vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681 XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX DEPT OF ED/XXXX  ACCOUNT XXXX DEPT OF ED/XXXX ACCOUNT XXXX DEPT OF ED/XXXX  ACCOUNT XXXX DEPT OF ED/XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received a credit alert from 3 separate sources regarding the furnishing of information regarding my consumer report. Department of Education XXXX XXXX published deceptive information on my consumer report about my explicit or written consent which is a form of identity theft against me. Department of Education XXXX XXXX also violates consumer laws in the publishing of non public personal information. Department of Education XXXX XXXX violates Federal Due process procedural laws by uploading unverified information in affidavit signed under penalty and perjury that gives them the authority to steal my persons name and information and publish non-public personal information about XXXX XXXX. I Filed an Identity theft report with FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all consumer reporting agencies, including credit bureaus like Equifax, Experian, and TransUnion, report accurate and fair information on a consumer 's credit history. Specifically, it requires them to report information in a timely manner, and it gives consumers the right to dispute and correct any errors on their credit reports. Further more, all inacuracies, must be delete and or removed from the comsumer credit file.

Here we see inaccuracies as marked by blue line under 1 ) Last Activity 2 ) Times XX/XX/year> Days Late XXXX ) Months Reviewed XXXX ) High balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all consumer reporting agencies, including credit bureaus like Equifax, Experian, and TransUnion, report accurate and fair information on a consumer 's credit history. Specifically, it requires them to report information in a timely manner, and it gives consumers the right to dispute and correct any errors on their credit reports. Further more, all inacuracies, must be delete and or removed from the comsumer credit file.

Here we see inaccuracies as marked by blue line under 1 ) Last Activity 2 ) Times XX/XX/year> Days Late XXXX ) Months Reviewed XXXX ) High balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
For my Goldman Sachs credit card payment, I have been enrolled in a {$25.00} special repayment program. 

Goldman Sachs has violated the agreement and has completely removed this information on the Apple Wallet credit card payment site. 

Instead Goldman Sachs has entered $ XXXX  monthly payment and has been reporting negative information to the credit bureau. See the attached documents. 

In addition, Apple Card & Goldman Sachs has called numerous times throughout the days, seven days per week Violations Noted : Excessive Calls & Harassment : You have contacted me multiple times daily, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692d ( 5 ). 
Unlawful Use of Robocalls : You have used automated calls without my consent, violating the Telephone Consumer Protection Act ( TCPA ). 
Employer Contact : You have improperly contacted my workplace and third parties regarding my account. 
Failure to Honor Cease-and-Desist Request : Despite my previous request to limit communication to written correspondence, you continue to call. 
Unfair Credit Reporting : I am currently on a special repayment plan, yet you continue to report negative information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: TN

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate items on my 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. 
The account payment status, payment balance, and account status is reporting different information across all XXXX bureaus. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ExperianXXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX - XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. 
The account payment status, payment balance, and account status is reporting different information across all XXXX bureaus. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ExperianXXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX - XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am filing a complaint with Hunter Warfield , Inc. regarding their unprofessional handling of a debt that had been previously reported on my credit reports. The details are as follows : Debt Removed from Credit Reports : Initially, this debt was reported on my credit reports. It was subsequently removed from XXXX and XXXX without any advance notification to me, and no documentation or proof of its validity was presented. The removal of the debt suggests that it was not adequately verified ; yet the debt is still on my XXXX report. 

Re-reporting of Debt : Following the removal of the debt from XXXX and XXXX, Hunter Warfield persists in attempting to report the same debt on my XXXX credit report. I strongly suspect that the debt was re-reported without requisite verification or validation, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Failure to Validate Debt : I have requested validation of the debt multiple times and have been given no required documentation or proof validating the validity of the debt. Hunter Warfield is required by federal law to validate properly prior to reporting this debt to my credit report, which has not been done. 

Negative Effect on My Credit : As a result, Hunter Warfield 's actions have negatively impacted my credit score and report, thus causing unwarranted damage to my ability to obtain credit and negatively affecting my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Hunter Warfield ceases to report this debt without verifying it. Furthermore, I request that they provide written validation of the debt and suspend all collection activity until they can validate the legitimacy of the debt in accordance with the standards set forth by the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because I am being blocked from accessing my credit report through Experian unless I pay for a subscription that I do not want and never authorized beyond any free trial. I already accessed my free credit report, but now I am being denied access unless I update my payment method to pay {$24.00} for Experian XXXX XXXX charge my bank account even though I never consented to ongoing charges, and now I am locked out of my account. I can not cancel the subscription through the site or app, and I have not been able to reach a live representative to stop the charges or cancel the account. 

Experian has repeatedly attempted to charge my bank account even though I never consented to ongoing charges, and now I am locked out of my account. I can not cancel the subscription through the site or app, and I have not been able to reach a live representative to stop the charges or cancel the account This situation is preventing me from reviewing and correcting inaccurate information on my report, which is critical as I am working to clean up my file and pursue homeownership. I am requesting that Experian immediately cancel any ongoing subscription charges, cease all billing attempts, and restore access to my credit report under the Fair Credit Reporting Act, which entitles consumers to one free credit report per year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — 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 inaccuracies in my Social Security account that I believe have resulted from the breach that occurred in XXXXhe breach has led to unauthorized access to my personal information, which is a violation of the privacy provisions outlined in 15 U.S.C. 6801. This statute emphasizes the necessity for financial institutions and other entities to safeguard consumers private information and to notify affected individuals in the event of a breach. As a victim of this breach, I am requesting a thorough investigation into my account and the immediate correction of any discrepancies that may have arisen due to unauthorized access. Attached are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-14 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: NJ

Complaint narrative:
I have reviewed a copy of my credit report, and I have found fraudulent collection on my report. please remove from my credit report. this is hurting my credit

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

Complaint narrative:
I have reviewed a copy of my credit report, and I have found fraudulent collection on my report. please remove from my credit report. this is hurting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

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

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

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Company refuses to remove unauthorized/ inaccurate rental information. Requested investigation many times and they denied to remove information harming my personal credit. This is illegal under the fair reporting act laws. This rental information should me removed as soon as possible. I granted the company more than 6 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I received a credit alert from 3 separate sources regarding the furnishing of information regarding my consumer report. Department of Education XXXX XXXX published deceptive information on my consumer report about my explicit or written consent which is a form of identity theft against me. Department of Education XXXX XXXX also violates consumer laws in the publishing of non public personal information. Department of Education XXXX XXXX violates Federal Due process procedural laws by uploading unverified information in affidavit signed under penalty and perjury that gives them the authority to steal my persons name and information and publish non-public personal information about XXXX XXXX. I filed Identity theft report with FTC.

Company response to consumer: Closed with explanation