vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Subject : Dispute and Demand for Immediate Account Updates To Whom It May Concern, The balances and payment information currently shown on my TransUnion report are not accurate and do not reflect recent reported payments and account activity. The affected accounts are : XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX * XXXX I find it interesting that TransUnion is quick to capture any negative shift in my accounts, yet now that these accounts reflect positive improvementsincluding XXXX balancestheres a noticeable delay in those updates making it to my report. 

As required by the FCRA, you must ensure all data reported is current, accurate, and verifiable. I am requesting that you promptly update these accounts to reflect the correct information and conduct a reinvestigation if needed.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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: VA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove 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 non-monetary relief
Consumer complaint received 2025-04-24 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Violation of Consumer Rights by Capital One, N.A. and Third-Party Debt Collector ( XXXX XXXX XXXX XXXX ) Account Ending in XXXX and XXXX I am filing this complaint due to serious concerns about the mishandling of my personal and financial information by Capital One, N.A., in connection with account ending in XXXX and XXXX, and the subsequent involvement of XXXX XXXX XXXX XXXX as a third-party debt collector.

Summary of Complaint : Improper Charge-Off Procedures Capital One charged off my account without providing adequate prior notice, explanation, or documentation. I was never properly informed of the status change, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Unlawful Disclosure and Sale of My Personal Information My personal information was allegedly transferred or sold to a third-party debt collector ( XXXX XXXX XXXX XXXX ) without my consent. This may constitute a violation of the Gramm-Leach-Bliley Act ( GLBA ) and the FCRA, as I did not authorize any disclosure or sale of my nonpublic personal information ( NPI ). 

Potential Unauthorized Access to My Credit Report I have reason to believe that XXXX XXXX XXXX XXXX XXXX have accessed my credit report without a permissible purpose under 15 U.S.C. 1681b, which would be a clear violation of the FCRA.

Continued Negative Reporting to Credit Bureaus Capital One continues to report this account negatively to the credit bureaus despite the disputed nature of the debt and the questionable transfer of data to third parties. This reporting is inaccurate, damaging, and violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX 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 2025-04-24 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:
Did not do a proper investigation of disputes this is the 3rd time This conduct constitutes a violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation, 15 U.S.C. 1681i ( a ) ( 2 ) Failure to promptly notify the furnisher of the dispute, 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the improper investigation of my credit report dispute. Despite submitting a formal dispute and providing supporting documentation for the inaccuracies on my credit report, the bureau failed to conduct a thorough and accurate investigation, resulting in incorrect information remaining on my report. Here are the specific details of the issue : 1. Improper Investigation : Despite providing ample evidence to support my dispute, the credit bureau failed to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). The bureau did not contact the creditor for verification or review the documentation I submitted, leaving the error unresolved. 2. Violation of FCRA Requirements : Under the FCRA, credit bureaus are required to investigate disputes in a timely and accurate manner and provide a detailed response within 30 days. This failure to properly investigate and correct the error has continued to negatively affect my credit score and financial standing. 3. Negative Impact : As a result of this improper investigation, the inaccurate information remains on my credit report, impacting my ability to obtain credit at favorable terms and causing unnecessary stress and confusion. The continued reporting of this error violates my rights as a consumer and damages my financial well-being.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are inaccurate they appear on my credit report as XXXX  days late. I'm writing to formally dispute certain information on my credit report that I BELIEVE TO INACCURATE. Pursuant to the fair credit reporting act 15U.S 1681. I am requesting these items to be remove. Thank You

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 2025-04-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are inaccurate they appear on my credit report as XXXX  days late. I'm writing to formally dispute certain information on my credit report that I BELIEVE TO INACCURATE. Pursuant to the fair credit reporting act 15U.S 1681. I am requesting these items to be remove. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Im following up on a previous dispute regarding inaccurate late payments reported by TransUnion for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These late marks are not showing on my XXXX  report, which reflects a positive payment history, and XXXX  is reporting completely different information. This inconsistency across all three bureaus clearly violates the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ). TransUnion is also reporting these accounts without my consent, which goes against the permissible purpose law under 15 U.S.C. 1681b. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), reports based solely on transactions or experiences between a consumer and the person making the report should not be included in a consumer report unless certain criteria are met. Im the consumer, and I never gave permission for this reporting. Whats even more disappointing is that in my last dispute, TransUnion only corrected one account and completely ignored the rest of the errors I raised, including these. This is unacceptable. Im asking the CFPB to please step in, take action, and hold TransUnion accountable for these reporting violations. If this error isnt fixed immediately, I will seek {$1000.00} per violation under 15 U.S.C. 1681o for negligent noncompliance and under 15 U.S.C. 1681n for willful noncompliance. Im simply asking for whats fair, accurate reporting, and accountability. At this point, I am demanding that TransUnion either correct the inaccurate late payments or remove these accounts entirely 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records which was not upheld. My debt should be cancelled in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I contacted Experian, Equifax and trans Union That they are reporting inaccurate personal information on my credit report with all the wrong addresses and names 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted Experian, Equifax and trans Union That they are reporting inaccurate personal information on my credit report with all the wrong addresses and names on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Formal Identity Theft Dispute Fraudulent Account with Grow Credit I am writing to formally dispute a fraudulent account that has been reported in my name by Grow Credit. I have contacted Grow Credit multiple times to notify them that I did not open this account and that I am the victim of identity theft. Despite my previous outreach, no resolution has been provided, and this matter remains unresolved. 

Let me be clear : I never applied for, opened, or authorized any account with XXXX XXXX. 

This account is fraudulent and is negatively affecting my credit and peace of mind. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this item be immediately investigated and permanently removed from my credit report. 

This situation is unacceptable. It is beginning to feel as though XXXX XXXX is either negligent in verifying legitimate identity, or worse, complicit in allowing fraudulent activity to persist. I am requesting that this account be deleted from all credit reports and that XXXX XXXX cease all attempts to collect or report on this illegitimate account. 

I am also reporting this issue to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) All three major credit bureaus ( Equifax, Experian, and TransUnion ) The Attorney Generals Office for the State of New York I have attached a copy of my government-issued ID and a signed identity theft affidavit for your reference. I demand immediate action in resolving this matter and expect written confirmation that this account has been deleted from all credit files associated with my name and Social Security number. 

Please treat this matter with the urgency and seriousness it requires. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief