vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: AZ

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

TRANSUNION has violated my rights. 

XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

I looked at my TransUnion XXXX Experian credit report on XX/XX/2025, 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 XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( XXXX ) 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 ( XXXX  ) 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 XXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My loan servicer placed my loans into forbearance retroactively, covering XXXX and XX/XX/XXXX. However, they are refusing to update my credit reporting to remove the XXXX late payments from those months. They are only reporting that my account is currently in good standing. 

This is inaccurate and unfair credit reporting. 
I request that the late payment marks from XX/XX/XXXX to XX/XX/XXXX be removed, reflecting that I was in forbearance during that period and not delinquent. 

I spoke with XXXX XXXX on XX/XX/XXXX @ XXXX asking for confirmation that the loan provider is correctly and accurately reporting my status and she stated they could not send any type of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IN

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

XXXX has violated my rights. 

EQUIFAX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my XXXX Equifax Experian credit report on XX/XX/XXXX, 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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Checking account Access Number XXXX Routing Number : XXXX Account Number : XXXX XXXX rental over drafted my account on XX/XX/XXXX in the amount of - {$970.00} then XXXX  days later for another outrageous amount of - {$720.00} and my bank let it go through and put in account over - {$1400.00} which I don't have. If my account didn't have the money in it I feel like it showed be returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I filed a complaint with you because they had the wrong numbers on my account. Well apparently sometime after I complained they fixed the error because their response was in agreement with the numbers I had! But for some reason everytime you contact them you get an answer of well I will send this to the appropriate people that can help you and they never respond! That is the answer if you call, email or anything. For some reason the only way to get them to respond is by a third party! I still have a pending FTC complaint on them and now seems I will have to file another one along with this one. They even wrote and said we will answer you on your XXXX  complaint of which I never made one! I have no idea if this is a language barrier but its the worst customer service I have ever encountered in my life! Then I SPECIFIED I wanted to close the account IF if would not EFFECT my credit score. But they came back and said they could not guarantee that and CLOSED it! I did not want it closed if it would effect it. THEN I even said close it and return the money. Yet all they did its move XXXX dollars in to the account to use THEIR card that is not what I said! So then I tried to contact them to say no keep the account open as you CORRECTED the error! So they for sure was in error but fixed it! I have no idea why they don't contact the CUSTOMER and not wait to respond through these. Its a total waste of time for everyone involved! They need to move their customer service to the XXXX whom won't make these error and strive for great customer service! XXXX, XXXX all the big companies have figured this out that outsourcing is better in the XXXX! I am tired of having to file complaints and they should be mad that their employees cause these complaints and make them look bad as its published and on record for everyone to see! I can not believe a company as big as XXXX likes to have to pay out XXXX XXXX dollar payouts because of customer service errors and inaccurate information. I will add XXXX screenshots to show you how they respond by email with incorrect information.... and NEVER does the other division they say they escalate it to responds!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AZ

Complaint narrative:
I am demanding the removal of this account. The " original creditor '' XXXX does not currently handle this account. They sold the debt to XXXX company and they sold it to another company. The company that handled the account last has removed it from my consumer report and ceased all efforts to collect this alleged debt. Please remove this inaccurate information/account from my report immediately. I have attached the response from each of the companies responsible for reporting this information. XXXX claims responsibility for the account in question.

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 2025-04-28 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: AZ

Complaint narrative:
I am demanding the removal of this account. The " original creditor '' XXXX does not currently handle this account. They sold the debt to XXXX company and they sold it to another company. The company that handled the account last has removed it from my consumer report and ceased all efforts to collect this alleged debt. Please remove this inaccurate information/account from my report immediately. I have attached the response from each of the companies responsible for reporting this information. XXXX claims responsibility for the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing inaccurate information present on my consumer report. 

In accordance with 15 U.S.C. 1681 ( a ) ( 1 ), the banking system relies upon fair and accurate credit reporting. Inaccurate reports impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to its continued functioning.

Specifically, my consumer report contains unauthorized inquiries that I did not initiate or authorize. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom it relates. I request written proof demonstrating that I provided permissible purpose or written authorization for Experian and Equifax to disclose my credit report to the companies listed below.

As no such authorization was given, I am requesting the immediate removal of these unauthorized inquiries to ensure the accuracy of my consumer report, as required by the Fair Credit Reporting Act ( FCRA ).

I respectfully ask that you address this issue promptly and confirm the removal of these erroneous entries.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Unknown names, addresses and negative reporting on my credit reports which I believe is due to the the data breaches at the credit reporting companies : Equifax, Experian and Trans Union which it impacted 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 2025-04-28 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:
I am writing to formally dispute several unauthorized inquiries on my credit report. I am very concerned because I found some inquiries that I did not authorize. 

The inquiries in question are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$10000.00} has continuously been reported as a debt with the responsible party being XXXX XXXX XXXX. 

31 US Code 1501 - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( XXXX ) a loan agreement showing the amount and terms of repayment ; This statute above CLEARLY outlines the afore mentioned debt as a direct obligation of the United States Government, NOT XXXX XXXX XXXX. Therefore, I demand that the XXXX XXXX XXXX XXXX  AND ALL CREDIT REPORTING AGENCIES, cease all negative reporting of this account under my name and social security number and delete these reports from my credit report. I have requested this account be cleared from my name on multiple occasions and if it is not cleared within 15 days of receipt of this final demand, I will be filing a lawsuit which outlines all of my attempts to rectify this issue. XXXX XXXXXXXX and each reporting agency to which XXXX XXXX has sent a report, have been knowingly and purposefully misreporting this account and others for years which is in direct violation of the US Code and the FRCA

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 2025-04-28 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Amount {$10000.00} has continuously been reported as a debt with the responsible party being XXXX XXXX XXXX. 

31 US Code 1501 - Documentary evidence requirement for Government obligations ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of - ( XXXX ) a loan agreement showing the amount and terms of repayment ; This statute above CLEARLY outlines the afore mentioned debt as a direct obligation of the United States Government, NOT XXXX XXXX XXXX. Therefore, I demand that the XXXX XXXX XXXX XXXX  AND ALL CREDIT REPORTING AGENCIES, cease all negative reporting of this account under my name and social security number and delete these reports from my credit report. I have requested this account be cleared from my name on multiple occasions and if it is not cleared within 15 days of receipt of this final demand, I will be filing a lawsuit which outlines all of my attempts to rectify this issue. XXXX XXXXXXXX and each reporting agency to which XXXX XXXX has sent a report, have been knowingly and purposefully misreporting this account and others for years which is in direct violation of the US Code and the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

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 2025-04-28 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing inaccurate information present on my consumer report. 

In accordance with 15 U.S.C. 1681 ( a ) ( 1 ), the banking system relies upon fair and accurate credit reporting. Inaccurate reports impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to its continued functioning.

Specifically, my consumer report contains unauthorized inquiries that I did not initiate or authorize. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom it relates. I request written proof demonstrating that I provided permissible purpose or written authorization for Experian and Equifax to disclose my credit report to the companies listed below.

As no such authorization was given, I am requesting the immediate removal of these unauthorized inquiries to ensure the accuracy of my consumer report, as required by the Fair Credit Reporting Act ( FCRA ).

I respectfully ask that you address this issue promptly and confirm the removal of these erroneous entries.

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