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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts 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 MO 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXXXXXX BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-05-26 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: MO

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts 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 MO 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXXXXXX BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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: MS

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I had been the victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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: NC

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and remove them within XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX AUTO - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$4600.00}

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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 2025-05-26 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-26 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: 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 XXXXXXXX XXXX XXXX XXXX, WA, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : [ 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. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX XXXX XXXX XXXXXXXX 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm.

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in FCRA.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I made direct payments from XXXX to XXXX. {$62.00} pmts. 
Most of my payment were attached to the coupon slip, some were made with the slip due to " mailing the book '' issues. 

Upon review, None of my payments were not credited to my student loans. 

I am sure that my student loans are paid in full.

Company response to consumer: Untimely response
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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Website : XXXX : XXXX Subject : Formal Dispute Invalid Account Reporting by Total Visa/ XXXX XXXX XXXX XXXX  XXXX XXXX ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the reporting of an account from Total Visa/ XXXX XXXX XXXX XXXX XXXX XXXX ) that appeared on my credit report on XX/XX/XXXX and XX/XX/XXXX. I am contesting the validity of this account, as I have no knowledge of ever opening or authorizing such an account, and I request a full investigation into its accuracy. 
Creditor Name : Total Visa/ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Nature of Dispute : I do not recognize or acknowledge this account. I dispute its validity and any associated negative reporting such as delinquencies or balances. 
Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : Section 623 [ 15 U.S.C. 1681s-2 ( a ) ] requires furnishers of information to ensure the accuracy and integrity of the data they report to credit reporting agencies. Reporting an account that may have been opened fraudulently or without my authorization is a violation of this section.

Additionally, under Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute inaccurate or incomplete information on my credit report, and the furnisher is required to investigate and remove unverifiable or incorrect data. 
I am requesting that this account be fully investigated and removed from all my credit reports unless the creditor can provide legally valid, documented proof that the account is accurate and was authorized by me. This includes : A copy of the original signed application Any transaction or payment history linking the account to me Any documentation bearing my signature If this information can not be verified within the timeframe required by law, I expect that the account will be deleted from all consumer reporting agencies immediately. 
Please respond in writing to confirm receipt of this dispute and provide the results of your investigation. I appreciate your attention to this matter and expect full compliance with the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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: National Credit Systems,Inc.
State: GA

Complaint narrative:
There are 2 different XXXX accounts reporting on my credit report that had been paid and settled a year or so prior to XXXX reporting the 2 accounts on my credit report. The accounts reflect as such paid in settlement. I'm confused as to why it's being reported since the accounts had been paid. Both accounts were at different times.

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 — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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: GA

Complaint narrative:
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.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: 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 paid off an account with a XXXX XXXX Bank credit card store card. I was sued by XXXX XXXX law firm and entered into a legal settlement to payoff the account for less than the amount owed. All three credit bureaus have reported this account incorrectly. I cant seem to get through to TD Bank because they refer me back to the XXXX XXXX and the law firm refers me back to XXXX. Then target also refers me back to the law firm. This is nerve racking. I have filed multiple disputes with all three credit bureaus and even called them but they are still reporting the info incorrectly. My account still shows a balance of {$810.00}. It should say settled for less than amount owed and a XXXX balance.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The delinquent payment shown on my credit report ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ) was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended on XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX To : Experian Subject : Formal Dispute Under FCRA Inaccurate Reporting by XXXX XXXX XXXX whom it may concern I am writing to formally dispute inaccurate and incomplete information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and request an immediate investigation. 
The following account is being reported in a manner that appears to be both factually inaccurate and non-compliant with XXXX XXXX reporting standards : Account Details : Creditor : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX  Date Opened : XX/XX/XXXX Status : " Paid in Settlement '' Date Closed : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Violations Identified : Missing Balance Information : Both the original balance and current balance fields are blank. This is a clear violation of FCRA 1681e ( b ) which requires complete and accurate information.

Inconsistent Delinquency Timeline : The account reflects late payments up to 120 days in XXXX, but also shows continued activity through XXXX and XXXX. This creates a misleading delinquency profile, contrary to the FCRAs requirement for accurate and non-deceptive data. 
Incomplete XXXX XXXX : The Paid in Settlement status lacks the settlement amount, charge-off status ( if any ), and proper closure code. According to XXXX XXXX compliance, all settlements must include clear indicators of what was paid and what was forgiven. 
Missing Monthly Payment Information : The absence of a historical monthly payment figure impairs the accuracy and interpretability of the account. Even closed or settled accounts must include payment terms or indicate {$0.00} if no payment is due. 

Requested Action : Please conduct a full investigation and request updated records from XXXX XXXX. If the furnisher can not verify and correct the reporting in full compliance with FCRA and XXXX XXXX, I respectfully request that this account be deleted from my credit report. 
I request that you respond within the 30-day window mandated by the FCRA and provide me with the results of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX DOB : [ 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