vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
My information has been exposed in a national data breach. After reviewing my credit reports I have noticed accounts that I am not familiar with. I have asked the CRA 's for validation of debt but it has yet to be provided. I have submitted a FTC complaint. Please find the attached FTC 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 non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In XX/XX/year>, I discovered that someone submitted a fraudulent loan application using my identity through Speedy Cash. I did not authorize or initiate this loan request. I immediately filed a dispute with XXXX and submitted an FTC Identity Theft Report and a pending police report. Despite providing supporting documentation, XXXX  either left the account on my report or confirmed it through the lender without proper resolution. 

I requested that Speedy Cash provide me with the application details, including any identifying documents or IP address used, and asked them to flag my information to prevent further fraud. As of today, I have not received confirmation that the account was removed or deemed fraudulent. 

This fraudulent activity has negatively impacted my credit and created unnecessary stress. I am asking that this account be removed and not considered valid, as I am the victim of identity theft and have acted promptly to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

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

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

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

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

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

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Experian, I am writing to formally dispute multiple inaccurate and potentially reinserted items that appear on my Experian credit report dated XX/XX/year>, which I obtained through XXXX  These disputed items are causing significant harm to my creditworthiness and are likely a result of unlawful practices outlined in the XXXX XX/XX/year> lawsuit against Experian ( CFPB v. Experian, XXXX XXXX. 

Disputed Items : 1. Derogatory Accounts and Delinquencies : I dispute the accuracy of several negative marks, including but not limited to " recent missed payments, '' " serious delinquencies, '' and " high credit usage '' factors, which may not reflect my actual payment behavior or current balances. 
2. Name Variance : The addition of a middle name ( " XXXX XXXX XXXX '' ) appears inconsistently and may be contributing to misattributed accounts. 
XXXX. Employer Name Error : XXXX is listed under employment in my Experian report without supporting verification and should be removed unless properly validated. 
XXXX. Address Mismatch : The XXXX discrepancy and date of address updates suggest potential reinsertion or errors in address history. 

Legal Grounds : On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for : - Conducting sham investigations of consumer disputes ; - Failing to properly reinvestigate disputed items ; - Reinserting previously removed errors under different furnishers without proper notice ; - Violating Section 611 and 623 of the FCRA, and engaging in unfair practices under the CFPA. 

This letter serves as a formal notice that I expect my disputes to be fully and legally investigated under FCRA 611 and that Experian complies with the reinsertion rules outlined in FCRA 611 ( a ) ( 5 ) ( B ), which prohibit adding back previously deleted information without proper notice and justification. If Experian continues to disregard proper dispute investigation procedures as highlighted by the CFPB, I will file additional complaints with : - The Consumer Financial Protection Bureau ( www.consumerfinance.gov ) - The Federal Trad
e Commission - My state Attorney Generals office Requested Actions : - Complete and documented investigation of the items listed above within 30 days - Removal of all inaccurate or unverifiable information - Provide me with a free, updated copy of my credit report showing the corrections - Written notice describing the outcome of each investigation per FCRA 611 ( a ) ( 6 ) Enclosures : - A copy of my credit report with disputed items highlighted - A copy of my government-issued ID - Proof of current address ( utility bill or similar ) Thank you for your prompt attention to this matter. I expect full compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi credit card in XXXX and had excellent credit for many years. In XXXX, I discovered unauthorized charges on my card. I did not recognize these charges and reported them to Citi approximately a month and a half after they occurred. Despite notifying them promptly, Citi refused to take action, claiming that because the card was physically in my possession, I was responsible for the charges. 

I explained the situation in detail and requested a proper investigation or documentation, but Citi declined to help. Eventually, they charged off the account and reported it as delinquent to the credit bureaus, damaging my credit. I also filed a dispute with XX/XX/XXXX ( report XX/XX/XXXXXXXX ) but the account remains on my report. 

I am seeking CFPBs assistance in having this charge-off removed and holding Citi accountable for refusing to resolve this legitimate case of 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 2025-06-03 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am filing this complaint due to Equifax 's failure to verify and accurately report several derogatory accounts on my credit file. Despite previous disputes and requests for verification pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and 609, Equifax has continued to report the following accounts without producing documentation to substantiate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formal written request to Equifax asking for : A complete reinvestigation report, including internal notes and personnel information. 
Documents or communications received from original creditors. 
A detailed account of procedures used in verification. 
A list of all entities contacted during the reinvestigation. 
Equifax has failed to respond with the required documentation within the statutory XXXX period, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). As a result, they continue to report unverifiable and potentially inaccurate negative information, which adversely affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX reported my loans to the credit bureaus on XX/XX/XXXX. At that time my credit score was XXXX. After the XXXX reporting, my score is XXXX. I have disputed with XXXX  and Equifax. Equifax completed an investigation in favor of XXXX the first time. I submitted a complaint that XXXX withheld docs. and info. during the first investigation. Equifax, re-investigated XXXX and ruled in my favor. XXXX with held docs from Equifax both times. XXXX changed dates and removed forbearance from my account for XXXX just justifying placing a delinquent payment for XX/XX/XXXX of 120 days past due. This is a fraudulent report. XXXX removed the National disaster forbearance and place an 8 month XXXX  deferment on the account from XXXX ( XXXX policy states an XXXX  deferment is only 6 months at a time ). The account was never 120 days past due. XXXX took over the loans in XXXX, they never notified me that I could no longer submit docs through my studentaid.gov account which I had no knowledge of XXXX as the loan service provider until XX/XX/XXXX. XXXX acquired my account from Studentaid.gov by default. Loan borrowers were never contacted directly and informed. XXXX is currently being sued for all of the above stated. They have been falsifying docs, dates, and correspondence on millions of loan holders accounts. The reporting to the credit bureaus fraudulently and Equifax and XXXX  decreasing credit scores with false docs is collusion. I requested the docs XXXX removed from my XXXX account inbox. XXXX has not given me any docs I have requested over a month ago. Equifax and XXXX  is now claiming delinquencies from XXXX and prior, as of the XX/XX/XXXX XXXX credit reporting. XXXX has me in deferment for 12 months for the year XXXX by use of Hardship deferment granted by the Dept. of Education. Yet, Equifax and XXXX  have me a delinquent in XXXX. None of this is legal. XXXX, Equifax, and XXXX  are all contradicting one another. There are many open lawsuits against XXXX for all of the above stated. I am seeking representation against XXXX, Equifax, XXXX, the US DOE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and any other related parties. My rights have been violated under the law. The fair credit act has been breached. This has happened to millions of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX reported my loans to the credit bureaus on XX/XX/XXXX. At that time my credit score was XXXX. After the XXXX reporting, my score is XXXX. I have disputed with Transunion and XXXX. XXXX  completed an investigation in favor of XXXX the first time. I submitted a complaint that XXXX withheld docs. and info. during the first investigation. XXXX, re-investigated XXXX and ruled in my favor. XXXX with held docs from XXXX  both times. XXXX changed dates and removed forbearance from my account for XXXX just justifying placing a delinquent payment for XX/XX/XXXX of 120 days past due. This is a fraudulent report. XXXX removed the National disaster forbearance and place an 8 month XXXX  deferment on the account from XXXX ( XXXX policy states an XXXX  deferment is only 6 months at a time ). The account was never 120 days past due. XXXX took over the loans in XXXX, they never notified me that I could no longer submit docs through my studentaid.gov account which I had no knowledge of XXXX as the loan service provider until XX/XX/XXXX. XXXX acquired my account from Studentaid.gov by default. Loan borrowers were never contacted directly and informed. XXXX is currently being sued for all of the above stated. They have been falsifying docs, dates, and correspondence on millions of loan holders accounts. The reporting to the credit bureaus fraudulently and XXXX  and Transunion decreasing credit scores with false docs is collusion. I requested the docs XXXX removed from my XXXX account inbox. XXXX has not given me any docs I have requested over a month ago. XXXX  and Transunion is now claiming delinquencies from XXXX and prior, as of the XX/XX/XXXX XXXX credit reporting. XXXX has me in deferment for 12 months for the year XXXX by use of Hardship deferment granted by the Dept. of Education. Yet, XXXX  and Transunion have me a delinquent in XXXX. None of this is legal. XXXX, XXXX, and Transunion are all contradicting one another. There are many open lawsuits against XXXX for all of the above stated. I am seeking representation against XXXX, XXXX, Transunion, the US DOE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and any other related parties. My rights have been violated under the law. The fair credit act has been breached. This has happened to millions of borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OK

Complaint narrative:
There are three charge-off accounts currently being reported on my credit reports by all three major credit reporting agenciesXXXX XXXX and Equifaxthat I believe are either inaccurate, incomplete, or improperly verified. These accounts include : XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX reported as charged off on XX/XX/XXXX, with a balance of {$3000.00} XXXX XXXXXXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX reported as charged off on XX/XX/XXXX, with a balance of {$1300.00} XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, reported as charged off on XX/XX/XXXX, with a balance of {$49.00} ( this account is specifically being reported by Equifax ) My concerns begin with the XXXX XXXX and XXXX XXXX entries. Despite multiple attempts to have these accounts validated or fully investigated, I have yet to receive any documentation that substantiates their accuracy. The Fair Credit Reporting Act ( FCRA ) mandates that any information furnished to credit reporting agencies must be accurate, complete, and verifiable ( 15 U.S.C. 1681i ). If a consumer disputes an account, the credit bureau is obligated to perform a good-faith reinvestigation. Based on the lack of transparent verification and the continued reporting of these derogatory entries, I do not believe a thorough or fair reinvestigation has taken place. 

With regard to XXXX XXXX, the account is reporting a relatively small balance but is nonetheless significantly damaging to my credit profile because it is listed as a charge-off. I find this particularly troubling because Equifax has an established track record of reporting errors, failing to update account statuses, and maintaining information that may no longer be legally reportable. In fact, Equifax has faced numerous complaints and regulatory scrutiny for allowing inaccurate or unverifiable accounts to remain on consumers reportsoften stemming from poor data security or inadequate dispute handling procedures. This is further compounded by the fact that a massive data breach involving Equifax has raised legitimate concerns about whether these accounts may have been added or corrupted due to compromised personal information.

Given the significant financial and emotional impact these accounts have on my creditworthiness, and given the ongoing issues surrounding verification and accuracy, I respectfully request a full investigation that meets the standards of thoroughness and transparency required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I am submitting this complaint because XXXX XXXX has reported three separate 30-day late payments to the credit bureaus, even though I missed only one monthly payment that applied to three student loans.

These three loans were issued to me over three semesters but have always been billed as one combined monthly payment. My XX/XX/2024 statement from XXXX clearly shows a single " Current Amount Due '' of {$1500.00}, with no requirement to make individual payments toward each loan.

Due to a short-term financial hardship, I missed one monthly payment, which was more than 30 days late. However, I paid the full amount soon after and have since remained current. Despite the account being billed as a single monthly payment, XXXX reported this late payment as three separate delinquencies one for each tradeline resulting in excessive and disproportionate damage to my credit report for a single event I contacted XXXX multiple times and submitted a goodwill adjustment request. They refused, stating that they do not offer courtesy retractions. I then followed up with a second request, including documentation of the billing structure. They responded again with a refusal. 

I am requesting the CFPBs assistance in having the two additional late marks removed so that the reporting accurately reflects one missed payment event, not three. This duplicate derogatory reporting is unfair and misleading.

Company response to consumer: Closed with explanation