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: 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
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
this debt does not belong to me. i have reached out multiple times to have it resolved.

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: NY

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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: NY

Complaint narrative:
I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, XXXX XXXX XXXX [ Account Number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
This issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit Reporting act ( FCRA ). Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, I would like to refer to the Protection Against Non-Payment of Obligations

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: RentDebt Automated Collections, LLC
State: MS

Complaint narrative:
I am writing to formally report that I am a victim of identity theft involving the fraudulent use of my personal information to lease an apartment. This lease was obtained without my knowledge or consent, and I had no involvement in authorizing or applying for it. 

This is a clear case of identity theft, and I am not the person who submitted or authorized the use of such information. 

I first became aware of this situation in XX/XX/year> when when I tried to apply for an apartment, this eviction is now in collection on my credit report in this amount of {$4400.00} from RENT DEBT AUTOMATED COLLECTIONS. I have previously been a victim to all three credit bureaus data breaches. Upon discovering this, I took immediate action to protect myself and resolve the situation.

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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I contacted CB indigo on XX/XX/XXXX at XXXX PM at XXXX. I spoke to a representative about an account I have no knowledge of however it has been being reporting negatively on my credit report to all three credit bureaus since XXXX. I gave the representative my name and Social Security number and I was informed they had no account with my name or Social Security number and then I asked why are they reporting negatively on my report which they had just updated XX/XX/XXXX. He could not give me an answer. He told me to contact all three credit bureaus and disputed the account.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  Account number : 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: 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:
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 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: 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
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: EQUIFAX, INC.
State: GA

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 List of Unauthorized Inquiries : 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 2025-05-21 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried disputing this information but its showing all of my accounts on equifax are showing I dont have a XXXX payment history that is not correct i have never missed any payments on my account

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: EQUIFAX, INC.
State: CT

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 detrimental to my life and credit health

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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is XXXX XXXX XXXX involved, its me personally who is filling this complaint. 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : 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: 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: IN

Complaint narrative:
I was a victim of identity theft by my sister that passed away .. she open accounts in my name and destroyed my credit card.. I filed a police report also..

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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: EDvantage LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I first enrolled in a program at XXXX XXXX in XX/XX/XXXX but had to drop out due to financial difficulties. I re-enrolled in the program around XX/XX/XXXX. 

During my re-enrollment process, I initially worked with a representative named XXXX XXXX in XXXX of XXXX, who promised to assist me but then stopped answering my calls and blocked me. When I visited the campus multiple times trying to reach him, staff said he was always in meetings and unavailable. Eventually, I spoke with another staff member named XXXX ( department unknown ) this on XX/XX/XXXX, who enrolled me and granted an extension. 

However, the support I received from student services was very poor. Staff were rude and dismissive, especially when I struggled with clocking my hours. They rushed me out and made me feel uncomfortable, which forced me to leave the department. I was asked to come back to sign additional forms that were initially forgotten. 

In the financial department, a staff member named XXXX requested that I send a picture of my Social Security card to her personal phone, which I found highly inappropriate. Throughout this time, I was not properly supported in logging my hours. 

Regarding course materials, I paid extra for new books as indicated in my enrollment agreement, but was instead given used books without explanation. When I questioned this, staff told me that re-enrolled students only receive used books, which contradicted what I had paid for. I have messages about this issue. 

Due to these issueslack of support, poor treatment, and confusion about materialsI eventually dropped out again. 

Six months after dropping the program, I began receiving daily calls demanding payment of {$500.00} and then over {$1000.00}. I have proof showing my balance was fully paid, including an {$86.00} payment that XXXX acknowledged was my last. Despite multiple requests, XXXX XXXX has failed to provide any documentation proving I owe this amount. 

I have documentation including emails, payment receipts, records of visits to campus, and a recorded phone call where a representative refused to provide proof of debt without a lawyer present. This was today XXXX I am requesting the Department of Education investigate XXXX XXXX for their mishandling of my academic experience and unjustified financial claims.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request an immediate investigation and removal of the following hard inquiries that appear on my credit report, which I do not recognize and did not authorize : XXXX via Dealer - XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, 2024 Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), a hard inquiry may only be made with the express written consent of the consumer. I have not provided written authorization to these companies to access my credit report. If you can not verify that proper authorization was given, you are required to remove these inquiries immediately.

Please consider this letter a formal dispute. I am requesting : The name and address of each party who made the inquiry ; Documentation proving that I authorized each inquiry ; Removal of any unverifiable or unauthorized inquiries from my report.

If you can not provide verifiable documentation within 30 days, I expect the inquiries to be permanently deleted in compliance with the FCRA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I have sent this information to the bureau 's all three with all documents need a police report and F.T.C. IDENITIY THEFT REPORT, I JUST WANT THE ACCOUNT AND INQUAIRES THAT ARENT MINE ERASED AND ALL LATE PAYMENTS ERASED AND DEREORTY REMARKS ERASED.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft and I have sent this information to the bureau 's all three with all documents need a police report and F.T.C. IDENITIY THEFT REPORT, I JUST WANT THE ACCOUNT AND INQUAIRES THAT ARENT MINE ERASED AND ALL LATE PAYMENTS ERASED AND DEREORTY REMARKS ERASED.

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: NV

Complaint narrative:
I am a victim of identity theft and I have sent this information to the bureau 's all three with all documents need a police report and F.T.C. IDENITIY THEFT REPORT, I JUST WANT THE ACCOUNT AND INQUAIRES THAT ARENT MINE ERASED AND ALL LATE PAYMENTS ERASED AND DEREORTY REMARKS ERASED.

Company response to consumer: Closed with non-monetary relief