vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
My information were involved in a breach and I would like this account removed asap under 15 u.s.c 1681 section 602A, and 15 u.s.c 1681 section 604A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for continuing to report an outdated and incorrect address on my credit report despite my submission of valid documentation proving my current address.

I submitted a dispute to Equifax to correct the inaccurate address. As part of my dispute, I uploaded a copy of a recent utility bill and my valid drivers licenseboth clearly showing my correct, current address. Despite this, Equifax responded stating that the old address is accurate and made no changes to the report.

This incorrect reporting is affecting my ability to secure credit and maintain accurate financial records. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate information and conduct reasonable investigations when consumers dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
My name is XXXX XXXX, and I have written to each of the credit reporting agencies advising that they have incorrect information on my credit report that must be changed, and they have not complied with my request. So, I am writing to see if the CFPB could step in and aid me in getting this corrected, before I hire an attorney to sue them. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some opened up fraudulent accounts in my name using that address. The address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX must be removed from my credit report and blocked. The following accounts were opened fraudulently at that address and must be removed and blocked under section 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The fraudulent accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX or be suited for section 1681n. Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
After obtaining a recent copy of my consumer report, I am requesting removal of accounts reporting to my credit file that were exclusively used for medical and medical related expenses. These accounts are not indicative of my credit worthiness, and under the medical debt consumer reporting framework, their inclusion is misleading and noncompliant with the Law. The Consumer Financial Protection Bureau 's Regulation V mandates that consumer reporting agencies ensure maximum possible accuracy and fairness in reporting. Also, Senate Bill 5480 ( Medical Debt Relief Act of 2022 ) also states that this debt should not be treated as an indicator of credit worthiness. The following accounts listed on my credit report were used for medical related expenses : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that these accounts be investigated and removed from my credit report. Please reinvestigate under your obligations set forth in the FCRA and CFPB regulations. Can you please provide written confirmation once the investigation is complete and these accounts are removed, Thank You for your time and attention to this matter. I look forward to your written response within the 30 day window established under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to have my credit report pulled by multiple different companies several times to acquire multiple things like : A home, Personal Loan, Auto Loan, exc. And the continue to report that my credit report can not be pulled due to a credit freeze or lock on my report. I have called each bureau and went online trying to resolve this issue. I have sent my information to update my profile via mail, yet there is still no resolve to this issue. Each customer representative has told me that they dont see a credit freeze on any of my consumer profiles. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
To : Goldman Sachs Bank USA XXXX Apple Card ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting on Account No. XXXX Dear Credit Reporting Department : I am writing to formally dispute inaccurate and misleading information reported on my credit file regarding my Apple Card account ( Account No. XXXX ). This account is shown as opened on XX/XX/XXXX, and closed in XX/XX/XXXX with a payment history indicating a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. This information is inaccurate and should be corrected or removed. 
I have already attempted to resolve this matter through an online dispute with Experian, but the issue remains unresolved. 
Grounds for Dispute : I never received notice of any missed or late payments prior to the alleged delinquency. 
My account history and statements do not reflect any payments that were 30 or 60 days past due.

I consistently made timely payments and was in good standing with the Apple Card account.

There may be reporting errors resulting from account closure or account servicing changes.

Action Requested : Pursuant to the Fair Credit Reporting Act ( FCRA ), I formally request that you : 1. Conduct a reinvestigation of this account and the disputed late payment entries ; 2. Provide documentation substantiating any alleged delinquencies ( e.g., billing statements, payment records, and notices sent ) ; 3. Remove or correct the 30- and 60-day late payment entries from my credit file with Experian and any other credit reporting agencies to whom you report.

If you can not substantiate the accuracy of the derogatory information, you are required to delete it from my credit reports. 
Enclosures : Copy of my government-issued ID Copy of my current utility bill to verify identity and address Copy of the Experian report showing the disputed entries Any relevant Apple Card statements or correspondence ( optional ) Please provide a written response confirming the results of your investigation within 30 days, as required under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CL Holdings LLC
State: FL

Complaint narrative:
i am disputing the accuracy and validity of the account reported by Jefferson Capital Systems on my credit report. This account allegedly originates from a debt charged off by XXXX, which took a tax deduction on the charge-off and subsequently sold the debt to Jefferson Capital for XXXX on the dollar. 
I have never conducted business with Jefferson Capital Systems, nor have I entered into any agreement with them. Furthermore, Jefferson Capital has failed to provide me with a legally required debt validation letter, including proof of my original signature or any documentation proving my obligation to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent to both TransUnion and Experian letters of dispute and in those disputes I specifically included XXXX forms of identity proof XXXX. Copy of my social security card and XXXX. A copy of my current California drivers license with my correct mailing address on it. I sent these XXXX forms of id. To prevent delays and yet still I received delay tactic computer generated letters denying my disputes I called and talk to both companies and told them both I still expect those disputes be processed and of not then I will be contacting any and all authorities including the CFPB I was more than shocked by both companies reactions as I could tell they were snickering as they told me thats up to you like it was nothing my time is valuable and those companies need to be let know they cant do this to people whom life they hold in Their hands especially because they waited XXXX days or more to send me the letters of refusal to investigate. I have rights and cone XXXX days from now as law states the XXXX days will be up and they must remove all the writefully disputed information that was in my original dispute unless they can send me the information that proves they have a right to report the information they cant just call these people who dont even check to the correctness of information and just report back they need to have stuff in my file to show proof please get back to me at the soonest available time thank you kindly. 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 2025-07-05 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: FL

Complaint narrative:
Urgent Request for Removal of Unauthorized Hard Inquiries from Credit Report To Whom It May Concern, TransUnion, Equifax & Experian credit bureaus I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple unrecognized and unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me and may constitute a violation of federal law and a breach of my consumer rights.

- I have identified one or more hard inquiries on my credit report that I did not authorize.

- These inquiries may have been made without a permissible purpose or valid consent. 
- I have contacted the credit reporting agency/agencies and the companies responsible for the inquiries, but the inquiries remain. 

Under the FCRA, the following provisions apply to this situation : - 15 U.S.C. 1681b ( a ) : Limits access to consumer reports to entities with a permissible purpose, such as a credit application initiated by the consumer.

- 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose.

- 15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to maintain procedures to avoid furnishing reports to unauthorized parties.

- 15 U.S.C. 1681e ( b ) : Mandates that agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information within 30 days of receiving notice.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted.

These unauthorized inquiries violate my rights under the FCRA and may also expose me to identity theft or fraud. 

I have attached : - A copy of my credit report showing the disputed hard inquiries. 

Sincerely, XXXXXXXX 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 2025-07-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I reviewed my credit report on [ insert date ] and found inaccurate and unauthorized information, including [ unauthorized hard inquiries, accounts, or collections ] that I did not initiate, approve, or recognize. I never gave written or verbal permission for these accounts/inquiries, which raises serious concerns about potential identity theft or data misuse. 

I contacted the company on [ insert date you contacted them ] and formally requested proof of permissible purpose, including a signed application, consent form, or any documentation proving I initiated the request, as required by the Fair Credit Reporting Act ( FCRA ). The company failed to provide the requested evidence or ignored my dispute altogether. 

According to FCRA Section 604 ( a ) ( 3 ), companies must have a valid and verifiable purpose to access or report on a consumers credit file. If they can not provide written authorization, the account or inquiry must be removed. I also submitted an FTC Identity Theft Report to support my claim. 

I am requesting that the CFPB enforce my rights under the FCRA and direct the company to permanently delete these inaccurate or unverifiable items from my credit report 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 explanation
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report on [ insert date ] and found inaccurate and unauthorized information, including [ unauthorized hard inquiries, accounts, or collections ] that I did not initiate, approve, or recognize. I never gave written or verbal permission for these accounts/inquiries, which raises serious concerns about potential identity theft or data misuse. 

I contacted the company on [ insert date you contacted them ] and formally requested proof of permissible purpose, including a signed application, consent form, or any documentation proving I initiated the request, as required by the Fair Credit Reporting Act ( FCRA ). The company failed to provide the requested evidence or ignored my dispute altogether. 

According to FCRA Section 604 ( a ) ( 3 ), companies must have a valid and verifiable purpose to access or report on a consumers credit file. If they can not provide written authorization, the account or inquiry must be removed. I also submitted an FTC Identity Theft Report to support my claim. 

I am requesting that the CFPB enforce my rights under the FCRA and direct the company to permanently delete these inaccurate or unverifiable items from my credit report immediately.

Company response to consumer: Closed with non-monetary relief