vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : [ Equifax / XXXX  select the bureau reporting the incorrect late payments ] Subject : Second Dispute Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear Equifax, XXXX XXXX XXXX, This letter is a follow-up dispute regarding a previously challenged entry on my credit report : DEPT OF ED/XXXX  student loan account ( Account # XXXX ). The account is reporting three 90-day late payments, yet my XXXX  credit report shows zero late payments for the same account. Additionally, the remarks clearly state Payment deferred, which indicates no payments were due during the period in question. 

Despite my prior dispute submitted on XX/XX/year>, the late payments continue to be inaccurately reported. I am requesting, once again, under the Fair Credit Reporting Act ( FCRA ) : Written proof of the investigation conducted and Verification of the reported late payments, including the payment schedule and due dates proving these were truly late. 

If you are unable to provide this documentation, as required by federal law, I am demanding that the negative payment history be immediately deleted from my credit report. 

The reporting of late payments during a period of deferment is not only misleading but violates the FCRAs requirement that all information be accurate and verifiable. Failure to correct this may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. 

Please complete this investigation within 30 days and mail me a detailed report of your findings, as well as a corrected copy of my credit report if changes are made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : [ XXXX  / XXXX  select the bureau reporting the incorrect late payments ] Subject : Second Dispute Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear XXXX, Trans Union XXXX, This letter is a follow-up dispute regarding a previously challenged entry on my credit report : DEPT OF ED/XXXX  student loan account ( Account # XXXX ). The account is reporting three 90-day late payments, yet my TransUnion credit report shows zero late payments for the same account. Additionally, the remarks clearly state Payment deferred, which indicates no payments were due during the period in question. 

Despite my prior dispute submitted on XX/XX/year>, the late payments continue to be inaccurately reported. I am requesting, once again, under the Fair Credit Reporting Act ( FCRA ) : Written proof of the investigation conducted and Verification of the reported late payments, including the payment schedule and due dates proving these were truly late. 

If you are unable to provide this documentation, as required by federal law, I am demanding that the negative payment history be immediately deleted from my credit report. 

The reporting of late payments during a period of deferment is not only misleading but violates the FCRAs requirement that all information be accurate and verifiable. Failure to correct this may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. 

Please complete this investigation within 30 days and mail me a detailed report of your findings, as well as a corrected copy of my credit report if changes are made. 

Sincerely, 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 2025-06-25 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: AR

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for its ongoing failure to remove or properly investigate unauthorized credit inquiries on my consumer credit report, despite receiving multiple disputes and formal requests for documentation as required by federal law under the Fair Credit Reporting Act ( FCRA ). 

On XXXX, I submitted a written dispute to Experian identifying several unauthorized inquiries that appeared on my credit report. These inquiries were made without my written permission or permissible purpose, as defined by 15 U.S.C. 1681b ( c ) ( 1 ) ( A ), 1681b ( f ), and 1681b ( a ) ( 3 ). I also requested, in writing, that Experian provide : The name of the party who accessed my credit report ; A copy of the written authorization allegedly used to justify the inquiry, as required by law ; The specific permissible purpose under which each inquiry was made ; Documentation showing a legally valid reason for furnishing my consumer report.

In addition to my initial written dispute, I made two separate phone calls to Experian representatives to follow up on the matter. In each instance, I reiterated my demand for proper documentation and clearly explained that the inquiries were unauthorized. 

As of XXXX, Experian has failed to provide : Any documentation showing that I authorized these inquiries ; Any written proof of a permissible purpose ; Any notice of proper reinvestigation, as required by 15 U.S.C. 1681i ( a ).

Despite being lawfully notified and given the opportunity to correct the matter, Experian continues to retain and report these unauthorized inquiries, causing harm to my creditworthiness and reputation.

Violations : 15 U.S.C. 1681b ( f ) : Furnishing a consumer report without a permissible purpose is unlawful.

15 U.S.C. 1681b ( a ) ( 3 ) : There must be a clearly defined permissible purpose, which Experian has not proven.

15 U.S.C. 1681i ( a ) : Experian has failed to conduct a reasonable reinvestigation within 30 days of my dispute.

15 U.S.C. 1681b ( c ) ( 1 ) ( A ) : No proof of written authorization for soft or promotional inquiries has been provided.

Relief Requested : I respectfully request that the CFPB : Investigate Experian for willful non-compliance with FCRA requirements.

Enforce removal of the unauthorized inquiries from my credit file.

Compel Experian to produce documentation proving permissible purpose and written authorization.

Evaluate whether Experians actions warrant penalties or sanctions for negligent or willful violations of federal law.

Attached is a copy of my written dispute sent to Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-25 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-06-25 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:
This account has been paid off and I asked credit reporting agency to update the information being reported not to dispute accuracy or validate account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
This account has been paid off and I asked credit reporting agency to update the information being reported not to dispute accuracy or validate account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report fraudulent activity on my credit report. My personal information was compromised due to a data breach involving XXXX, and as a result, I am the victim of identity theft.

I have recently reviewed my credit report and discovered several accounts that I do not recognize, nor did I authorize or open. These accounts were fraudulently created without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my rights to dispute the validity of these accounts and to request an immediate investigation and removal of all unauthorized and inaccurate information related to this identity theft.

The following accounts are being disputed as fraudulent : [ List the names of the companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aargon agency Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the following steps to protect my identity : Filed an identity theft report with the Federal Trade Commission ( FTC ) Reported the issue to the credit bureaus Placed a fraud alert / security freeze on my credit file I am requesting the following actions : 1. Immediate removal of all fraudulent accounts from my credit report.

2. A complete re-investigation of any negative items resulting from this theft.

3. Written confirmation that the disputed accounts have been deleted or corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax XXXX XXXX ; Thomas v. TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a XXXX XXXXXXXX settlement following procedural failures. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am not reliable for this debt with XXXX XXXX XXXX XXXX, i do not have a contract with this company, they did not provide me with the original contract as i requested, this debt is not mine please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Equifax / XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear Equifax/XXXX XXXX, This letter serves as a formal dispute regarding inaccurate and unverifiable late payment reporting on my credit file for the student loan account with DEPT OF ED/XXXX, account number XXXX. 
This account currently reflects three 90-day late payments, even though the remarks state Payment deferred, and my XXXX  report shows XXXX late payments for this same account. I have previously disputed this matter on multiple occasionsXXXX XXXX XXXX, and XX/XX/XXXX, XXXXand I still have not received proper verification or documentation supporting the negative status of this account.

Per the Fair Credit Reporting Act ( FCRA ), any item listed on a consumers credit report must be accurate, complete, and verifiable. Reporting missed payments during a deferment period, when payments are not required, is misleading and violates the FCRA.

Accordingly, I am requesting : 1. Immediate deletion of the inaccurate late payments from this account ; 2. Full investigation documentation, including payment records, due dates, and evidence supporting any claim of delinquency ; 3. An updated copy of my credit report reflecting the corrected status of this account.

If the accounts negative payment history can not be fully verified, it must be removed. Continued failure to correct this matter may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action.

Please complete your investigation within the 30-day window required by law and confirm the outcome in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief