vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
XXXX - XXXX multiple credit inquiries from the following companies. There has been multiple data breaches which Ive been receiving letters now about and thats why I checked my credit reports. I have not received any money, products nor services from these companies. 

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 Inquiry : XXXX XXXX, XXXX + Banks XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX + CrediXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX - XXXX multiple credit inquiries from the following companies. There has been multiple data breaches which Ive been receiving letters now about and thats why I checked my credit reports. I have not received any money, products nor services from these companies. 

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 Inquiry : XXXX XXXX, XXXX + Banks XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX + CrediXXXX 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 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 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 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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Jefferson Capital Systems LLC notifying me that they are trying to collect a debt for XXXX XXXX ( see attachment ). In this email it stated to call or write them by XX/XX/XXXX to dispute all or part of the debt. It went on to states that if I call or write them before XX/XX/XXXX, they " must '' stop all collection on any amount that I dispute and must send me information that I owe the debt. On XX/XX/XXXX I send them by email and regular mail a formal dispute of this alleged debt ( see attachment ) showing them that the debt was previously disputed directly with XXXX and it was removed from my credit report. At no point from XX/XX/XXXX have I received a call or letter from Jefferson Capital Systems LLC about this alleged debt and I assumed that their mistake was resolved. On XX/XX/XXXX, I received a notice from XXXX that I had a collection account put on my credit report from Jefferson Capital Systems LLC for this disputed and previously removed account. Jefferson Capital Systems has not adhered to their own email stating that a dispute would stop all collection and they would send me information about the debt. My position is that they did not send me information showing I owe the debt, because there is not real proof that the debt is mine and that was proven when it was deleted by XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX Balance {$940.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  Balance {$870.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$610.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$510.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae is reporting missed payments at XXXX  days late in XX/XX/scrub> 2024 and XXXX days late in XX/XX/year>2024 on my credit reports. My niece became seriously ill. 

As cosigner, I paid Sallie Mae for those months. I made arrangements, entered into an agreement, and set up auto-draft payments from that point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
I am filing a formal complaint against XXXX XXXX XXXX for ongoing violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX and Metro 2 credit reporting standards. The account in question ( ending in XXXX ) is being reported with a charge-off status and {$10000.00} past due balance, yet the data reflected on my Experian credit report contains serious inconsistencies, unverifiable entries, and violations of mandatory compliance guidelines. 

Despite being marked as a charge-off, XXXX continues to report monthly delinquencies well after the account was closed, which is a Metro 2 violation. According to the Metro 2 format, an account that is charged off must report a {$0.00} past due balance and must not reflect rolling late payments post-charge-off. Reporting monthly charge-off indicators ( CO ) without field-level documentation proving continued delinquency is deceptive, misleading, and a direct violation of 15 U.S.C. XXXXe ( b ) which mandates the maximum possible accuracy of consumer information. 

I have not received any verifiable documentation from the furnisher to support this reportingno signed contract, payment history records, or internal investigation findings. If XXXX can not furnish documented proof validating each Metro 2 field ( such as Field XXXXXXXX XXXX, Field XXXX XXXX XXXX CXXXXe, and Fields XXXX Payment History Profile ), this item must be immediately removed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint to request verification of an account that has been attributed to my name. I have made multiple attempts to obtain documentation from the company involved, specifically requesting the assignment contract and any supporting documentation that confirms how the account was verified and that it legitimately belongs to me. 

Despite my efforts, the company has failed to provide sufficient documentation or evidence to support the validity of this account. Under the Fair Credit Reporting Act ( FCRA ) and CFPB Regulation XXXX ( XXXXXXXX XXXX  Part XXXX ), I have the right to receive clear, detailed, and verifiable information regarding any debts or accounts reported in my name. 

To date, the company has not provided the requested assignment contract or other documentation, raising concerns about the accuracy and legitimacy of the account. I am seeking the CFPB 's assistance in ensuring that the company complies with the applicable regulations by providing all relevant documentation or removing the unverified account from my records. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is reporting missed payments at XXXX days late in XX/XX/year> and XXXX days late in XX/XX/year> on my credit reports. My niece became seriously ill. 

As cosigner, I paid XXXX XXXX for those months. I made arrangements, entered into an agreement, and set up auto-draft payments from that point.

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 2025-03-30 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: OH

Complaint narrative:
XXXX XXXX is reporting missed payments at XXXX  days late in XX/XX/year> and XXXXXXXX  days late in XX/XX/year> on my credit reports. My niece became seriously ill. 

As cosigner, I paid XXXX XXXX for those months. I made arrangements, entered into an agreement, and set up auto-draft payments from that point.

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 2025-03-30 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: OH

Complaint narrative:
XXXX XXXX is reporting missed payments at XXXX days late in XX/XX/2024 and XXXX days late in XX/XX/2024 on my credit reports. My niece became seriously ill. 

As cosigner, I paid XXXX XXXX for those months. I made arrangements, entered into an agreement, and set up auto-draft payments from that point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
Credit bureaus have failed to conduct a reasonable investigation into the disputed accounts on my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. I previously submitted a dispute regarding inaccurate and unverifiable information contained within my credit report. According to the FCRA, credit reporting agencies are required to investigate disputes within XXXX days and provide the results of such investigation. However, upon reviewing my credit report, it is clear that the disputed accounts remain without proper verification or evidence of a thorough investigation. Failure to conduct a reasonable investigation violates FCRA guidelines and my consumer rights. 
As a result, I am demanding the immediate removal of the following accounts within XXXX ( XXXX ) business days from receipt of this letter : XXXX. [ XXXX ] Account Number [ XXXX ] XXXX. [ XXXX ] Account Number [ XXXX XXXX. [ XXXX XXXX ] Account Number [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
Identity theft XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX under the account, XXXX an a credit card XXXX XXXX  BANK opened on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX  ( XXXX ) that appears related to the aforementioned accounts collections These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-30 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: NC

Complaint narrative:
I am submitting this formal complaint because my creditor is reporting inaccurate late payments on my account ending in XXXX, which have not been properly verified or supported with adequate documentation. 

I have disputed this information directly with the XXXX major credit bureaus ( XXXX, XXXX, and Experian ), as well as with the furnisher, requesting proper verification of the reported late payments. However, despite my efforts, the late payments continue to appear on my credit report without sufficient evidence to validate their accuracy. 

Under 15 USC XXXX ( a ), furnishers are legally required to report accurate and up-to-date information. Furthermore, under 15 USC XXXX, credit bureaus are obligated to conduct a reasonable investigation and remove or correct any information that can not be properly verified. 

In this case, neither the creditor nor the credit bureaus have provided adequate documentation to justify the validity of the reported late payments. Therefore, I request that : A thorough and objective review of the case be conducted. 

The creditor be required to provide verifiable documentation supporting the accuracy of the reported late payments. 

If the creditor is unable to provide such evidence, I request that the negative information be removed from my credit report with all three bureaus ( XXXX, XXXX, and Experian ). 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure the accuracy and fairness of my credit report.

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 2025-03-30 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: NV

Complaint narrative:
I do not recognize these credit inquires and I had ask for them to be remove and the bureau did not do as I asked I am providing an identity theft report which I will attach I am request them to be removed because they are inaccurate and not mines I also file a report previous they was remove and now back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-03-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have reached out to the company holding my private student loan, in which was sold several times. I ask for original documentation because the original loan was one thing and went up to double the amount ( XXXX to XXXX ). No one has responded. This took place in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NC

Complaint narrative:
I am submitting this formal complaint because my creditor is reporting inaccurate late payments on my account ending in XXXX, which have not been properly verified or supported with adequate documentation. 

I have disputed this information directly with the threXXXX major credit bureaus ( Equifax, XXXX, and XXXX ), as well as with the furnisher, requesting proper verification of the reported late payments. However, despite my efforts, the late payments continue to appear on my credit report without sufficient evidence to validate their accuracy. 

Under 15 USC 1681s-2 ( a ), furnishers are legally required to report accurate and up-to-date information. Furthermore, under 15 USC 1681i, credit bureaus are obligated to conduct a reasonable investigation and remove or correct any information that can not be properly verified. 

In this case, neither the creditor nor the credit bureaus have provided adequate documentation to justify the validity of the reported late payments. Therefore, I request that : A thorough and objective review of the case be conducted. 

The creditor be required to provide verifiable documentation supporting the accuracy of the reported late payments. 

If the creditor is unable to provide such evidence, I request that the negative information be removed from my credit report with all three bureaus ( Equifax, XXXX, and XXXX ). 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure the accuracy and fairness of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$940.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$870.00} Open date XX/XX/XXXX XXXX XXXX XXXX Balance {$610.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$510.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX 2002

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