vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
I have been trying to remove inaccurate negative items from my credit reports with TransUnion, Experian, and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus provide proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct reasonable investigations of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Additionally, under Section 1681e ( b ), they must ensure the maximum possible accuracy of the information they report. 

All three bureaus have failed to properly investigate my disputes and continue to report inaccurate information that harms my credit. They have not provided sufficient evidence to verify the validity of the disputed items, violating their obligations under the FCRA. 

I have attached all the dispute letters I have sent over the past few months which contain detailed information about each disputed item. I request CFPBs assistance to ensure TransUnion, Experian, and Equifax comply with the law by properly investigating my disputes and removing any inaccurate or unverifiable negative items from my credit reports.

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 2025-06-26 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with TransUnion, Experian, and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus provide proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct reasonable investigations of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Additionally, under Section 1681e ( b ), they must ensure the maximum possible accuracy of the information they report. 

All three bureaus have failed to properly investigate my disputes and continue to report inaccurate information that harms my credit. They have not provided sufficient evidence to verify the validity of the disputed items, violating their obligations under the FCRA. 

I have attached all the dispute letters I have sent over the past few months which contain detailed information about each disputed item. I request CFPBs assistance to ensure TransUnion, Experian, and Equifax comply with the law by properly investigating my disputes and removing any inaccurate or unverifiable negative items from my credit reports.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX  XXXX  I requested an investigation because I felt the item was not being reported legally. XXXX  of XXXX  ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am writing to formally dispute a debt being reported by XXXX XXXX XXXX XXXX XXXX, listed as a collection on my Experian credit report, associated with the following : Partial Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ( Third-Party Debt Collector ) As a third-party debt collector, XXXX & XXXX is bound by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. XXXXg ( Section XXXX ). This law requires debt collectors to provide proper debt validation upon request, which includes : A copy of the original contract bearing my signature or electronic consent, Itemized statements showing how the debt was calculated, The name of the original creditor and proof of assignment or legal ownership of the debt. 

Despite claiming verification, XXXX XXXX XXXX has failed to provide any of the above documentation, yet continues to report this unverifiable account to Experian. This constitutes the reporting of false and unsubstantiated information, which is damaging my credit profile and may be considered a willful violation of the FDCPA and Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I have contacted the credit bureaus ( TransUnion, Experian, and Equifax ) on multiple occasions, pleading for assistance in removing information from my credit report that does not belong to me. Despite my repeated efforts, I have not been provided with a proper resolution. 

These accounts are not mine they are the result of fraudulent activity and are part of an identity theft case of which I have been a victim. The continued presence of this false information on my credit report is causing significant distress and damage to my personal and financial life. I am urgently seeking the support and action that this serious matter requires.

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 2025-06-26 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: FL

Complaint narrative:
I have contacted the credit bureaus ( TransUnion, Experian, and Equifax ) on multiple occasions, pleading for assistance in removing information from my credit report that does not belong to me. Despite my repeated efforts, I have not been provided with a proper resolution. 

These accounts are not mine they are the result of fraudulent activity and are part of an identity theft case of which I have been a victim. The continued presence of this false information on my credit report is causing significant distress and damage to my personal and financial life. I am urgently seeking the support and action that this serious matter requires.

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 2025-06-25 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve the matter directly, TransUnion has failed to comply with its legal obligations under the FCRA, including but not limited to : XXXXFailure to investigate disputed information : I submitted a formal dispute to TransUnion regarding inaccurate and outdated information appearing on my credit report. TransUnion failed to properly investigate the dispute within the XXXX timeframe as required by 15 U.S.C. 1681i ( a ). 
XXXXFailure to correct or remove inaccurate information : TransUnion continues to report information that has been proven inaccurate, even after being provided with supporting documentation. This is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 
XXXXFailure to provide timely response : In accordance with the FCRA, I am entitled to a timely and complete response regarding any investigations. TransUnion has either delayed their response or failed to respond altogether, further compounding the harm caused by the original reporting error. 

As a result of these violations, I have suffered financial and emotional distress, including being denied credit and other financial opportunities. 

I am requesting that the CFPB investigate this matter and compel TransUnion to : Correct or delete the inaccurate information from my credit file, Provide a detailed explanation of the investigation conducted, Comply with all relevant provisions of the FCRA, and Be held accountable for failing to uphold consumer rights under federal law. 

Thank you for your attention to this matter. 



A fair resolution for TransUnion violating the Fair Credit Reporting Act ( FCRA ) should include both corrective actions and, where applicable, compensation for harm suffered. Heres a breakdown of what you can reasonably ask for in your complaint :

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 2025-06-26 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 have been speaking with Experian and Equifax about removing certain items from my credit file. US Code 605 section B states that any information resulting from identity theft should be blocked and deleted within XXXX XXXX XXXX from the date of receipt.

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 2025-06-26 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
b"This complaint is for region's bank in XXXX  that's reporting incorrect information that I have told them XXXX XXXX XXXX to correct this account should be closed should not have no type of activity period it's a secure card that I had opened up with a XXXX limit I closed the card in XXXX  of XXXX  I've notified Regions Bank in the year XXXX  XXXX  XXXX  that this account is still reporting on my credit report as an active account I want it to show a closed Apparently someone at regions don't know how to follow directions or input Correct information into the credit bureau This is getting very ridiculous and unprofessional for big bank that don't know how to follow credit fair acting rules and regulationsI've notified Regions Bank over XXXX  times and got confirmation number from every representative that works there."

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 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am submitting this complaint because National Credit Systems has failed to comply with my lawful request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), and the account in question continues to appear on my credit reports without proper verification. 

According to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate and unverifiable information on my credit report. I have disputed this account multiple times with the credit bureaus, but it continues to be marked as verified or updated despite no investigation being conducted or proper verification being provided to me. 

In my original request to the company and in a prior CFPB complaint, I requested the following information : Full validation of the debt The original contract bearing my signature A breakdown and explanation of the amount owed and how it was calculated To date, the company has not provided any of the above. 

Instead, they responded by demanding I submit a notarized FTC identity theft affidavit, police report, proof of ID, and residency even though I did not initially allege identity theft, and merely exercised my right to request validation. This is an improper delay tactic and a violation of my rights under FDCPA and FCRA. 

If the company believes identity theft is involved, they are still obligated to first provide basic debt validation which they have refused to do. I should not have to complete lengthy identity theft procedures just to trigger the companys legal responsibility to validate a debt. 

At this point, I feel the company is intentionally obstructing the process in order to keep this negative item on my credit without proper verification. I am prepared to escalate this further, including filing an affidavit and legal claim at the courthouse if necessary but this is an unnecessary burden when the company has not met their initial legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
was approved for a Wells Fargo XXXX XXXX XXXX XXXX and made a purchase of approximately {$100.00} on it. However, I am unable to register for online banking or access my account because Wells Fargos system is requiring in-person identity verification at a branch. I reside in XXXX, where there are no Wells Fargo branches, making this verification step impossible. 

Despite multiple attempts, including calls to customer service, the issue has not been resolved, and I have no way to view my statement, due date, or make a payment. This places me at risk of late fees, interest, and negative credit reporting not due to my negligence, but due to Wells Fargos internal system limitations and lack of support for customers without nearby branch access. 

I am requesting that Wells Fargo : Provide an alternative secure method to access my account or make payments, Ensure that my credit report is not negatively impacted by this situation, and Address this issue for other customers in similar regions with no physical branch access. 

I believe this is an unfair limitation and lack of accommodation that could harm consumers financially through no fault of their own.

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 2025-06-26 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: TX

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Received letter stating that I owe the debt. I order credit report check credit and found 2 debts listed one from XXXX XXXX XXXX and Resurgent Capital Services. Disputed debut with letter to XXXX XXXXXXXX XXXX and Resurgent Capital Service. Received letter from Resurgent stating that they have received my inquiry regarding the account and they enclosed a final statement to an address I have never lived. stating this is verification of Debt. They did not provided Proof of Ownership from XXXX XXXXXXXX XXXX Complete Payment History, Original Agreement, Proof of their rights to collect, Chain of title of the Debt. Original Creditors charge off statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX  Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}

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 2025-06-26 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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