vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this Year. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I have encountered difficulties accessing my [ Experian, Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-05-07 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: DE

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. 

XXXX - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> ( after numerous log in attempts and XXXX phone calls ) I was finally able to speak with XXXX at Equifax. I was unable to log in and the online assistance was unavailable. I was trying to lift a freeze on my report as I was applying for credit. XXXX stated that she manually lifted the freeze and was going to escalate the login difficulties to tech support and they would contact me. She also told me that Equifax had been experiencing technical issues. As of today, I have heard nothing from tech support and am still unable to log in ( XXXX number XXXX ), and according to the bank where I applied for credit the report remains in a " freeze '' state. I called on XX/XX/year>, XX/XX/year> and XX/XX/year> asking for assistance logging in. Today 's conversation with XXXX went nowhere yet again. I am told the report is unlocked but when I ask about assistance getting access to my report I am told " not to worry ''. I am very frustrated with this. I would much rather be able to log in to my credit report that try to call Equifax as that is next to impossible. Please help! 
I have copies of email and letter I received from Equifax but can not attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-07 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








Inquiry 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 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 2025-05-07 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: SC

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Subject : Formal Dispute of Alleged Medical Debt Frost-Arnett / XXXX XXXX Dear CFPB, I am writing to formally dispute a medical debt being reported and/or collected by Frost-Arnett on behalf of XXXX XXXX XXXX. I recently received a text message from Frost-Arnett demanding payment via an unverified link requiring my zip code, without any previous notice of this alleged debt. 

This debt is not legitimate for the following reasons : No Bill or Prior Notice : I have never received a statement, phone call, email, or mailed notice of any outstanding medical bill from XXXX XXXX or Frost-Arnett . This collection was the first and only notification, and it came in the form of a suspicious text message. 

XXXX Coverage at the Time of Service : The only possible instance this could reference is a single ER visit in 2023 when I was fully covered by XXXX after relocating to Georgia post-Hurricane Ian. I presented my XXXX card at that time. Therefore, I should not owe any out-of-pocket charges, and certainly not be placed in collections. 

Potential Error or Fraud : I am aware of multiple consumer reports online about Frost-Arnett attempting to collect on debts that were already paid, covered by insurance, or entirely fabricated. The nature of this collectionno invoice, no phone call, only a clickable textraises serious concerns of error, abuse, or fraud. 

Executive Orders and Credit Reporting Rules : It is my understanding that Executive Orders and recent regulatory actions ( including under the XXXX administration ) have significantly curtailed the reporting of XXXX debt on credit reports, especially debts under {$500.00} or involving insurance/XXXX-related discrepancies . This collection should not be allowed to impact my credit score, even while in dispute. 

I am requesting the following actions : Immediate investigation and verification of this debt. 

Written proof of any charges, dates of service, and billing history. 

Removal of any negative credit reporting or collection activity related to this matter. 

Until this debt is verified, I do not acknowledge any responsibility for payment. Please treat this letter as a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
I am writing to file a formal complaint against XXXX ( XXXX XXXX Account XXXX XXXXXXXX, Radius XXXX XXXX ) for fraudulent misrepresentation of my payment history to Experian, XXXX, and XXXX. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX, XXXX, AZ XXXX. The account balance is {$10000.00}. I have attached documentation, including payment history and redacted contract pages from XXXX. 

XXXX misreported my XXXX  missed payment as XX/XX/XXXX, despite records showing a delinquency in XX/XX/XXXX, with a {$5.00} late fee on XX/XX/XXXX. This appears to extend the debts reporting period beyond the XXXXyear limit, pressuring me to pay. I provided Experian with full payment history, but they closed my dispute on XX/XX/XXXX, without correcting the data, only showing payments from XX/XX/XXXX, which are also inaccurate due to another delinquency that month. Experian seems to favor creditor complaints over mine. 

I request XXXX delete this account from my credit report, as it exceeds XXXX years and is inaccurately reported. Please investigate XXXX practices and ensure my credit report complies with the law.

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 2025-05-07 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: TX

Complaint narrative:
I noticed an erroneous loan applied to my credit. It's from EdFinancial Services Acct XXXX XXXX, phone number XXXX for {$1700.00}. I disputed the charge, as I never applied for a student loan. The dispute was denied from EdFinancial. On XX/XX/year> I once again disputed the claim and called EdFinancial. They informed me that it was up to me to get this corrected and that I needed to fill out their forms ( of which they have yet to send to me ) and file a police report. I currently have a police report on file with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Immediately after speaking with EdFinancial, another person from XXXX XXXX called from XXXX asking about the loan. This all seems very suspicious. Also, the address on the loan was XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( NOT MY ADDRESS ) and email XXXX ( NOT MY EMAIL ). The loan was for XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-07 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:
When I went to check my profile I came across some inquiries that were not mine.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am filing this complaint regarding the actions of PORTFOLIO RECOVERY ASSOCIATES, which is attempting to collect a debt that I do not recognize and has failed to provide proper validation under federal law. 

PORTFOLIO RECOVERY ASSOCIATES is not the original creditor, and as a third-party debt collector, they are required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to provide written verification of the debt upon request. I have formally requested that PORTFOLIO RECOVERY ASSOCIATES validate this alleged debt by providing : A copy of the original signed contract or agreement A detailed and itemized statement from the original creditor Proof of the chain of custody or ownership of the debt ( showing how and when they acquired it ) Documentation clearly showing that this debt is mine To date, they have failed to provide any of this information. Despite that, they have reported this unverifiable debt to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting a debt without proper verification is not only misleading but legally improper.

Therefore, I am demanding the following : 1. If PORTFOLIO RECOVERY ASSOCIATES can not provide valid and complete documentation as required by law, they must immediately cease all collection efforts. 
2. The alleged debt must be immediately removed from all credit reports, as it is unverified and improperly reported. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as PORTFOLIO RECOVERY ASSOCIATESs actions appear to violate my rights under both the FDCPA and FCRA. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief