vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: AZ

Complaint narrative:
I am submitting this complaint regarding Experians continued reporting of an unvalidated debt account ( # XXXX ) allegedly owned by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Despite my written debt validation request, XXXX failed to provide proper legal documentation required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They sent only basic billing statements and a generic transaction history not a signed contract, original terms, or itemized breakdown of charges. This does not constitute legal validation. 

I also submitted a dispute to Experian directly, yet they verified the account based on XXXX inadequate documentation and continued reporting the derogatory tradeline. This constitutes negligent and potentially willful noncompliance with the FCRA under 15 U.S. Code 1681i and 1681s-2 ( b ), as Experian failed to perform a reasonable investigation or request full validation from the furnisher. 

In contrast, XXXX conducted their own review and removed the account entirely. I am uploading screenshots of that deletion as proof. Additionally, Equifax has failed to respond at all to my dispute within the required XXXX timeframe, violating 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

XXXX also acknowledged in writing that this debt was acquired from XXXX XXXX on or around XX/XX/XXXX, and I am including XXXXXXXX XXXX  official letter confirming the charge-off and transfer. Yet no chain of custody or proof of assignment was included in XXXX response just recycled statements lacking legal weight. 

Documentation Provided : XXXX. XXXX from XXXX XXXX XXXX dated XX/XX/XXXX ) generic validation response XXXX. Screenshots of my XXXX dispute and lack of substantial reply XXXX. XXXX of XXXX  deleting the account XXXXXXXX XXXX XXXX letter confirming account was charged-off and sold to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a check at an ATM on Friday XX/XX/XXXX, understanding that due to it being an ATM deposit that it would most likely be held a couple days. My receipt for the deposit clearly states that {$270.00} of the despots would be available the following day ( Saturday ) and the balance would be available on Tuesday XX/XX/XXXX. I signed in on XX/XX/XXXX to a message that the hold on the GOVERNMENT AGENCY issued check had been extended an additional 7 days and now the funds would not be available until XX/XX/XXXX!!! I immediately messaged CHASE customer service and got no definitive answer other than they are reviewers on a case by case basis and funds will be available XX/XX/XXXX. When I brought the information attached from their own website to their attention and questioned why they decided to extend the hold on a government agency issued check on the day it should have been made available they can not/ will not provide an answer. Simply tell me to call another number. I dont have time to continue chasing down someone to talk to about this matter when they are blatantly acting against what their own website states. According to their website an international transfer doesnt even take as long as this review!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am the victim of identity theft and am filing this report to dispute a fraudulent collection account that has been reported by Southwest Credit Systems in association with XXXX XXXX 

I never opened or authorized any account with XXXX for which Southwest is attempting to collect. I did not apply for service, sign any agreement, or receive any benefit related to this alleged debt. I only became aware of this account when it appeared as a collection on my XXXX  credit report with a reported open date of XX/XX/2024. 

This is the same XXXX debt that was previously placed with another collection agency ( XXXX XXXX XXXX ), which was fully disputed and removed from my credit reports after no validation was provided. The fact that it has reappeared under a new collection agency strongly suggests improper handling or re-aging of the same disputed debt. 

I did not authorize Southwest Credit Systems to collect or report any information about me, and they have provided no signed contract or proof that I agreed to this account. I am requesting that this account be permanently blocked and removed from all of my credit reports under FCRA 1681c-2, as it is the direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am highly dissatisfied with your response and am requesting immediate corrective action for the following reasons : Failure to Provide Proof of Verification or Original Contract As permitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ), I formally requested that Experian provide : Documentation verifying the accuracy of the disputed item, Specifically, a copy of the original contract bearing my signature as proof of a valid consumer relationship. To date, Experian has not provided any such documentation. You are required to conduct a reasonable reinvestigation and provide supporting evidence upon consumer request. Failure to provide these documents demonstrates that a proper reinvestigation has not been conducted. Untimely Response As outlined under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to complete investigations within XXXX days of receiving a dispute. Experian has not responded within this timeframe, which is a clear violation of the statute. Demand for Deletion of Unverified Information According to FCRA XXXX ( a ) ( XXXX ) ( A ), if an item can not be verified after reinvestigation, it must be deleted from the consumer 's credit file.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/year>, all XXXX credit bureaus have the same exact information on them and yet Experian 's XXXX XXXX shows XXXX, while XXXX XXXX XXXX  show scores of XXXX. I could understandstand a small difference due to different algorithms BUT not a difference about XXXX points! I also forwarded them a copy of XXXX XXXX XXXX 's response to my initial complaint where XXXX said they had contacted all XXXX bureaus to have their reporting from them removed. 
XXXX XXXX XXXX  have removed that info but, I still see it on my Experian report. There are also XXXX name variations on my Experian report that I have NEVER used in my life. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been working hard to get my credit reestablished and Experian is the only bureau I'm still having issues with.

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 2025-07-16 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: GA

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
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
I am writing to formally file a complaint and request a full discharge of my federal student loans as a result of a serious breach of my personal and financial information, including violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. 

Recently, I became aware that my sensitive personal and financial informationprotected by federal lawwas accessed, disclosed, or mishandled without my consent. This breach not only violated the confidentiality safeguards afforded to me under FERPA but also infringed upon the federal protections guaranteed by the Privacy Act of 1974. 

As a direct result of this breach : My personal and financial data were exposed, placing me at risk of identity theft and ongoing financial harm. 
My educational records were handled without proper authorization or compliance with federal regulations. 
My trust in the federal student loan system and participating institutions has been irreparably damaged. 

Under FERPA, I have the right to expect that my educational records will be kept confidential unless I provide express written consent for their release. Additionally, the Privacy Act of 1974 restricts how federal agencies collect, maintain, use, and disseminate personal information. Both laws have clearly been violated in this instance. 

Given the severity of this violation, I am requesting the immediate discharge of all my federal student loans and the removal of any negative marks related to these loans from my credit report. This relief is justified due to the governments or associated servicers failure to uphold its legal obligations to protect my personal data. 

Please confirm receipt of this and provide written documentation of the steps being taken in response to this request. If necessary, I am prepared to escalate this complaint to the Department of Educations Office of the Inspector General, the Federal Trade Commission, and other oversight agencies for further investigation and relief. 

I respectfully ask for your immediate attention to this matter and a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-16 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IA

Complaint narrative:
Credit karma, has my student loan XXXX  days behind. But I'm in a forbearance which was applied. 
I had a credit card with my ex from XXXX. I'm was added as a joint user. That card was reinvestigation at some point. Available balance was $ XXXX. That credit card is with XXXX XXXX. 

I was denied credit today. I got a letter of deny but it says my XXXX XXXX will not a affected. But I was I lost more points. Also with XXXX XXXX! 

I have a old account with XXXX XXXX in 2022. I was refunded on a credit card, my limit was {$300.00}. My refund put me over XXXX limit. XXXX XXXX closed that account and now say I owe the {$120.00}. When the refund was returned to my credit card, I couldn't use my it because it was over my limit.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
FERPA was violated on or about XX/XX/year> without my authorization. Department of Education and FTC notified but did not resolve the issue

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
FERPA was violated on or about XX/XX/year> without my authorization. Department of Education and FTC notified but did not resolve the issue

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 2025-07-16 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:
I am writing to dispute a collection account that has been wrongfully added to my credit file. I have never applied for, authorized, or acknowledged any responsibility for the reported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: TX

Complaint narrative:
XXXX-  sent final notice to correct inaccurate information per 15usc 1681.'

Company response to consumer: Closed with explanation