vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: 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. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days 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 30 days 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: AZ

Complaint narrative:
After disputing these accounts with XXXX and providing proper documentation, they have deleted these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-07 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:
After disputing these accounts with XXXX and providing proper documentation, they have deleted these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2015, Balance : {$9700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Camino Financial Inc.
State: WA

Complaint narrative:
I inquired with Camino in XX/XX/XXXX about making extra principal balance payments in addition to my monthly payment. They said I can not make extra payments. Then on XX/XX/XXXX I inquired again about making extra principal payments and let them know that it says that I can in my loan documents. They said they would call me back but did not. Then in XX/XX/XXXX I called about not being able to access my account online. They gave me a payoff amount but did not send me a payoff. Then in XX/XX/XXXX they did not take take my payment on the XXXX like they always have. I called and they said it was just a delay. Then on XX/XX/XXXX they initiated the payment, and the payment left my account on XX/XX/XXXX. I called back and asked for a payoff on XX/XX/XXXX, but they payoff amount did not reflect the XXXX payment that was made. They instructed me that they would let me know when the payment was processed and applied to the balance, then they would provide me a payoff. They did tell me that since I ordered a payoff via phone on XX/XX/XXXX, they would not charge me interest from that date until I made the payment, but they will not be able to give me the correct payoff amount because the payment had not been applied. Today is XX/XX/XXXX and the payment is still not applied and they still can not provide me a payoff. At this point, it seems that they are doing everything they can to keep me in this very high predatory loan to continue making 45 % interest on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violates federal Federal law and my rights as a consumer.

I have request that Experian provide written documentation verifying the accuracy of this was not provided with any documentation. 

Also while speaking with XXXX in the fraud department today, I was XXXX XXXX against. I provided XXXX with my full address as verification and XXXX continuously asked for an apartment number. I asked why is asking did he see one on my report because there was not one. He stated he had to ask. I have had an Experian membership for over a decade and was never asked for an apartment number once I verified my complete address. I felt discriminated against due to my name and stereotyping/ prejudging me after I gave him the information that was in front of him. I will be filing a discrimination complaint against Experian as well.

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 2025-07-07 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: OH

Complaint narrative:
The account listed below contains critical inconsistencies across bureaus, which make it unreliable, unverifiable, and harmful to my credit profile Im reaching out to dispute inaccurate information showing on my credit report regarding a XXXX XXXX account. Ive reviewed the reports from all three credit bureaus, and this account is showing different information each time. I have identified several mishaps across the three credit bureaus that violate the 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 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 2025-07-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXX XXXX  , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}

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 explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00}

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 explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 : Incorrect Name- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 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 2025-07-07 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: NC

Complaint narrative:
XX/XX/2025 Dear CFPB, This letter is a formal dispute of incorrect student loan information reported by XXXX XXXX XXXX XXXX on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and based on the recent class action lawsuit ( XXXX XXXX XXXX ), XXXX is under legal scrutiny for miscalculating repayment plans and reporting inaccurate data to credit bureaus.

The specific issues I dispute include : - Incorrect payment amounts - False delinquency or default statuses - Inaccurate current balances - Continued reporting of outdated or unverifiable account information This has significantly and unfairly damaged my credit profile. Under FCRA 1681s-2 and 15 U.S. Code 1681i, you are required to investigate and remove any unverifiable, inaccurate, or incomplete information within 30 days.

I request that this account be : 1. Fully validated and corrected based on accurate repayment terms.

2. Removed immediately if unverifiable or found to be inaccurate.

3. Adjusted to remove any late or incorrect remarks caused by mismanagement.

Enclosed you will find a highlighted copy of my credit report, my government-issued ID, and proof of address.

This letter is to escalate the matter through the Consumer Financial Protection Bureau ( CFPB ).

I expect confirmation of this dispute and its resolution in writing within 30 days as mandated by law.

Thank you for your prompt response.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
XX/XX/year> Dear CFPB, This letter is a formal dispute of incorrect student loan information reported by XXXX XXXX XXXX XXXX on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and based on the recent class action lawsuit ( XXXX XXXX XXXX ), XXXX is under legal scrutiny for miscalculating repayment plans and reporting inaccurate data to credit bureaus.

The specific issues I dispute include : - Incorrect payment amounts - False delinquency or default statuses - Inaccurate current balances - Continued reporting of outdated or unverifiable account information This has significantly and unfairly damaged my credit profile. Under FCRA 1681s-2 and 15 U.S. Code 1681i, you are required to investigate and remove any unverifiable, inaccurate, or incomplete information within 30 days.

I request that this account be : 1. Fully validated and corrected based on accurate repayment terms.

2. Removed immediately if unverifiable or found to be inaccurate.

3. Adjusted to remove any late or incorrect remarks caused by mismanagement.

Enclosed you will find a highlighted copy of my credit report, my government-issued ID, and proof of address.

This letter is to escalate the matter through the Consumer Financial Protection Bureau ( CFPB ).

I expect confirmation of this dispute and its resolution in writing within 30 days as mandated by law.

Thank you for your prompt response.

Sincerely,

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 2025-07-07 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:
XX/XX/2025 Dear CFPB, This letter is a formal dispute of incorrect student loan information reported by XXXX XXXX XXXX XXXX on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and based on the recent class action lawsuit ( XXXX XXXX XXXX ), XXXX is under legal scrutiny for miscalculating repayment plans and reporting inaccurate data to credit bureaus.

The specific issues I dispute include : - Incorrect payment amounts - False delinquency or default statuses - Inaccurate current balances - Continued reporting of outdated or unverifiable account information This has significantly and unfairly damaged my credit profile. Under FCRA 1681s-2 and 15 U.S. Code 1681i, you are required to investigate and remove any unverifiable, inaccurate, or incomplete information within 30 days.

I request that this account be : 1. Fully validated and corrected based on accurate repayment terms.

2. Removed immediately if unverifiable or found to be inaccurate.

3. Adjusted to remove any late or incorrect remarks caused by mismanagement.

Enclosed you will find a highlighted copy of my credit report, my government-issued ID, and proof of address.

This letter is to escalate the matter through the Consumer Financial Protection Bureau ( CFPB ).

I expect confirmation of this dispute and its resolution in writing within 30 days as mandated by law.

Thank you for your prompt response.

Sincerely,

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 2025-07-07 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: NC

Complaint narrative:
I am submitting this complaint regarding the following account, which appears on my clients credit report and remains unmarked as disputed by consumer, despite a formal dispute being filed : Creditor : XXXX XXXX Account Number : XXXX Legal Grounds Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers of information must notify credit reporting agencies ( CRAs ) when a consumer disputes information on their account. 
15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports which includes properly reflecting dispute notations.

15 U.S.C. 1681i ( a ) : Requires CRAs to conduct a reasonable reinvestigation when a dispute is submitted.

While this dispute is under reinvestigation and even after, if the accuracy is still in question the account must be clearly marked as disputed by consumer. Omitting this notation is misleading and renders the report inaccurate under the FCRA. 
Specific Violation : The XXXX XXXX account was formally disputed. However, the account was never marked as disputed on the credit report. 
This failure misrepresents the status of the account and creates the false impression that the consumer agrees with the negative reporting. 
Courts have held that such omissions constitute inaccurate and misleading information under the FCRA. 
Supporting Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A credit report is inaccurate if it fails to reflect that a consumer disputes an account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) : The failure to report a known dispute is materially misleading and a violation of the FCRAs duty of accuracy.

Company response to consumer: Closed with explanation