vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate or outdated information on my credit report. After the investigation, certain negative items were successfully removed. However, despite these corrections, my credit score did not improve or reflect the changes appropriately.

The investigation process exceeded the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), and I was not notified of the status or results in a timely or adequate manner.

Additionally, I contacted the original creditors or debt collectors listed and requested debt validation. I did not receive verification of the debts within the legally required timeframe, yet the accounts remained on my credit reports during or after the dispute. 

There are still items on my reports that I do not recognize/ recognize and believe are not mine/ know are not mine. Despite providing documentation and following proper dispute procedures, these issues have not been fully addressed. 

There are still accounts listed that do not belong to me, and the continued presence of these unverified accounts is impacting my creditworthiness. As a direct result of the inaccurate credit reporting and score issues, I have been denied personal loans and was forced to accept less favorable terms on a vehicle lease. 

I am requesting that this matter be escalated, that all remaining unverified or incorrect items be removed, and that my credit score be properly updated to reflect these corrections. I also request a full explanation of why the score was not updated after inaccurate information was 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 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate or outdated information on my credit report. After the investigation, certain negative items were successfully removed. However, despite these corrections, my credit score did not improve or reflect the changes appropriately.

The investigation process exceeded the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), and I was not notified of the status or results in a timely or adequate manner.

Additionally, I contacted the original creditors or debt collectors listed and requested debt validation. I did not receive verification of the debts within the legally required timeframe, yet the accounts remained on my credit reports during or after the dispute. 

There are still items on my reports that I do not recognize/ recognize and believe are not mine/ know are not mine. Despite providing documentation and following proper dispute procedures, these issues have not been fully addressed. 

There are still accounts listed that do not belong to me, and the continued presence of these unverified accounts is impacting my creditworthiness. As a direct result of the inaccurate credit reporting and score issues, I have been denied personal loans and was forced to accept less favorable terms on a vehicle lease. 

I am requesting that this matter be escalated, that all remaining unverified or incorrect items be removed, and that my credit score be properly updated to reflect these corrections. I also request a full explanation of why the score was not updated after inaccurate information was 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been trying to fix this problem for a long time and they always have an excuse or I don't have the opportunity to see the credit report, I've been in this situation for years and the same situation continues in my report, nothing changes anything, one of the credit reports is fixed for two years that doesn't change every time I check, XXXX, I always have something new, that I didn't know, I don't know what to do anymore and I always try to disqualify my information more, I'm exhausted, I don't know what to do, please direct me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been trying to fix this problem for a long time and they always have an excuse or I don't have the opportunity to see the credit report, I've been in this situation for years and the same situation continues in my report, nothing changes anything, one of the credit reports is fixed for two years that doesn't change every time I check, Experian, I always have something new, that I didn't know, I don't know what to do anymore and I always try to disqualify my information more, I'm exhausted, I don't know what to do, please direct me Thank you

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 2025-05-29 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 : 1. XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. 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 2025-05-29 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: NJ

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 2025-05-29 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: AE

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within XXXX  days : 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 Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within XXXX  days : 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 Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-05-29 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Ive never done any type of businesses with this company. 
Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Update to Complaint # XXXX Legal Action Notification ( FCRA Violations ) This update is in direct response to TransUnions final handling of my open dispute. Despite receiving my detailed dispute both online and by mail along with multiple screenshots showing contradictory reports from XXXX and XX/XX/XXXX TransUnion completed their reinvestigation without correcting or deleting the false XXXX XXXX charge-off for {$8200.00}. 

The TransUnion report shows only one 30-day late payment, with no 60-, 90-, or 120-day delinquency, yet the account is listed as charged off which requires 120180 days of nonpayment. This false progression of default is a material misrepresentation and a violation of FCRA 1681e ( b ) and 1681i.

I am notifying the CFPB that I am now preparing to file legal action against TransUnion for the following violations of the Fair Credit Reporting Act : FCRA 1681e ( b ) : Reporting a charge-off without accurate or complete delinquency history FCRA 1681i : Failing to conduct a reasonable reinvestigation during the 30-day dispute window FCRA 1681i ( a ) ( 7 ) : Failing to provide the legally required method of verification during reinvestigation FCRA 1681c ( a ) ( 4 ) : Illegally re-aging the account the last payment was XX/XX/XXXX, yet the account was updated in XX/XX/XXXX with no new activity This charge-off caused my credit score to drop by over XXXX  points, blocked access to financial opportunities, and inflicted emotional and financial distress. TransUnion has had more than 30 days to comply with FCRA requirements and failed to do so.

I am demanding immediate and permanent deletion of this account from my TransUnion credit file. I will now proceed with legal action for statutory, actual, and punitive damages under FCRA 1681n and 1681o, and request immediate enforcement and investigation from the CFPB.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Subject : Formal Dispute of Unauthorized Credit Inquiries and Inaccurate Late Payments under FCRA To Whom It May Concern, I am writing to formally dispute multiple entries on my credit report issued by your bureau, as per my consumer rights under the Fair Credit Reporting Act ( FCRA ).

After a thorough review, I have identified the following issues : 1. Unauthorized or Unverifiable Credit Inquiries The following inquiries were not authorized by me, nor was I notified or provided permissible purpose as required under 15 U.S.C. 1681b : XXXX XXXXXXXX XXXXk XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX ) OneMain XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXXXXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries must be deleted unless you can provide documented proof of my authorization or the required permissible purpose under FCRA 604.

2. Disputed Late Payments and Derogatory Remarks I dispute the accuracy and reporting of the following accounts, which either contain incorrect late payments or were not properly validated. Pursuant to 15 U.S.C. 1681i ( a ), I request reinvestigation and removal : XXXX XXXX Marked with derogatory status and late payments ( XXXX XXXX XXXX ) XXXX XXXX Charged off, but shows Paid status ( XXXX XXXX XXXX ) XXXX XXXX ( Multiple Accounts ) Late payments not reflecting actual payment history ( XXXX : 2x 60-day, 44x 90-day late marks ) XXXX XXXX XXXXK Inconsistencies across bureaus in payment reporting and open account derogatory tags XXXX 30-day late mark , but marked Closed/Paid ( XXXX ) XXXX XXXX Payment status listed as Current but also has late markers DEPTED/XXXX Payments deferred but still reflects historical lates XXXX XXXX ( final card ) Reported closed due to inactivity ; contains late history without explanation I am requesting the following actions : Removal of all inaccurate or unverifiable late payments.

Del

etion or correction of derogatory marks inconsistent with account closure or payment status. Full reinvestigation under FCRA 611, with written results and updated credit rep
ort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
Misrepresenting payment options. Misleading information stating that they do not own the debt and can not negotiate lower than the amount the original creditor stated, when in fact they have complete ownership of the debt. Stating partial payment options are unavailable, though other representatives are stating that those options are available. Stating that once I decline a payment offer, it will increase and I will have to pay the full balance or face legal/credit consequences. I am unsure of what my true options are to settle this debt because all representatives and managers are misrepresenting those options and amounts. I am being told multiple amounts that I can pay to settle the debt and now told that the original owner of the debt placed stipulations that do not allow them to settle any less, though the original creditor declined having any ownership over the debt. I asked if they have ownership over the debt or if the original creditor assigned the debt to them and they would not let me know if they have 100 % ownership, which I am entitled to know the creditors on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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