vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i obtabained a copy of my credit report from equifax, experian and transunion and the following inquiries where on my account without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquries i know to be in accurate

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not been in school for over XXXX  years. These loans are over XXXX XXXX XXXX and should not be reporting under FCRA XXXX ( a ).

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 2025-08-04 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: GA

Complaint narrative:
I have not been in school for over XXXX  years. These loans are over XXXX XXXX XXXX and should not be reporting under FCRA XXXX ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Around XXXX or XX/XX/XXXX, I received a statement from Rent Recovery Solutions offering a discount off of a balance owed of {$2000.00} for rent. I really didnt pay any attention to it as I thought it was a scam. 
Then towards the end of XX/XX/XXXX, I received another statement that was just the same from Rent Recovery Solutions, again offering a discount off of a balance owed of {$2000.00}, saying I could just pay {$1500.00} for back rent. 
I have not rented an apartment in over XXXX  years, so I knew this was either a scam or a mistake. With so much fraud going on, I just did not pay any attention to it. 
Around the beginning of XXXX, a friend of mine got a similar letter from some company in Washington XXXX. It said that her daughter owed {$22000.00} for back rent for an apartment. She called the company and they were adamant that she owed it. When that happened, I thought about these letters and realized that sure they are probably scams but scams that are real with my Social Security number. 
So I called Rent Recovery solutions and taught with a representative and he did some checking on the statement that I had received. He did determine that this was not my debt, I did not owe it, and he would remove it off their system after I file a report with the FTC. He also indicated that based on talking to me that he could tell that the picture they had of me was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
b'I am extremely dissatisfied with the failure to comply with section FCRA  XXXX  (XXXX U.S.C.  XXXXXXXX), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-04 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:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), XXXX  U.S.C.  XXXX, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (XXXX  U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (XXXX  U.S.C.  XXXX). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  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 AND TRANS UNION)\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under XXXX  U.S.C.  XXXX(b) and  XXXX of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-04 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: OR

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the Summary of my EQUIFAX credit report, the following statement reads : " Fraud Victim ( associated with trade ) Report Blocked for Promotional Purposes '' That statement needs to be removed from my EQUIFAX credit report.

I never requested EQUIFAX to add FRAUD ALERT statement on my credit report.

I have never activated FRAUD ALERT on my EQUIFAX credit report.

There is no FRAUD ALERT on my other agencies reports.

EQUIFAX went along and did on their own.

I have called EQUIFAX many times to have the FRAUD ALERT statement report removed but they have complied.

That statement needs to be removed from my EQUIFAX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
b'I am extremely dissatisfied with the failure to comply with section FCRA  XXXX  (XXXX U.S.C.  XXXXXXXX), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.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 2025-08-04 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:
b'I am extremely dissatisfied with the failure to comply with section FCRA  XXXX  (XXXX U.S.C.  XXXXXXXX), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian gave me experianXXXX account after data breach. Noticed Accounts opened in my name, tried to freeze report and told i needed to login into experian account.

An experian account was opened with my email and social security with a different phone number and birthday, no way to access account. Attemping to call multiple numbera but not put into contact with an agent forced to hang up

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 2025-08-04 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: IL

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank is holding checks for deposit for a week. Customer service hung up on me twice when I asked for a manager on the banking phone line. After arriving at a physical location and presenting the check they refused to help me. I requested to close the account and was refused multiple times u til she showed me the door. After calling the phone number again I spoke to a manager, She started asking me that I never provided details to questions and who I was related two and my previous addresses from over 10 years ago. Than refused to let me speak to anyone else and left me on hold repeatedly until I gave up.

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 2025-08-04 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: LA

Complaint narrative:
Subject : Identity Theft Blocking Request Under 15 U.S.C. 1681c-2 Request for Deletion of Fraudulent Accounts I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, to formally request the blocking and deletion of all information resulting from identity theft that appears on my credit file.

I have been a victim of identity theft, and certain accounts and/or inquiries listed in my credit report are fraudulent and were made without my knowledge or consent.

I have attached a copy of a valid FTC along with a copy of my id and SSN.

These accounts were reinserted back into my profile after they were blocked which should of never happened under laws 15 U.S. Code 1681i ( a ) ( 5 ) ( B ; Reinserted Information be Certified 15 U.S. Code 1681i - Failure to Conduct a Reasonable Investigation I didnt participate or receive any goods or money from these accounts so they should have never been verified or put back on due to misrepresentation. I also wasnt notified in writing 5 business days before it was reinserted back as well

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 2025-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had did a credit annual report and have notice accounts I did not make. I had requested information from the companys and the information they have on file does not belong to me. As in phone number and address and email. I told them my information in 2017 was lost and someone been using my information for years now. The credit card companies havent looked into the matter properly and is not right. Its been affecting me for a while now. Then according the FRC section 15 u.s.c 1681 law there shouldnt be any damages on my report its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my : XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX These reporting are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15USC1681S2A : furnishers must report accurate information. Under 15USC1681I : The credit bureaus must perform a reasonable investigation within 30 day. Neither of them provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$540.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief