vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX5 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I formally disputed this account with TransUnion, Experian, and Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite multiple attempts, no information or verification was ever provided, and the matter remains unresolved.

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 2025-11-21 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: VA

Complaint narrative:
Servicer : XXXX Account Number : XXXX Current Balance : {$24000.00} I am writing to formally dispute the inaccurate reporting of my student loan account listed above. My student loans, serviced by XXXX, are currently in an approved deferment status, meaning I am not required to make payments at this time. Despite this, my credit report is inaccurately showing the account as if I am failing to make required payments. 
This information is incorrect, misleading, and negatively affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. 
I am requesting the following actions : XXXX. Immediate investigation into the XXXX student loan account listed above. 
XXXX. Verification with XXXX confirming my approved deferment status. 
XXXX. Correction or removal of any inaccurate late payments, delinquency remarks, or negative notations associated with this deferred account. 
XXXX. Written confirmation once my credit profile has been updated. 
Attached is documentation showing that my student loans are currently in deferment. Please update my credit file accordingly.

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 2025-11-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's XXXX reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX U.S.C. XXXX ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at XXXX U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA XXXX. This XXXX be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-11-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nEquifax Information Services, LLC\nP.O. Box XXXX XXXX XXXX\nSubject: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity Theft\nVictim\nDear Equifax Consumer Services,\nI am following up on my previous request regarding the blocking and deletion of the\nfraudulent accounts and information related to my identity under the Fair Credit Reporting\nAct (FCRA), specifically pursuant to XXXX XXXX XXXX I am a victim of identity theft\nbecause of the Equifax data breach, and unauthorized accounts have been fraudulently\nopened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to\nprevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as\nan updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact\nme immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring\nmy credit report remains accurate and free from fraudulent activity.\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because Equifax is reporting several accounts and late payments that I believe are inaccurate or unverified. I have disputed these items directly with Equifax, but they remain on my report without proper validation. 

CHARGED-OFF / COLLECTION ACCOUNTS CCB/CARTERS Acct : XXXX Reported XX/XX/XXXX Balance : XXXX SEZZLE Acct : XXXX Reported XX/XX/XXXX Balance : XXXX I have not been provided any documentation showing these accounts are complete, accurate, or verifiable. 

LATE PAYMENTS Cap XXXX Auto Acct : XXXX DXXXX XXXX XXXX XXXX : XXXX and XXXX These late payments remain unverified and continue to report without supporting documentation. 

There are no inquiries in dispute with Equifax. 

I request that Equifax provide full validation of each disputed item or remove any information they can not verify according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TN

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 XXXX XXXX XXXX ( XXXX ). 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to address discrepancies on my credit reports across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau. 
XXXX XXXX Accounts : No charged-off accounts listed for TU. 

Inquiries : XXXX, Date : XX/XX/year> XXXX, Date : XX/XX/year> XXXX, Date : XX/XX/year> Late Payments : XXXX, Account Number : XXXX CAP XXXX AUTO, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX SXXXX, Account Number : 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 2025-11-21 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: LA

Complaint narrative:
I disputed several inaccurate accounts with Experian, including XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Experian verified these accounts multiple times using only the automated e-OSCAR system and refused to conduct a reasonable, independent reinvestigation as required under FCRA XXXX. 

Experian also refused to provide the Method of Verification, which is required under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). I specifically requested what documentation was used to verify each account, and Experian stated they only rely on e-OSCAR responses and do not conduct manual investigations. 

When I requested a supervisor-level reinvestigation, Experian refused and repeated that they could only use e-OSCAR. This means Experian relied solely on automated responses from the furnishers ( XXXX  XXXX, XXXX, and XXXX Data ) instead of reviewing actual documentation, which does NOT meet the FCRA requirement for a reasonable reinvestigation. 

Experian also attempted to push my dispute into an identity theft category even though this is not an identity theft issue. These are accuracy disputes, and the reporting contains inconsistent, incomplete, or unverifiable information. 

XXXX investigations did not fix the inaccuracies on my report, and they refused to escalate, refused to perform a manual reinvestigation, and refused to provide proper verification details for all three accounts. 

I am requesting CFPB assistance to ensure Experian conducts a proper, manual reinvestigation and removes any information for XXXX XXXX XXXX XXXX XXXX ), XXXX, and XXXX Data that can not be verified with actual documentation, as required 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 explanation
Consumer complaint received 2025-11-21 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: IA

Complaint narrative:
Ive had my credit frozen for a while now and today, XX/XX/XXXX I received an email that my credit file was unfrozen. I then logged into Experian and on that end it shows that it was frozen still. I also sent them in a dispute on XX/XX/XXXX and they have not done anything with that. I also uploaded it again to them today after I saw that email. 

( Transunion : they had a data breach and my Social Security number got compromised and Ive had nothing but issues. Regular agents would not help me so I emailed into the XXXX office. They got rude and told me not to email them after this. They said it was inappropriate. whats inappropriate is my Social Security number got compromised and now XXXX dealing with all of this. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IA

Complaint narrative:
Ive had my credit frozen for a while now and today, XX/XX/XXXX I received an email that my credit file was unfrozen. I then logged into Experian and on that end it shows that it was frozen still. I also sent them in a dispute on XX/XX/XXXX and they have not done anything with that. I also uploaded it again to them today after I saw that email. 

( Transunion : they had a data breach and my Social Security number got compromised and Ive had nothing but issues. Regular agents would not help me so I emailed into the XXXX office. They got rude and told me not to email them after this. They said it was inappropriate. whats inappropriate is my Social Security number got compromised and now XXXX dealing with all of this. )

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 2025-11-21 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: TX

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 XXXX XXXX XXXX ( XXXX ). 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 2025-11-21 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX XXXX  of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX EQUIFAX CONFIRMATION NO : XXXX XX/XX/year> Subject : Request to Remove Inaccurate Credit Information To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The late payment data being furnished does not meet XXXX XXXX accuracy thresholds and lacks verification per FCRA XXXX ( a ) ( XXXX ) ( B ). If XXXX can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This tradeline shows inconsistent data across credit bureaus and XXXX have been duplicated or misreported by another furnisher. The balance and account details do not match original lending records. Under FCRA XXXX ( a ) you are required to verify all data for accuracy and completeness. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This tradeline shows inconsistent data across credit bureaus and XXXX have been duplicated or misreported by another furnisher. The balance and account details do not match original lending records. Under FCRA XXXX ( a ) you are required to verify all data for accuracy and completeness. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This account has been paid before it went to the collection Please delete this immediately. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FC HoldCo LLC
State: NC

Complaint narrative:
I am disputing an unauthorized hard inquiry from Flagship Credit AcceptancXXXX that appeared on my credit report. I did not apply for credit with this company, nor did I give permission for them to access my credit file. Under the FCRA XXXX, a company must have permissible purpose before pulling a consumer report. 
Flagship Credit Acceptance did not have my authorization or a legitimate credit application from me. I request that this unauthorized inquiry be deleted immediately from my credit report across all bureaus.

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 2025-11-21 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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