vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-02 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: 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 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  ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/XXXX first contact. First time I'm hearing about the debt. I asked repeatedly how much I owed. The woman refused to answer my questions. I had to end the call because I was at work. 

I requested a statement multiple times through email to colony park .. with no response. 

XX/XX/XXXX IQ called back to inform me they were moving forward with legal action because I refused to pay. I told them I never refused to pay, that I would have to make payment arrangements... they proceeded to drill me for information. I told them they didn't need the information they were requesting for payment arrangements. They told me they would not work with me if I wouldn't give them the information they were requesting. I complied as much as I could. I made a XXXX payment as I stated I could make and they proceeded to require another XXXX payment from me. Then told me they would be proceeding with legal action for refusing to pay. They bullied and threatened me upon my request to make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I received a letter from Equifax XXXX dated XX/XX/year>, requesting documents that I had already sent to them via certified mail. I requested that my address be updated and the old address deleted, as I do not want any mail coming to an old address that serves me no purpose. Additionally, as a federal consumer, I have a right to privacy as per the Fair Credit Reporting Act ( FCRA ). 

Equifax was informed of the incorrect old address and is refusing or stalling to delete the old, incorrect, inaccurate address. To show that Equifax is acting in bad faith, they replied to me at the new address but are still asking for more documentation. On XX/XX/year>, I submitted a copy of my lease agreement along with a XXXX copy of my brand new driver 's license that included my new address. Equifax replied to the new address by sending me a letter, yet they refuse to update and delete the old address. 

This is a violation of the FCRA, including but not limited to : XXXX681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

1681n : Willful noncompliance with the FCRA.

1681o : Negligent noncompliance with the FCRA.

Equifax 's actions are in direct violation of my rights under the FCRA, and their refusal to correct the inaccurate information after it has been brought to their attention demonstrates negligence and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am filing this complaint because ChexSystems is reporting an account closure by XXXX XXXX XXXXXXXX that is inaccurate and damaging to my banking history. 

The account was closed by XXXX XXXX XXXXXXXX with no negative balance, no loss to the bank, and no fraudulent activity. The funds were returned to me in full, and the account was settled. 

I have disputed this record with ChexSystems and provided documentation showing that there was no wrongdoing or debt. However, ChexSystems has refused to remove the negative information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of this inaccurate or unverifiable information. The reporting is misleading and prevents me from opening new bank accounts. 

I am requesting that the CFPB investigate this matter and require ChexSystems to remove or correct this record immediately. 

Thank you for your assistance.

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 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC
State: TX

Complaint narrative:
Starting with XX/XX/XXXX I contacted loancare servicing about my leins from hud and told them they had a duplicate that they had done by mistake in XXXX and that I needed them to release it because we never got payment for this amount twice then they said they needed to investigate it and it would take 3 to 5 business days in which case was on track for our XX/XX/XXXX close they never got back to me and I called several times over the next XXXX weeks because we couldn't close with it lingering on my report. Meanwhile they were hounding me for payment of my loan late fees and telling me they were going to put a late on my credit report all while this loan should have been closed and paid but no we were waiting on them and every time I talked to them they kept saying it's being reviewed over and over and then finally on XX/XX/XXXX they said the release had been sent to hud nut that the department had till the XXXX to finalize it and to this day still nothing from them and hud said same thing too meanwhile there charging me my loan with interest and late fees for something that is there fault and wasn't fixed in a timely manner.

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 2025-07-02 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: WI

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, that is considered identity theft. 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 2025-07-02 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:
Experian has failed to fulfill its legal obligations under the FCRA to conduct a proper reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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 disputes outcomes. these failures align with my experience, where experian has neither corrected nor 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 law and my rights as a consumer.

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 2025-07-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a XXXX XXXX credit card with Comenity Bank since XXXX and never had any missed or late payments. In XX/XX/XXXX, I discovered the account was closed without my knowledge or consent. When I called customer service, I was told the account had been closed due to inactivity and could not be reopened. I specifically spoke with a representative named XXXX on XX/XX/XXXX at XXXX XXXX who confirmed that Comenity had the correct email and home address on file. Despite that, I was never notified of the planned closure. The representative was also dismissive and told me to just reapply. I am filing this complaint because I was not given a fair opportunity to keep my account open, and the lack of communication is unacceptable given my XXXX year history with the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 this complaint against XXXX XXXX XXXX for their failure to provide proper debt verification as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I previously disputed the debt with XXXX XXXX XXXX and the credit bureaus, requesting proper validation, including original signed agreements, detailed account statements, and proof of their legal authority to collect the debt. However, XXXX XXXX XXXX responded with a generic confirmation, failing to provide substantive documentation to prove the legitimacy and accuracy of the debt.

Key Issues : Failure to Provide Proper Debt Validation : XXXX XXXX has not provided adequate documentation verifying the debt, violating 15 U.S. Code 1692g ( FDCPA ).

Failure to Disclose Method of Verification : The credit bureaus, in response to my dispute, claim XXXX XXXX verified the debt but have not disclosed their method of verification as required under 15 U.S. Code 1681i ( FCRA ).

Harm to My Creditworthiness : This inaccurate reporting is negatively impacting my credit score, causing financial harm and potentially leading to loan denials.

Requested Resolution : XXXX XXXX XXXX must provide detailed verification of the debt, including signed agreements and payment history.

If they can not validate the debt with legitimate documentation, the account must be removed from my credit report.

The credit bureaus should provide their method of verification or delete the item if XXXX XXXX fails to respond appropriately.

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 2025-07-02 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 this complaint against XXXX XXXX XXXX for their failure to provide proper debt verification as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I previously disputed the debt with XXXX XXXX XXXX and the credit bureaus, requesting proper validation, including original signed agreements, detailed account statements, and proof of their legal authority to collect the debt. However, XXXX XXXX XXXX responded with a generic confirmation, failing to provide substantive documentation to prove the legitimacy and accuracy of the debt. 

Key Issues : Failure to Provide Proper Debt Validation : XXXX XXXX has not provided adequate documentation verifying the debt, violating 15 U.S. Code 1692g ( FDCPA ).

Failure to Disclose Method of Verification : The credit bureaus, in response to my dispute, claim XXXX XXXX verified the debt but have not disclosed their method of verification as required under 15 U.S. Code 1681i ( FCRA ).

Harm to My Creditworthiness : This inaccurate reporting is negatively impacting my credit score, causing financial harm and potentially leading to loan denials.

Requested Resolution : XXXX XXXX XXXX must provide detailed verification of the debt, including signed agreements and payment history.

If they can not validate the debt with legitimate documentation, the account must be removed from my credit report.

The credit bureaus should provide their method of verification or delete the item if XXXX XXXX fails to respond appropriately.

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 2025-07-02 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 this complaint against XXXX XXXX XXXXs for their failure to provide proper debt verification as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I previously disputed the debt with XXXX XXXX XXXX and the credit bureaus, requesting proper validation, including original signed agreements, detailed account statements, and proof of their legal authority to collect the debt. However, XXXX XXXX XXXX responded with a generic confirmation, failing to provide substantive documentation to prove the legitimacy and accuracy of the debt.

Key Issues : Failure to Provide Proper Debt Validation : XXXX XXXX has not provided adequate documentation verifying the debt, violating 15 U.S. Code 1692g ( FDCPA ).

Failure to Disclose Method of Verification : The credit bureaus, in response to my dispute, claim XXXX XXXX verified the debt but have not disclosed their method of verification as required under 15 U.S. Code 1681i ( FCRA ).

Harm to My Creditworthiness : This inaccurate reporting is negatively impacting my credit score, causing financial harm and potentially leading to loan denials.

Requested Resolution : XXXX XXXX XXXX must provide detailed verification of the debt, including signed agreements and payment history.

If they can not validate the debt with legitimate documentation, the account must be removed from my credit report.

The credit bureaus should provide their method of verification or delete the item if XXXX XXXX fails to respond appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AZ

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 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 2025-07-02 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: AZ

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 2025-07-02 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: MD

Complaint narrative:
I previously disputed several of these accounts on XX/XX/year>, and initiated a formal reinvestigation through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, XXXXOn XXXX XXXX I looked at my Experian report and the account are sitll report and despite these efforts, the company continues to report harmful and unverifiable information, which is not only damaging but unlawful under federal laws XXXX ( b ) XXXX, and XXXX ( XXXX ). 

XXXX Account # XXXX Closed XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # 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 2025-07-02 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: MS

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 XXXX 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 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