vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
My information was sold to this company and it is against the law I need Debt Validation from them, according to 15USC 1692 G I need a detail list of payments made on the account I also would like to see the signature where I sign that guarantee this debt Has there been any insurance claim file on the debt And Last I need proof that they have the chain of title to collect on this debt And EXPERIAN DID NOT INVESTIGATE THIS PROPERLY ACCORDING TO THE FAIR CREDIT REPORTING ACT COMPANY Name XXXX XXXX  XXXX Address XXXX, MI XXXX Phone number ( 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
CFPB Complaint No Response from TransUnion ( FCRA Violation ) Date : XX/XX/2025 I am submitting this complaint because TransUnion has failed to respond to a formal credit dispute I submitted via certified mail on XX/XX/2025. As of today 's date, XX/XX/2025, I have received no communication, investigation results, or documentation in response to my dispute.This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate and respond to disputes within 30 days of receipt. I have provided proof of mailing, and more than 30 days have passed without any resolution or acknowledgment from TransUnion.I am requesting that the CFPB investigate this failure to comply with federal law and that the disputed account ( s ) be removed from my credit report due to non-response and lack of verification.Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Consumer Assistance XXXX XXXXXXXX XXXX, XXXX LexisNexis Risk Solutions Consumer Center XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX, XXXX To whom it may concern I am writing to request my consumer report and update/correct my personal information on file with you company. 

Please update my address to XXXX XXXX XXXX XXXX MA XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern I am writing to request my consumer report and update/correct my personal information on file with you company. 

Please update my address to XXXX XXXX XXXX XXXX  XXXX XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-09 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
CFPB Complaint Submission Text To Whom It May Concern, I am filing this complaint against Wells Fargo Bank regarding an unauthorized hard credit inquiry made on my XXXX  credit report. 

On or around XX/XX/year>, I visited the Wells Fargo website to check for prequalified credit card offers. The site clearly stated the process would have " no impact to your credit score, '' indicating a soft inquiry. I did not knowingly submit a formal application or consent to a hard inquiry.

Despite this, a hard inquiry appeared on my XXXX  credit report. I have reached out to both XXXX  and Wells Fargo regarding this issue. XXXX  advised that only the lender ( Wells Fargo ) could request the removal. I have contacted
Wells Fargo and requested they immediately remove the inquiry and notify XXXX, but the issue remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose and with consumer consent. This was not properly disclosed and constitutes a misleading practice.

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inquiry is removed from my report as soon as possible.

Sincerely, 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 2025-07-09 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc.
State: MS

Complaint narrative:
On XXXX XXXX, I sent an email to XXXX  revoking the automatic payments for my loan with them from coming out of my checking account on the XXXX XXXX XXXX XXXX XXXX. This revocation was to take place immediately. At the time I knew I could not financially afford said payment. On XX/XX/2025, they still attempted to take the payment. I caught it while it was still pending, and paid a {$36.00} fee to my banking institution, through the after hours customer service line, to place a temporary stop payment on the account. I was not able to go into the bank during the 2 week period this stop payment was good for, to make it permanent, due to illness and subsequent hospitalization. I did not receive the usual email or text message reminder for the XXXX withdrawal payment coming up from XXXX. I therefore assumed the matter was settled, and that they would not be attempting said payment. However, on XX/XX/2025, XXXX  again sent through an ACH payment withdrawal. This was not discovered by me until the evening of XX/XX/XXXX, after the payment had cleared. My banking institution was closed on Friday, XX/XX/XXXX, so I went into my bank branch Monday, XX/XX/XXXX. At this time I issued a permanent stop payment at another cost of {$36.00}. My bank instructed me that I would have to deal with the company themselves and there was nothing they could do to return these funds to me.

I have every intention of paying this debt, but at this time I am unable to, due to continued illness and the associated expenses of this illness. I am XXXX  XXXX, and on a fixed income.

This company completely disregarding the revocation of these ACH payments, has quiet literally taken food out of my family 's mouth, and is preventing me from being able to purchase the medication prescribed by my physician for the month of XXXX. 
It is my hope that they will not only return the unauthorized {$180.00} payment they took out on XX/XX/XXXX, but that they also be required to reimburse me for the two fees of {$36.00} I had to pay, due to them attempting these payments after the authorization was revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Incorrect amount was willing to pay the correct amount they refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Reinsertion of Deleted Item Without Proper Notification To Whom It May Concern, I am writing to demand the immediate removal of an item that has been unlawfully reinserted into my credit report. Upon reviewing my recent credit report, I discovered that XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX has reappeared after previously being deleted. This action directly violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The law explicitly states that if a deleted item is reinserted into a consumers credit file, the consumer must be notified in writing within five ( 5 ) business days of the reinsertion. No such notification was provided to me. This failure to comply with the legal requirements is a blatant disregard for my rights as a consumer and constitutes an unlawful practice.

Section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) also mandates that any information reinserted into a credit file must be certified by the furnisher as accurate and complete. I have not received any documentation or certification to verify the validity of this debt, further demonstrating that your reinsertion of this account is legally unsound. 

In addition, your failure to notify me and follow proper reinsertion procedures violates my rights under the broader provisions of the FCRA, which ensures that consumers are protected from inaccurate, incomplete, or unverifiable information on their credit reports. 

This letter serves as formal notice demanding that this account be permanently removed from my credit file immediately. If this unlawful reinsertion is not corrected during the next credit report update, I will pursue legal action against your agency for willful noncompliance with the FCRA. 

Please be advised that under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to statutory damages, punitive damages, and attorneys ' fees if I proceed with litigation.

Additionally, I request that you provide : 1. Documentation of the certification process for this accounts reinsertion, as required by law.

2. Written confirmation that this item has been deleted from my credit file.

An updated copy of my credit report reflecting the deletion. 

Failure to address this matter promptly and in compliance with federal law will leave me no choice but to escalate this issue further. I trust you will act in accordance with your legal obligations and resolve this matter immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I am urging the Consumer Financial Protection Bureau ( CFPB ) to once again assist in the removal of the fraudulent items mentioned below. As per regulations, Experian, TransUnion and Equifax Credit Bureaus are obligated to eliminate any items that were initiated without my consent. 
XXXX XXXXXXXX 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

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is reporting a debt as if they are the original creditor, which they are not. The debt is old, but they are re-aging it with a false date opened in 2023. I disputed the account and they failed to correct it. This violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

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 2025-07-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Someone used my personal information to open this account I had no knowledge of this nor did I allow anyone else to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/year> with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
TransUnion is reporting a negative tradeline related to an XXXX XX/XX/XXXX( XXXX ) from XXXX that included a single late payment. Under FCRA 605 ( a ), this information should have been automatically removed after 7 years, yet it remains on my credit report in XXXX. 

I submitted a formal dispute and TransUnion failed to remove or properly investigate the account. This is a direct violation of federal credit reporting guidelines, and it is actively harming my credit profile. 

I am requesting immediate removal of this tradeline and regulatory review of TransUnions compliance practices regarding obsolete account 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 non-monetary relief