vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
These accounts are the result of fraudulent activity and do not belong to me. I respectfully demand their prompt deletion under my rights afforded by 15 U.S. Code 1681g. Please process this request within 15 days. Relevant documents are enclosed.

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 2025-06-18 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: TX

Complaint narrative:
This is a formal request for the deletion of fraudulent accounts from my credit report. I had no knowledge of these accounts being created and did not authorize them. Under 15 U.S. Code 1681g, I expect their removal within 15 days. Relevant documents are included.

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 2025-06-18 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very XXXX that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} Date Opened : XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00}.

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 2025-06-18 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Experian, Transunion and Equifax for the continued reporting of inaccurate and fraudulent information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I discovered that several accounts was reporting an account that I did not authorize, open, or have any knowledge of. As a result, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted the proper documentation, including my signed affidavit and proof of identity, to the relevant credit bureaus and the furnisher of the account.

Under 15 U.S. Code 1681c-2, when a consumer provides an identity theft report, the furnisher and/or credit reporting agency is legally obligated to block the fraudulent information from appearing on the credit report within XXXX ( XXXX ) business days. Despite my full compliance, this account remains on my credit file and continues to harm my creditworthiness. 

This is a willful violation of the FCRA, and I believe a full investigation is warranted due to the failure to comply with federal law, as well as a failure to honor the FTC identity theft report I submitted. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take immediate action to : Require the permanent removal of the fraudulent account from all of my consumer credit reports Investigate the furnishers failure to comply with the identity theft protections provided under the FCRA Provide a written resolution acknowledging the results of this complaint and the actions taken Supporting Documentation : Copy of FTC Identity Theft Report Proof of Identity

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 2025-06-18 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Experian, Transunion and Equifax for the continued reporting of inaccurate and fraudulent information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I discovered that several accounts was reporting an account that I did not authorize, open, or have any knowledge of. As a result, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted the proper documentation, including my signed affidavit and proof of identity, to the relevant credit bureaus and the furnisher of the account.

Under 15 U.S. Code 1681c-2, when a consumer provides an identity theft report, the furnisher and/or credit reporting agency is legally obligated to block the fraudulent information from appearing on the credit report within XXXX ( XXXX ) business days. Despite my full compliance, this account remains on my credit file and continues to harm my creditworthiness. 

This is a willful violation of the FCRA, and I believe a full investigation is warranted due to the failure to comply with federal law, as well as a failure to honor the FTC identity theft report I submitted. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take immediate action to : Require the permanent removal of the fraudulent account from all of my consumer credit reports Investigate the furnishers failure to comply with the identity theft protections provided under the FCRA Provide a written resolution acknowledging the results of this complaint and the actions taken Supporting Documentation : Copy of FTC Identity Theft Report Proof of Identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 2 credit cards with Capital ONE, a XXXX and a XXXX  Credit Card. Last year I was facing financial hardships and I did the responsible thing and called Capital ONE to report this. I asked them about their hardship programs and they said they could enroll me in their hardship program. They asked me how much I could afford to pay and I said {$50.00}. They accepted that payment plan and enrolled me in their program. I never stopped paying the agreed amount. They reported me late in XX/XX/year> and Ive always paid them. When I contacted them, they said I had to pay the minimum amount on the accounts which was the regular minimum payments not the agreed upon hardship payment of {$50.00}. I disputed this with them and the credit unions as Capital ONE needs to honor their word and agreement. Why in the world would you require me to make the regular minimum payments when I enrolled in the hardship program? What is the purpose of the hardship program? Capital ONE needs to held accountable for their false advertising of a hardship program and for not honoring what we agreed upon. Their lack of holding up their end of the agreement is tarnishing my credit. Please help. I want Capital ONE to update my credit report with the Bureaus to reflect a no default payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
We used an FHA XXXX XXXX  XXXX that was offered by our mortgage company BSI Financial Services that with the exception of our current issue we have paid on time every month that we owe. We had job losses and needed to increase our income. We began the missed payment period XX/XX/XXXX and resumed making our monthly payments of {$1500.00} on XX/XX/XXXX. The amount we used is {$11000.00}. As elderly Americans we were amazed at the equity in XXXX  years and decided to sell our home and retire. It took some time but we received the partial claim with the amount of {$15000.00} on XX/XX/XXXX. We immediately reached out to BSI asking for a detailed statement showing how they arrived at it because we knew right away it was inaccurate. It was extremely difficult to get a person and when we did we were told different reasons for the extra charges but never valid reasons and no explanation for the amount. Each time we asked for a detailed statement and we were always told we will receive it and never did. Our house sold and now our closing is on XX/XX/XXXX with no clarification but required to pay the full amount. BSI has evaded lied drawn out a very simple request We have worked with FHA, HUD our state attorney generals office attempt to get this with more stalling by BSI. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Kikoff Inc.
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unauthorized information reported on my credit file and the ongoing failure by Experian to properly investigate my disputes.

Recently, I discovered two serious issues on my Experian credit report : 1. A charge/account from Kickoff that I did not open or authorize.

XXXX. Inaccurate payment history being reported by XXXX XXXX XXXX, which does not reflect the actual amounts or timeline of payments Ive made. 

I immediately disputed both of these items with Experian through their online dispute system, clearly explaining that the Kickoff account was unauthorized and that the XXXX XXXX XXXX was incorrect. 

To my shock and concern, Experian responded within approximately XXXX hour stating that their investigations were completed and that both items would remain on my report. Given the speed of the response and lack of follow-up or requests for supporting documents, it is evident that no reasonable investigation was conducted. 

This is not an isolated incident. Every time Ive submitted a dispute through Experian, regardless of the documentation or explanation I provide, they respond quickly with a generic decision and uphold the reportingwithout demonstrating any effort to verify or correct the information. 

Experians repeated failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) has left me with inaccurate, harmful information on my credit report that affects my financial well-being. I believe my rights as a consumer have been violated, and I am requesting immediate assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Live Oak Financial, Inc
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against XXXX  and XXXX XXXX XXXX XXXX regarding the following account : Account Name : XXXX XXXX  Account Number ( Partial ) : XXXX Nature of Complaint : XXXX  is XXXX a collection account furnished by XXXX XXXX  XXXX However, XXXX XXXX has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, XXXX  continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then XXXX  has no legal basis to include it in my credit file.

Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Source XXXX XXXX account # XXXX is reporting this debt through Transunion, Experian I have contacted Transunion, Experian about the debt that is fraudulent is a result of a leaked data breach and transunion nor Experian these will not remove from my report, although I have submitted request, and disputes. 

XXXX XXXX XXXX report # XXXX, XXXX XXXX XXXX account # XXXX is also a result from a leaked data breach, and identity theft.

According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communications, please remove this collection off my credit report, 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 2025-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I entered into a faulty purchase agreement with XXXX XXXX. In this agreement I purchased a XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ) Account : ( XXXX ). At the time of purchase I was told I had to pay a deposit. The total deposit was in the sum of XXXX cash which I was told would be deducted from the total retail value of the vehicle. As of today, though I have not missed XXXX single payment, I have realized that my payment are not going towards my loan and neither did my deposit. Unfair, Deceptive, or Abusive Acts or Practices were used to conduct this fraudulent transaction. This loan should be closed and removed from my credit.

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 2025-06-18 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: TN

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 


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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax for inaccurately reporting negative information on my credit report regarding the following account : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number ( Partial ) : XXXX Summary of Complaint : The above-referenced account is currently reported as a charged-off account with several late payments. I am disputing this information because it is inaccurate and incomplete, and Equifax failed to provide the required disclosures as mandated under federal law before this derogatory data was added to my consumer report. 

No prior notice or opportunity to dispute was given to me, which is a clear violation of my rights as a consumer.

Legal Grounds for Complaint : Equifaxs conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to ensure maximum possible accuracy of the information reported 15 U.S. Code 1681i Procedure required when the accuracy of information is disputed by the consumer 15 U.S. Code 1666b Governs the timing of payments and obligations to provide proper disclosures before derogatory reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax and XXXX XXXX A regarding the following account : Account Name : XXXX XXXX A Account Number ( Partial ) : XXXX Nature of Complaint : Equifax is reporting a collection account furnished by PORTFOLIO RECOVERY A. However, PORTFOLIO RECOVERY A has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, Equifax continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then Equifax has no legal basis to include it in my credit file. 
Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with explanation