vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. A Class Action Lawsuit was determined in this matter and at the moment I Demand for the attached accounts to be removed immediately. The credit reporting agencies continue to violate my consumer protection rights. And Im submitting Proof for my claim. See attached ;

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 2025-03-17 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience and according to 15U.S.C.1692C, my rights have been violated by unlawful communications. Please remove these collections off of my credit report. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience and according to 15U.S.C.1692C, my rights have been violated by unlawful communications. Please remove these collections off of my credit report. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
On XX/XX/XXXX, I sent a cease and desist letter to National Credit Systems, formally requesting that they cease all communication with me. Additionally, I requested that they provide documentation of their legal authority to collect on the account, specifically the assignment contract with the original creditor. Despite this, on XX/XX/XXXX, I received a text message from National Credit Systems offering a settlement at a discounted amount. This communication constitutes a potential violation of 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 explanation
Consumer complaint received 2025-03-17 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:
My Identity was stolen there are numerous loans and credit cards open in my name fraudulent and without my authorization and 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have had no success speaking to anyone about the information being reported and they do not comply with laws obviously. When i call, I am on hold for very long waits or the system prompts automated responses that hardly help to connect. It seems like they are comfortable at leaving people on hold in hope that one will get discouraged and that is the case here for many years of not knowing the violations. My compalint is that the reporting company has not done due process to know that the alleded student loan debts ( all accounts ) XXXX  days late in XX/XX/year> but in XXXX and XXXX is not a XXXX day or XXXX day late. Also the XXXX as well as XX/XX/year> is also a XXXX days late. How can they do that, report inaccurate information and share misleading account information to anyone who have requested and trust them to tell the truth based of their diligent investigation in which they have not done on behalf of me the consumer. They have continued to ruin my reputation and the law is holding all accountable. I have made update to my name and they still put it any kind of way and that does not represent me. I never gave them XXXX  because i have a full name, XXXX XXXX XXXX. They have not validated the investigation. Nelnet did not comply so, i know XXXX have not investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been through XXXX XXXX, and while I was being XXXX, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 2025-03-17 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
This is my second attempt to remove these inaccuracies from my XXXX, XXXX and XXXX profiles the company have not sent me any information concerning this matter but it still shows on my credit and under the law code 605b it supposed to be removed items being Exeter Finance LLC acct # XXXX closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Me and a couple of my colleagues, and some of our XXXX XXXX are going on a XXXX, Im supposed to be purchasing all passes and all events and all the exciting events for the trips, so theyve been using XXXX to send the money to my girlfriend and she XXXX  it to me and I transfer to my XXXX  since I do not have XXXX. I accepted a couple payments, and then when I was attempting to accept the last payment it kept failing. I ended up getting told my XXXX  account was currently suspended, asked to submit some ID information that Ive used previously when creating my account, and did as I was asked. But then when I submitted the information it was a weekend if Im not mistaken, I woke up this morning to the response from XXXX saying Ive been permanently suspended, Ive been with XXXX for YEARS, not only that all my XXXX XXXX  monthly payments come through XXXX, I use it to receive the funds for my business monthly, I dont see why just because I accepted some money from my girlfriend that I need to be permanently suspended, it makes no sense. If I knew XXXX was operating like this, I wouldnt have ever used it. Now I currently have over {$1000.00} sitting inside of my XXXX  account, which I need for both my XXXX  and I, and we are currently unable to finish booking what we need for the XXXX  seeing as XXXX says itll take 180 days to release my funds, which is preposterous. Not only that Ill also need to find another payment platform to receive the monthly XXXX  payment from my XXXX, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I have spoke to Equifax as recently as today XX/XX/25 regarding my credit score. My credit score has dropped XXXX pts in last few months for no reason ( dropped over XXXX pts in XXXX years ). 

Just to give you my background. I have over 30 years of credit experience ( mortgages and other loans and credit cards ). Never once has I have I ever missed a payment, missed paying a loan off, filed bankruptcy, or any other negative situation. 

The representative told me I do not have enough history and is part what my score is determined by. So I asked to I need to have more credit cards and mortgages to increase my score. She indicated that is may help. 

Please make it make sense. I have never been late on payments or any other negative activity, but I am being punished because I pay my bills on time and keep my balances and accounts to a minimum. 

Credit ratings should be based on payment and account history, not how many accounts I have open. There is no logic to this! 

I am not a XXXX XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX  with excellent history!

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 2025-03-17 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: FL

Complaint narrative:
I have spoke to Equifax as recently as today XX/XX/25 regarding my credit score. My credit score has dropped XXXX pts in last few months for no reason ( dropped over XXXX pts in XXXX years ). 

Just to give you my background. I have over 30 years of credit experience ( mortgages and other loans and credit cards ). Never once has I have I ever missed a payment, missed paying a loan off, filed bankruptcy, or any other negative situation. 

The representative told me I do not have enough history and is part what my score is determined by. So I asked to I need to have more credit cards and mortgages to increase my score. She indicated that is may help. 

Please make it make sense. I have never been late on payments or any other negative activity, but I am being punished because I pay my bills on time and keep my balances and accounts to a minimum. 

Credit ratings should be based on payment and account history, not how many accounts I have open. There is no logic to this! 

I am not a XXXX XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX  with excellent history!

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 2025-03-17 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: CT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-17 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: IL

Complaint narrative:
Under section 605 b and the Data breach with trans union this inquiry information have to be deleted within 4 business days not 30 nor 60 days also Title 15 USC 1681 and Title 15 use 1692 XXXX XXXX XX/XX/2024 Reference # 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 2025-03-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Summary of Accounts being challenged in list form Public Record Details XXXX XXXX XXXX filing Docket Number : XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account XXXX The information regarding these accounts is inaccurate because I dont have a contract with any of these company nor do I owe a balance. accounts needs to be deleted immediately because it is detrimental to my Credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

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 non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-03-17 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On or around XX/XX/year> I submitted a dispute letter to XXXX requesting an investigation of an alleged late payment that has been reporting on my credit file. In my dispute letter I requested verification in the form of any existing documents such as statements or bank statements from the creditor XXXX that I was more than XXXX  days late on a payment. I have sent this request on multiple occasions with the only response from XXXX being that the debt has been Verified as Accurate with absolutely no supporting documentation proving so which is my right under the FCRA laws that they furnish to me the method of verification. XXXX a boldly and blatantly REFUSED to conduct a proper investing, which seems to be their customary practice of not completing investigations properly and providing me with the method in which they employed to verify this allegation of a late payment.

Company response to consumer: Closed with explanation