vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MS

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 2025-04-24 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 writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX T XXXX - XXXX XXXX XXXX XXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX-Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX T XXXX - XXXX XXXX XXXX XXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX-Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My request for the XXXX XXXX XXXX was wrongfully denied, despite meeting eligibility requirements. My loan is with Sloan Servicing. They are now requesting a payment of {$380.00} on XX/XX/2025. My previous payment amount was {$0.00} due to low income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Medical Data Systems, Inc.
State: NV

Complaint narrative:
Medical debt has been reported to XXXX. I disputed this debt, as it is against federal law to report. It was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
XXXX XXXX XXXX ( XXXX, Account # : XXXX XXXX XXXX XXXX XXXX  This account appears as a collection account. I dispute its accuracy due to [ e.g., incorrect balance, paid status not updated, or unverifiable ownership ]. 
FCRA Violations : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum accuracy if the balance, status, or ownership is incorrect. 
Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ) : The furnisher may have reported inaccurate or outdated information. 
Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If unverifiable, this account must be removed. 

XXXX XXXX XXXX ( XXXX XXXX  ) Issue : This collection account may be inaccurately reported [ e.g., incorrect date of delinquency, re-aged beyond 7 years, or unverifiable ]. I have no record of this debt being valid or properly documented. 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting if dates or amounts are incorrect. 
Section 605 ( a ) ( 5 ) : If the debt is beyond the 7-year reporting period, it must be removed. 
Section 611 ( a ) ( 1 ) : Failure to verify if previously disputed and not corrected XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX Issue : This collection account may have incorrect derogatory marks, balance, or dates. I dispute its accuracy and verifiability, as it may be part of a prior unresolved dispute ( e.g., " XXXX '' ). 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting if derogatory status or balance is incorrect.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable investigation if previously disputed.

Section 623 ( a ) ( 1 ) : The furnisher may have provided unverifiable data.

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 2025-04-24 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:
XXXX XXXX XXXX ( XXXX, Account # : XXXX XXXX XXXX XXXX XXXX  This account appears as a collection account. I dispute its accuracy due to [ e.g., incorrect balance, paid status not updated, or unverifiable ownership ]. 
FCRA Violations : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum accuracy if the balance, status, or ownership is incorrect. 
Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ) : The furnisher may have reported inaccurate or outdated information. 
Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If unverifiable, this account must be removed. 

XXXX XXXX XXXX ( XXXX XXXX  ) Issue : This collection account may be inaccurately reported [ e.g., incorrect date of delinquency, re-aged beyond 7 years, or unverifiable ]. I have no record of this debt being valid or properly documented. 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting if dates or amounts are incorrect. 
Section 605 ( a ) ( 5 ) : If the debt is beyond the 7-year reporting period, it must be removed. 
Section 611 ( a ) ( 1 ) : Failure to verify if previously disputed and not corrected XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX Issue : This collection account may have incorrect derogatory marks, balance, or dates. I dispute its accuracy and verifiability, as it may be part of a prior unresolved dispute ( e.g., " XXXX '' ). 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting if derogatory status or balance is incorrect.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable investigation if previously disputed.

Section 623 ( a ) ( 1 ) : The furnisher may have provided unverifiable data.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently filed a dispute with the credit reporting companies ( TransUnion, Equifax, and Experian ) regarding a collection account from XXXX XXXX. The result of that dispute ( Reference # : XXXX ) clearly stated that the account was deleted from my credit file. However, as of today, the XXXX XXXX account is still appearing on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, as Equifax is inaccurately reporting the results of a reinvestigation. 

Additionally, there are two collection accounts on my credit report one from XXXX XXXX XXXX and one from XXXX XXXX XXXX that I am unable to dispute through any online dispute center. These accounts are actively affecting my credit, yet the credit reporting companies have provided no accessible method for me to challenge their accuracy. This denies me my right under the FCRA to dispute any item in my report. 

I am requesting : Immediate removal of the XXXX XXXX collection from my credit file per the dispute outcome. 
That the credit reporting companies provide the ability to dispute the XXXX XXXX and XXXX XXXX accounts, or remove them if they can not be properly validated. 

I have screenshots and documentation of all the above. Please investigate this matter and compel the credit reporting companies to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: WY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX social security # # XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, Wyoming XXXX. The reason for my complaint is Equifax credit bureau and TransUnion credit bureau is reporting inaccurate/inconsistent information on my credit report I have disputed this account several times and they keep reporting inconsistent inaccurate information after I have disputed this account more than XXXX finally deleted after the XXXX dispute.but Experian and Equifax keep violating my rights under the fair credit reporting act. According to ( 15 usc 1681s-2 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.i am providing proof copy of this account on my most recent credit report XX/XX/XXXX the pictures I'm attaching reflectbseveral discrepancy on the following account. XXXX XXXX XXXX XXXX XXXX account # XXXX  balance of {$6700.00} the open dates on both transunion and Equifax are the same XX/XX/XXXX XXXXbut the date of last activity on Equifax XXXX XX/XX/XXXX and Experian XXXX XX/XX/XXXX the account status on Equifax reflects it being XXXX and Experian reflects the account being closed.on Equifax it reflects the term service as not provided and on Experian it reflects provided.also the there is no payment history on Equifax and on Experian XXXX has XXXX late payments.finaly on Experian it reflects the most recent adverse rating as charge off and on Equifax the most recent XXXX rating is no data provided.from my understanding everything has to be XXXX  XXXX accurate and that is not the case in regards to XXXX XXXX XXXX on Experian and my Equifax credit report.please investigate this account and delete immediately because it is stopping me from getting an apartment because of an eviction on my credit report.this account was paid in full because of COVID XXXX the government paid the entire years rent for me.i also was going threw XXXX at this time.ibwas diagnosed with stage XXXX XXXX in XXXX of XXXX XXXX XXXX has been deleted from my transunion credit report but Equifax and XXXX do a proper XXXX in regards to this account.please help me correct/delete this inaccurate account from my Experian and Equifax credit report as soon as possible so XXXX can get an apartment an have a place to live. Thank you kindly for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor : XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally XXXX my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within XXXX  days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
Data breach on XX/XX/2025 estimated XXXX XXXX  {$1000.00} XXXX XXXX  data Breach {$810.00} XXXX XXXX XXXX {$30.00} XXXX XXXX data breach {$630.00} XXXX data Breach {$1600.00} XXXX XXXX data breach {$8000.00} XXXX XXXX {$1200.00} XXXX XXXX Bank data breach {$630.00} XXXX XXXX XXXX XXXX {$41.00}, XXXX Delete Late Payments 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( Billing Error must be removed ) Delete Collections must be removed immediately 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b )

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