vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-10 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: NY

Complaint narrative:
Let me be clear : this is wrong. It is your responsibility under the Fair Credit Reporting Act to ensure that all data reported about me is accurate, verifiable, and complete. Im asking you to do exactly that verify this information. And if you can not 100 % confirm, with documentation, that this information rightfully belongs to me and was reported with my consent, then you are obligated to delete it from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
A ( XXXX XXXXXXXX XXXX XXXXXXXX ) account in the- {$1700.00} was added to my credit profile. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
According to 15 use 1681 I have the right to disputes inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL CONTRACT bearing my signature & explanation of the amount and how it was calculated. I would like for the accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed 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 non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-06-10 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:
I do not recognize the negative accounts appearing on my credit

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 2025-06-10 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Credimatico LLC
State: OK

Complaint narrative:
I received a loan and was having financial hardships and was not able to repay the loan at that time and requested revocation of ACH debits via email several times. The first request was sent via email on XX/XX/XXXX, followed by approximately XXXX emails thereafter reiterating the revocation, with the last one being XX/XX/XXXX. 

They continued to debit my account for a different amount using an e-check. I sent a certified hand-written letter revoking their ACH debit authorization. After I received the signed receipt back, they continued to debit my account. 

I contacted the company and was told there was a payment arrangement in place for {$150.00} every XXXX weeks ( the original payment was {$150.00} every XXXX weeks ). I never agreed upon this payment arrangement and have requested ( via phone and email ) it be sent to me, but have never received it. I have called numerous times and am either hung up on or leave a message for a return call, which no one has ever called me back. I have also sent numerous emails to the general mailbox and to the specific person I was told to speak with, who is also the person who said there is a payment arrangement -- I have never received a reply back or the information requested ( payment history and payment arrangement ). 

I have also filed a dispute with my bank for these debits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
* * Experian Dispute Department * * XXXX XXXX XXXX XXXXXXXX, TX XXXX * * Subject : * * Formal Request for Reinvestigation of Account # # XXXX XXXX XXXX Bank XXXX To Whom It May Concern, I am writing to formally request a reinvestigation of my prior dispute regarding the account # # XXXX with XXXX XXXX XXXX  XXXX. I previously disputed inaccurate reporting concerning my payment history for XXXX XXXX30days late asserting that my account was never late. However, Experian failed to conduct a reasonable investigation into this matter, as required under the Fair Credit Reporting Act ( FCRA ). 

* * Violations of the FCRA : * * 1. * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation : * * My prior dispute was not properly investigated, and Experian failed to correct the inaccurate reporting. 
2. * * 15 U.S.C. 1681i ( a ) ( 4 ) Failure to Consider Relevant Information : * * Experian did not adequately review supporting documentation provided in my initial dispute.

3. * * 15 U.S.C. 1681e ( b ) Failure to Maintain Accuracy : * * Experian is obligated to ensure the maximum possible accuracy of credit reports, and the continued presence of this inaccurate late payment violates that obligation.

Furthermore, * * I am aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian for similar violations, including its failure to correct inaccurate credit reporting. The fact that I am experiencing the same issue demonstrates continued noncompliance. I feel like a victim of this ongoing misconduct. * * Experian 's failure to uphold its legal obligations and ensure fair credit reporting undermines consumer trust and compliance with federal law. 

I demand that Experian immediately reinvestigate this matter and correct this inaccurate reporting. If Experian maintains that the reported late payment is valid, I request that you provide all evidence relied upon in making that determination. Under FCRA guidelines, failure to conduct a proper reinvestigation may result in legal liability and further action.

Please confirm in writing that this error has been corrected or provide supporting documentation substantiating the claim. If I do not receive a satisfactory resolution within the legally prescribed timeframe, I will explore all available remedies, including potential legal action. 

I expect confirmation of this reinvestigation within 30 days.

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 2025-06-10 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: NY

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 XXXX  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. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 


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 2025-06-10 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-10 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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 2025-06-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint against JPMCB CARD for its continued failure to ensure the accuracy and integrity of the data it reports, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccurate reporting of multiple errors on my credit file. The account is from JPMCB CARD XXXX, opened XX/XX/XXXX, is being falsely reported with a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. These entries are inaccurate, unverified, and damaging. I request these derogatory items be removed unless JPMCB CARD can provide documented, verifiable evidence of their validity, in full compliance with FCRA 1681i and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
The listed accounts are erroneous and were created without my consent. I am taking immediate steps to protect my identity and request that these accounts be removed from my report. As per 15 U.S.C. 1681g, this correction must be made within 15 days. Attached are my supporting materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-10 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: CA

Complaint narrative:
I am writing to demand the immediate deletion of a credit inquiry that was made without my knowledge or consent. I never gave this company permissionverbally, in writing, online, or in any formto access my credit report. I did not apply for credit with them, and I had no contact or dealings that would justify this kind of inquiry.

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 2025-06-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sound Collection Services
State: TX

Complaint narrative:
I received a report of a collections on my XXXX  credit report with the following information : Collection Agency : SOUND SCREENING SERVICES, I, Original Creditor Name : XXXX XXXX XXXX, Date Assigned XX/XX/XXXX, Original Amount Owed {$16000.00}, Amount {$15000.00}, Status Date XX/XX/XXXX, Status UNPAID, Balance Date XX/XX/XXXX, Account Designator Code JOINT_ACCOUNT, Account Number # # # # # XXXX, Creditor Classification RENTAL_OR_LEASING, Last Payment Date XX/XX/XXXX, Date of First Delinquency XX/XX/XXXX, Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS, Contact : SOUND SCREENING SERVICES, I XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ( XXXX ) XXXX I looked up the LLC and it appears to be closed. While I did have a commercial lease with XXXX XXXX XXXX, these XXXX are not the same. The dates don't line up. The amounts don't make sense. In addition, I filed Chapter XXXX bankruptcy and this was discharged on XX/XX/XXXX at XXXXXXXX XXXX XXXX and filed on XX/XX/XXXX, Case Name : XXXX XXXX XXXX, Case Number : XXXX, Document Number : XXXX, Docket Text : Final Decree. Bankruptcy Case Closed ( XXXX. ), The following transaction was received from XXXX entered on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX and filed on XX/XX/XXXX, Case Name : XXXX XXXX XXXX, Case Number : XXXX, Document Number : XXXX, Docket Text : Order Discharging Chapter XXXX Debtor ( s ) ( Admin. ), I have good reason to believe that this is fraudulent activity. I tried to call XXXX XXXX but they did not answer. I have never received any notice of this debt either in writing, via e-mail or via phone call. 

I am aware that people can and do submit fraudulent debts to collections, sometimes even under the guise of a closed LLC and I believe this is what is happening here. 

It has only been reported to XXXX and I have disputed it, and does not reflect on my other XXXX credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation