vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
On or about XX/XX/year> my credit score with Experian dropped XXXX pts. all other bureaus remained the same ( XXXX XXXX ). There are no negative comments or information available for this action and I recently paid off all credit debt. They also show an incorrect amount on my XXXXXXXX XXXX 

When I had {$30000.00} in credit card debt my score was above XXXX. Now that my accounts are all clear with just revolving credit, my score drops to XXXX. 

I have email and received no reply. I have been calling for a week and can not get past the robots ( tried over XXXX numbers ). I have filed a dispute, with no answer. It is unfair to do this to consumers. I am also a member of Experian and have been for over XXXX  years. 

I would like to refinance my home, and will not qualify for the best rates with the result of this egregious error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am submitting this statement in reference to a previously disputed account reported by XXXX XXXX. As outlined in the attached letter from XXXX XXXXXXXX XXXX XXXX XXXX, the account in question should be removed from my credit report immediately. The bank has acknowledged issues related to the mishandling and neglect of a product that was not in proper condition, and they have agreed to remove the account from my credit file as a result. This account has caused unjust damage to my credit profile and is in violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers from inaccurate or harmful information that may negatively impact their financial standing and banking capabilities. I respectfully request that this account be removed from my report without further delay. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX - XX/XX/XXXX - {$67000.00} XXXX - XXXX - XX/XX/XXXX - {$3300.00} XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX EMPLOYER - XXXX XXXX  - The following personal information is incorrect - Please remove. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please remove. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SLM CORPORATION
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file regarding the following account : Creditor Name : Sallie Mae Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$24000.00} Past Due Amount : {$8800.00} Status : Charged Off Upon reviewing my credit report, I found several discrepancies that are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ) : The account status is reported as charged off, yet monthly notations of CO continue to appear. A charge-off is a one-time accounting event not an ongoing status. Repeated monthly reporting of a charge-off is inaccurate and misleading. 

The balance reflects both a past due amount of {$8800.00} and a written-off amount of {$24000.00}. These figures are inconsistent. If the account was written off or charged off in full, a remaining past-due balance should not be reported unless properly substantiated. 

This debt was reported to the IRS as canceled or forgiven via IRS Form 1099-C , continuing to report the debt as collectible and charging off amounts monthly may amount to double reporting or misrepresentation, violating the FCRA and potentially other federal laws.

I hereby request : A reinvestigation of the accuracy of this accounts reporting ; Written clarification regarding whether a 1099-C was issued because I did not recieve ; Removal or correction of any inaccurate, outdated, or misleading information. 

Please consider this a formal dispute under the FCRA. You are required to complete your investigation and respond within 30 days. If unresolved, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or take legal action to protect my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I notice a XXXX XXXX XXXXXXXX credit card on my report with late payment i will like them removed my credit report it is being report wrong and is affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX as reported on my TransUnion credit file ( File Number : XXXX ). The account was charged off and closed by XXXX XXXX in XX/XX/XXXX. Despite this, TransUnion continues to report a balance of {$1400.00} and a past due amount of {$1100.00} as of the latest update on XX/XX/XXXX. The tradeline also shows derogatory notations, including consumer disagreed, and reflects repeated charge-off reporting months after the account was closed. This continued post-charge-off reporting is misleading and violates the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), which requires credit data to be accurate and not misleading, and 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of disputed, unverifiable data without certification. I have previously disputed this account, yet no certified validation or reinsertion documentation has been provided. XXXX XXXX has not issued IRS Form 1099-C for this charged-off balance, even though the account was written off as a Profit and Loss Write-Off. This is a violation of IRS Code 6050P, which requires canceled debts over {$600.00} to be reported to both the IRS and the consumer. I respectfully request that the CFPB require TransUnion to delete the XXXX XXXX tradeline due to the continued publication of false and unverifiable information in violation of federal credit reporting and tax laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Illegal reinsertion FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Civil liability this reinsertions was done 2 times in less than 90 days with out written explanitation or any evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2025-05-01 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-05-01 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Continued Reporting of Disputed Account Formal Request for Immediate Removal Account : XXXX XXXX XXXX XXXX, Acct # : XXXX Dispute # : XXXX Dear Equifax, I am writing in reference to your response to my dispute dated XX/XX/year>, under dispute number XXXX, regarding the account reported by XXXX XXXX XXXX XXXX ( Acct # : XXXX ). Your response stated that the disputed item is not currently reporting on the Equifax credit file. However, this account is still actively reporting on my credit report. 
This contradiction indicates either an error in your internal update procedures or a failure to properly remove the disputed item after acknowledging its inaccuracy. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must be promptly removed from a consumers credit file. You are legally obligated to ensure the accuracy and completeness of the information reported. 
Given that you have already indicated that this account should not be reporting, I am demanding its immediate removal from my credit file. Please consider this letter a formal notice to take corrective action and update my credit report accordingly. 
For your reference, I have attached a copy of your response to this request, which confirms your acknowledgment that the item should not be reporting. 
If this issue is not rectified within 15 days, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
Please provide written confirmation once this item has been permanently removed from my Equifax credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Continued Reporting of Disputed Account Formal Request for Immediate Removal Account : XXXX XXXX XXXX XXXX, Acct # : XXXX Dispute # : XXXX Dear Equifax, I am writing in reference to your response to my dispute dated XX/XX/year>, under dispute number XXXX, regarding the account reported by XXXX XXXX XXXX XXXX ( Acct # : XXXX ). Your response stated that the disputed item is not currently reporting on the Equifax credit file. However, this account is still actively reporting on my credit report. 
This contradiction indicates either an error in your internal update procedures or a failure to properly remove the disputed item after acknowledging its inaccuracy. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must be promptly removed from a consumers credit file. You are legally obligated to ensure the accuracy and completeness of the information reported. 
Given that you have already indicated that this account should not be reporting, I am demanding its immediate removal from my credit file. Please consider this letter a formal notice to take corrective action and update my credit report accordingly. 
For your reference, I have attached a copy of your response to this request, which confirms your acknowledgment that the item should not be reporting. 
If this issue is not rectified within 15 days, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
Please provide written confirmation once this item has been permanently removed from my Equifax credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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