vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the three major credit bureaus, Experian, Equifax, and TransUnion, have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted since XX/XX/year>, and most recently on XX/XX/year>, the bureaus continue to report inaccurate, unverifiable, and misleading information on my credit file. 

The disputed items include : Charge Off : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Previous addresses ( XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ) XXXX Employer Information : XXXX XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus have failed to : Conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) I specifically requested the method and procedures used to verify these items, the full contact information for the furnishers of each account, and documentation relied upon in the verification process. None of this has been provided.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the three major credit bureaus, Experian, Equifax, and TransUnion, have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted since XX/XX/year>, and most recently on XX/XX/year>, the bureaus continue to report inaccurate, unverifiable, and misleading information on my credit file. 

The disputed items include : Charge Off : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Previous addresses ( XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ) XXXX Employer Information : XXXX XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus have failed to : Conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) I specifically requested the method and procedures used to verify these items, the full contact information for the furnishers of each account, and documentation relied upon in the verification process. None of this has been provided.

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 2025-08-27 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 submitting this complaint because the three major credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), regarding identity theft.

I previously submitted a full identity theft package, including a police report, FTC identity theft affidavit, copy of my drivers license, Social Security card, and proof of address. Despite this, the bureaus continue to report fraudulent inquiries, charge-offs, late payments, and inaccurate personal information tied to identity theft. By law, they were required to block and delete this information within four ( 4 ) business days of receiving my report, yet they have failed to act. 

Fraudulent or Inaccurate Items Still Reporting : Incorrect addresses and employers ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent/erroneous accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

This is not a standard disputeit is a legally supported identity theft case. The bureaus refusal to block and remove these items violates : 15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft.

15 U.S.C. 1681g ( f ) : Failure to provide required disclosures to identity theft victims.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Continuing to furnish information known to be the result of identity theft.

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 2025-08-27 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: MI

Complaint narrative:
I am submitting this complaint because the three major credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), regarding identity theft.

I previously submitted a full identity theft package, including a police report, FTC identity theft affidavit, copy of my drivers license, Social Security card, and proof of address. Despite this, the bureaus continue to report fraudulent inquiries, charge-offs, late payments, and inaccurate personal information tied to identity theft. By law, they were required to block and delete this information within four ( 4 ) business days of receiving my report, yet they have failed to act. 

Fraudulent or Inaccurate Items Still Reporting : Incorrect addresses and employers ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent/erroneous accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

This is not a standard disputeit is a legally supported identity theft case. The bureaus refusal to block and remove these items violates : 15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft.

15 U.S.C. 1681g ( f ) : Failure to provide required disclosures to identity theft victims.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Continuing to furnish information known to be the result of identity theft.

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 2025-08-27 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-27 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 am a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of all unauthorized accounts and inquiries from my credit file, with written confirmation once the corrections are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and the Fair Credit Reporting Act ( FCRA ).

For over three months, I have filed three separate dispute letters, each with full identification and supporting documentation, regarding inaccurate late payment entries on my credit report. Despite these repeated submissions, the credit bureaus have failed to correct or remove the disputed information. The inaccurate reporting is tied to the following accounts : XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1666, the credit bureaus and furnishers are required to acknowledge a billing error dispute within 30 days, investigate and resolve it within two billing cycles ( no more than 90 days ), and provide documentation explaining their findings. None of these legal obligations have been met. 

To date, the bureaus have : Failed to provide a lawful resolution. 

Failed to supply documentation relied upon during reinvestigation. 

Continued to report inaccurate late payments despite my evidence. 

This constitutes clear noncompliance with 15 U.S.C. 1666, 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
ACCOUNT WITH PENTAGON FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX FOR PENTAGON FEDERAL CREDIT UNION. 
I have contacted XXXX XXXX and have requested a letter to provide to Pentagon Federal and XXXX  Credit Reporting Agencies. I received a clear letter on XX/XX/year> stating the balance was settled in full. XXXX XXXX presented with a {$8600.00} balance ON XX/XX/year> XXXX XXXX accepted a SETTLEMENT PAYMENT AMOUNT on XX/XX/year> for {$5000.00} and reported to Pentagon Federal Credit Union that the settlement agreement was reached and there was a {$0.00} balance with this settlement payment. I have spoken to Pentagon Federal Credit Union that states the balance owed of {$3600.00} is correct last reported XX/XX/year>. I have disputed this account on numerous occasions with XXXX  XXXX  and XXXX. The Creditor Pentagon Federal Credit Union Continues to report inaccurate balance of {$3600.00} information to all XXXX XXXX Credit Bureaus about the account in question. Pentagon Federal Credit Union has been notified that FCRA law prohibits reporting a balance on an account that has Been Settled For Less. However they continue to report inaccurate information monthly. They are violating my rights as a consumer.

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CT

Complaint narrative:
I lived with roommates, and we all shared the same mailbox. One of my roommates was responsible for paying the light bill, but he didnt have good credit. For some reason, he told me the light bill was under his name, but because of child support issues, he didnt have a debit card. So every month, he would give me cash, and I would pay the bill with my credit card. I agreed because I trusted him. 

When it was time for him to move out, he did, and the light stayed on. Later, the electricity was cut off, and when I called to see if I could put it under my name, I was told it was already under my name the whole time without me knowing. By then, the bill was very high. I paid it and tried to call him, but he never answered. 

Now its very stressful because Im not working, and I need this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being space coast credit union ( XXXX ) disputed do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, ( XXXX ) which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts and dont allow them to be put back thats unconstitutional by 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the alleged debt you claim I owe. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide validation of this debt. Specifically, please provide : The name and address of the original creditor.

The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

Verification that I am legally obligated to pay, including a copy of any contract or agreement bearing my signature.

Proof that you are licensed to collect debts in my state.

A complete payment history, including details of any prior payments made on this account.

Until you provide the requested validation, and as required by law, you must cease all collection activities, including reporting this debt to credit bureaus. 

Please note that I am keeping detailed records of all communications for future reference. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX  Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I had an ordinary account with Suntrust. I was moved to Truist. I live in the XXXX. I have tried on many occasions to amend my home address to include my XXXX XXXX XXXX and telephone number. This information is important so I receive communications and items such as a new debit card. I have spent hours on the telephone with Truist trying to resolve the issue but they are not capable of resolving things. It would appear that Truist the on-line banking system does not support people living outside the XXXX. Finally, when you call Truist they ask for a Social Security number that I do not have so the only way of speaking to a person is just keep hitting the XXXX button. How do I resolve this.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-08-27 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: FL

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 response to consumer: Closed with explanation