vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am filing this complaint against all three major consumer reporting agenciesExperian, XXXX, and XXXX ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Failure to properly reinvestigate and remove inaccurate or unverifiable information ; 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) Failure of data furnishers to investigate disputes and delete or correct erroneous information after notice ; FTC XXXX XXXX  FTC XXXX Experian, and FTC XXXXXXXX XXXXprior consent orders requiring improved dispute response practices. 

Despite multiple disputes and submission of documentation through proper channels, these bureaus have failed to delete or properly investigate the following accounts, which are included and detailed in FTC Identity Theft Report # XXXX. 

These accounts are inaccurate, unverified, and contain conflicting information across bureaus. I have not authorized or acknowledged responsibility for these accounts, many of which contain false derogatory marks that damage my credit profile. I also submitted detailed personal statements in writing, which have not been honored or reflected in updated reports. 

- This report is submitted by myself not an automated service. 
- These accounts are not associated with any pending lawsuits or litigation matter. 



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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am filing this complaint against all three major consumer reporting agenciesExperian, XXXX, and XXXX ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Failure to properly reinvestigate and remove inaccurate or unverifiable information ; 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) Failure of data furnishers to investigate disputes and delete or correct erroneous information after notice ; FTC XXXX XXXX  FTC XXXX Experian, and FTC XXXXXXXX XXXXprior consent orders requiring improved dispute response practices. 

Despite multiple disputes and submission of documentation through proper channels, these bureaus have failed to delete or properly investigate the following accounts, which are included and detailed in FTC Identity Theft Report # XXXX. 

These accounts are inaccurate, unverified, and contain conflicting information across bureaus. I have not authorized or acknowledged responsibility for these accounts, many of which contain false derogatory marks that damage my credit profile. I also submitted detailed personal statements in writing, which have not been honored or reflected in updated reports. 

- This report is submitted by myself not an automated service. 
- These accounts are not associated with any pending lawsuits or litigation matter. 



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 non-monetary relief
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-01 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: GA

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 Services , 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 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 XXXXXX/XX/XXXX, Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-07-01 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:
I am filing this complaint because the credit bureaus and furnishers are failing to comply with the Fair Credit Reporting Act. 

I disputed multiple inaccurate and damaging items on my credit report : XXXX ( Account # XXXX ) is fraudulent and the result of identity theft. I have filed an FTC Identity Theft Report and provided it, along with my ID and proof of address, to request a block under FCRA 605B. 
XXXX ( Account # XXXX ) and XXXX XXXX ( Account # XXXX ) are reporting late payments without proper verification. The furnishers only provided generic internal documents with no signed contracts, billing statements, or detailed ledgers proving the delinquencies. This fails the requirement under FCRA 611 and 607 ( b ) for a reasonable reinvestigation and maximum possible accuracy. 

I have demanded that these inaccurate and unverifiable items be removed from my credit reports within 4 business days. The bureaus and furnishers have failed to comply, so I am requesting that the CFPB take immediate action to ensure these accounts are removed due to FCRA violations and the presence of identity theft.

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 2025-07-01 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: MO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

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 explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , 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 : XXXXXXXX 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  Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) 1681i and 609 ( a ), I am entitled to a thorough investigation and full proof of accuracy. 

XXXX / XXXX duplicate or merged reporting with 120-day lates Several accounts are reporting charge-offs, collections, and 120-day lates without proper validation, and some show inconsistent data across the credit bureaus. 

These entries are damaging my credit and were not verified properly. I am requesting immediate CFPB investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
What happened : As of XX/XX/2025, my federal student loan serviced by XXXX is being inaccurately and unlawfully reported on my credit reports. The account is showing a balance owed that is incorrect, and it also shows XXXX late payments that are false. I have maintained my repayment schedule without missing payments, and this information does not accurately reflect my account history. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires that information furnished to consumer reporting agencies be complete and accurate. Specifically : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under 15 U.S.C. 1681s-2 ( b ), once a consumer notifies a furnisher of a dispute, the furnisher must conduct a reasonable investigation and correct or delete any inaccurate information.

Further, the Higher Education Act ( 20 U.S.C. 1087a et seq. ) requires accurate servicing and reporting of federal student loan information. 

If XXXX is acting in any debt collection capacity, this false reporting also constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representation in connection with the collection of any debt. 

Actions I have taken : I have obtained and reviewed my credit reports from Equifax, XXXX XXXX XXXX 

On XX/XX/2025, I filed a dispute directly with each credit bureau regarding these inaccuracies and provided documentation supporting my payment history and correct account status. 

On XX/XX/2025, I contacted XXXX in writing to request immediate correction of this information and compliance with federal law. 

To date, these inaccuracies remain uncorrected and continue to damage my credit profile unlawfully. 

Requested resolution : Remove all references to late payments on this account. 

Correct the reported balance to reflect accurate and current information. 

Cease any further reporting of inaccurate information. 

Promptly notify Equifax, XXXX XXXX XXXX of the corrected information in compliance with 15 U.S.C. 1681s-2 ( b ). 

Provide me with written confirmation of the corrections within 30 days as required under federal law. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
What happened : As of XX/XX/year>, my federal student loan serviced by XXXX is being inaccurately and unlawfully reported on my credit reports. The account is showing a balance owed that is incorrect, and it also shows XXXX late payments that are false. I have maintained my repayment schedule without missing payments, and this information does not accurately reflect my account history. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires that information furnished to consumer reporting agencies be complete and accurate. Specifically : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under 15 U.S.C. 1681s-2 ( b ), once a consumer notifies a furnisher of a dispute, the furnisher must conduct a reasonable investigation and correct or delete any inaccurate information.

Further, the Higher Education Act ( 20 U.S.C. 1087a et seq. ) requires accurate servicing and reporting of federal student loan information. 

If XXXX is acting in any debt collection capacity, this false reporting also constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representation in connection with the collection of any debt. 

Actions I have taken : I have obtained and reviewed my credit reports from XXXX, Experian, and XXXX. 

On XX/XX/year>, I filed a dispute directly with each credit bureau regarding these inaccuracies and provided documentation supporting my payment history and correct account status. 

On XX/XX/year>, I contacted XXXX in writing to request immediate correction of this information and compliance with federal law. 

To date, these inaccuracies remain uncorrected and continue to damage my credit profile unlawfully. 

Requested resolution : Remove all references to late payments on this account. 

Correct the reported balance to reflect accurate and current information. 

Cease any further reporting of inaccurate information. 

Promptly notify XXXX, Experian, and XXXX  of the corrected information in compliance with 15 U.S.C. 1681s-2 ( b ). 

Provide me with written confirmation of the corrections within 30 days as required under federal law. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation