vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Chime Financial Inc
State: OH

Complaint narrative:
When looking at my credit report it states I filed for XXXX  XXXX bankruptcy. The information is incorrect and misleading. Who and where did this information come from?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
When looking at my credit report it states I filed for XXXX  XXXX bankruptcy. The information is incorrect and misleading. Who and where did this information come from?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: VA

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
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I started the assumption process with PNC Bank last year 2024 early XXXX. Legally I need to remove my ex spouse from the mortgage. I am the deed owner and have been paying the mortgage on time every month for 4 years. I have great credit in the XXXX. I have had multiple mortgages in my life and have never had any issues paying. I am a successful person with good ethics and have never had a problem making my payments in time. ( XXXX team  is not responsive ) they have no initiative to coach you in how to get this process done. Repeatedly asked for the same documents. ( Likely because they didnt want to find them ). Trying to close down the process due to an 8 % XXXX issue. I tried to ask what ifs and they want me to reapply instead of continuing. Its been quite a long time now and the response time from the processor seems backburned ( sometimes weeks with no advice ) I need to know if working my new job ( almost doubling my income will close this. They want me to reapply for the assumption knowing that I have already been qualified. This process is ongoing, incomes change, people make decisions to make work harder to gain more or vs. The amount of time I have spent on providing and coming up with my own ideas with no response has had a negative impact on me. I would really appreciate a solid answer and no more credit checks. I would like to resolve the communication issue. Many times I am not getting responses for weeks. I am constantly talking on the phone to escalate issues and now it seems as though I am having to go through the entire loan process again. Going through the loan process again based upon a credit denial is one thing. However, if my income since XXXX- now being XXXX has changed/doubled I dont see the issue submitting this to underwriting for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
Experian is not doing a full or complete investigation on my disputes. I have proof of it which I have attached below to this complaint proof that they are violating FCRA laws by not doing an investigation on my disputed items. At the end of XX/XX/year> I sent a letter to experian which was to dispute an item and my ID attached for verification and social security card for additional verification. Experian followed up to my letter by issuing me an email which h is attached for viewing purposes stating they were NOT going to do a investigation unless I called and confirmed it was me that submitted my personal documents along with the dispute letter. I called Experian the following day to inform them it was infact me disputing my items via postal mail. Experian did not do an investigation or dispute anything ignoring my request even with proof for my dispute. Today Wednesday XXXX XXXX over the phone I called and spoke with an Experian representative to dispute inaccuracies on my credit profile which she did an hour later I received a follow up from Experian stating that their investigation have been completed within the exact same hour. How can an investigation take one single hour for multiple items? Experian has provide no proof or validation for the items I have disputed and they refuse to do an fair and full investigation into the inaccuracies on my credit profile. As soon as I dispute something they will ignore my dispute or take the items out of dispute within the same hour. Violating FCRA fair investigation laws. Experian has taken absolutely no accountability in this matter and refuses to do anything after multiple instances of this problem occurring.

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 2025-07-10 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: FL

Complaint narrative:
b"I am filing this complaint because I found multiple unauthorized credit inquiries on my credit reports that I did not initiate or authorize. These inquiries appear to be hard pulls, which affect my credit score, yet I never applied for credit, authorized these inquiries, or had any prior relationship with these companies.\nUnder the Fair Credit Reporting Act (FCRA)  604, a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and with the consumer's consent in many cases.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 explanation
Consumer complaint received 2025-07-10 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 submitting this complaint because TransUnion is continuing to report inaccurate and unauthorized information on my credit file despite a formal written dispute I submitted directly to them. 

Specifically, they are reporting two addresses that are not mine and an unauthorized hard inquiry from XXXX XXXX dated XX/XX/year>. These items are not only false but are being maintained without proper verification or my consent, which directly violates the Fair Credit Reporting Act ( FCRA ). 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, nor at XXXX XXXX XXXX, XXXX, XXXX  XXXX. These addresses have no connection to me, and their appearance on my credit file is not only inaccurate but could lead to file mixing, identity confusion, or data compromise. 

In addition, there is a hard inquiry from XXXX XXXX XX/XX/year> that I never authorized. I did not apply for credit with this company, and no permissible purpose existed for this inquiry to be made. Under FCRA 604 ( a ) ( 3 ), TransUnion is not permitted to report inquiries that were made without my consent or a valid credit application. 

These violations of FCRA 607 ( b ) and 1681i are extremely damaging. I followed the legal process and submitted a written dispute, but TransUnion has failed to take proper action to investigate and correct these inaccuracies. 

What I Am Requesting : I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure TransUnion removes the two incorrect addresses and the unauthorized inquiry from my credit file. These items were never authorized by me, are not verifiable, and are clearly in violation of my rights under the FCRA. 

I further ask that TransUnion be instructed to conduct a full and proper reinvestigation of my dispute, remove all inaccurate data that can not be fully verified, and provide me with an updated and corrected version of my credit report. 

TransUnions failure to uphold their obligations under federal law has caused me reputational damage and financial harm. I am relying on the CFPB to enforce compliance and ensure my consumer rights are protected. 

Thank you for your attention to this serious 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 2025-07-10 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Everything on FTC and XXXX  is fraud Remove immediately!

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 2025-07-10 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: NY

Complaint narrative:
my Information was involved in a data breach with XXXX XXXX  and also Equifax These are the accounts XXXX XXXX XXXX ( total XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 


Everything on FTC and PDF is fraud Remove immediately! 

15 USC 1681c-2 I did not authorize. Block and Remove immediately!

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 2025-07-10 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
When looking at my credit report it states I filed for XXXX  XXXX bankruptcy. The information is incorrect and misleading. Who and where did this information come from?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Unfortunately, I'm directly affected by the Equifax Data breach. Upon consulting with my attorney and checking my credit report I discovered unauthorized accounts and inquiries. Please delete these items immediately and block according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Unfortunately, I'm directly affected by the Equifax Data breach. Upon consulting with my attorney and checking my credit report I discovered unauthorized accounts and inquiries. Please delete these items immediately and block according to the FCRA.

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 2025-07-10 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-10 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: MI

Complaint narrative:
In violation of 15 US code 16.81 permissible purposes derogatory information placed on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
In violation of 15 US code 16.81 permissible purposes derogatory information placed on my credit report without my permission.

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