vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Birthday : XX/XX/XXXX XX/XX/XXXX G2 Bankruptcy Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Incorrect Credit Report Information G2 Bankruptcy Risk Solutions Public Record ( Bankruptcy ) To whom it may concern : I am writing this letter to formally dispute the bankruptcy currently listed on my credit report. I have become aware that this information was sourced from G2 Bankruptcy Risk Solutions, a third-party service provider that compiles and sells bankruptcy data to credit bureaus. 
Under 15 USC 1681e ( Fair Credit Reporting Act ), you are required to employ reasonable procedures to assure maximum possible accuracy of the information you report regardless of whether it comes from a third-party service. Furthermore, under 15 USC 1692 ( Fair Debt Collection Practices Act ) and applicable consumer protection laws, you must be able to adequately verify the accuracy and completeness of this information upon my dispute.

Therefore, I am requesting : 1. The Method of Verification you used to validate this bankruptcy 's accuracy.

2. The Source of Information, explicitly naming G2 Bankruptcy Risk Solutions, and their contact informatio
n.

3. All documents and communication that you relied upon to match this bankruptcy to Ine, not just a " public record match. '' If you are unable to adequately verify this information under FCRA guidelines ( 15 USC 1681i ), you must promptly delete it from my credit report. 
Please treat this as a formal dispute and respond in writing within 30 days of your receipt of this letter, in conformity with FCRA timelines and procedure ( s. ) I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under federal and state consumer protection laws. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am filling this complaint due to the credit bureaus mishandling of my disputes. I have tried to get numerous errors on my report fixed but they failed to investigate, respond and ultimately failed to fix the problem. I have spent a lot of time and effort communicating with them and the furnishers and neither of them complied with their FCRA investigative obligations. At this point I am very frustrated and am seeking legal counsel. I have already file complaints with other agencies.

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 2025-07-09 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: NV

Complaint narrative:
ive sent in a letter under 15 U.S.C. 1681c2 You must block and delete within 4 business days. this final notice concerning your unlawful failure to remove fraudulent account information from my credit report, despite receiving a valid block and delete request under 15 U.S.C. 1681c2. please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
XXXX does NOT hold my loan and claims they do not. This false reporting is considered criminal when it directly makes me unable to have a home/rental. 

I have proof XXXX  is false reporting with all XXXX  agencies.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
closed american express card on XXXX paid in full. american express withdrew {$5000.00} from my checking account on XX/XX/XXXX without my authorization. disputed transaction money was refunded. now american express is trying to collect on money refunded, that was withdrawn from my account. and reported to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by thXXXX XXXX Experian, and XXXX data breach, which raises concerns about the security of my personal 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 2025-07-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

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 2025-07-09 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: KY

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Correct Inaccurate Information and Inadequate Reinvestigation Violation of the Fair Credit Reporting Act ( FCRA ) Filed Against : Consumer Reporting Agency ( CRA ) Basis : Dispute of Inaccurate Tradelines, Inquiries, and Personal Information I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report the failure of the credit reporting agency to comply with its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit file via XXXX, I discovered several inaccuracies related to accounts, inquiries, and personal information. I lawfully authorized a third-party service to submit this dispute on my behalf and included all identifying documentation necessary for processing. Despite this, the credit reporting agency failed to complete a proper reinvestigation and continues to report inaccurate data. 

Disputed Tradelines : XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Disputed Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX These accounts and inquiries are inaccurately reported and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or inaccurate information must be deleted in full.

FCRA Violations Alleged : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a good-faith, reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide proper method of verification.

15 U.S.C. 1681g : Inadequate consumer file disclosure.

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 2025-07-09 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: KY

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Correct Inaccurate Information and Inadequate Reinvestigation Violation of the Fair Credit Reporting Act ( FCRA ) Filed Against : Consumer Reporting Agency ( CRA ) Basis : Dispute of Inaccurate Tradelines, Inquiries, and Personal Information I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report the failure of the credit reporting agency to comply with its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit file via XXXX, I discovered several inaccuracies related to accounts, inquiries, and personal information. I lawfully authorized a third-party service to submit this dispute on my behalf and included all identifying documentation necessary for processing. Despite this, the credit reporting agency failed to complete a proper reinvestigation and continues to report inaccurate data. 

Disputed Tradelines : XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Disputed Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX These accounts and inquiries are inaccurately reported and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or inaccurate information must be deleted in full.

FCRA Violations Alleged : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a good-faith, reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide proper method of verification.

15 U.S.C. 1681g : Inadequate consumer file disclosure.

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 2025-07-09 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: KY

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Correct Inaccurate Information and Inadequate Reinvestigation Violation of the Fair Credit Reporting Act ( FCRA ) Filed Against : Consumer Reporting Agency ( CRA ) Basis : Dispute of Inaccurate Tradelines, Inquiries, and Personal Information I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report the failure of the credit reporting agency to comply with its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit file via XXXX, I discovered several inaccuracies related to accounts, inquiries, and personal information. I lawfully authorized a third-party service to submit this dispute on my behalf and included all identifying documentation necessary for processing. Despite this, the credit reporting agency failed to complete a proper reinvestigation and continues to report inaccurate data. 

Disputed Tradelines : XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Disputed Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX These accounts and inquiries are inaccurately reported and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or inaccurate information must be deleted in full.

FCRA Violations Alleged : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a good-faith, reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide proper method of verification.

15 U.S.C. 1681g : Inadequate consumer file disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: RI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

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 explanation