vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-04 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: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am formally disputing several accounts currently listed on my credit report that I did not open or authorize. I have no connection to these accounts, and their presence is both inaccurate and damaging to my credit profile. 

This is a serious breach that misrepresents my financial history and must be addressed immediately.

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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-04 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: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint because a paid account is still being reported inaccurately on my credit report. The company reporting the account is OMNI financial, and I paid the account in full on [ Insert Date ]. Despite this, the account is still showing as [ charged off/ with a balance / past due / negative ], which is misleading and damaging to my credit profile. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : which requires furnishers to report accurate and complete information to the credit bureaus.

15 U.S.C. 1681i : which requires credit reporting agencies to correct or delete any disputed information that can not be verified as accurate within XXXX  days. 
I contacted the creditor and/or disputed the account with the credit bureaus, and they have failed to correct the inaccurate reporting. Since the account is paid in full and no longer due, it should not be reported as unpaid, charged off, or with a balance. 
I am requesting that this tradeline be either : Corrected to reflect Paid in Full with a {$0.00} balance and no negative status ; or Deleted entirely if they can not verify and correct the information being reported. 
I have attached supporting documentation as needed and ask that the CFPB ensure my rights under the FCRA are upheld.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stein Law, P.C.
State: NV

Complaint narrative:
Please be advised that this debt is disputed in full and is not acknowledged. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and additional protections under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting immediate debt validation and a full cease of all collection activities pending proper verification of this alleged obligation. 
You are now required to provide the following documentation for full validation : XXXX. A full itemized accounting of the alleged debt from inception, including principal, interest, fees, payments, and how the balance was calculated. 
XXXX. A copy of the original contract or agreement bearing my wet-ink signature that allegedly created the debt. 
XXXX. Proof of ownership of the debt, including : A complete and unbroken chain of assignment from the original creditor ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX. 
A copy of the Forward Flow Agreement or Purchase and Sale Agreement governing the sale or transfer of the alleged account, verifying XXXX XXXX XXXX, XXXX purchased and legally owns the alleged obligation. 
The date of sale/assignment and exact legal capacity in which XXXX XXXX XXXX XXXX XXXX acquired the debt. 
XXXX. The name, address, and account number of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 5 ).

5. Proof that your firm is legally authorized and licensed to collect debts in Nevada, including any applicable state registration numbers and bonding documentation.

6. A statement confirming whether this alleged debt has been reported to any credit reporting agencies. If so, provide the method and date of reporting. Be aware that reporting a disputed and unvalidated debt is a direct violation of FCRA 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 a victim of XXXX XXXX and I submitted a formal request to Experian on [ XXXX XXXXXXXX  ], in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-3, as amended by the National Human Trafficking Prevention Act and the Debt Bondage Repair Act. 
My request included all required documentation : Proof of identity Proof of address Documentation confirming my status as a victim of XXXX  A written list of the accounts I requested be blocked due to XXXX-related activity According to the law, Experian, transunion and equifax is required to block the information from my credit report within four business days of receiving my complete request. However, as of today, [ XXXX ] business days have passed and I have received no response from Experian, transunion or equifax, and the items remain on my credit report. 


Their failure to respond or take action is a violation of the FCRA. This is causing me continued harm, as the inaccurate information affects my financial stability and recovery process as a survivor. 

I respectfully request that the CFPB intervene to ensure these companies complies with its legal obligation to block the XXXX-related information from my credit report immediately. 
accounts exeter finance bridgecrest fingerhut fetti XXXX  XXXX bankruptcy atl XXXX XXXXXXXX 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 2025-08-04 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 a victim of XXXX XXXX and I submitted a formal request to Experian on [ XXXX XXXXXXXX  ], in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-3, as amended by the National Human Trafficking Prevention Act and the Debt Bondage Repair Act. 
My request included all required documentation : Proof of identity Proof of address Documentation confirming my status as a victim of XXXX  A written list of the accounts I requested be blocked due to XXXX-related activity According to the law, Experian, transunion and equifax is required to block the information from my credit report within four business days of receiving my complete request. However, as of today, [ XXXX ] business days have passed and I have received no response from Experian, transunion or equifax, and the items remain on my credit report. 


Their failure to respond or take action is a violation of the FCRA. This is causing me continued harm, as the inaccurate information affects my financial stability and recovery process as a survivor. 

I respectfully request that the CFPB intervene to ensure these companies complies with its legal obligation to block the XXXX-related information from my credit report immediately. 
accounts exeter finance bridgecrest fingerhut fetti XXXX  XXXX bankruptcy atl XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: MD

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 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 2025-08-04 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: GA

Complaint narrative:
I am submitting a formal dispute regarding a charge-off account reported by XXXX XXXX XXXX XXXX XXXX reported balance of {$1000.00}. This item is currently appearing on my TransUnion credit report. After reviewing my report and investigating this account, I believe this charge-off is inaccurate, outdated, and unverifiable, and should be permanently removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

I submitted a formal dispute directly to TransUnion requesting that they verify the accuracy of the account or remove it entirely. However, they failed to provide any supporting documentation or validation. The account remains on my credit report without proper justification. 

Whether this charge-off was placed in error or was not properly verified, its continued reporting is harmful and legally questionable. TransUnion has an obligation under FCRA to report only complete and verifiable information, and this account does not meet that standard. 

I am requesting that the CFPB intervene and require TransUnion to either produce full verification of this debt or delete it from my file entirely. This inaccurate account is negatively impacting my credit and financial well-being. 

I expect formal resolution and written confirmation that the account has been removed or validated with complete documentation.

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 2025-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I recently downloaded the credit app and notice that I had a debt that was not to my knowledge from Exter financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I reviewed my credit report from [ XXXX XXXX and discovered that it contains information that I believe is inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I submitted a formal dispute to the credit bureau requesting an investigation into any information on my report that can not be verified with original documentation from the data furnishers. 

Despite providing identification and proof of address, the credit bureau has not confirmed whether the disputed information has been properly verified. If any item can not be verified, it must be deleted from my credit file as required by FCRA Section 611 ( 15 U.S.C. 1681i ). 

I am requesting the CFPB to ensure that the credit bureau completes a lawful and timely investigation, removes any unverifiable information, and provides me with an updated credit report reflecting any corrections or deletions made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
TRANSUNION has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which TRANSUNION has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-08-04 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:
they violated my rights as a consumer under 15usc 1681b and I need these items blocked and deleted off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I never heard of saying I owe them money. I never had an account with this company. I did not authorize them to share my information. They are trying/pursuing by putting this information on my credit reports. Delete was received, it is not mine

Company response to consumer: Closed with explanation