vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Let me be absolutely clear : this complaint is not a misunderstanding. My credit report contains serious inaccuracies that fall short of the standard of maximum possible accuracy required by law. These errors are significantly impacting my life financially, emotionally, and mentally. 
This situation is urgent and deeply distressing. I am requesting that you take immediate action to correct and/or remove these inaccuracies. Your prompt attention to this matter is not just necessary its critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting inaccurate and outdated personal information on my credit report, including incorrect addresses and questionable employer listings that do not reflect my current or verifiable employment history. The address listed as XXXXXXXX XXXX XXXX  XXXX, XXXX, GA XXXX is not my current residence and should not appear on my credit file. Additionally, two separate entries labeled Employer : XX/XX/year> are vague, unclear, and serve no legitimate purpose. These appear to be placeholders or errors that indicate a failure to properly process employment information. Furthermore, XXXX XXXX is also listed as an employer, but this is either a misreport or is outdated and should be removed if it can not be substantiated with proper documentation. 

Equally concerning, two similar addressesXXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX6are reported as previous addresses. While they appear similar to my actual residence, they are not accurate representations of my current address. This suggests that the data entry or transmission may have been affected by reporting errors or inconsistencies, possibly stemming from a larger data management issue or even a breach in data integrity.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), Equifax has an affirmative duty to ensure that the personal information reported is accurate, up-to-date, and relevant to the consumers current credit profile. These kinds of inaccuracies create unnecessary confusion, introduce verification issues, and can hinder my access to fair and timely credit decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items 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 XXXXXXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : 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 2025-06-04 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding TransUnions violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their ongoing failure to address fraudulent accounts on my credit report despite proper notification and submission of all required documentation. On XX/XX/year>, I filed my initial complaint and provided TransUnion with a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. Despite this, TransUnion failed to block the disputed accounts within the four business days required by 605B and instead claimed to have verified the accounts without disclosing the sources or evidence of verification, in direct violation of 611. I followed up with a second complaint on XX/XX/year>, through CFPB Complaint # XXXX, referencing TransUnion file # XXXX. Supervisor XXXX stated the accounts did not qualify to be removed, a justification that disregards the clear statutory obligations under the FCRA and contradicts both CFPB guidance and case law such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm consumers rights to accurate reporting and a reasonable investigation.

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 2025-06-04 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: FL

Complaint narrative:
I am submitting this complaint because a credit reporting agency has reinserted an account into my credit file that was previously deleted. The account, reported by XXXX XXXX XXXX # XXXX, was rightfully removed but was reinserted without proper notification as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S. Code 1681i ), the credit bureau is required to notify me in writing within 5 business days of re-inserting any previously deleted information. I never received such notice, which is a clear violation of federal law. 

Furthermore, the bureau must have received certified documentation from the furnisher proving the information is accurate before reinsertion. To date, no documentation has been provided to me. 

I am demanding that the reinserted account be permanently removed. If this is not addressed, I will pursue legal action for damages under FCRA Sections 616 and 617 ( 15 U.S. Code 1681n and 1681o ) for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because a credit reporting agency has reinserted an account into my credit file that was previously deleted. The account, reported by XXXX XXXX XXXX # XXXX, was rightfully removed but was reinserted without proper notification as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S. Code 1681i ), the credit bureau is required to notify me in writing within 5 business days of re-inserting any previously deleted information. I never received such notice, which is a clear violation of federal law. 

Furthermore, the bureau must have received certified documentation from the furnisher proving the information is accurate before reinsertion. To date, no documentation has been provided to me. 

I am demanding that the reinserted account be permanently removed. If this is not addressed, I will pursue legal action for damages under FCRA Sections 616 and 617 ( 15 U.S. Code 1681n and 1681o ) for willful and negligent noncompliance.

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 2025-06-04 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: AL

Complaint narrative:
EXPERIAN XXXX TRANSUNION KEEPS BREAKING THE LAW ATTN XXXX TRANSUNION EXPERIAN ACCORDANCE TO TITLE 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION USC 6803 a 1 2 3 b. usc 1681a 2, 15 usc 1681b, 15 usc 1681s-1 I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE PRIVATE UNAUTHORIZED ACCTS # XXXX, ACCT # XXXX TO BE FURNISHED TO MY CONSUNER REPORTS PLEASE DELETE IMMEDIATELY

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 2025-06-04 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:
I have received several notifications that my personal information has been misused and exposed in data breaches. I have noticed several accounts on my credit reports that I do not recognize. Due to my personal information being exposed, I am requesting that these accounts be permanently removed from my credit profile and have submitted an FTC report in regard to this information. I have already reached out to the credit bureaus for help on this matter and have gotten nowhere. 

Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I have received several notifications that my personal information has been misused and exposed in data breaches. I have noticed several accounts on my credit reports that I do not recognize. Due to my personal information being exposed, I am requesting that these accounts be permanently removed from my credit profile and have submitted an FTC report in regard to this information. I have already reached out to the credit bureaus for help on this matter and have gotten nowhere. 

Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was delayed in 4 payments of my student loan, and it has affected my credit score. I need to get this removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: WA

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
I recently contacted experian about XXXX XXXX XXXX  accounts and an XXXX  Account that was included in a police report and an identity theft report previously submitted to experian the representative stated to me that I submitted the first Identity Theft report with no account numbers and when experian requested a proper report I did not include a copy my state ID with the second Identity Theft report These reports were submitted between the years of XXXX and XXXX Experian is the only credit reporting agency that did not remove the accounts I have been calling and sending letters for years and I just got an explanation last week

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
This debt collector violated multiple federal protections despite clear written and verbal notice. XXXX, they attempted to withdraw funds from my account on XX/XX/year>, even though I had called them before the scheduled date and revoked consent. On XX/XX/XXXX, I called again and spoke to a representative who read internal notes confirming that I had requested the withdrawal not occur. During that same call, I verbally issued a cease and desist and was abruptly hung up on. 

On XX/XX/year>, I mailed a formal cease and desist letter via certified mail, which they received. Despite that, they sent correspondence to an XXXX  residence where I do not live exposing my private information and causing distress to my estranged wife, who was living there alone with our XXXX child. That mail was left unsecured and XXXX have been seen by XXXX  parties. 

They also sent a sheriff and a private process server to that same address after being informed that I do not live there, which led to intimidation and emotional harm to my family. I filed a formal motion in XXXX XXXX XXXX XXXX seeking dismissal of the case and detailing these violations. 

Despite all of this, on XX/XX/year>, I received another phone call from XXXX XXXX XXXX, violating the cease and desist yet again. I recorded the call. This is a repeated and willful violation of the FDCPA, and it is causing severe personal and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Date : XXXX Amount : {$770.00} Request for Debt Validation ( FDCPA 809 ) Dear Southwest credit systems I am writing in response to a notice I received from your agency regarding an alleged debt. I do not recognize this debt and am requesting that you validate it as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1.The name of the original creditor.

2.The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

3.A copy of the original contract or agreement bearing my signature, or other documentation showing I am legally obligated to pay this debt.

4.Proof that your agency is authorized to collect debts in my state.

5.Proof that you are legally entitled to collect this particular debt.

Until you provide the requested validation, please cease all collection activities, including reporting this alleged debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed.

Be advised that any further attempt to collect this debt without validating it is a violation of the FDCPA and my consumer rights.

I request all communication from your agency be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. CXXXXe XXXXb - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. CXXXXe XXXXe - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. CXXXXe XXXXi ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall XXXX XXXX  ) 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 XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
XXXX funding is reported on my report but ut belongs to my ex husband im or never was a user on the account please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
XXXX funding is reported on my report but ut belongs to my ex husband im or never was a user on the account please remove from 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 explanation
Consumer complaint received 2025-06-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation