vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent via certified mail disputes to all 3 major credit reporting agencies requesting Original documentation showing proof that the Disputed accounts where mine within 30days or delete. All 3 did not send Original documentation and or proof within the 30days and did not remove most of disputes.

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 2025-05-26 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: FL

Complaint narrative:
On XX/XX/year> I sent via certified mail disputes to all 3 major credit reporting agencies requesting Original documentation showing proof that the Disputed accounts where mine within 30days or delete. All 3 did not send Original documentation and or proof within the 30days and did not remove most of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically section 611 ( 15 u.s.c. and 1681i ), 609 ( 15 u.s.c. and 1681i ) and 604 ( 15 u.s.c. and 1681b ).

after reviewing my credit report, I have identified the following inquiries that I do not recognize or authorize.

oportun/pathward XXXX XXXX, 2024 2024

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 2025-05-26 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

2. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : [ XXXX XXXX XXXX XXXX XXXX  XXXX WA XXXX ] I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
3. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 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 2025-05-26 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-26 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: TN

Complaint narrative:
b'My EXPERIAN CREDIT FILE HAS NOT UPDATED SINCE XXXX 2021 causing many denied credit request.'

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 2025-05-26 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: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX  - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding breach of my privacy rights by one or more consumer credit reporting agencies. Specifically, my student loan information has been included in my credit report without my knowledge or consent.

This disclosure constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which strictly prohibits the release of my education recordsincluding student loan detailswithout my written consent. The unauthorized transmission of this sensitive information to a credit bureau represents an unlawful disclosure under FERPAs confidentiality protections.

Moreover, this conduct appears to violate the Privacy Act of 1974, which governs the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies and their agents. My student loan data, protected under federal law, was obtained and reported without the legally required safeguards, notices, or consent.

I am formally requesting that the Consumer Financial Protection Bureau investigate this matter and instruct the responsible credit bureau ( s ) to immediately and permanently remove my student loan information from my credit file. The inclusion of this data has not only breached my legal rights but may also cause undue harm to my credit profile and financial wellbeing.

I respectfully urge the CFPB to ensure full accountability and compliance with all relevant privacy laws, including FERPA and the Privacy Act of 1974.

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 2025-05-26 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding breach of my privacy rights by one or more consumer credit reporting agencies. Specifically, my student loan information has been included in my credit report without my knowledge or consent.

This disclosure constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which strictly prohibits the release of my education recordsincluding student loan detailswithout my written consent. The unauthorized transmission of this sensitive information to a credit bureau represents an unlawful disclosure under FERPAs confidentiality protections.

Moreover, this conduct appears to violate the Privacy Act of 1974, which governs the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies and their agents. My student loan data, protected under federal law, was obtained and reported without the legally required safeguards, notices, or consent.

I am formally requesting that the Consumer Financial Protection Bureau investigate this matter and instruct the responsible credit bureau ( s ) to immediately and permanently remove my student loan information from my credit file. The inclusion of this data has not only breached my legal rights but may also cause undue harm to my credit profile and financial wellbeing.

I respectfully urge the CFPB to ensure full accountability and compliance with all relevant privacy laws, including FERPA and the Privacy Act of 1974.

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 2025-05-26 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: AR

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 2025-05-26 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:
this info on my report is not mine I didnt authorize this please

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 2025-05-26 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX  XXXX Account 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 2025-05-26 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Upon Reviewing my credit reports i noticed that Portfolio Recovery Associates is reporting an account with the original creditor as XXXX XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX and a balance of {$2700.00}. Once i found out about this fraudulent account I immediately reported it to Portfolio Recovery Associates and disputed the validity, I made a police report with XXXX Police Department, and Identity theft report with the Federal Trade Commission and disputed the account with the credit bureaus. Portfolio Recovery Associates has failed to provide me with any evidence of an investigation, or any proof that I am responsible for this unauthorized, fraudulent account but yet they still continue to wrongfully report this to my credit reports after being provided with proof of identity, an identity theft report, and a police report. Thus, Portfolio Recovery Associates is blatantly violating my consumer rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-05-26 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:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: GA

Complaint narrative:
I am writing to dispute inaccurate late payment ( s ) reported on my credit report for the account referenced below. Upon reviewing my credit file, I identified one or more late payments that I believe to be inaccurate, incomplete, or unverifiable.

I am filing a complaint because my creditor is reporting late payments on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation.

Under the Fair Credit Reporting Act ( FCRA ) ,15 USC 1681s-2 outlines the responsibilities of " furnishers '' of information to consumer reporting agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ). Specifically, 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information after being notified.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), furnishers of credit information are required to ensure the maximum possible accuracy of data reported to credit bureaus. Additionally, under 15 U.S. Code 1681i ( a ), if a consumer disputes information, the furnisher and the credit reporting agency must promptly investigate and correct or delete any information found to be inaccurate or unverifiable.

Continued reporting of inaccurate late payments may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), which prohibits furnishing credit information knownor which should be knownto be false, including failure to communicate a debt as disputed.

Neither of them has provided evidence to support the negative reporting.

I request a full reinvestigation of the reported late payment ( s ), deletion of any inaccurate information, and a written response within 30 days as required by law. If verification can not be provided, the information must be deleted. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Follow-Up Statement for CFPB Case # XXXX Submitted : [ Insert Todays Date ] I am submitting this follow-up to my original complaint filed on XX/XX/year>, against Equifax, under CFPB Case Number XXXX. 

As of today, more than 30 days have passed since XXXX  was notified of my dispute. According to Section XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have 30 days to investigate and respond to consumer disputes. That deadline has now expired. 

Despite receiving the complaint on XX/XX/year>, and marking the response as " in progress '' as of XX/XX/year>, XXXX has failed to provide a final resolution or written communication as required by law. This is a clear violation of federal consumer protection laws, specifically the FCRAs XXXX dispute resolution timeline.

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