vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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:
There are 3 collections on my credit report that I do not recognize. I have tried on several occasions to have the credit bureaus investigate this information. Twice now I have mailed them information to request an investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXXXXXX - # XXXX {$650.00} To this date, they have failed to even initiate a single investigation into the matter. Therefore, I am making my formal request through this medium to ensure my request gets taken seriously. 

Please accept my documentation attached to this complaint and investigate and remove /block the fraudulent accounts mentioned.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I dispute and reject the claims made by XXXX XXXX XXXX and XXXX XXXX XXXX in their XX/XX/XXXX response. They acknowledge that the underlying account was charged off by XXXXXXXX XXXX on XX/XX/XXXX, and that they did not acquire it until XX/XX/XXXX. Yet they continue to report this debt as collectible without providing any of the legally required documentation under FDCPA 809 ( a ). No contract bearing my signature, no original account agreement, and no valid assignment from XXXXXXXX XXXX  have been produced. Their refusal to provide the purchase and sale agreement further undermines their legal standing to report or collect this account. Additionally, they misrepresent IRS 6050P by ignoring the requirement to issue a 1099-C following a profit and loss charge-off, which further calls into question the legality of continued updates. The account is being updated monthly despite no consumer activity, constituting unlawful re-aging under FCRA 1681c ( a ) ( 4 ). This continued reporting is materially misleading and violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). I respectfully request immediate deletion of this tradeline from all credit bureaus, as it is unverifiable, uncollectible, and reported in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 looked at my credit report and noticed this account reporting a lot of inaccurate information. I contacted them but nothing has been resolved. Please help them report the right and accurate information on this account. 

This is the account that needs to be re-investigated or deleted off my credit reports. 

ACCOUNT : XXXX ACCOUNT XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$370.00} Thank you for your 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
am writing to formally dispute inaccurate information currently listed on my credit report. The account in question is being reported by XXXX XXXX XXXX. I believe this entry is an error, as I have never signed a contract or entered into any agreement with this company. Therefore, they do not have the legal authority to report any debt or account in my name.

This false reporting is negatively affecting my credit score and standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. I am asking that this incorrect item be removed from my credit report, as it is not valid and should not be associated with my credit history.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
am writing to formally dispute inaccurate information currently listed on my credit report. The account in question is being reported by XXXX XXXX XXXX. I believe this entry is an error, as I have never signed a contract or entered into any agreement with this company. Therefore, they do not have the legal authority to report any debt or account in my name.

This false reporting is negatively affecting my credit score and standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. I am asking that this incorrect item be removed from my credit report, as it is not valid and should not be associated with my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$19000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$2200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$240.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$470.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to create an account on Experian 's website to create a freeze on my credit report. During the process, I received a message saying they could not verify my identity and that I need to call a representative at XXXX. When I call that number, there is no way to talk to a representative no matter what option I choose.

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 2025-05-05 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following XXXX XXXX XXXX Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

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

Complaint narrative:
All three credit bureausXXXX XXXX and Equifaxare reporting a late payment on my DEPT OF EDXXXX XXXX XXXX loan account ( Account No. XXXX ) with a balance of {$25000.00}. This account is federally managed, and any delays or deferments related to administrative processing, pandemic relief ( e.g., CARES Act ), or forbearance periods should not be reflected as delinquent. Given the numerous delays, pauses, and updates related to federal student loan servicing in recent years, it is highly probable that this late payment was reported in error or without fully considering the updated federal policy guidelines. Reporting a past due status during a federally protected period violates 15 USC 1666b, which governs the fair reporting of payment timing and the right to dispute billing errors. Moreover, continuing to reflect derogatory information on a {$0.00} past due balance without contextual accuracy is deeply misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
b'I am a victim of XXXX. The information listed below, which appears on my credit report,\nis the result of that XXXX.\n\nACCOUNTSXXXX 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 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/year>, I made a {$560.00} debit card purchase from an international online merchant. Shortly afterward, the merchant canceled {$440.00} worth of items from the order and confirmed by email that a refund would be issued through my bank, Bank of America. Only {$120.00} worth of merchandise was actually shipped and received. 

I filed a dispute with BoA on XX/XX/XXXX, providing the merchants written confirmation that the order was canceled and a refund should have been processed. As of XX/XX/XXXX, I have not received the refund or a provisional credit. When I followed up, BoA claimed this was categorized as a merchant service dispute and therefore not covered under Regulation E, allowing them over 90 days to investigate without issuing provisional credit.

This is incorrect. According to Title 12, Code of Federal Regulations, Part 1005, Section 11, this qualifies as a billing error, as I was charged for goods that were not delivered. Regulation E clearly applies in this case, and the bank is required to : Provisionally credit my account within XXXX business days Complete the investigation within 90 days for a foreign transaction Bank of America is in violation of these obligations and is misclassifying the dispute to avoid compliance. I am requesting immediate enforcement of my rights under federal law, the full refund of {$440.00}, and appropriate compensation for the mishandling and delay of this dispute. 

Thank you, 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 monetary relief
Consumer complaint received 2025-05-05 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: Supreme Lending
State: TN

Complaint narrative:
XXXX my credit score was decreased from a hard inquiry. A credit card was in a negative balance from no payments or not enough of a payment was made on it. My name was on this credit card but it belonged to XXXX XXXX. I did not acknowledge my name being on the card and attempted to dispute it with XXXX XXXX XXXX XXXX Today I discovered this is still showing as a hard inquiry on my account. I am still trying to get this account off of my credit score.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\n\nI am writing to formally dispute and request the correction of the following inaccurate or unverifiable items on my credit reporXXXX 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  \n\nThese accounts do not belong to me. Please provide documentation detailing how this item was verified.\n\nPer the Fair Credit Reporting Act (15 U.S.C.  1681i), I request a full reinvestigation of the items listed above. Any item must be removed from my credit file if it cannot be verified. This reinvestigation must be completed within 30 days of your receipt of this letter.\n\nAdditionally, please send me a free, updated copy of my credit report reflecting the results of your investigation, and notify any parties who have received my report in the past six months of any corrections made.\n\nThank you for your prompt attention to this matter.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\n\nI am writing to formally dispute and request the correction of the following inaccurate or unverifiable items on my credit reporXXXX 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  \n\nThese accounts do not belong to me. Please provide documentation detailing how this item was verified.\n\nPer the Fair Credit Reporting Act (15 U.S.C.  1681i), I request a full reinvestigation of the items listed above. Any item must be removed from my credit file if it cannot be verified. This reinvestigation must be completed within 30 days of your receipt of this letter.\n\nAdditionally, please send me a free, updated copy of my credit report reflecting the results of your investigation, and notify any parties who have received my report in the past six months of any corrections made.\n\nThank you for your prompt attention to 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 2025-05-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 XXXXXXXX

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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:
According to information provided on XXXX website, collection agencies are not permitted to report unpaid debts to the three major credit bureausTransUnion, Equifax, and Experian. Therefore, I am formally requesting the immediate removal of all collection accounts currently appearing on 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 2025-05-05 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:
According to information provided on XXXX website, collection agencies are not permitted to report unpaid debts to the three major credit bureausTransUnion, Equifax, and Experian. Therefore, I am formally requesting the immediate removal of all collection accounts currently appearing on my credit report.

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

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from 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