vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to the credit bureaus regarding a tradeline being reported by XXXX XXXXXXXX XXXX In that dispute, I specifically requested that the account be validated and reinvestigated under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and evaluated for XXXX XXXX compliance. 

Despite my request, I did not receive any of the legally required documentationsuch as a signed application, billing history, or proof of the creditors legal authority to furnish this data. Nevertheless, the account continues to appear on my credit report without any modification, update, or indication of proper verification. 

The continued presence of this account without sufficient validation constitutes a failure to conduct a reasonable investigation and a violation of the FCRA. Furthermore, the reporting of an account that can not be verified undermines the accuracy and integrity of my credit file. 

I am filing this complaint because XXXX XXXX XXXX has failed to fulfill its legal obligations to substantiate this tradeline and has not acted to remove or correct the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
On or around XX/XX/XXXX, I submitted a formal dispute to the credit bureaus regarding a Jefferson Capital Systems account allegedly associated with a XXXX credit card. In my dispute, I specifically requested full validation and verification of the account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, as well as XXXX XXXX compliance standards. I asked that they provide a signed original contract, a complete payment history, a detailed itemization of the debt, the charge-off statement from the original creditor, and proof that XXXX XXXX has XXXX ownership and authority to report or collect on the alleged account. 

On XX/XX/XXXX, XXXX XXXX responded by providing only a XXXX billing statement, which does not satisfy the legal requirement to verify and substantiate the debt under the FCRA. No signed contract, chain of assignment, or full account history was provided. 

Despite the lack of sufficient verification, the account continues to be reported on my credit file. This is a violation of the FCRA, which requires that any account that can not be verified must be corrected or removed. Additionally, the continued reporting without proper documentation is not in alignment with XXXX XXXX format and furnisher obligations. 

I am requesting that this account be deleted from my credit report immediately due to its unverifiable nature and the furnishers failure to meet the burden of proof in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: VA

Complaint narrative:
I am requesting the Consumer Financial Protection Bureaus assistance in addressing serious concerns I have regarding several consumer reporting agencies that are storing and reporting inaccurate personal and criminal background information about me.

I am a victim of identity theft. My personal information was stolen and sold, and I believe that multiple consumer reporting agencies, including CoreLogic, have compiled and are reporting data that does not accurately reflect my identity or history. This information is being shared with third parties such as employers or landlords without my consent, and it is causing me ongoing harm. The records being reported include inaccurate or false criminal background information and credit-related data that do not belong to me. I have never authorized these agencies to store or distribute my personal data in this manner. This is especially troubling given that I did not commit any of the acts or transactions attributed to me in those reports. 

I have already contacted CoreLogic by email and requested that they stop reporting any information about me and that they permanently delete all records associated with my identity from their databases. However, I have not received a meaningful response or confirmation that any action has been taken. 

I do not feel comfortable with companies retaining or distributing my data, especially since the information being reported is inaccurate, potentially defamatory, and linked to identity fraud. I am deeply concerned about the long-term consequences this has on my reputation, job prospects, housing, and financial wellbeing. 
I am asking the CFPB to : Investigate CoreLogic and any other involved consumer reporting agencies Require them to delete all inaccurate and unauthorized records about me Ensure that these companies comply with the Fair Credit Reporting Act ( FCRA ) and honor my right to privacy and data protection Thank you for your help and for protecting consumers like me who are affected by data misuse and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
On or around XX/XX/XXXX, I submitted a formal dispute to the credit bureaus regarding a XXXX XXXX XXXX account allegedly associated with a XXXX credit card. In my dispute, I specifically requested full validation and verification of the account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, as well as XXXX XXXX compliance standards. I asked that they provide a signed original contract, a complete payment history, a detailed itemization of the debt, the charge-off statement from the original creditor, and proof that XXXX XXXX has legal ownership and authority to report or collect on the alleged account. 

On XX/XX/XXXX, XXXX XXXX responded by providing only a XXXX billing statement, which does not satisfy the legal requirement to verify and substantiate the debt under the FCRA. No signed contract, chain of assignment, or full account history was provided. 

Despite the lack of sufficient verification, the account continues to be reported on my credit file. This is a violation of the FCRA, which requires that any account that can not be verified must be corrected or removed. Additionally, the continued reporting without proper documentation is not in alignment with XXXX XXXX format and furnisher obligations. 

I am requesting that this account be deleted from my credit report immediately due to its unverifiable nature and the furnishers failure to meet the burden of proof in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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 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 2025-05-14 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Closed Student Loan Account Reporting - Request for Removal To Whom It May Concern, I am writing to formally dispute the reporting of a closed student loan account from DEPTEDNELNET ( Account originally opened on XX/XX/XXXX ) that appears on my credit report. The account was closed on XX/XX/XXXX, with a balance of {$0.00} and marked as fully paid off. While I appreciate that this loan is reflected as closed and paid, I am requesting the removal of this account from my credit report due to its negative impact resulting from historical late payments. 

Despite successfully repaying the full balance of {$56000.00}, my credit report shows that only XXXX XXXX of payments were made on time, which misrepresents my current financial responsibility and penalizes me for older payment difficulties. I believe that since this account has been fully satisfied, and in the interest of fairness and updated financial standing, the account should be removed entirely from the credit bureaus reporting systems ( XXXX XXXX XXXX XXXX ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that CFPB investigate this matter and consider requesting the credit bureaus and original servicer to either remove the account entirely or suppress the negative payment history associated with it. 

Ive attached a screenshot of the account summary for your review. If additional information or documentation is required, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-14 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:
This morning, I found an unfamiliar inquiry on my credit report, and its very concerning. There were no signs of issues before, but suddenly there are discrepancies that dont make sense. Refreshing my browser didnt helpnothing changed. Im truly frustrated, and I insist that the documents I provided be reviewed thoroughly and immediately to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Kovo
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Transunion P.O. XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information under the Fair Credit Reporting Act ( FCRA ) Dear [ XXXX ] XXXX I am writing to formally dispute inaccurate and potentially misleading information on my credit report as provided by your agency. This is a request made under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

Disputed Account Details : Creditor Name : KOVO INC Account Number : XXXX Date Opened : XX/XX/XXXX Reported Past Due Amount : {$30.00} Reported Late Payments : 4 times XXXX days late, XXXX time 60 days late Account Status : Unknown I am disputing the following issues with this account : XXXX. The reported past due balance of {$30.00} appears inaccurate and is not supported by documentation. 
XXXX. The late payments listed are disputed and may not have been properly validated by the furnisher, in violation of XXXX XXXX. XXXX ( a ), which mandates that furnishers report accurate information. 
XXXX. The account status is marked as Unknown, which is ambiguous and potentially misleading under the FCRA. 

In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ), the court held that credit reporting agencies must go beyond the information provided by furnishers and conduct reasonable investigations. Similarly, in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), the court found that even minor inaccuracies that can mislead are violations of the FCRA. 

I respectfully request the removal or correction of this account unless your investigation verifies its complete accuracy. Please provide written confirmation of the outcome of your investigation within XXXX  days, as required by law. 

Enclosed is a copy of the credit report section highlighting the item in question. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-14 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: TX

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I have had an Upgrade account for 3 years and since I filed a complaint against them 2 years ago they have retaliated against me as I suspected they would and even forecasted they would in my initial complaint. Since that complaint Upgrade has lowered me credit limit 3 times even though my credit score was higher each time than when I initially was approved for their card. Further, Upgrade holds back the monthly report they typically send every month if my balance drops lower from the previous month. On XX/XX/XXXX my balance dropped from being over the XXXX credit limit to below the credit limit which would have raised my Fico score. However, upgrade choose to deliberately cause me harm by refusing to report the XXXX status to XXXX XXXX XXXX XXXX as a result I was denied credit for the primary reason of one account, that being upgrade being over the credit limit. even though my XXXX score was about XXXX. Which would have been much higher it Upgrade reported. I know have a cause of action to file a lawsuit which I will do and request a jury trial. As of XX/XX/XXXX XXXX XXXX still has not reported the status from XX/XX/XXXX to any of the credit bureaus mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

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