vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180000.00} Late 30 days XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ 060 days Late XXXXXXXX XXXX XXXX XXXX  days late XXXX XXXX  days late XX/XX/XXXXXXXX  and 90 days late XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2000.00} late 30 days XXXX  XXXX 60 days late XX/XX/XXXX and XXXX XXXX days late XXXX XXXX days late XXXX XXXX 90 days late XXXX XXXX  and 120 days late XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-28 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX Balance {$570.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX Balance 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 2025-07-28 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX  High Balance : {$950.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  XXXX High Balance : {$2000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$1200.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX  High Balance : {$950.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  XXXX High Balance : {$2000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$1200.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
RE : DEMAND FOR FULL ACCOUNTING, REPOSSESSION DOCUMENTATION, AND DEBT VERIFICATION Account Number : [ Insert Account Number, if known ] Dear Bridgecrest Compliance Department, I am formally requesting validation and legal verification of the alleged deficiency balance currently being reported by your company in the amount of {$8800.00} for an auto loan account that resulted in repossession. 

According to my credit report, this account is being furnished by Bridgecrest to the major credit bureaus. I dispute the accuracy and completeness of this account under both federal law and state commercial statutes. You are now obligated to provide full documentation to substantiate this account as outlined below : Under the Uniform Commercial Code : Pursuant to UCC 9-610 and 9-616, I am demanding : A complete post-sale explanation showing : Date of vehicle repossession Date and method of sale Gross amount received from the sale All deductions and fees ( repossession, storage, auction, etc. ) Net deficiency balance calculation Further, under UCC 9-611, you are required to have provided me with a written notice of intent to sell prior to auction. If this notice was not sent, or you can not prove receipt, then your right to claim any deficiency balance may be legally void. 

Under the Fair Credit Reporting Act ( FCRA ) : Per 15 U.S.C. 1681s-2 ( b ) and 623 ( a ) ( 1 ) ( A ), you are required to : Investigate and verify the accuracy and completeness of this tradeline Ensure that no unverifiable or inaccurate information is furnished to the credit bureaus Delete or correct this account if you can not produce proper legal documentation Until you complete the investigation and provide the above-requested documentation : I demand that you cease all collection efforts Cease and desist from reporting this account to any consumer reporting agency Mark the account as disputed on all consumer reports under 15 U.S.C. 1681i Failure to Comply : If you are unable to fulfill these obligations within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and pursue legal remedies including claims for damages, removal of the account from my credit reports, and any statutory violations. 

Please respond in writing with the requested documentation to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
RE : Debt Validation and Cease and Desist Request Account Number Ending : XXXX Original Creditor : XXXX XXXX Reported Balance : {$10000.00} Credit Reporting Agency : XXXX  To Whom It May Concern, I am contacting you regarding the above-referenced collection account that you are reporting to XXXX  in connection with a debt allegedly owed to XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally requesting that you provide full validation of this alleged debt. Until such validation is provided, you must immediately cease all collection activity and reporting to any consumer reporting agencies. 

Please provide the following documentation : A signed lease agreement between myself and XXXX XXXX An itemized breakdown of charges, fees, payments, deposits, and the current balance A copy of the move-out statement or final billing Documentation proving legal assignment or transfer of the account to Fair Collections & Outsourcing Proof that your company is licensed and legally authorized to collect debts in the State of Georgia In addition, under Section 805 ( c ) of the FDCPA, I am requesting that you immediately cease all communication with me. This includes contact by phone, mail, or any other means. You are also instructed to cease furnishing any information regarding this account to any consumer reporting agency, including TransUnion, until you have fully validated the debt as required by law. 

If you are unable to produce the requested documentation within 30 days, I will consider the matter closed and will take appropriate action. This includes filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Georgia Attorney Generals Office for violations of the FDCPA and the Fair Credit Reporting Act for inaccurate and unverified reporting. 

Continued reporting without legal validation will be considered willful noncompliance and subject to further legal remedies.

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 2025-07-28 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NH

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

Company 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 2025-07-28 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: NY

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

Company 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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  I am not smart enough to describe what happened. Someone is professionally messing up my application over high technology. I can't get a consistent web page.

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 2025-07-28 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Demanding deletions of any negative or derogatory marks on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
XXXX XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 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  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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a documented victim of XXXX XXXX, and my status is already on file with TransUnion, which makes me eligible for protection under FCRA 605C. I also submitted a valid FTC Identity Theft Report, proof of identity, and a written request under FCRA 605B to block fraudulent accounts and inquiries. 

Despite receiving all required documentation, TransUnion denied my request, citing irrelevant reasons like payment history and prior disputes. These are not legal grounds for denial under FCRA 605B. Once the correct documents are submitted, TransUnion is legally required to block the information within 4 business days they failed to do so.

I also filed the same dispute with XXXX, and they deleted the fraudulent accounts listed below, confirming they were indeed unauthorized. I am attaching my XXXX  results as proof. 

The fraudulent accounts I requested TransUnion to block include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The fraudulent inquiries I requested to be blocked include : XXXX XXXX XXXX XXXX XXXX XXXX All of these are listed in my signed FTC Identity Theft Report dated XX/XX/XXXX, which I also attached. 

TransUnion is in clear violation of both FCRA 605B and 605C. Their denial mirrors the exact practices identified in the XXXX XX/XX/XXXXXXXX  lawsuit against XXXX  for sham investigations : https : //www.consumerfinance.govXXXX

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 2025-07-28 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:
While reviewing my credit report as I normally do, I noticed unexpected discrepancies this time. I attempted to refresh my browser thinking it might be a temporary error, but the inaccurate accounts remained. Due to this concern, Im requesting a careful review of the documents I submitted so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dealing with a billing error after being a longtime loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S.C. 1681i, I have the right to dispute inaccurate and unverifiable information on my credit report. I submitted disputes to the bureaus and received updates marking the accounts as verified without receiving proof. The furnisher has not provided the original contract bearing my signature or a breakdown of how the alleged debt was calculated. This is a violation of my rights under the FCRA. I am requesting deletion of the account ( s ) unless proper verification can 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 explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
According to 15 U.S.C. 1681i, I have the right to dispute inaccurate and unverifiable information on my credit report. I submitted disputes to the bureaus and received updates marking the accounts as verified without receiving proof. The furnisher has not provided the original contract bearing my signature or a breakdown of how the alleged debt was calculated. This is a violation of my rights under the FCRA. I am requesting deletion of the account ( s ) unless proper verification can be provided.

Company response to consumer: Closed with explanation