vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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 2025-05-21 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: AL

Complaint narrative:
I am filing a complaint to formally request the removal of an item currently associated with my name and/or records. After thoroughly reviewing my files, I have identified the following item as needing correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX2024 XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX/2024 XXXX XXXX2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I have been consistently making payment of >= {$250.00} biweekly towards my XXXX XXXX in attempt to pay off as quickly as possible ( total monthly out of pocket >= {$500.00} ). The combination of my payments far exceed the monthly amount requested by MOHELA each month ( {$130.00} ). MOHELA gives the option to pay by specify loans so I have been using that option to target the highest interest loans first ( I have been doing so for years and no issues ). Doing so, Ive been able to successfully pay off at least 4 of my XXXX XXXX  and well on my way to paying off another with the goal of paying off all my XXXX XXXX by end of year. Unbeknownst to me, I check my credit report today to see my score drop by XXXX points. I was originally at XXXX and now at XXXX! Keep in mind I am in the middle of attempting to purchase my first property. Now this will affect my interest rate for mortgage loan and what makes it worse, they refuse to remove the delinquency off my credit report. Their only solution is to put my account in forbearance to make it current but wont do anything for my credit report. How is that ethical??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

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 explanation
Consumer complaint received 2025-05-21 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: AZ

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 account is not valid.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 account is not valid.

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 2025-05-21 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: TX

Complaint narrative:
This is a follow-up complaint regarding an inquiry from XXXX dated XX/XX/year> that is currently reporting on my Equifax credit file without my knowledge or authorization. I have never applied for credit or given written consent for XXXX or any affiliated entity to access my Equifax report on that date, nor have I had any business dealings with them that would justify a permissible purpose under the Fair Credit Reporting Act ( FCRA ). I have already disputed this inquiry, but Equifax has failed to remove it or provide proof of permissible purpose. Instead of verifying with original documentation or confirming that XXXX obtained proper authorization as required by law, Equifax appears to have allowed the furnisher to self-verify the inquiry without conducting a meaningful investigation. 

Recent incidents involving widespread data breaches have made it increasingly clear that unauthorized access to consumer credit files is a serious and growing issue. When consumers personal data is compromised, it opens the door to erroneous inquiries and account activity that was never initiated by the consumer themselves. Equifax has a duty under 15 U.S.C. 1681b to ensure that inquiries only occur when there is a legitimate and documented permissible purpose, and under 15 U.S.C. 1681i, Equifax is required to reinvestigate disputes and correct or delete any information that can not be verified. However, the continued presence of this XXXX inquiry suggests that Equifax either failed to demand proper verification or ignored its obligation to remove unverifiable data. 

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed against Equifax, the CFPB alleges that the bureau engaged in sham investigations that did not comply with FCRA standards. Specifically, under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), Equifax must conduct a full and reasonable reinvestigation of disputed information within 30 days. If the inquiry is found to be unauthorized or unverifiable, it must be promptly removed under XXXX XXXX. XXXX ( a ) ( XXXX ). Allowing unauthorized inquiries to remain on a consumers file not only violates the law but also causes significant harm by affecting creditworthiness and consumer trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
My information was from the used as an attempt to obtain credit, the credit inquiries below where a result of fraud. Please remove these inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was from the used as an attempt to obtain credit, the credit inquiries below where a result of fraud. Please remove these inquiries. 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or about XX/XX/XXXX I called XXXX XXXX, USBank and XXXX  about an approved class action settlement check that I was supposed to receive within 2 weeks of a letter that was sent to me on XX/XX/year> for the amount of {$1800.00}. This amount was approved from these companies because of the financial harm that was caused to me during XXXX and relay card freezing my account where I received my XXXX  benefits from the state of Texas. And at this point they have caused me so much more financial harm by not doing exactly what their letter said they would do and that is to receive the check within 2 weeks of XX/XX/year>. I have contacted all three companies which all three of them have given me the runaround telling me the other is responsible for locating the check that was supposedly already sent to me at the incorrect address which is not the correct address that I put on my claim form when requesting my claim. I had sent emails I have called numerous times and like I said they have all told me the other company is responsible for the issue!!

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I am disputing the collection account being reported by National Credit Systems ( NCS ) for XXXX at XXXX XXXX XXXX, due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
1. Misrepresentation of the Original Creditor : In one report, National Credit Systems is listed as the original creditor, which is completely false. NCS is a third-party collection agency, not the originator of this debt. The original creditor is XXXX at XXXX XXXX XXXX, and reporting otherwise is a serious misrepresentation. 
2. Misleading Classification : The account is labeled as Collection Agency/Attorney on some credit reports. NCS is not a law firm and has no legal authority to act as one. This false classification misleads lenders and unfairly escalates the perceived severity of this collection. 
3. Inconsistent Reporting Across Bureaus : This collection appears differently across the major credit bureaus in some cases, its listed as a collection ; in others, as an open account or factoring company. These inconsistencies are harmful and violate the FCRAs requirement for accurate and consistent reporting. 
4. No Prior Validation or Notification : I was never properly notified of this debt by NCS before it was reported to the credit bureaus. I have not received a breakdown of the charges, a signed lease, or any form of verification. This failure to validate the debt violates the FDCPA. 
5. Ongoing Damage Without Resolution : Despite previous disputes, this debt remains unchanged, unresolved, and continues to harm my credit score with no new activity or communication from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit health.

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 2025-05-21 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: NE

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to ensure accurate reporting, provide proper documentation, and conduct lawful reinvestigations. I submitted formal disputes on the following accounts, but Experian responded by immediately updating the reports without verifying the information or providing any proof, in violation of FCRA 611 ( a ). I have also been a victim of a data breach exposure, which violates FCRA ( 15 U.S.C. 1681 ). 

XXXX XXXX XXXX XXXX  Please see FTC Report for accounts that are requested for DELETION.

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 2025-05-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation