vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I am writing to demand the immediate deletion of a credit inquiry that was made without my knowledge or consent. I never gave this company permissionverbally, in writing, online, or in any formto access my credit report. I did not apply for credit with them, and I had no contact or dealings that would justify this kind of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I paid my student loans in XXXX by phone the money was applied to the incorrect loans therefore a late payment was reported to my credit on XX/XX/XXXX. I reached out to the school to correct this information they have yet to do so. I made another payment on XX/XX/year> and another 90 days late payment was reported to my credit report it has been over XXXX  days I have been trying to correct this and keep getting denied credit retraction however the payment has been allocated to the correct loans.

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 2025-06-10 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:
Ongoing Credit Reporting Violation by XXXX XXXX Despite XXXX Judgment FCRA Violation I am filing this complaint against XXXX XXXX XXXX XXXX for continued and willful violation of the Fair Credit Reporting Act ( FCRA ) and a standing court judgment. 

On XX/XX/year>, I won a lawsuit against XXXX XXXX in [ insert name of court ] regarding a debt they falsely reported under my name. The judge ordered XXXX XXXX to remove the account from my credit report after determining that the debt did not belong to me. XXXX XXXX was granted XXXX months to appeal, during which they took no action, allowing the judgment to become final. 

Despite this legally binding judgment and having received documentation from my attorney confirming the outcome, XXXX XXXX continues to report this false debt on my credit report as of [ insert most recent date you saw it reported ]. This continued reporting has caused significant harm to my XXXX XXXX and has interfered with my ability to obtain new credit, which is a direct violation of the FCRA, 15 U.S. Code 1681s-2 ( a ) which prohibits the reporting of inaccurate information.

Additionally, I have reason to believe this ongoing action may constitute willful negligence and defamation of character, as the company was made fully aware through the court process that the debt was not valid and yet continues to disseminate false and damaging information about me. 

Key Facts : I won a lawsuit against XXXX XXXX in [ insert court name ] ( Case No : XXXX ) The court ordered XXXX XXXX to remove the erroneous debt from all credit reporting agencies No appeal was filed within the statutory period of 6 months Despite this, the debt continues to be reported on my credit report by XXXX XXXX I am attaching documentation from the court and my attorney verifying the above facts Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or false information FCRA XXXX & XXXX allowing for civil liability for willful or negligent noncompliance Defamation under common law, the continued false reporting may also be construed as defamation, as it harms my reputation and creditworthiness with full knowledge that the information is false

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 2025-06-10 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:
Ongoing Credit Reporting Violation by XXXX XXXX Despite Court Judgment FCRA Violation I am filing this complaint against XXXX XXXX XXXX XXXX for continued and willful violation of the Fair Credit Reporting Act ( FCRA ) and a standing court judgment. 

On XX/XX/year>, I won a lawsuit against XXXX XXXX in [ insert name of court ] regarding a debt they falsely reported under my name. The judge ordered XXXX XXXX to remove the account from my credit report after determining that the debt did not belong to me. XXXX XXXX was granted XXXX months to appeal, during which they took no action, allowing the judgment to become final. 

Despite this legally binding judgment and having received documentation from my attorney confirming the outcome, XXXX XXXX continues to report this false debt on my credit report as of [ insert most recent date you saw it reported ]. This continued reporting has caused significant harm to my credit score and has interfered with my ability to obtain new credit, which is a direct violation of the FCRA, 15 U.S. Code 1681s-2 ( a ) which prohibits the reporting of inaccurate information.

Additionally, I have reason to believe this ongoing action may constitute willful negligence and defamation of character, as the company was made fully aware through the court process that the debt was not valid and yet continues to disseminate false and damaging information about me. 

Key Facts : I won a lawsuit against XXXX XXXX in [ insert court name ] ( Case No : XXXX ) The court ordered XXXX XXXX to remove the erroneous debt from all credit reporting agencies No appeal was filed within the statutory period of 6 months Despite this, the debt continues to be reported on my credit report by XXXX XXXX I am attaching documentation from the court and my attorney verifying the above facts Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or false information FCRA 1681n & 1681o allowing for civil liability for willful or negligent noncompliance Defamation under common law, the continued false reporting may also be construed as defamation, as it harms my reputation and creditworthiness with full knowledge that the information is false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: DISCOVER BANK
State: NE

Complaint narrative:
Discover Bank # XXXXXX/XX/XXXXDate opened : XX/XX/XXXX Responsibility : relationship terminated ( XX/XX/XXXX ) Loan type : credit card XXXX XXXX : {$3000.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$2300.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2900.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2900.00} from XX/XX/XXXX to XX/XX/XXXX I did not open or authorize this Discover Bank account, which shows as a credit card with a high balance of {$2300.00} and {$2900.00}. This is a clear case of identity theft and fraudulent activity. I demand the immediate removal of this account from my credit report and that all associated negative impacts be corrected. I also expect a full investigation into the fraudulent activity and that those responsible be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus XXXX XXXX XXXX improperly investigating my disputes, as required under XXXX usc XXXX & XXXX usc XXXX XXXX ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: I.C. System, Inc.
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus XXXX XXXX XXXX improperly investigating my disputes, as required under XXXX usc XXXX & XXXX usc XXXX XXXX ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am filing a complaint regarding a debt collection entry on my credit report from Credence Resource Management, I believe that this entry is inaccurate or that it might contain information that does not comply with the Fair Credit Reporting Act. I have attempted to dispute this debt and requested validation from Credence Resource Management, but I have not received a satisfactory response or resolution. 

I am concerned that this debt may be inaccurately reported and could be affecting my credit score unfairly. I have also not received proper notification or validation of the debt, and I am requesting that the CFPB assist in investigating this matter and ensuring that my credit report is accurate. 


Account opened : XX/XX/2024 XXXX attempted to collect : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I am submitting this written dispute concerning multiple accounts that were added to my credit profile without my consent. These accounts are unauthorized and must be removed promptly. In accordance with 15 U.S.C. 1681g, I am requesting that these entries be deleted within 15 days. Please review the attached documentation for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: LA

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 2025-06-10 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: FL

Complaint narrative:
I paid my student loans in XXXX by phone the money was applied to the incorrect loans therefore a late payment was reported to my credit on XX/XX/XXXX. I reached out to the school to correct this information they have yet to do so. I made another payment on XX/XX/year> and another 90 days late payment was reported to my credit report it has been over 30 days I have been trying to correct this and keep getting denied credit retraction however the payment has been allocated to the correct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
I need to stress that this complaint is not made in error. My credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing significant and ongoing harm, impacting my life in profound ways you may not fully understand. These are difficult times for me, and correcting or removing these inaccuracies would be more than just helpfulit would be a critical relief.

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 2025-06-10 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My bankruptcy is dated XX/XX/year>. I have written letters and disputed that they remove it from my credit report, but they never respond. It has been affecting my credit for 8 years.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My bankruptcy is dated XX/XX/year>. I have written letters and disputed that they remove it from my credit report, but they never respond. It has been affecting my credit for 8 years.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I didnt owe this man that having debt collectors calling me. This is what happens I use to rent from him I move from his house XX/XX/XXXX in XXXX I received a call from him saying I owe him which is the other way around I pay him up to the XXXX of XXXX and I move out on the XXXX even before my rent was finished he to security and last month rent from me that I never received which the day he call me I told him he is the one that owes me. And the reason for me moving I was living on the first floor of his house he add tenant in his basement and upstairs only to find out I was paying there light bills XXXX XXXXXXXX wrote me about it then send out someone to check they told me 2 thing I can sue him are have him pay the light for the 3 years I was living there I chose to move peacefully and four years after he is calling my phone to say I owe him when he is the one that owes me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IA

Complaint narrative:
I am filing this complaint due to the failure of Experian to respond to my written dispute within the time frame required by the Fair Credit Reporting Act ( FCRA ). On or about XX/XX/year>, I mailed a dispute regarding inaccurate information on my credit report. As required under FCRA 611 ( 15 U.S.C. 1681i ), Experian was obligated to complete an investigation and provide results within 30 days. I received no adequate response or results within that period. Furthermore, I submitted a Method of Verification request asking for the name, address, and procedure used to verify the disputed items, which was ignored or inadequately addressed. The accounts in question are : ( XXXX XXXX XXXX XXXX XXXX listed as a repossession with a {$9400.00} balance, and ( XXXX ) XXXX XXXX XXXX listed as a collection with a {$2100.00} balance. This constitutes a clear violation of my consumer rights under federal law. I am requesting the removal of these unverifiable and inaccurate accounts and ask your office to investigate and ensure Experians compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IA

Complaint narrative:
I am filing this complaint due to the failure of Experian to respond to my written dispute within the time frame required by the Fair Credit Reporting Act ( FCRA ). On or about XX/XX/year>, I mailed a dispute regarding inaccurate information on my credit report. As required under FCRA 611 ( 15 U.S.C. 1681i ), Experian was obligated to complete an investigation and provide results within 30 days. I received no adequate response or results within that period. Furthermore, I submitted a Method of Verification request asking for the name, address, and procedure used to verify the disputed items, which was ignored or inadequately addressed. The accounts in question are : ( XXXX XXXX XXXX XXXX XXXX listed as a repossession with a {$9400.00} balance, and ( XXXX ) XXXX XXXX XXXX listed as a collection with a {$2100.00} balance. This constitutes a clear violation of my consumer rights under federal law. I am requesting the removal of these unverifiable and inaccurate accounts and ask your office to investigate and ensure Experians compliance.

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