vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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:
Equifax has continued to report inaccurate and unverifiable information concerning my accounts, including but not limited to XXXX and XXXX XXXX XXXX. Your failure to conduct a proper reinvestigation constitutes willful and negligent noncompliance with federal law. Violations of the FCRA Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) On [ Date of Dispute ], I submitted a dispute regarding the accuracy of my credit report. Equifax had 30 days to conduct a thorough reinvestigation, yet you merely reaffirmed incorrect information provided by third-party furnishers without proper verification. Continued Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) Despite clear evidence that the information is incorrect, Equifax has persisted in reporting inaccurate data, directly harming my credit profile and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute XXXX child support accounts that are currently listed on my credit report. According to my records, these accounts were opened around 2010. I believe that any negative information associated with these accounts is now outdated and should no longer be included on my credit report, as it exceeds the time limits set forth by the Fair Credit Reporting Act ( FCRA ). 

Although I do not have exact dates for when these accounts were closed or when the first delinquency occurred, it has been more than XXXX years since they were opened and since any payments were made. If there has been no recent activity on these accounts, I request that they be removed from my credit report. 

I would appreciate it if you could investigate this matter and remove any outdated or unverifiable information related to these accounts from my credit report.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 2025-04-29 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports with the national credit reporting agencies contain multiple inaccuracies regarding my personal information. 

After reviewing my reports, I discovered several errors, including incorrect names, outdated or wrong addresses, and employers with whom I have never been associated. To address this, I formally disputed the inaccuracies by submitting a written request along with copies of my government-issued ID, a current utility bill, and a sworn affidavit attesting to the accuracy of my personal information. 

Despite providing clear and verified documentation under oath, the errors have not been corrected. My identity continues to be misrepresented in the credit reporting system, exposing me to potential credit denials, unfair profiling, and increased risk of identity theft. 

I respectfully request the CFPBs assistance to ensure a full, proper, and manual reinvestigation of my personal data under Section 611 of the Fair Credit Reporting Act ( FCRA ), and that all inaccurate information is permanently corrected.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX Client : XXXX XXXX XXXX XXXX # : XXXX Contacted Retirement Services again and another timeline was provided for the simple transfer of my money from the IRA into my checking. 

Spoke with XXXX a XXXX at Citibank whom added another extension to the deposit of the funds from my IRA into the checking account. 

On Friday XXXX the representative stated that it takes XXXX hours to post into my account. 

Now XXXX added XXXX hours more stating the money would be available on Friday XX/XX/year>. 

Citibank continues to change the dates and is not honoring their deposit timeline. 

Please deposit the money from my IRA into my checking. 

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 monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-04-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: WA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this 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 2025-04-29 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: WA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this 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 non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX collection accounts from XXXX XXXX XXXX, I have sent certified letters and they still will not remove these XXXX from my credit report as well as XXXX account in collections from XXXX XXXX XXXX please have these XXXX accounts 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 2025-04-29 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: FL

Complaint narrative:
I am filing this complaint because XXXX is furnishing materially inaccurate information to the credit reporting agencies, and despite my multiple formal disputes, the inaccuracies have not been corrected.

Specifically, the account reporting violates the Metro 2 standard guidelines and the Fair Credit Reporting Act ( FCRA ). The account shows Pays as Agreed even though I experienced serious delinquencies of 120180 days. The Date of First Delinquency ( DOFD ) is missing, which can unlawfully extend the time the negative account remains on my reports.

There are also inconsistencies in the reporting of my account status ( " Transferred/Closed '' vs. " Pays as Agreed '' ), missing or inconsistent Special Comments ( " Transferred to Another Lender '' and " Consumer Disputes '' ), inaccuracies in the Date of Last Activity ( DLA ) XXXX and non-uniform portfolio and terms reporting. 

I provided an affidavit and clear evidence of these inaccuracies in my disputes to XXXX and the credit bureaus, yet no thorough or reasonable reinvestigation has been conducted as required by law. 

These errors are damaging my creditworthiness and are in clear violation of 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), as well as Florida Statutes XXXX. I am respectfully requesting CFPB 's assistance to ensure this matter is properly investigated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just became aware of a fraudulent inquiry that was made online without my knowledge or consent. I had nothing to do with this, and at no point did I authorize anyone to access or use my information in this way. This is a serious breach, and I need it 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I received a notice of adverse action regarding my application from Ally XXXX. On the same day, I promptly communicated with Ally XXXX via email at XXXX, requesting a reconsideration of my application or a retraction of the adverse decision. Unfortunately, I have yet to receive any response to this inquiry. 

On XX/XX/XXXX, I followed up with a telephone call to Ally XXXX at XXXX ( XXXX ) XXXX, seeking to speak with a representative who could assist with my request for reconsideration. During this call, I was informed by a representative in the consumer relations department that no underwriting team exists to review such matters, a claim that is inconsistent with standard operational practices for a financial institution. This lack of transparency and support is concerning. 

I hereby formally request that Ally XXXX review my application within XXXX business days. Should there be no reconsideration or retraction of the adverse action, I will require that the matter be escalated to the Federal Trade Commission, and that any funds disbursed in my name be returned to my estate. 

As an individual with the capacity to contract, I believe my request for reconsideration warrants prompt attention, and I look forward to your timely response. 

Thank you for your attention to this matter. 
Application ID : XXXX XXXX XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Im reaching out to make it absolutely clear that I need full transparency and certainty regarding the ownership of my account data. Please certifywithout exceptionthat every piece of data linked to this account belongs solely to me. This includes, but isnt limited to, any personal information, activity logs, communications, files, or any form of stored or associated content. This is important to me, and I need a direct, unequivocal confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of human trafficking, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.

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 2025-04-29 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute XXXX child support accounts that are currently listed on my credit report. According to my records, these accounts were opened around 2010. I believe that any negative information associated with these accounts is now outdated and should no longer be included on my credit report, as it exceeds the time limits set forth by the Fair Credit Reporting Act ( FCRA ). 

Although I do not have exact dates for when these accounts were closed or when the first delinquency occurred, it has been more than XXXX years since they were opened and since any payments were made. If there has been no recent activity on these accounts, I request that they be removed from my credit report. 

I would appreciate it if you could investigate this matter and remove any outdated or unverifiable information related to these accounts 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 2025-04-29 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: MD

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CO

Complaint narrative:
I am filing this complaint because First Advantage, a background check company, included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a private employer. These records were legally sealed by a Texas court in XXXX under a court-ordered nondisclosure ( Texas Government Code 411.0735 ). Under both Texas law and the Fair Credit Reporting Act ( FCRA ), sealed records are not legally reportable to private employers. 

Despite this, First Advantage reported XXXX XXXX XXXX XXXX XXXX that were fully sealed. This has now harmed a current employment opportunity with XXXX, and caused emotional distress, reputational damage, and unnecessary legal panic. 

We immediately filed a formal dispute with First Advantage and provided certified court documents proving the records were sealed. First Advantage acknowledged our dispute and said they are re-investigating, but the damage is already done the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which should not have happened in the first place. 

We are requesting that First Advantage be held accountable for this FCRA violation, and that stronger enforcement be taken against the reporting of sealed or protected records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Upon reviewing my credit report I noticed unauthorized inquiries that need to be removed from my consumer report Equifax dispute Confirmation # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
This collection account belongs to someone else and has been mistakenly added to my credit file. I kindly request its immediate removal due to inaccurate association.

Company response to consumer: Closed with explanation