vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: MI

Complaint narrative:
Last month, I discovered a shocking issue on my credit report a {$320.00} reported balance with XXXX years of missed payments. I never received any notice or communication from Discover Bank regarding this matter. Years ago, I reported this card as fraudulent, and at that time, there was no indication of any outstanding debt. It wasnt until this past month that my credit report suddenly reflected XXXX years of delinquent payments. 

I never received any statements or notices in the mail, and as a single mother of a XXXXyear-old, Im devastated that something like this could have such a severe impact on my life. To think that a {$320.00} balance I had no knowledge of could potentially ruin my financial stability is overwhelming. I am urgently seeking help to resolve this issue before it causes further damage. 

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-25 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: CA

Complaint narrative:
Subject : Formal Dispute Demand for Deletion of Collection Accounts Under FCRA & Consumer Protection Laws Dear Equifax Consumer Assistance, I am formally disputing the following XXXX XXXX  collection accounts currently reporting on my Equifax credit report and demand their immediate and permanent deletion under 15 U.S.C. 1692 ( c ) ( c ) and Regulation F : XXXX XXXX  {$1200.00} XXXX XXXX  {$1400.00} Legal Basis for Deletion 15 U.S.C. 1692 ( c ) ( c ) Cease Communication Request Under this law, once a consumer disputes a debt and requests verification, debt collectors must cease collection efforts unless they provide proper validation. If XXXX XXXX failed to properly validate these debts, they must be deleted from my credit file.

Regulation F Debt Collection Rule Compliance Regulation F establishes strict guidelines for debt collectors, requiring them to provide clear, accurate, and complete validation notices before reporting a collection account. If XXXX XXXX failed to follow these requirements, these accounts must be removed immediately as they were reported in violation of federal regulations.

15 U.S.C. 1681i Reinvestigation Requirement Equifax is legally required to conduct a proper reinvestigation and delete any account that is inaccurate, unverifiable, or reported in violation of consumer protection laws. These XXXX XXXX accounts do not meet the legal reporting standards and must be deleted. 

Demand for Immediate Action I demand that Equifax take the following actions immediately : 1. Permanently delete both XXXX XXXX collection accounts from my credit report.

2. Provide written confirmation of the removal.

3. Cease any further reporting of these accounts on my credit profile.

Failure to Comply If Equifax fails to correct this inaccurate reporting, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of my FCRA rights. 

Pursue legal action under 15 U.S.C. 1681n and 1681o for Equifaxs willful and negligent noncompliance with federal law.

These accounts are causing significant harm to my credit profile and financial stability. I expect immediate corrective action and a written response within 30 days, as required by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
All inquiries are fraudulent. Please delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am writing to formally report the unauthorized use of my credit by someone without my knowledge or consent. I did not open, approve, or authorize any of the transactions or accounts in question. This misuse of my credit has caused undue harm, and I am requesting immediate action to correct this injustice. 

I have always been responsible with my financial obligations, and this situation is a clear case of fraud. I urge you to investigate this matter promptly and remove all fraudulent accounts and transactions from my record. I am prepared to provide any necessary documentation to support my claim. 

Please take the necessary steps to correct this issue and ensure my credit report accurately reflects my legitimate financial history. I appreciate your swift attention to this matter. 

the following accounts in question : XXXX XXXX -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX None of these account is known by me

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 2025-03-24 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 writing to formally report the unauthorized use of my credit by someone without my knowledge or consent. I did not open, approve, or authorize any of the transactions or accounts in question. This misuse of my credit has caused undue harm, and I am requesting immediate action to correct this injustice. 

I have always been responsible with my financial obligations, and this situation is a clear case of fraud. I urge you to investigate this matter promptly and remove all fraudulent accounts and transactions from my record. I am prepared to provide any necessary documentation to support my claim. 

Please take the necessary steps to correct this issue and ensure my credit report accurately reflects my legitimate financial history. I appreciate your swift attention to this matter. 

the following accounts in question : XXXX XXXX -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX None of these account is known by me

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 2025-03-24 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. 
Account XXXX XXXX -Account number XXXX showing in the amount of {$4300.00}.

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 2025-03-24 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: TX

Complaint narrative:
I am filing a complaint against Experian and TransUnion for inaccurately reporting a fraudulent and inaccurate reporting of an unauthorized account from XXXX XXXX XXXX ( XXXX )/ Original Creditor : XXXXXXXX XXXX XXXX on my credit file. I have never opened, authorized, or had any relationship with this creditor, yet this account has been falsely attributed to me. Balance Reported : {$360.00}. Reviewing account on credit bureaus there are so many inaccurate and inconsistent reporting. Despite my efforts to dispute these errors directly with the credit bureaus, they have failed to correct or verify the inaccurate information. TransUnion reports this account as Collection, while Experian lists it as Open Account, Discrepancies in Date Opened-TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Conflicting Last Active Dates : TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Past Due Balance Discrepancy : TransUnion does not list a past due amount., Experian lists a past due balance of {$360.00}, Conflicting Payment History Reporting : TransUnion does not list any payment history codes. Experian marks the account as " CO ( Charge Off ) '' for multiple months, creating a misleading report. 
I request that the CFPB investigate Experian and TransUnion for failing to uphold their obligations under the FCRA. Additionally, I ask that the CFPB ensure these inaccuracies are corrected or removed from my credit report if the credit bureaus can not verify them. I have attached supporting documents, including copies of 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 2025-03-24 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: NC

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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Because of the the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).


2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. 

Because of these data breaches, on XX/XX/year>, I received a notification from my Bank saying there was an update on my credit report. Upon further investigation, I was notified that a new address that does not belong to me was added to my credit report by my student loan servicer. My bank connected me to Experian to file a dispute. When I tried to file a dispute with Experian, I received a message from Experian saying that I need to file a complaint with my student loan servicer. I reach out to my Student Loan Servicer to ask for them to remove the false information from my credit report ( s ) due to the onset of these data breaches, but I have been met with no response or update on possible theft my identity and personal account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Because of the the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 

Because of these data breaches, on XX/XX/year>, I received a notification from my Bank saying there was an update on my credit report. Upon further investigation, I was notified that a new address that does not belong to me was added to my credit report by my student loan servicer. My bank connected me to XXXX to file a dispute. When I tried to file a dispute with XXXX, I received a message from XXXX saying that I need to file a complaint with my student loan servicer. I reach out to my Student Loan Servicer to ask for them to remove the false information from my credit report ( s ) due to the onset of these data breaches, but I have been met with no response or update on possible theft my identity and personal account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
Because of the the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

Because of these data breaches, on XX/XX/year>, I received a notification from my Bank saying there was an update on my credit report. Upon further investigation, I was notified that a new address that does not belong to me was added to my credit report by my student loan servicer. My bank connected me to XXXX to file a dispute. When I tried to file a dispute with XXXX, I received a message from XXXX saying that I need to file a complaint with my student loan servicer. I reach out to my Student Loan Servicer to ask for them to remove the false information from my credit report ( s ) due to the onset of these data breaches, but I have been met with no response or update on possible theft my identity and personal account information.

Company response to consumer: Closed with explanation