vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$36000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a collection from XXXX for XXXX XXXX XXXX that is legally deficient under the FCRA. XXXX failed to provide documentation meeting FCRA standards : no valid lease proving liability, no itemized charges, and no proof they own or are authorized to collect the debt. They also admitted they are not the debt owner. Furthermore, XXXXXXXX XXXX XXXX XXXXXXXX, which XXXX  continues to report, was confirmed vacant and not tied to this alleged debt. This inaccurate reporting is harming my access to housing and credit. Immediate removal is warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-02 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several entries on my credit report related to student loans, which I believe may be inaccurately or unlawfully reported. These accounts are listed under Dept Nelnet, which is not the original loan holders, nor have I received adequate validation or verification of the accounts as required under federal law. 

I was informed that my personal information was exposed in a data breech in XX/XX/XXXX. I have disputed these accounts and requested the following but they still appear on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ), I have requested the following : 1. A full validation of the accounts, including original loan documentation bearing my signature and a clear itemization of the balance and interest accrued.

2. The name and legal authority of the current entity reporting or collecting this debt, especially as it differs from the original loan servicer.

3. Proof of legal transfer or assignment of this debt, as I have not been properly notified of any such transfer, in accordance with consumer protection laws.

I am also concerned about the unauthorized access or transfer of my personal information without my consent, which may have occurred in violation of the Privacy Act of 1974 and the Gramm-Leach-Bliley Act. If there was a data breach or mishandling of my private loan informationeither by a loan servicer or an associated third partyit would constitute a serious breach of my rights as a consumer and citizen.

If you can not provide verifiable documentation within the timeframe required by the FCRA ( 30 days ), these accounts must be deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ).

Please consider this letter a formal dispute and demand for investigation. I am requesting a written response confirming the results of your investigation and any resulting actions, such as correction or deletion of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The company is reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The company is reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TN

Complaint narrative:
This morning, I saw some incorrect accounts listed on my credit report, and Im not sure why theyre there. I routinely check my report, but this time I noticed unusual discrepancies. I even tried refreshing my browser in case it was a technical issue, but nothing changed. The incorrect entries remained, which is why Im requesting a thorough review of the documents I submittedso I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: DE

Complaint narrative:
I am writing to dispute several unauthorized accounts and inquiries on my credit report. I am a victim of identity theft, and these items were not initiated or approved by me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed from my file. Enclosed are a list of the disputed items and my Identity Theft Report filed with the FTC.

Please investigate and remove the inaccurate information promptly. I would appreciate written confirmation once the corrections are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$710.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$950.00} XXXX  XXXX XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX BALANCED {$640.00} XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1100.00XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-06-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-02 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and identified an account with inaccurate information. Specifically, one payment were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error- or the date of XX/XX/year>. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, XXXX and Experian for continuing to report a paid-in-full collection account inaccurately on my credit report, despite multiple disputes and the account having been resolved. 

XXXX XXXX XXXX is reporting a collection account that was paid in full on XX/XX/2024, yet Experian continues to list it as a negative account. I have disputed this multiple times through Experians dispute process, and each time, the inaccurate information has been verified without any evidence or correction. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation and removal of inaccurate or unverifiable data. 

XXXX XXXX is also in violation of FCRA Section 623, which prohibits furnishers from reporting information they know or should know is inaccurate. Reporting a XXXX-balance, paid collection account as derogatory is misleading to lenders and materially misrepresents the status of my account. 

This ongoing misreporting is harming my credit and preventing fair access to financial opportunities. I have attached documentation proving the debt was paid in full. I am requesting that the CFPB investigate and require Experian to delete this account or update it accurately to reflect a paid, closed status with XXXX  balance and no derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, XXXX and Experian for continuing to report a paid-in-full collection account inaccurately on my credit report, despite multiple disputes and the account having been resolved. 

XXXX XXXX XXXX is reporting a collection account that was paid in full on XX/XX/2024, yet Experian continues to list it as a negative account. I have disputed this multiple times through Experians dispute process, and each time, the inaccurate information has been verified without any evidence or correction. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation and removal of inaccurate or unverifiable data. 

XXXX XXXX is also in violation of FCRA Section 623, which prohibits furnishers from reporting information they know or should know is inaccurate. Reporting a XXXX-balance, paid collection account as derogatory is misleading to lenders and materially misrepresents the status of my account. 

This ongoing misreporting is harming my credit and preventing fair access to financial opportunities. I have attached documentation proving the debt was paid in full. I am requesting that the CFPB investigate and require Experian to delete this account or update it accurately to reflect a paid, closed status with XXXX  balance and no derogatory remarks.

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