vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-26 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
" FILE FROZEN DUE TO FEDERAL LEGISLATION '' I am unable to obtain the credit I need due to the above statement and request : XXXX. That it be removed immediately, XXXX. Full explanation of federal legislation, XXXX. Full explanation of who put this on my reports, and XXXXFull explanation of why this was put on my 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear EXPERIAN, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that EXPERIAN is not adhering to the obligations set forth under federal law, specifically 15 U.S.C. 1681c-2. 

Your continued delay in addressing my complaint is unacceptable, and I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act. 

I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 

Sincerely, 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be updated as I have written in my complaint. 
TO WHOM IT MAY CONCERN, REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLOWING ACCOUNTS : 1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. 
ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE. 
THANK YOU. 
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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
After reviewing my consumer report, it has a company named LVNV Funding LLC listed as a collections agency, account number XXXX. I was not made aware of this debt and did not have the opportunity to dispute this account within the 30 days afforded me by the Fair Credit Reporting Act, 15 U.S. Code 1692g. I never received written verification of the debt, the original creditor 's name with the total amount of the debt. I request all the following documents ; the Bill of Sales, Debt Validation letter, Original Contract, Flow Agreement, Transfer of Assignment and Ownership of Debt. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature along with all other requested documents. If not, please delete account LVNV Funding LLC, account number XXXX immediately from my consumer report, or I will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: RI

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 : XXXX XXXX, XXXX, XXXX, has violated my rights. 

I reviewed my TransUnion credit report on XX/XX/2025, and noticed that some information is incomplete and inaccurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) According to 15 USX 1681, I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.

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 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 or any other adverse item of information, other than records of convictions of crimes that antedate 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 2025-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
I have called them in XXXX and XXXX in regards to the very high monthly payments and they did give me to XXXX to pay but the monthly payments are still very high for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
b'I am writing to follow up on my previous letters regarding the removal of fraudulent items from my credit report. I am once again requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items as required by law, as stated in my identity theft report. Please review the listed fraudulent items that I would like to be removed from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
b'I am writing to follow up on my previous letters regarding the removal of fraudulent items from my credit report. I am once again requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items as required by law, as stated in my identity theft report. Please review the listed fraudulent items that I would like to be removed from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent information from my credit report. I am a victim of identity theft, and several accounts and inquiries listed on my credit report are not authorized by me and were opened without my consent. These entries are inaccurate and do not pertain to me in any way. 

In compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that you block and remove all unauthorized accounts and inquiries from my credit file. Enclosed with this letter, you will find a detailed list of the disputed items, along with a copy of the Identity Theft Report I filed with the Federal Trade Commission ( FTC ) for your reference.

Please take the necessary steps to promptly investigate and remove these fraudulent entries from my credit report. I would appreciate written confirmation once these corrections have been made.

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 2025-06-26 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I purchased a car loan with XXXX XXXX XXXX FL. 

XXXX XXXX  sold the count or transferred the account to XXXX XXXX XXXX XXXX. 

The credit bureaus are showing that the account was closed on the credit report and also showing that l have two auto loans. 

I only have one auto loan and nothing was never closed. 

The two auto loans are making my credit usages higher and by the other account showing as close is lowering my credit score. 

Lastly, my balance is incorrect, its {$33000.00}

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 2025-06-26 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: CA

Complaint narrative:
I purchased a car loan with XXXX XXXX XXXXXXXX FL. 

XXXX XXXX sold the count or transferred the account to XXXX XXXX XXXX XXXX. 

The credit bureaus are showing that the account was closed on the credit report and also showing that l have two auto loans.

I only have one auto loan and nothing was never closed.

The two auto loans are making my credit usages higher and by the other account showing as close is lowering my credit score. 

Lastly, my balance is incorrect, its {$33000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681 Inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Accounts : Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX  Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681 Inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Accounts : Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX  Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Acct. No : XXXX Date Opened : XX/XX/XXXX Balance : 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 2025-06-26 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: NJ

Complaint narrative:
Someone is using Experian to try and access my personal information. They are using my email which they dont have access too. But I can not get in contact with anyone from Experian.

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