vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
A hard inquiry on my credit report from XXXX XXXX XXXX. My credit score went down XXXX points today. I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear [ Equifax / Experian / TransUnion ] I am writing to formally dispute inaccuracies that I have found on my credit report. The " XXXX account '' in question is being reported with inconsistent and conflicting information across multiple sections of my reports. Specifically, the following discrepancies have been noted : Mismatched or incorrect account terms Different account closing dates Inaccurate or inconsistent account type classification This inaccurate reporting is misleading and may be negatively impacting my credit profile. I am requesting that your office investigate this matter and remove the inaccurate information as required under the Fair Credit Reporting Act. 

Please find the relevant details of the account below : Creditor Name : " XXXX XXXX '' Enclosed are copies of any relevant documents supporting my dispute. I request that the disputed items be investigated and removed from my credit report. Please provide written confirmation of the outcome of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your reply within the 30-day investigation window as outlined by federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Subject : Dispute of Inaccurate Information on My Credit Report Dear [ Equifax / Experian / TransUnion ] I am writing to formally dispute inaccuracies that I have found on my credit report. The " XXXX account '' in question is being reported with inconsistent and conflicting information across multiple sections of my reports. Specifically, the following discrepancies have been noted : Mismatched or incorrect account terms Different account closing dates Inaccurate or inconsistent account type classification This inaccurate reporting is misleading and may be negatively impacting my credit profile. I am requesting that your office investigate this matter and remove the inaccurate information as required under the Fair Credit Reporting Act. 

Please find the relevant details of the account below : Creditor Name : " XXXX XXXX '' Enclosed are copies of any relevant documents supporting my dispute. I request that the disputed items be investigated and removed from my credit report. Please provide written confirmation of the outcome of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your reply within the 30-day investigation window as outlined by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: UT

Complaint narrative:
on XX/XX/25 I was sent a text saying I owed several debts. I called same day to ask for verification that the debt was mine, what is was for, and that I agreed to pay it. They refused to send that. They said they would send me a bill. I told them that was inadequate because I could send them a {$2000.00} bill and that does not mean I owe or agreed to pay it. they just kept repeating that they would send me a bill. I asked to talk to speak with their supervisor, they said they were a supervisor, I said " I don't want to talk to a supervisor, I want to talk to your supervisor '' they proceeded to transfer me to someone who was not their supervisor and couldn't help me. The new person ended the call.

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 2025-04-21 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: TX

Complaint narrative:
There are unauthorized entries on my credit report resulting from the fraudulent use of my personal information. I did not authorize, initiate, or benefit from these transactions in any way. Acknowledging the severity of this situation, I took immediate action by filing a formal report with the Federal Trade Commission. Despite following the proper procedures and reporting the fraudulent activity, these inaccurate items have not been removed from my credit report. The continued presence of this information is both unacceptable and damaging, and I am being unfairly burdened by the consequences of someone elses criminal actions. This matter requires immediate correction.

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 2025-04-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-04-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Charge-Off Accounts on Credit Report To Whom It May Concern, I am writing to formally file a complaint and request an investigation regarding inaccurate and outdated charge-off accounts currently being reported on my credit report. These accounts are negatively affecting my creditworthiness and may not be in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations. 

The accounts in question are listed below : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXXXXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] I am requesting the Consumer Financial Protection Bureau initiate an investigation into these accounts to determine if : 1. The reporting is accurate and verifiable by the original creditor.

2. The charge-offs comply with FCRA requirements, including reporting time limits.

3. Proper validation and documentation were maintained by the reporting agencies.

I have attempted to resolve these matters directly with the credit bureaus and the creditors involved, but I have not received sufficient evidence or justification supporting the continued reporting of these accounts. 


I am requesting that if the reporting creditors can not verify the accuracy and legitimacy of the charge-off entries in a timely manner, these items be permanently removed from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution in accordance with federal law. 

Sincerely, [ XXXX 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 non-monetary relief
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am writing to formally dispute the accounts and inquiries appearing on my consumer credit report, which I believe are the result of a data breach, identity theft, fraud, and/or unauthorized access. I respectfully request verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry you assert was authorized by me. 

I have never authorized these actions. Their inclusion on my credit report constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these entries were made without proper verification or original supporting documentation. Accordingly, the reported items are factually inaccurate and appear to result from fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

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 2025-04-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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 formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, identity theft, fraud, and/or unauthorized access. I am requesting verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry you claim was authorized by me. 

I have never authorized these actions. Their presence on my credit report constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have already contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or supporting documentation. As a result, the reported items are factually inaccurate and appear to be the product of fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MS

Complaint narrative:
The credit reporting is reporting as being delinquent with a XXXX  loan and that is incorrect reporting from the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy court has mailed me a letter stating that they do not provide any information to credit reporting agencies, nor do they ever validate or confirm public records. Additionally, XXXX has provided documentation stating it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers, who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Equifax, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy court has mailed me a letter stating that they do not provide any information to credit reporting agencies, nor do they ever validate or confirm public records. Additionally, XXXX has provided documentation stating it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers, who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Equifax, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.

Company response to consumer: Closed with explanation