full amount to them, which is not true, since I am still paying XXXX  weekly. 
The original debt was {$9300.00}. But {$4500.00} was sent to XXXX. I can view this on my XXXX account. When they call me, they tell me I owe them {$9300.00} and immediately ask to pay. 
They have not filed my dispute at all and are not responding to my contacting them. The dead line to dispute is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX {$480.00}

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 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX for a charged-off Genesis FS Card Services account. I do not believe they are legally collecting in XXXX. I requested proof of debt ownership and licensing, and they have not responded. They have reported this account to the credit bureaus without proper validation, and I am requesting that the tradeline be deleted. I have disputed this account with all three bureaus and the company directly. Their failure to respond or verify makes this reporting inaccurate and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically section 611 ( 15 u.s.c. and 1681i ), 609 ( 15 u.s.c. and 1681i ) and 604 ( 15 u.s.c. and 1681b ).

after reviewing my credit report, I have identified the following inquiries that I do not recognize or authorize. 

XX/XX/XXXX XX/XX/year>2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation