vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request immediate correction and removal of inaccurate and potentially unlawful information appearing on my consumer credit report in relation to the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX I am requesting the deletion of all late payments reported under this account. The information reported is not accurate and violates my rights under the 15 U.S. Code 1681s-2 ( 2 ) ( xi ), which requires furnishers of information to correct and update information that is found to be inaccurate or incomplete. These reported late payments are damaging and do not reflect the true and lawful status of the account. I request that all derogatory information, specifically the late payments, be permanently removed from my credit file with all three credit reporting agencies immediately. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX This account is reported in violation of 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which governs communication with consumers by debt collectors. Due to these violations, I am requesting that this account be permanently deleted from my credit report across all three bureaus. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX Similarly, this account is being reported in violation of 15 U.S. Code 1692c. Based on these legal violations and the harm caused by inaccurate or unlawful reporting, I am requesting the immediate removal of this account from my consumer report. 

Please initiate an immediate investigation into these matters as required by the Fair Credit Reporting Act ( FCRA ), and notify me of the results. I request that you provide written confirmation once the inaccuracies have been corrected and the accounts have been removed or amended. 

Thank you for your attention to this matter. I expect timely and appropriate action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year>XXXX  SSN last 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 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist requested a copy of my flood insurance policy. It was emailed to them on XX/XX/year>. 
I received notification from them it is not correct when in fact the policy is sufficient. I go through this every year with them. You can look at my cfpb history and see how many years I have filed the same complaint. This is the only way I can get them to resolve the issue. 
They are threatening to force place insurance on my account and this is not acceptable. 
They are incompetent and force me to go through this painful process every year. Once they get the cfpb complaint I will get called and told my issue is resolved and it won't happen again. Next year I will be dealing with the same thing again. They should be fined for putting consumers through 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 2025-07-24 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 recently obtained a copy of my credit report and found several inaccuracies, as well as unauthorized accounts and information listed. These discrepancies have negatively impacted both my financial well being and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
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 2025-07-24 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: NY

Complaint narrative:
I am writing with absolute certainty and deep frustration regarding the numerous errors on my credit report. These inaccuracies have caused ongoing harm to my credit score and overall quality of life, preventing me from achieving financial stability and freedom. I can no longer overlook this issue.

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 2025-07-24 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: GA

Complaint narrative:
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. XXXX  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 XXXX  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 2025-07-24 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: GA

Complaint narrative:
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. XXXX  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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This complaint is not being submitted in error. My credit report contains inaccurate and unverifiable information that does not meet the legally mandated standard of maximum possible accuracy. These reporting errors are causing significant and ongoing harm to both my financial stability and personal well-being. 

This situation is unacceptable and places an undue burden on me during an already difficult time.

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 2025-07-24 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: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I believe this reported late payment is in error, given my history of timely payments. Please remove the entry and correct my credit 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 2025-07-24 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: MO

Complaint narrative:
Re : Formal Demand for Reinvestigation, Correction or Deletion of Inaccurate Information Pursuant to 15 U.S.C. 1681i et seq. ( FCRA 611 ) To Whom It May Concern : I write to formally demand immediate corrective action regarding multiple disputed entries on my Experian credit file that remain inaccurate, incomplete, or unverifiable despite my timely submission of supporting evidence. Your failure to conduct a reasonable reinvestigation, to forward consumerprovided documentation to furnishers, and to provide adequate notice of dispute outcomes constitutes a willful violation of the F

air Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. 1. Background & Legal Framework Pursuant to FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), upon receipt of a consumer dispute, a consumer reportin
g agency ( CRA ) must : conduct a reasonable reinvestigation of each disputed item ; forward all relevant information and documentation provided by the consumer to the furnisher ; and notify the consumer of the results of the reinvestigation and provide a free, updated copy of the credit report. 

Under FCRA 611 ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be deleted or permanently corrected within 30 days of receipt of the dispute. Further, FCRA 611 ( a ) ( 6 ) mandates written notice to the consumer of the outcome of any reinvestigation.

2. Deficiencies in Experians Dispute Process On XXXX, I timely submitted my dispute along with documentary proof of the inaccuracies in the following accounts : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX  Despite my compliance with all procedural requirements, Experian has : Failed to forward my documentation to the furnishers, in direct contravention of 1681i ( a ) ( 2 ) ; Failed to delete or correct unverifiable items within the statutorily mandated 30day period under 1681i ( a ) ( 5 ) ( A ) ; and Failed to provide me with written notice of the reinvestigation results or an updated credit report, in violation of 1681i ( a ) ( 6 ). 

Moreover, on XXXX, the Consumer Financial Protection Bureau filed suit against Experian , alleging systemic practices of sham investigations, refusal to furnish consumerprovided evidence, and inadequate consumer notifications. These allegations parallel my own experience and underscore a pattern of noncompliance.

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 2025-07-24 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: StellarFinance, Inc.
State: MO

Complaint narrative:
I do not have nor have I ever had an account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX 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 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
These unauthorized inquiries have no connection to me and may suggest fraudulent use of my information. I request your immediate response and have included documentation.

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 2025-07-24 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America informed me that we have to close my personal checking account. We have been customer for 35+ years. Bank of America is only providing generic reasons : Based on the activity in one or more of my account we are closing the account ( which activity are they talking about, we only have 5 to 6 transaction per month ), As part of our ongoing risk management process, we continually assess the overall risk profile of our client portfolio ( what risk are they talking about, my account balance is less than {$2000.00}. I want a specific reason why they are dropping us at client after 35+ years.

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