vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. Unauthorized Inquiries : 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 XXXXXX/XX/XXXX. Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the 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 2025-08-12 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: GA

Complaint narrative:
My credit report contains inquiries that I do not recognize. I never applied to these companies, nor did I give them permission to access my credit report. I take the violation of my consumer rights very seriously, and this intrusion is unacceptable, especially during an already stressful time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Figure Technologies, Inc
State: TX

Complaint narrative:
I was out of the country when Figure Lending LLC sent a notice of Placement of Flood Insurance on a new loan. When I returned I resolve the issue within the grace period given by purchasing Flood Insurance and I thought the issue was resolved. ( We have never had flood insurance on this house. It doesnt flood even in a XXXX  year flood which we had. ) My insurance company would not back date the insurance to the beginning of the loan, There is a two month gap between starting the loan and when we obtained flood insurance.

They are charging us double the price for two months of insurance for the lapsed period between XX/XX/year> - XX/XX/year>. There is no way that an insurance claim could be made on a back dated insurance so this is in essence a penalty that they are making money off of. Im having to pay for insurance that I cant get the benefit of.

I made three calls to resolve. On the last call I asked where I could file a complaint. They should not give me an answer so Im complaining here. I would like consideration for the over priced insurance of {$570.00} for 2 months of Flood insurance that I dont have the benefit of. This is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute # XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, 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  I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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

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 2025-08-12 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: CO

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-12 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: FL

Complaint narrative:
Subject : XXXX Inaccurate and Inconsistent Credit Reporting Across Bureaus Complaint : I am filing this complaint to report inaccurate, inconsistent, and misleading credit reporting by XXXX  regarding my account ending in XXXX. This account is paid and in good standing, yet conflicting and derogatory information is being reported across the credit bureaus. 

Facts and discrepancies from my credit reports : Account Status Experian : Closed XXXX XXXX Open XXXX  : Status data missing. 

Date Opened Experian : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX High Balance Reporting Experian : {$300.00} XXXX  : {$270.00} Status Experian : Negative XXXX XXXX  Positive Creditor Type Experian : Auto Financing XXXX  : Personal Loan Companies Date of Last Activity Experian : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Reporting Experian : Shows XXXX XXXX late in XX/XX/XXXX XXXX  : No late payments reported. 

Last Verified Date XXXX XXXX XXXXXX/XX/XXXX Experian & XXXX XXXX  Not listed. 

Comments Experian : Account was in dispute now resolved reported by subscriber TransUnion : Dispute resolved; reported by grantor Laws Violated FCRA ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) Failure to conduct a reasonable reinvestigation after a dispute.

1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate.

1681s-2 ( a ) ( 2 ) Duty to promptly update and correct information so that it is not misleading.

1681s-2 ( b ) Duty to investigate and correct after receiving notice of dispute from a CRA.

Regulation V ( 12 C.F.R. 1022 Furnisher Rule ) : 1022.42 ( b ) Duty to have reasonable written policies to ensure the accuracy and integrity of furnished data.

1022.43 Duties upon direct disputes, including correcting or deleting inaccurate information.

Harm caused : Conflicting account status ( Closed vs Open ) and mixed reporting of payment history create a misleading credit profile.

Inconsistent high balance, dates, and creditor type between bureaus indicate a lack of proper data management and verification.

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 2025-08-12 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: FL

Complaint narrative:
I am the victim of identity theft. By the time I discovered it, the thieves had opened like XXXX something accounts in my name. For the most part, I have been able to get this cleaned up. However, there is a collection agency that bought the debt of one of the creditors that had already been blocked off of my report and then TransUnion is not blocking an account with some back called XXXX. I have never heard of these XXXX  people. It is not my account. It is fraud. they keep saying it was verified as accurate. They are playing stupid. I did not say it was someone else 's account,. I said someone pretended to be me. OBVIOUSLY the account is in my name They are breaking the law and it is causing me harm. my wife has spent XXXX  of hours dealing with this and it is a bunch of nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 am the victim of identity theft. By the time I discovered it, the thieves had opened like XXXX something accounts in my name. For the most part, I have been able to get this cleaned up. However, there is a collection agency that bought the debt of one of the creditors that had already been blocked off of my report and then TransUnion is not blocking an account with some back called XXXX. I have never heard of these XXXX  people. It is not my account. It is fraud. they keep saying it was verified as accurate. They are playing stupid. I did not say it was someone else 's account,. I said someone pretended to be me. OBVIOUSLY the account is in my name They are breaking the law and it is causing me harm. my wife has spent XXXX  of hours dealing with this and it is a bunch of nonsense.

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 2025-08-12 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-08-12 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:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Failure to Delete Improperly Reported XXXX XXXX Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian, Equifax, & TransUnion for failing to remove an improperly reported child support judgment from my credit report. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX Credit Bureau Involved : Experian, TransUnion, Equifax According to XXXX U.S.C. XXXX ( b ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( XXXX ), XXXX XXXX judgments are NOT CREDIT TRANSACTIONS and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement. 
I first contacted Experian, Equifax, TransUnion on [ XX/XX/year> ] and formally requested deletion of the accounts. They have failed to comply within the required timeframe or provide valid justification for reporting this accounts. This is a clear violation of federal law and is negatively impacting my credit profile. 
Resolution Sought XXXX. Immediate deletion of this account from my credit report. 
XXXX. Written confirmation of its removal. 
XXXX. A formal investigation into XXXX Equifax TransUnion noncompliance with FCRA regulations. 
Please take swift action to enforce compliance. 
Sincerely, 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 2025-08-12 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: CA

Complaint narrative:
Subject : Failure to Delete Improperly Reported XXXX XXXX Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian, Equifax, & TransUnion for failing to remove an improperly reported child support judgment from my credit report. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX Credit Bureau Involved : Experian, TransUnion, Equifax According to XXXX U.S.C. XXXX ( b ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( XXXX ), XXXX XXXX judgments are NOT CREDIT TRANSACTIONS and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement. 
I first contacted Experian, Equifax, TransUnion on [ XX/XX/year> ] and formally requested deletion of the accounts. They have failed to comply within the required timeframe or provide valid justification for reporting this accounts. This is a clear violation of federal law and is negatively impacting my credit profile. 
Resolution Sought XXXX. Immediate deletion of this account from my credit report. 
XXXX. Written confirmation of its removal. 
XXXX. A formal investigation into XXXX Equifax TransUnion noncompliance with FCRA regulations. 
Please take swift action to enforce compliance. 
Sincerely, 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