vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Need credit report fixed real name is XXXX XXXX XXXX Need credit report name removed under XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX and XXXX anything that has XXXX will be permanently removed as well as XXXX. XXXX  will be permanently removed. The only address that should be on file. 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Need credit report fixed real name is XXXX XXXX XXXX Need credit report name removed under XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX and XXXX anything that has XXXX will be permanently removed as well as XXXX. XXXX  will be permanently removed. The only address that should be on file. 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 2025-06-20 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: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-20 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:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Verification and Reinforcement of Inaccurate Information on Credit Report I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. This complaint concerns the ongoing reporting of inaccurate information on my credit report and the failure of the credit reporting agency to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( 7 ), I have the right to obtain a complete description of the reinvestigation procedures used to verify disputed information on my credit file. Despite my previous dispute, I have not received such details. I am requesting the following information to understand how the listed accounts were allegedly verified : Disputed Accounts : XXXX Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXXXXXX 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 2025-06-20 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Verification and Reinforcement of Inaccurate Information on Credit Report I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. This complaint concerns the ongoing reporting of inaccurate information on my credit report and the failure of the credit reporting agency to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( 7 ), I have the right to obtain a complete description of the reinvestigation procedures used to verify disputed information on my credit file. Despite my previous dispute, I have not received such details. I am requesting the following information to understand how the listed accounts were allegedly verified : Disputed Accounts : XXXX Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following XXXX XXXX providers are reporting my XXXX XXXX  as c current but refuse to update the loans completely allowing my credit report to show XXXX  days past due. I have requested multiple time for them to make the loans current. They state they will do it and never complete the request. Now its caused by credit score to drop XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CA

Complaint narrative:
The following XXXX XXXX providers are reporting my XXXX XXXX  as c current but refuse to update the loans completely allowing my credit report to show XXXX  days past due. I have requested multiple time for them to make the loans current. They state they will do it and never complete the request. Now its caused by credit score to drop Mohela XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am filing a complaint against [ Equifax XXXX XXXX XXXX XXXX ] for violating the Fair Credit Reporting Act ( FCRA ), Section 611, due to their failure to properly investigate and correct inaccurate information in my credit report. 
On XX/XX/year>, I submitted a written dispute to Equifax regarding a tradeline reported as charge-off by XXXX XXXX XXXX XXXX XXXX XXXX  which contains inaccurate and/or unverifiable information. 

Under FCRA 611 ( a ), the credit reporting agency was required to : Conduct a reasonable investigation within 30 days, Delete or correct any inaccurate, incomplete, or unverifiable information, Notify me in writing of the results of the investigation. 

As of today : I have received no response to my dispute. 

The disputed account was not corrected or deleted, despite being inaccurate.

The investigation did not include any documentation validating the account.

This is a direct violation of FCRA 611 and is causing me harm by allowing inaccurate negative information to remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a formal written dispute to Equifax on XX/XX/year>2025. These disputes were sent via certified mail and included : My full identifying documents Clear account-by-account disputes A formal request for reinvestigation and verification under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ) ( B ) ( iii ) A notice that I reside in a federally declared disaster zone, requiring expedited handling under FCRA 611 ( a ) ( 1 ) ( B ) To date : Equifax repeatedly asked for ID documents even though they had already been submitted with all disputes. No reinvestigation results or verification has been provided. Also failed to send any results or updates by the 30-day deadline.

I also sent formal final demand letters to all three credit bureaus after the 30-day deadline passed, clearly notifying them of their violations and requesting deletion. No bureau has responded to those final notices.

Legal Violations : FCRA 611 ( a ) ( 1 ) ( A ) Failure to complete reinvestigation within 30 days FCRA 611 ( a ) ( 1 ) ( B ) Failure to act in good faith during federally declared disaster handling FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable or inaccurate information FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification FCRA 623 ( a ) ( 1 ) ( C ) Reporting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-06-20 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-06-20 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: OH

Complaint narrative:
Please see attachments! 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

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 2025-06-20 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
On XX/XX/2025 I deposited approximately {$140.00} into Crypto.com. After making some investments I decided I wanted to put the funds back into my bank account. Crypto.com makes it very hard/almost impossible to figure out where my total balance is being kept and how to withdrawal it into my USD Account back into my bank in which it was deposited originally. It says my total balance is {$140.00} on the home screen of Crypto.com but no where else on the site can I find where this money is located or how to withdrawal it or invest. I have talked to Customer Support and they were no help with the situation. Let it be known that my bank ( XXXX XXXX  ) was not " incompatible '' with Plaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Trans Union failed to do a proper investigation I sent them several of dispute letters and I also sent them a police report showing them that was a victim of identity identity, theft and they still fail to do a proper investigation. They said everything was verified and they never sent me no type of information. I also told them that was the XXXX  data breach. I also upload and mail them the paperwork.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Bank was called to fix the error/loading payment information. The consumer informed the bank why the payment was not appearing. The bank 's error was corrected. Please provide the details of late statement.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
The XXXX XXXX company did not submit the payment to the bank on the very first payment date. Provide evidence of the bank reporting the payment as unpaid and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that my current address and phone number is reported inaccurately in the personal information section. The addresses are as follows : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX XXXX Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX TX XXXX My Phone : ( XXXX ) XXXX Please delete any other references to names, phones or addresses, as they are not mine and I have never used any of them. I have attached my drivers license as well as a recent copy of my utility bill for your verification.

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 2025-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Reporting and Failure to Verify Late Payment Violation of the XXXX and FCRA I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a follow-up to a dispute I personally submitted 35 days ago, concerning inaccurate payment history reporting on my credit file. I am not using a third party ; this dispute is being submitted directly by me, a natural person, in accordance with my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

The account listed below is still inaccurately reflecting late payments, even though I filed a billing error dispute based on the provisions of 15 U.S. Code 1666 ( b ), which include : Failure to properly apply a payment or credit to the account Errors in computation or accounting Failure to provide timely ( 21-day ) notice before applying late fees or reporting delinquency To date, I have not received any documentary evidence proving the accuracy of the reported late payments. In accordance with federal law, if the creditor can not substantiate the claim that I was late, the information must be corrected or removed from my report. 

Disputed Account : XXXX XXXX Late Payment ( Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief