vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: TX

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 non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
My nonpublic personal information has been unlawfully disclosed to non-affiliated third parties without my consent, violating my privacy rights under federal law, including the Gramm-Leach-Bliley Act. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA 604 ( 15 U.S.C. 1681b ). Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This school was flagged for questionable financial aid practices and CLOSED because of it. I disputed with XXXX  - almost a year later I received and email from XXXX. I took the same steps with them that I took with XXXX and nothing. I get emails every XXXX  days or so telling me how much I owe. When I qualify for full forgiveness. For one, the school closing and two both of these servicers have civil action lawsuits against them for predatory and inaccurate lending practices.

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 2025-06-02 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: TX

Complaint narrative:
This school was flagged for questionable financial aid practices and CLOSED because of it. I disputed with XXXX  - almost a year later I received and email from XXXX. I took the same steps with them that I took with XXXX and nothing. I get emails every XXXX  days or so telling me how much I owe. When I qualify for full forgiveness. For one, the school closing and two both of these servicers have civil action lawsuits against them for predatory and inaccurate lending practices.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This school was flagged for questionable financial aid practices and CLOSED because of it. I disputed with XXXX - almost a year later I received and email from XXXX. I took the same steps with them that I took with XXXX and nothing. I get emails every XXXX  days or so telling me how much I owe. When I qualify for full forgiveness. For one, the school closing and two both of these servicers have civil action lawsuits against them for predatory and inaccurate lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear CCS collection / Cfpb ; On XX/XX/XXXX, I noticed that a collection account from CCS Collection for XXXX XXXX ( Account # XXXX ) appeared on my credit report. The account shows a {$0.00} balance and is listed as Paid, with the original assignment dating back to XX/XX/XXXX. 

I dispute this accounts continued reporting on my credit file for the following reasons : I was never properly notified or invoiced by CCS Collection, nor given the opportunity to validate or contest the debt before it was placed on my report. 

The debt is now paid in full and reporting a {$0.00} balance, which provides no material value to lenders but causes undue harm to my creditworthiness. 

Under FCRA 1681e ( b ), data furnishers must ensure information reported is both accurate and fair, and this post-paid derogatory mark fails that standard. 

Continued reporting of a paid collection account that was not transparently disclosed or validated at the time of collection is inconsistent with XXXX XXXX reporting guidelines, widely used for credit data integrity. 

I formally request the following under the FCRA and FDCPA : Immediate deletion of this collection account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ) ; A written statement confirming the account has been removed and will not be reported in the future ; That no further information about this account be reinserted without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding a debt that is being reported twice on my XXXX XXXX by XXXX separate collection agencies. 
Both agencies are attempting to collect on the same debt, originally owed to XXXX XXXX XXXX ( XXXX ), for the same account and identical dollar amount. The fact that these accounts have matching details clearly indicates a duplicate entry. Furthermore, the XXXX collection accounts were reported to my XXXX XXXX less than XXXX days apart, which reinforces the concern that this debt XXXX have been sold to multiple agencies simultaneously or that XXXX of the entries XXXX be fraudulent. 
It is unacceptable and misleading to expect a consumer to pay XXXX for the same obligation. XXXX : The original creditor improperly assigned or sold the debt to more than XXXX agency, or This is a case of potential fraud or error. 

This duplicate reporting is impacting my XXXX  standing and causing unnecessary XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX CAP XXXX XXXX CAPITAL XXXX XXXXXXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX XXXX CT - XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: RI

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion and spoke with a supervisor named XXXX XXXX regarding a fraudulent account. I informed him that I had submitted an FTC Identity Theft Report for XXXX XXXX XXXX in both XX/XX/XXXX and again in XX/XX/XXXX ( case XXXX ). XXXX XXXX stated that the FTC Identity Theft Report is considered only a complaint and does not guarantee that the fraudulent information will be blocked. He appeared to show little understanding or concern for my rights under the Fair Credit Reporting Act, which clearly states that if a consumer provides proof of identity theftsuch as a police report or an FTC Identity Theft Reportthe credit bureau is required to block the fraudulent information from appearing on the credit report.

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 2025-06-02 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: CA

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete 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 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries XXXX XXXX XXXX Date : 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 2025-06-02 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: CA

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete 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 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
They are reporting negative information to my credit report. When I closed this account I had a {$0.00} balance and was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried to contact the three credit bureaus, such as Equifax, Experian, and Transunion, to have them correct my name, address, phone number, and place of work. This was done through a letter sent around around XX/XX/XXXX of this year. Unfortunately, they never updated the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted formal disputes to the major credit bureaus regarding inaccurate information on my credit reports. Specifically, I challenged alleged late payments on my XXXX XXXX account for the months of XXXX, XXXX, and XX/XX/XXXX, which I believe are incorrect. I requested verifiable proof from the creditors, including payment statements and transaction records, to confirm these late payments. I also requested that if such proof could not be provided, the late payment notations be removed or updated to reflect a paid-as-agreed, never late ( PAANL ) status. 

Additionally, I identified multiple unauthorized inquiries made on XX/XX/XXXX, across my credit reports that were not authorized by me and do not correspond to any open or funded accounts. These inquiries appear to be related to rate shopping only, and I requested their immediate removal in accordance with Fair Credit Reporting Act ( FCRA ) guidelines. 

The unauthorized inquiries I requested to be removed are from the following entities : * XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The XXXX XXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I requested that the credit bureaus investigate and verify the accuracy of these inquiries and accounts within the required 30-day period and provide me with documentation detailing the procedures used to verify this information. Furthermore, I asked for a promotional suppression to be applied to my credit file to prevent any unauthorized sharing or promotional use of my credit data during this dispute process. 

These inaccurate reports and unauthorized inquiries have negatively impacted my creditworthiness and my ability to obtain credit. I expect the companies to follow the Fair Credit Reporting Act regulations to ensure my credit report is accurate, complete, and free from fraudulent or unauthorized entries.

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 2025-06-02 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:
On XX/XX/XXXX, I submitted formal disputes to the major credit bureaus regarding inaccurate information on my credit reports. Specifically, I challenged alleged late payments on my XXXX XXXX account for the months of XXXX, XXXX, and XX/XX/XXXX, which I believe are incorrect. I requested verifiable proof from the creditors, including payment statements and transaction records, to confirm these late payments. I also requested that if such proof could not be provided, the late payment notations be removed or updated to reflect a paid-as-agreed, never late ( PAANL ) status. 

Additionally, I identified multiple unauthorized inquiries made on XX/XX/XXXX, across my credit reports that were not authorized by me and do not correspond to any open or funded accounts. These inquiries appear to be related to rate shopping only, and I requested their immediate removal in accordance with Fair Credit Reporting Act ( FCRA ) guidelines. 

The unauthorized inquiries I requested to be removed are from the following entities : * XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The XXXX XXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I requested that the credit bureaus investigate and verify the accuracy of these inquiries and accounts within the required 30-day period and provide me with documentation detailing the procedures used to verify this information. Furthermore, I asked for a promotional suppression to be applied to my credit file to prevent any unauthorized sharing or promotional use of my credit data during this dispute process. 

These inaccurate reports and unauthorized inquiries have negatively impacted my creditworthiness and my ability to obtain credit. I expect the companies to follow the Fair Credit Reporting Act regulations to ensure my credit report is accurate, complete, and free from fraudulent or unauthorized entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX  XXXX - XXXX * * * * * * XXXX  - XX/XX/XXXX - {$160.00} XXXX XXXXXXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$340.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$230.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
By FCRA law it is illegal to report any negative items, accounts, and remarks on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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

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