vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-09-10 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: FL

Complaint narrative:
I am writing to follow up my dispute on the accuracy and continued reporting of charged-off accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. I am also referencing the Federal Trade Commission ( FTC ) guidance on consumer rights under the FCRA. 
Please investigate the following accounts and verify their accuracy, including whether they were reported in compliance with federal guidelines : XXXX OF XXXX XXXX * * * * {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX * * * * {$2300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * * * {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX * * * * {$1400.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX OF XXXX XXXX * * * * {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXXXXXX * * * * {$2300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX CCB/BRDPYIL BABQQN * * * * {$1400.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX * * * * {$1400.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I recieved a text message XX/XX/year> and I responded with Validate this debt in writing including the original agreement, full payment history & chain of custody or cease all collection efforts. 
They never did any of such and have continued to call me and harass me. They call from a local area code number and simply hang up when you answer. They do not state who they are. I only know it's them as when I call the number back if I have missed a call it tells me it's XXXX and they have told me they are working for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
transunion, experian and equifax are reporting something on my credit report without legal authorization.

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 2025-09-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
transunion, experian and equifax are reporting something on my credit report without legal authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Application ID : XXXX I applied for a CITI credit card XX/XX/XXXX and got denied. Regardless of the reasons for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. Being that I am of " AGE '' who came forth in good faith with the capacity to contract and was later rejected also violates the XXXX. This rejection causes harm to the principal/estate, which damages the principal 's reputation with respect to any aspect of a credit transaction. My consumer rights have been violated according to the Consumer Credit Protection Act 1968.

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 2025-09-10 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: IL

Complaint narrative:
I am submitting this dispute because unauthorized and inaccurate accounts are being reported on my credit file. I did not open or approve these accounts, nor was I notified of their addition. To make matters worse, the information is being reported inconsistently across the three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to maintain maximum possible accuracy. 

This also breaches 15 U.S.C. 1681i, which mandates that disputed information be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which gives me the right to accurate and complete file disclosures. 

I have enclosed documents verifying my identity and demonstrating that these accounts are both inaccurate and unauthorized.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  XXXX account ending XXXX reported as a {$500.00} charge-off. Under FCRA Experian lists Status Updated XX/XX/year> while TransUnion shows different dates and balances.

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 2025-09-10 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
XXXX XXXX, Acct # XXXX, is reporting inaccurate late payments on my credit. Under Metro 2 compliance and applicable consumer laws, these late payments must be deleted.

This is supported under the FCRA ( Fair Credit Reporting Act ), the CFPBs enforcement authority, and Metro 2 compliance standards, which require accurate information to be reported.

This has caused a lot of issues and has prevented me for getting things and need for my family.

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 2025-09-10 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: OH

Complaint narrative:
I am submitting this complaint regarding the improper reinsertion of an account on my credit report that had previously been deleted following a dispute. 

In XX/XX/year>, I filed a formal dispute with Experian regarding an account reported by XXXX, account number : XXXX. After reviewing my dispute, the credit bureau removed the account from my credit report on or around XX/XX/year>, acknowledging that the information could not be verified or was inaccurate. 

However, I discovered that the same account had been reinserted on my credit file without any notice or explanation. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ), if a credit reporting agency reinserts previously deleted information, they are required to notify the consumer in writing within XXXX business days and confirm that the furnisher certified the accuracy of the information. 

I never received any such notice, certification, or supporting documentation from the credit bureau regarding the reinsertion. This is a direct violation of federal law. Additionally, the reinserted account contains the same unverifiable and inaccurate information I originally disputed. 

I have documentation of my original dispute, the deletion, and a screenshot of my updated credit report showing the reinsertion. I have not been given any justification or written notice for this reinsertion, as required by 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are late payment entries on my report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed inaccurate information being reported by XXXX XXXX, XXXX XXXX, and XXXX XXXX  that appeared on my Experian consumer report. The disputed items included addresses and account information that do not belong to me and/or are being reported inaccurately. Pursuant to 1681i ( a ) ( 1 ) ( A ), Experian was required to conduct a reasonable reinvestigation to determine whether the disputed information was accurate and to record the current status or delete the item within 30 days. 

Experian failed to conduct a lawful reinvestigation. Instead, Experian simply parroted information from the furnishers ( XXXX  XXXX, XXXX XXXX, and XXXX XXXX  ) without conducting any independent verification or providing me with the results of a reasonable investigation as required by law. This verification was based on automated responses from furnishers, not an actual review of evidence. 

Additionally, Experian failed to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information, as required under 1681i ( a ) ( 6 ) ( B ) ( iii ). The reinvestigation results were incomplete, misleading, and failed to correct information that is patently inaccurate. 

As a result of Experians failure to comply with the FCRA, inaccurate and damaging information remains on my credit report. This ongoing violation has caused harm to my creditworthiness, subjected me to higher costs of credit, and adversely affected my financial standing

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-10 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:
These incorrect entries must be eliminated within 15 days, as mandated by USC 1681g.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief