vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
I am filing this complaint against Experian for reporting multiple unauthorized hard inquiries on my credit report without my knowledge or consent. These inquiries have negatively impacted my credit score and were made without any permissible purpose or valid authorization from me. 

Below are the inquiries that I am disputing : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX never applied for credit, financing, or services with any of these institutions on or around the dates listed. I did not authorize themverbally or in writingto access my credit file, and I have no business relationship with these companies. These inquiries may be the result of dealer misrepresentation, data entry errors, or possible identity misuse.

Legal Basis : According to FCRA Section 604 ( a ) ( 3 ) [ 15 U.S. Code 1681b ], a credit reporting agency may only furnish a consumer report if there is a valid and permissible purpose, and typically only with the consumers authorization. These inquiries were made without my knowledge or consent, making them a direct violation of my rights.

I submitted a dispute to Experian and requested an investigation along with documentation showing proof of my authorization. To date, Experian has failed to provide any proof that I authorized these inquiries, nor have they removed them from my report. 

What would you like the company to do to resolve your issue? 
I am requesting that Experian : Immediately delete the unauthorized hard inquiries listed above. 

Provide documentation or proof showing that I initiated or authorized each inquiry. 

Comply with FCRA guidelines for reinvestigation and furnish a written response within 30 days. 

Have you tried to resolve this issue with the company? 
Yes. I submitted a formal dispute directly to Experian. They have not resolved the issue or provided any supporting documentation proving my authorization.

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 2025-06-17 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX Late Payment XXXX XXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX Late Payment XXXX XXXXXXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX XXXX XXXXXXXX XXXX XXXX-This Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX Repossessions XXXX XXXX=This Account is inaccurate and Im seeking litigation please delete at once they sold my information to a 3rd party debt collector. My personal information was stolen in a data breach by my employer. XXXX sent letters confirming it. I need all inquiries deleted off my credit report as someone is constantly running my credit I have been disputing these items for compliance and without due process, I have been patience. I am in distress because my RIGHTS are being disregarded. I have not transferred my RIGHT to you as consumer reporting agency to furnish any private information or any inaccurate information regarding any alleged debt. Please provide an endorsement allowing you to hold my personal business in your software, if none please delete asap according the FAIR CREDIT REPORTING ACT

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 2025-06-17 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX  XXXX XXXX Late Payment $ XXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX XXXX XXXX $ XXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX XXXX XXXX $ XXXXThis Account is inaccurate and Im seeking litigation please delete at once. XXXX XXXX Repossessions $ XXXXThis Account is inaccurate and Im seeking litigation please delete at once they sold my information to a 3rd party debt collector. My personal information was stolen in a data breach by my employer. CHC sent letters confirming it. I need all inquiries deleted off my credit report as someone is constantly running my credit I have been disputing these items for compliance and without due process, I have been patience. I am in distress because my RIGHTS are being disregarded. I have not transferred my RIGHT to you as consumer reporting agency to furnish any private information or any inaccurate information regarding any alleged debt. Please provide an endorsement allowing you to hold my personal business in your software, if none please delete asap according the FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
This complaint is intentional and valid. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are directly and significantly impacting my financial stability and personal well-being. 
This ongoing situation is creating an unjust and unnecessary burden during an already challenging period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I reach out to Collection Receivables, Inc. ( XXXX ) to validate the debt owed of {$1000.00}. There have been no documents given to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I have not logged into Experian since creating an account in XXXX. I wanted to log in to temporarily remove a freeze. The site would not log me in and did not 'recognize ' an alternative ID of SS number, email. I called and got literally a circular runaround from their 'robo-assistant. ' There is absolutely no way to reach a human agent. I called every one of their numbers and get the same robovoice. I resolved this log in issue with XXXX  and XXXX. Experian needs to forced to revise this incredibly shoddy service, especially when they sell our consumer information without our permission.

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 2025-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rhode Island Student Loan Authority
State: RI

Complaint narrative:
I am submitting this formal complaint against the Rhode Island Student Loan Authority ( XXXX ) regarding their inconsistent response to my goodwill adjustment request for XXXX XXXX late payments reported on my student loan in XXXX. 

I have consistently made payments on this loan since XXXX. In XXXX, I enrolled in an Income-Based Repayment ( IBR ) plan, which I have followed responsibly since then. Despite this, XXXX reported XXXX XXXX late payments in XXXX and XXXX of XXXX. Both late payments occurred during a documented period of financial hardship. 

After noticing the negative impact on my credit, I contacted XXXX in good faith and requested that both late marks be removed as a goodwill adjustment. XXXX acknowledged my situation and removed the XX/XX/XXXX late payment. However, they refused to remove the XX/XX/XXXX late payment, citing a policy that allows only XXXX goodwill removal per loan. 

I believe this refusal is unfair and inconsistent because both late payments resulted from the same hardship period and were part of a single goodwill request. Removing XXXX but not the other creates a disproportionate negative impact on my credit report despite identical circumstances. 

I have documented all communications, including XXXX written responses to my goodwill adjustment requests. I can provide the full email correspondence if needed to support my case. 

I respectfully ask the CFPB to investigate this matter and assist with the removal of the XX/XX/XXXX late payment to correct my credit report fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I requested transfer assignment verification of debt original loan signatures.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to me any of the information i requested XXXX with my other complaint they never sent sent verification of debt the ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 am requesting your support to review accounts where these companies have inaccurately reported late payments. I have examined my credit report and found incorrect late payment entries on some accounts. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show the positive status as previously agreed.

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 2025-06-17 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
HIPPA Privacy Clarification-Mental Health This is not a new complaint, but a privacy clarification tied to my previously submitted documentation. 

On XX/XX/year>, I submitted a document to the CFPB ( XX/XX/XXXX Case XXXX ) to validate that I have mental health diagnoses. At the time, it was the only documentation I had access to that could substantiate the emotional and psychological impact described throughout my complaints. The document had originally been intended for an unrelated accommodations process, and was submitted in this case solely because no other supporting records were available to me at that particular time. 

I want to clarify that I hope to receive treatment soon, but I have been out of treatment for more time than is ideal. I have also not signed any release of information. Due to the highly sensitive and personally distressing nature of my mental health history especially given the trauma associated with this case I respectfully request that my mental health provider not be contacted. I am invoking my rights under HIPAA ( the Health Insurance Portability and Accountability Act ) to request full confidentiality regarding mental healthrelated care and communications. 

I understand that Ive shared other medical records related to physical health ( e.g., XXXX, XXXX XXXX ). I am not invoking privacy over those records and do not object to reasonable review of those materials. 

This submission is being made now to avoid confusion, protect my privacy, and ensure no unauthorized contact is made. 

I recognize there has been numerous updates, and I hope this to be the last one. Thank you. Im doing my best to be transparent while also navigating confusion about whether there is a need for multiple submissions. I believe this submission should provide full background on the case now so it can be fully reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/XXXX - {$620.00} - Portfolio Recovery XX/XX/XXXX - {$2600.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} - XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo. ) 281 S.W. 715, 719. I may presume that no evidence of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX Please block this information from my credit report within four 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. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 non-monetary relief
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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