vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-01 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: TX

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 2025-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I reported unauthorized charges Ive been an identity theft victim for years been trying to clean all that up. I had a police report and was advised when fraud was first discovered years ago to keep mindful of any financial accounts I had online to check to make sure nothing is amiss. This account was my savings or rainy day money. I havent even had a card since last year. They claimed the charges were virtual using a virtual card but Ive never used or had even a virtual card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am submitting this formal complaint as a consumer whose rights have been violated under multiple provisions of the Fair Credit Reporting Act ( FCRA ), following the Equifax 2017 Data Breach, which exposed my personal information to unauthorized use. The breaches have resulted in false, unverifiable, inaccurate, and incomplete data being reported by Equifax, Experian, and TransUnion, causing financial harm, emotional XXXX and unjust credit denials. 

I have disputed : Unauthorized hard inquiries from multiple lenders ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  etc. ) in violation of 15 U.S.C. 1681b ( no permissible purpose ).

Unverified child support reporting by the Office of the Attorney General in violation of 1681c-2 ( a ) for obsolete public record reporting and 1681i for lack of reinvestigation response.

Incorrect addresses tied to identity theft concerns ( e.g., XXXX XXXX  and addresses I have never lived at ). 

Collections and charge-offs ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without Metro 2-compliant validation or original contract documentation, violating 1681s-2 ( b ) and 1681i ( a ) ( 1 ) ( A ).

Despite multiple certified disputes, I have received no meaningful Method of Verification ( MOV ) as defined in FCRA Section 611. Continued reporting without revalidation is a direct violation of 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Additionally, these issues stem from and were worsened by the 2017 Equifax data breach, of which I was an impacted victim ( as confirmed in the breach notice and assigned restoration number XXXX ). This strengthens my case for identity-based fraud, and under FACTA amendments to the FCRA, these records should have been frozen, flagged, or corrected. 

My rights as a consumer and as a victim of data breach negligence have been repeatedly violated. I request : Full deletion of all unverifiable data per FCRA 1681i ( a ) ( 5 ) ( A ) Immediate removal of all unauthorized inquiries Deletion of outdated child support reporting Enforced compliance with Metro 2 standards Damages considered for credit denials and distress under 1681n I have supporting documentation for all items, including : Certified dispute letters Equifax breach confirmation Detailed list of violations Credit reports from all 3 bureaus Please escalate this complaint as a high-priority legal compliance violation with potential claims for civil liability and damages. I am requesting formal regulatory enforcement against Equifax, Experian, and TransUnion, as they have failed to fulfill their duties as CRAs under the law. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 am submitting this formal complaint as a consumer whose rights have been violated under multiple provisions of the Fair Credit Reporting Act ( FCRA ), following the Equifax 2017 Data Breach, which exposed my personal information to unauthorized use. The breaches have resulted in false, unverifiable, inaccurate, and incomplete data being reported by Equifax, Experian, and TransUnion, causing financial harm, emotional XXXX and unjust credit denials. 

I have disputed : Unauthorized hard inquiries from multiple lenders ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  etc. ) in violation of 15 U.S.C. 1681b ( no permissible purpose ).

Unverified child support reporting by the Office of the Attorney General in violation of 1681c-2 ( a ) for obsolete public record reporting and 1681i for lack of reinvestigation response.

Incorrect addresses tied to identity theft concerns ( e.g., XXXX XXXX  and addresses I have never lived at ). 

Collections and charge-offs ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without Metro 2-compliant validation or original contract documentation, violating 1681s-2 ( b ) and 1681i ( a ) ( 1 ) ( A ).

Despite multiple certified disputes, I have received no meaningful Method of Verification ( MOV ) as defined in FCRA Section 611. Continued reporting without revalidation is a direct violation of 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Additionally, these issues stem from and were worsened by the 2017 Equifax data breach, of which I was an impacted victim ( as confirmed in the breach notice and assigned restoration number XXXX ). This strengthens my case for identity-based fraud, and under FACTA amendments to the FCRA, these records should have been frozen, flagged, or corrected. 

My rights as a consumer and as a victim of data breach negligence have been repeatedly violated. I request : Full deletion of all unverifiable data per FCRA 1681i ( a ) ( 5 ) ( A ) Immediate removal of all unauthorized inquiries Deletion of outdated child support reporting Enforced compliance with Metro 2 standards Damages considered for credit denials and distress under 1681n I have supporting documentation for all items, including : Certified dispute letters Equifax breach confirmation Detailed list of violations Credit reports from all 3 bureaus Please escalate this complaint as a high-priority legal compliance violation with potential claims for civil liability and damages. I am requesting formal regulatory enforcement against Equifax, Experian, and TransUnion, as they have failed to fulfill their duties as CRAs under the law. 

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 2025-05-01 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal written complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and IRS regulations by the credit reporting agencies and furnishers listed below. I am a confirmed victim of identity theft and have filed an official FTC Identity Theft Report ( # XXXX ). 

Despite submitting this documentation, my credit reports continue to reflect fraudulent data that is damaging my financial stability, creditworthiness, and access to housing. The inaction of these agencies and furnishers has caused me emotional distress, has denied me basic financial opportunities, and has forced me into a position where I must consider litigation. Transunion and Experians I have had fraudulent accounts temporarily removed, only for them to be reinserted without any notice or certification. This is illegal, emotionally damaging, and I will no longer tolerate it. 

Let me be clear : These accounts and inquiries are not mine, and I am demanding the METHOD OF VERIFICATION used to justify reporting them especially after some of them were removed, then illegally reinserted without any notice or proof.

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 2025-05-01 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
I was looking over my report and I noticed this accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

Account Name - XXXXXXXX XXXX XXXX  This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CT

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 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The first late payment was noted to start in XXXX of XXXX  The account has never been paid on time. The vehicle was went through repossession. The statute of limitation to collect on this debt in the state of XXXX is ( 6 ) six years, See MCL Section 600.5807 To continue to collect on an expired debt and report the negative information on my consumer report violates the law. Seven years has actually passed since the initial late payment.

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 2025-05-01 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account, XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe youve sent proper notification, please provide Certified Mail with receipt displaying my signature, if not, please delete account ending in XXXX XXXXrom my report or I will have to take legal action.

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 2025-05-01 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-01 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:
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
Consumer complaint received 2025-05-01 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: GA

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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/year> I officially moved out of XXXX XXXX. They had told us they were tearing down the building and offered us all XXXX to move out a month early and also our XXXX security deposit back. They told me if I were to sign and comply with these terms I would still be able to start looking for a new place and that they would be able to keep the XXXX offer and the XXXX security deposit equaling XXXX and actually OWE ME XXXX back. So I did just that and found a place, I called the office manager and told them I was ready to move out but that I needed them to write and sign a statement for my new leasing company showing proof that I owed no money to them, had never been late on rent, and that I left the property in good standing. They did, I said my goodbyes and moved out on XX/XX/XXXX. To my shock over one year later I see a debt from them, when I tried to reach out they lied to me and said that they never said I could move out early, they had no clue about it, etc. I was SHOCKED to see this debt, this is completely unfair and will stop me and my husband, and XXXX XXXX  children from being able to move again. I do not owe them anything and infact technically they owe me money! They never once called, emailed, mailed anything to inform me that I owed them money.

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 2025-05-01 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation