vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action 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 2025-10-02 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: AR

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-10-02 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Your Account Number XXXX Account Name XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-10-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-02 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action 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 2025-10-03 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 hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
Bounce AI is furnishing inaccurate and retaliatory information to the credit bureaus in violation of the FCRA and FDCPA. Bounce AI reported my tradeline as closed, then re-opened it as open/aging after I filed a lawsuit. 
XXXX admits it is only a servicer with no ownership interest in the account. 
Bounce AI has also conducted an unauthorized soft pull of my credit file, which I believe is improper use of my SSN without permissible purpose. 
This conduct has directly harmed me. 
I request CFPB take enforcement action and direct BOUNCE AI to cease retaliatory and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX'I am submitting this complaint to formally dispute multiple unauthorized inquiries reporting on my Experian credit file. Rather than mailing the dispute separately, I am including my dispute letter as an attachment to this complaint so that the CFPB may directly forward it to the credit bureau.\nThe unauthorized inquiries are: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis approach ensures a verifiable chain of communication and gives me confidence that Experian will receive my request, acknowledge it, and respond as required under FCRA Section 611.'

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 2025-10-02 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: GA

Complaint narrative:
I am filing a complaint against Experian, XXXX, and XXXX  ( consumer reporting agencies ) and the furnisher XXXXXXXX XXXX XXXX ( XXXX XXXX  ) for continued reporting and re-verification of inaccurate information on my credit files. I have disputed these two credit card tradelines with each bureau, including twice with Experian, on the following dates : [ XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ]. Despite notice, the bureaus and furnishers failed to conduct a reasonable reinvestigation and have re-verified the same inaccurate information without providing competent evidence of accuracy. This violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S.C. 1681i ( FCRA 611 ) : duty of consumer reporting agencies to conduct a reasonable reinvestigation. - 15 U.S.C. 1681s-2 ( b ) ( FCRA 623 ( b ) ) : duty of furnishers to investigate disputes and report accurate results. - 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) : duty of consumer reporting agencies to assure maximum accuracy. The continued reporting has harmed my creditworthiness, causing score suppression and difficulty obtaining fairly-priced 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 2025-10-02 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: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and TransUnion ( consumer reporting agencies ) and the furnisher XXXXXXXX XXXX XXXX ( XXXX XXXX  ) for continued reporting and re-verification of inaccurate information on my credit files. I have disputed these two credit card tradelines with each bureau, including twice with XXXX, on the following dates : [ XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ]. Despite notice, the bureaus and furnishers failed to conduct a reasonable reinvestigation and have re-verified the same inaccurate information without providing competent evidence of accuracy. This violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S.C. 1681i ( FCRA 611 ) : duty of consumer reporting agencies to conduct a reasonable reinvestigation. - 15 U.S.C. 1681s-2 ( b ) ( FCRA 623 ( b ) ) : duty of furnishers to investigate disputes and report accurate results. - 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) : duty of consumer reporting agencies to assure maximum accuracy. The continued reporting has harmed my creditworthiness, causing score suppression and difficulty obtaining fairly-priced 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 non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am filing a complaint against XXXX, Equifax, and XXXX  ( consumer reporting agencies ) and the furnisher XXXXXXXX XXXX XXXX ( XXXX XXXX  ) for continued reporting and re-verification of inaccurate information on my credit files. I have disputed these two credit card tradelines with each bureau, including twice with XXXX, on the following dates : [ XX/XX/year>, XX/XX/year>, XX/XX/year> ]. Despite notice, the bureaus and furnishers failed to conduct a reasonable reinvestigation and have re-verified the same inaccurate information without providing competent evidence of accuracy. This violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S.C. 1681i ( FCRA 611 ) : duty of consumer reporting agencies to conduct a reasonable reinvestigation. - 15 U.S.C. 1681s-2 ( b ) ( FCRA 623 ( b ) ) : duty of furnishers to investigate disputes and report accurate results. - 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) : duty of consumer reporting agencies to assure maximum accuracy. The continued reporting has harmed my creditworthiness, causing score suppression and difficulty obtaining fairly-priced credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: DE

Complaint narrative:
This is XXXX XXXX. XXXX. I am submitting a XXXX XXXX dispute regarding inaccurate and unverified information TransUnion continues to report related to a XXXX charge-off account ( ending in XXXX ). In Round 1, I submitted a formal CFPB complaint and mailed a dispute letter requesting a reinvestigation under FCRA 611 due to multiple data inconsistencies across bureaus. These include different high credit limits, last payment dates, status/comments, and no confirmed Date of First Delinquency ( DOFD ), which is required for applying the 7-year reporting period under FCRA 605 ( c ). 

TransUnion did not address these discrepancies or provide confirmation that the information was verified using original source documentation from the furnisher ( XXXX ), as required under Metro 2 and FCRA accuracy standards ( 607 ( b ) ). Therefore, I am following up with this Round 2 complaint and asking that the tradeline be either fully verified using original source records including the correct DOFD or deleted if such records can not be provided.

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 2025-10-02 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint against National Credit Systems ( NCS ) and XXXX, both of whom have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Background of the Issue Collection Agency : XXXX XXXX XXXX Account # : XXXX Original Creditor : Central Station at XXXX XXXX  Balance Reported : {$1700.00} Date Opened : XX/XX/XXXXXXXX  On XX/XX/XXXX, I sent a certified debt validation request to XXXX under 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) requesting verification of the alleged debt. 

Tracking # : XXXX ( XXXX ) Delivered : XX/XX/XXXXXXXX  at XXXX XXXX signed by XXXX XXXX XXXX XXXX Exhibits Provided : AH Despite multiple statutory violations, NCS never responded or validated the debt. Over 30 days later, I sent a Final Demand for Deletion on XX/XX/XXXXXXXX  ( XXXX XXXX ). No reply was received. 

Nonetheless, XXXX  marked the debt as Verified and Updated on XX/XX/XXXX, as shown in the attached Dispute Results ( XXXX XXXX  ). This is despite providing them with complete evidence showing the debt was unverified and NCS was non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action 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 non-monetary relief
Consumer complaint received 2025-10-02 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 reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX - XXXX XXXX XXXX - XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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