vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Entrata Inc.
State: NM

Complaint narrative:
Resident verify which is a consumer reporting agency. Actually a reseller. Runs tenant screening reports including background and credit and i guess some how also reports income? They did not properly investagate my dispute after providing false information to a potential landlord. They didn't dispute at all. And when I provided documentation for them to block my report they failed to do so.

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

Complaint narrative:
The credit reporting agency did not provide information how they are verifying these accounts they are coming back saying verified with out sending me proof how they verified these inacc accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit repfrts I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-04-06 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: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit repfrts I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Fraud Alert Dear Equifax Customer Service , I am writing to request the removal of the fraud alert currently placed on my credit report. The alert was initially added due to suspected fraudulent activity, but I have since resolved the issue and no longer require the alert. 
Please find my personal information below for verification purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask that you remove the fraud alert from my credit report at your earliest convenience. If you require any additional information or documentation to process this request, please let me know. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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

Complaint narrative:
On all three credit bureaus Nelnet is reporting I was 90 days delinquent on all 17 of my student loan accounts in XX/XX/XXXX. They are supposed to report accounts as 30 and 60 days late before marking them as 90 days late. I had no idea my account was transferred from great lakes to Nelnet, there was so communication from Nelnet or correspondence. This has ruined my credit substantially. My accounts have been in Forbearance since XX/XX/XXXX. Please delete the 90 days late.

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

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information reported by third-party debt collectors on my credit file with all three major credit reporting agencies Equifax, Experian, and TransUnion.

I have submitted multiple disputes in the past concerning inaccurate and unverifiable accounts being reported by third-party collection agencies. Despite these repeated complaints, the credit bureaus have either failed to respond in a timely manner or have simply verified the inaccuracies without providing evidence of proper investigation or validation of the debt. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information found to be inaccurate or unverifiable. Yet, I continue to see negative entries on my report that are either outdated, unverified, or outright inaccurate. 

Additionally, the sluggish and inconsistent responses Ive received show a lack of diligence and compliance with the 30-day window mandated by the FCRA. This ongoing negligence is harming my credit profile and causing me financial and emotional distress.

I am requesting that the CFPB : 1. Investigate the repeated failures of the credit bureaus to respond to my disputes within the appropriate timeframe. 2. Require all three bureaus to provide full
documentation verifying the accuracy and ownership of the disputed accounts.

3. Remove any information that can not be 100 % verified from my credit file.

4. Address the pattern of behavior where credit bureaus rely on third-party debt collectors without demanding proper documentation or proof of validity

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

Complaint narrative:
Creditor XXXX XXXX XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally XXXX my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I just found out that Im a victim of identity theft, and honestly, Im still trying to process everything. Im a young college student, and Ive always been really careful about my finances, so finding out someone opened a credit card in my name at Bank of America has been a huge shock. In addition to this, the account was charged off and I had no idea that this was happening until it showed up on my credit report.

I've phoned Bank of America countless times, telling them all over again what's going on every time. I've sent in all the documents that they've asked for, but nothing seems to be being repaired. They just keep telling me that they're investigating, but weeks have passed and I've not yet been called with any response.

It's truly so frustrating. My credit history now gets harmed, and as a college student attempting to find my footing, I'm truly worried that this will impact items like being able to rent an apartment or even having a car loan when I do graduate. I feel I'm being punished for something that I had nothing to do with, and I just want it fixed.

I've done everything I can, but now it just looks like I'm stuck. I never expected something like this would ever happen to me, and I just hope someone hears me and allows me to fix it so that I can get it over with and continue my life without this hanging over my head. I just want my name and credit back the way they originally were.

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 2025-04-06 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-06 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: FL

Complaint narrative:
As for my credit profile with all 3 bureaus are wrong. Including my name, date of birth, address and place of employment.

It should reflect on all bureaus Name XXXX XXXX XXXX Date of birth XX/XX/2002 Address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX Employment XXXX  Please correct the following information in order to report accuracy

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

Complaint narrative:
As for my credit profile with all 3 bureaus are wrong. Including my name, date of birth, address and place of employment.

It should reflect on all bureaus Name XXXX XXXX XXXX Date of birth XX/XX/2002 Address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX Employment XXXX  Please correct the following information in order to report accuracy

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 2025-04-06 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: NY

Complaint narrative:
I provided my FTC report and they reinserted the accounts back into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
I am disputing a charged-off/closed account with XXXX XXXX that was originally charged off in XX/XX/XXXX, with a first delinquency occurring in XXXX XXXX. Equifax has now altered the charge-off date to XX/XX/XXXX, after I submitted a dispute, which is an example of re-aging a clear violation of the FCRA. 

Additionally, the payment history timeline has been modified. Previously, it showed delinquencies leading up to the XXXX charge-off. Now, it displays on-time payments in XXXX and XX/XX/XXXX, late payments restarting in XX/XX/XXXX, and then resets again in XX/XX/XXXX. This results in a manipulated delinquency sequence that didnt exist on previous reports. 

These changes are inaccurate and misleading. This account was not reopened, no new activity occurred, and the new charge-off date does not reflect the true date of first delinquency. Equifax is reporting inconsistent and re-aged information.

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

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX XXXX XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, XXXX XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-06 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: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX XXXX XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, XXXX XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-06 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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