vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is withholding my credit report for the reason of " a dispute being in progress '' but they have exceeded the legal time limit for resolving the dispute. Furthermore I don't believe it is ethical or legal for them to withhold my report for this reason. I have open disputes with all of these fraudulent companies because they refuse to take down false information about my history. These companies should all be dissolved for the daily abuse they serve to the american people.

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 2025-08-05 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: 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 explanation
Consumer complaint received 2025-08-05 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: MD

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 : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-05 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-08-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX of XXXX I submitted a dispute with XXXX XXXX XXXX  XXXX for account ending in XXXX that was opened on XX/XX/XXXX ( {$1300.00} ) fraudulently without my permission, the merchant responded XX/XX/XXXX with letter declining my dispute, I resubmitted my dispute with a FTC report of the identity theft, photo ID, proof of my address, and a letter asking for information on how the account was opened, how and where any payments were made and what information was used to open the account, I did not receive a response from the merchant even though they stated on the letter dated XX/XX/XXXX the information they have on file was " verified ''. On XX/XX/XXXX I filed a complaint with CFPB providing the same information above ( minus the photo ID ) and I received a response through them by merchant declining my dispute, they attached a statement that did not show any information under the " Transaction description/Location '' and the mailing address is not my own, the merchant provides another incorrect/different address on another statement they uploaded on other complaint I filed on CFPB. I have provided my personal information including my address, email address and phone number yet they continue to deny my disputes of fraudulent account opened with other information that is not mine. I have attached a screenshot of the XX/XX/XXXX statement they previously attached, screenshot of other statement with other address and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
In XXXX of XXXX I submitted a dispute with XXXX XXXXXXXX XXXX XXXX for account ending in XXXX that was opened on XX/XX/XXXX ( {$1300.00} ) fraudulently without my permission, the merchant responded XX/XX/XXXX with letter declining my dispute, I resubmitted my dispute with a FTC report of the identity theft, photo ID, proof of my address, and a letter asking for information on how the account was opened, how and where any payments were made and what information was used to open the account, I did not receive a response from the merchant even though they stated on the letter dated XX/XX/XXXX the information they have on file was " verified ''. On XX/XX/XXXX I filed a complaint with CFPB providing the same information above ( minus the photo ID ) and I received a response through them by merchant declining my dispute, they attached a statement that did not show any information under the " Transaction description/Location '' and the mailing address is not my own, the merchant provides another incorrect/different address on another statement they uploaded on other complaint I filed on CFPB. I have provided my personal information including my address, email address and phone number yet they continue to deny my disputes of fraudulent account opened with other information that is not mine. I have attached a screenshot of the XX/XX/XXXX statement they previously attached, screenshot of other statement with other address and FTC report.

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 2025-08-05 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: Early Warning Services, LLC
State: GA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX against Early Warning Services , LLC regarding the improper reinsertion of two accounts previously removed after I submitted FTC Identity Theft Reports and a police report : XXXX XXXX XXXX XXXX FTC Report XXXX XXXX ( removed XXXX XXXX, reinserted XXXX XXXX XXXX ) XXXX XXXX FTC Report XXXX XXXX ( removed XXXX XXXX reinserted XXXX XXXX XXXX ) Early Warning originally determined these accounts resulted from identity theft and blocked them pursuant to my FTC and police reports XXXX If Early Warning now claims these accounts are accurate, it must explain why it removed them in XXXX XXXX in the first place. This reversal without new substantiated evidence suggests a sham reinvestigation in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

While reinsertion notices were sent, Early Warning has failed to provide : 1. The furnishers written certification that the information is accurate and not the result of identity theft ( 1681i ( a ) ( 5 ) ( B ) ( i ) ). 
2. The complete method and results of the reinvestigation.

3. Copies of all records and evidence relied upon to justify rescinding the identity theft block. 

In its XXXX XXXX XXXX CFPB response, Early Warning included numerous unrelated accounts not listed in my FTC reports or my complaint, which appear intended to bury the actual violations and raise concerns about file contamination and violations of FCRA 1681e ( b ). On XXXX XXXX XXXX, they issued a dispute results letter for XXXXXXXX XXXX  reframing the reinsertion as a standard dispute, avoiding the stricter reinsertion requirements. 

Violations alleged : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) Reinsertion without furnisher certification.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide reinvestigation method/results.

15 U.S.C. 1681e ( b ) Inaccurate/irrelevant disclosure of unrelated accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: LA

Complaint narrative:
Resident Advocate acted as a collection agent for XXXX XXXX XXXXXXXX. 
They submitted a collection that negatively impacted your rental report, even though the issue was not your fault or has been resolved. 
They have now marked your account as resolved but the damage remains and they claim updates could take 3060 days, with no control over the timeline. 
This delay has already interfered with your housing applications, possibly causing denial or stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
At the end of my lease, having made XX/XX/XXXX payments on time ( and never missing a payment in my life with any lender ), my car was parked on the street and totaled by someone. Even though I had fully paid off the original loan, the car went through the Total Loss process. XXXX and XXXX settled, with XXXX paying XXXX  requested amount and then paying me the remainder. After that, XXXX claimed I owed {$500.00}. This occurred while I was disputing their Total Loss calculations, which I felt were either invalid or retaliatory. During my attempts to dispute the charges through XXXX escalation teams and executives, they charged off the {$500.00} balance. Throughout this process, I was trying to get in touch with their legal department to pursue the matter in small claims court. After months of frustration, I mailed a {$500.00} check in early XXXX, before the charge-off date. Unfortunately, shortly afterward, both my home and the XXXX  store where I mailed the check were destroyed in a fire as I live in XXXX. In late XXXX, I found out the payment had never been received and the account had been charged off. I immediately paid the {$500.00} over the phone and spent several days trying to get XXXX to update the account before it was reported to the credit bureaus. The escalation team refused to update the account, and the executives at XXXX I had spoken with in the past did not respond. So now, XXXX is reporting my account as a paid charge-off, which is not correct. I have a perfect payment history on every account and this issue completely destroyed my credit score. One last thing, if you check the payment history of the Experian report, which I attached, you will see that the XXXX account is showing a {$200.00} payment and {$0.00} balance in the balance history section in XX/XX/XXXX, then a {$18000.00} payment and {$500.00} balance in XX/XX/XXXX. They are also showing that this account was charged off in XXXX but, the account was paid off in XX/XX/XXXX, which even XXXX does not dispute. How can they report a charge-off after the payment? Please remove this incorrect information and update the account to paid as agreed and never late or remove this account from my report.

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Please remove the following credit cards as it is a violation 15usc-1691 c2 accounts are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I have tried calling them at ( XXXX ) XXXX for about XXXX weeks and I get a machine stating they are having technical difficulties. Not able to get run contact with them to get more information/pay the debt. I have a total of 3 medical accounts in collection with them. The machine states to go online to pay but since I have not received correspondence from them. I do not have the full account number which is. being asked online on their website.

Company response to consumer: Untimely response