vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Saturday, XX/XX/year>, I mailed a written dispute letter XXXX Experian XXXX challenge inaccurate information on my credit report. The letter included specific account details XXXX clearly stated the basis of my dispute under the Fair Credit Reporting Act ( FCRA ). 

Experian received my dispute on XX/XX/year>, as confirmed by tracking records. 

I enclosed XXXX forms of identification XXXX  verify my identity : A copy of my drivers license A utility bill with my current address A copy of my Social Security card Despite this, on XX/XX/year>, I received a letter from Experian stating that they did not believe the dispute came from me. This is both false XXXX misleading. I am the consumer, and I properly initiated the dispute according to FCRA requirements. 

This is a violation of the FCRA ( XXXX XXXX XXXX XXXX ), which requires Experian XXXX  conduct a reasonable investigation once a consumer submits a dispute with proper identity verification. Their failure XXXX do so has delayed the correction of inaccurate information on my report, potentially harming my creditworthiness. 

The tracking number 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 2025-05-03 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: MD

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I feel that my privacy rights were violated by the Department of Education. If I remember clearly when my son was in college, they will not give any information if you did not have a signed FERPA agreement with the password. I was literally standing next to my son when I was trying get his info and they did not budge until we filled out the form. 

Department of Education has violated the Family Educational Rights and Privacy Act ( FERPA ) by improperly sharing and exposing student data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed itemsXXXX XXXX  XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX investigate XXXX  correct this, I XXXX pursue legal action under the FCRA XXXX FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX misleading reporting.

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 2025-05-02 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: FL

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed itemsXXXX XXXX  XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX investigate XXXX  correct this, I XXXX pursue legal action under the FCRA XXXX FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I am not liable for this debt. I do not have a contract with Southwest credit collections. They did not provide me with any original contracts as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: T.S. Holdings
State: FL

Complaint narrative:
I am writing to formally dispute a rental collection placed by XXXX Data XXXX XXXX in the amount of {$10000.00}. I have already submitted documentation via mail as requested by IQ Data, yet I have not received any resolution or response in several months. 

This debt is not valid, and I should not be held responsible for it. At the time, I was a victim of domestic XXXX during a high-risk twin XXXX. I was on bed rest, unable to work, and left to handle the lease and rent that had been agreed upon and promised to be paid by the abuser. I attempted multiple times to work with the leasing office to move into a smaller, more affordable and livable unit. Despite showing them a police report, photos of the unsafe and uninhabitable living conditions, and explaining my urgent situation, I was denied any assistance. My requests were ignored, my security deposit was kept, and I was left with a large collection account that has deeply impacted my ability to find stable housing for myself and my daughters. 

I am requesting that this collection account be thoroughly re-investigated and removed from my credit report. This situation has caused undue hardship and continues to affect my ability to secure a safe home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IA

Complaint narrative:
To Whom It May Concem, I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result, certain accounts have been fraudulently opened or used in my name without my knowledge or consent.Pursuant to 15 U.S.C. S 1681c-2 ( a ), I am requesting that all such accounts be permanently deleted and blocked from my credit file. This statute requires consumer reporting agencies to block the reporting of information resulting from identity theft when requested by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
I am filing this complaint regarding Experian and the reporting of multiple negative or unauthorized inquiries on my credit report. Upon reviewing my credit file, I identified inquiries that I do not recall authorizing. These hard inquiries are adversely affecting my credit score and financial reputation. 

I have reached out to Experian requesting an investigation and removal of these inquiries under my rights granted by the Fair Credit Reporting Act ( FCRA ), which protects consumers from unverified and inaccurate credit reporting. However, no adequate resolution has been provided. 

These inquiries were not initiated or authorized by me, and I am requesting the Consumer Financial Protection Bureau to investigate Experians reporting practices regarding these entries and compel them to provide proof of authorization or remove the inquiries from my file. 

Desired Resolution : I request the CFPB to : Investigate Experians handling of these inquiries. 
Require Experian to provide documentation proving I authorized each inquiry. 
Remove any inquiries that can not be verified with my written consent. 
Ensure my credit report is accurate and updated accordingly.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
Experian 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 explanation
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I received an email about a debt onXX/XX/XXXX. I did some looking and couldn't find the debt in my records so I responded on XX/XX/XXXX asking " This email is to formally request validation of the debt you claim I owe, as described in your recent communication.

I am requesting the following information regarding this alleged debt : * The name and address of the original creditor. 
* The amount of the debt. 
* The date the debt became due. 
* A copy of the original contract or agreement related to this debt with signature. 
Please note that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute this debt within 30 days of receiving this communication. This communication dated XX/XX/XXXX is the first communication i have recived. '' I was served a summons the very next day XX/XX/XXXX 
I did respond to the summons and have emailed XXXX XXXX with no response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and called on my first with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing this complaint regarding a disputed charge of {$200.00} from XXXX XXXXXXXX XXXX  on XX/XX/year>, for a vehicle rental originally prepaid through XXXX. This amount was charged at the rental counter for optional insurance and fees that were neither disclosed during booking nor agreed to knowingly. 

Despite numerous attempts to resolve the issue with both XXXX and XXXX XXXXXXXX XXXX, I have been met with denial and evasive responses. A signed estimate recently shared with me by the rental agency contains what appears to be a forged or altered signature, falsely stating that I agreed to the charges. This has raised serious concerns of deceptive business practices and possible document falsification. 

Barclays initially denied my credit card dispute due to timeliness, despite my diligent efforts to seek resolution through proper channels before filing the dispute. I respectfully request that CFPB investigate these misleading and potentially fraudulent billing practices, and assist in pursuing a refund and correction of my account.

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 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. CXXXX  XXXX ) for deceptive and misleading reporting.

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 2025-05-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent information from my credit report, as I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605C and guidance from the Consumer Financial Protection Bureau ( CFPB ). The FTC verifies that I have been a victim of identity theft, and the information reflected on my credit report is not the result of any action taken by me.

A copy of a government-issued ID A copy of a police report or FTC Identity Theft Report ( if applicable ) A detailed list of the accounts and information I am requesting to be blocked and removed Accounts : 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 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 2025-05-03 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-05-03 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: MA

Complaint narrative:
I am a victim of identity theft. There are XXXX fraudulent accounts appearing on my credit report that I did not open or authorize. These accounts are the result of the XXXX Equifax data breach and do not belong to me. 

I have submitted disputes to the credit reporting agency ( XXXX/Equifax/TransUnion ) and provided identification and documentation, including an identity theft affidavit. Despite this, the accounts have not been removed. 

Under the Fair Credit Reporting Act, 15 U.S. Code 1681c-2, the credit bureaus are required to block and permanently delete any information resulting from identity theft once proper documentation has been submitted. I am requesting immediate removal of these accounts from my credit file. 

The negative accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXXi ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-05-03 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXXi ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-05-02 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure XXXX comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data XXXX  maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 CARD XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy 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 2025-05-02 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure XXXX comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data XXXX  maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 CARD XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy 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