vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-31 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: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I have recently reviewed my credit report. I was shocked to find the information being reported is incomplete and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
Loan History Summary XXXX XXXX Borrower : XXXX XXXX Loan Origination Date : XX/XX/XXXX Final Payoff Date : XX/XX/XXXX I am submitting the following documentation and summary to dispute the inaccurate credit reporting of my loan with XXXX XXXX. The loan is currently reported as opened and closed due to refinance in XXXX by XXXX  and Equifax, and it is not reported at all by XXXX. This is factually incorrect and harmful to my credit score. 


The following timeline reflects that the loan originated in XXXX, was refinanced later that year for a higher balance, and remained open and in good standing until it was paid in full on XX/XX/XXXX. I am requesting correction of the reporting to reflect this accurate payment history. 

Documentation ( Chronological Order ) : XX/XX/XXXXXXXX  Appointment Confirmation Email Email from XXXX  confirming an appointment to finalize the loan at XXXX XXXX 

XX/XX/XXXX Statement Showing Refinance Reflects original loan balance and refinancing with additional funds. 

XXXX XXXX XXXX Year-End Statement Shows total loan balance of {$27000.00} at end of XXXX. 

XXXX XXXX XXXX Monthly Statement Payment of {$460.00} received. 

XXXX XXXX XXXX Year-End Statement Reflects continuing payment activity with balance of {$22000.00}. 

XXXX XXXX XXXX Year-End Statement Payment of {$460.00} received ; balance : {$17000.00}. 

XX/XX/XXXX Loan Modification Statement Monthly payment adjusted to {$230.00} ; balance : {$13000.00}. 

XX/XX/XXXX Final Settlement Statement Shows agreement and acceptance of a {$6000.00} final payoff. 



Prior Attempts to Resolve : XX/XX/XXXX : I faxed a formal written request to XXXX XXXX asking that they re-report my loan information accurately to the credit bureaus. I received no response. I mailed formal written request as well. 
XX/XX/XXXX : I called XXXX credit dispute department and spoke to a representative named XXXX. She acknowledged the issue and told me she would investigate and call me back. 
XX/XX/XXXX : XXXX returned my call and informed me that XXXX refuses to update the tradeline or correct the information reported to XXXX, Equifax, and XXXX  despite being shown clear proof that the loan remained active through XXXX. I was told they do not reissue loan information, even in cases where the current data is incorrect. I stressed to XXXX this was effecting my credit score negatively. 




My Request : This account should reflect : Open date : XXXX  Status : Closed Paid in Full Final payment date : XX/XX/XXXXXXXX  Consistent monthly payments through the loans full term This information is critical to accurately reflect my creditworthiness and history of on-time installment payments. I am asking that all three bureaus and XXXX correct this misinformation without further delay. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Fraudulent Adverse Actions Fraudulent Credit Reporting They use action to my report without providing notice of dispute violated FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. & 1681s-27 ( a ) ( 3 ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: OR

Complaint narrative:
Fraudulent Adverse Actions Fraudulent Credit Reporting They use action to my report without providing notice of dispute violated FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. & 1681s-27 ( a ) ( 3 ) ]

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 2025-07-31 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:
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 trafficking according to XXXX-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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX. 
XXXX XXXX SC XXXX XXXX I am responding to your contact about a debt you are trying to collect. You contacted me by Bad debt affecting my creditscore, on XXXX identified the debt as loan information they gave you about the debt ]. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them, I expect this item to be deleted from my credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IA

Complaint narrative:
Since XX/XX/year>, I have been denied access to my full credit file on XXXX website. When attempting to view my 3-bureau report, the site displays this error message : Sorry, we can't show you today 's 3-bureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

I have attempted to verify my information and access my records numerous times without resolution.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681g ( a ) ( 1 ) I have the right to receive a complete and accurate copy of the information in my consumer file at Experian.

15 U.S.C. 1681e ( b ) Experian is required to follow reasonable procedures to assure maximum possible accuracy. If my file has been mismerged, deleted, or suppressed, this is a compliance failure.

15 U.S.C. 1681i If data has been deleted, altered, or disputed, Experian is obligated to reinvestigate and notify me of the results in writing.

At no point have I received written instructions on how to verify my identity by mail or obtain my full file. This ongoing obstruction is preventing me from reviewing my report for accuracy, submitting disputes, or confirming that previous errors have been corrected. 

Relevant Background : I am actively disputing a fraudulent and misreported collection/charge-off account that has been verified without proper investigation. This denial of access may be intentional due to those ongoing disputes and should be treated as a potential retaliatory suppression of my consumer 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 explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
To Whom It May Concern, This letter serves as a final and formal demand for the immediate removal and permanent blocking of the following fraudulent accounts listed on my credit report. These accounts were either fraudulently opened, do not belong to me, or were the result of identity theft, and I demand their deletion and blocking under FCRA 605B, 611, UCC 1-308, and the Fair Debt Collection Practices Act ( FDCPA ).

This is my final legal notice and demand for the immediate removal AND permanent blocking of the following unauthorized, inaccurate, and fraudulent hard inquiries appearing on my credit report.

These entries were made without my knowledge, consent, or any verifiable permissible purpose under 15 U.S.C. 1681b ( FCRA ), and they must be removed and permanently suppressed from future access or reporting.

Under FCRA 604, 611, 616, 617, UCC 1-308, and 15 U.S.C. 6801-6809 ( GLBA ), I hereby demand the removal and blocking of the following inquiries :

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 2025-07-31 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: LA

Complaint narrative:
To Whom It May Concern, This letter serves as a final and formal demand for the immediate removal and permanent blocking of the following fraudulent accounts listed on my credit report. These accounts were either fraudulently opened, do not belong to me, or were the result of identity theft, and I demand their deletion and blocking under FCRA 605B, 611, UCC 1-308, and the Fair Debt Collection Practices Act ( FDCPA ).

This is my final legal notice and demand for the immediate removal AND permanent blocking of the following unauthorized, inaccurate, and fraudulent hard inquiries appearing on my credit report.

These entries were made without my knowledge, consent, or any verifiable permissible purpose under 15 U.S.C. 1681b ( FCRA ), and they must be removed and permanently suppressed from future access or reporting.

Under FCRA 604, 611, 616, 617, UCC 1-308, and 15 U.S.C. 6801-6809 ( GLBA ), I hereby demand the removal and blocking of the following inquiries :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I AM CONSTANTLY EMAILED AND CALLED ABOUT A DEBT THAT I DO NOT HAVE KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

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 2025-07-31 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: OH

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 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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was approved for a car loan for {$10000.00}. I called BOA XXXX separate times and spoke to XXXX different loan officers to confirm that the car I wanted was within their threshold and was assured that it qualified. I gave the VIN number to XXXX who told me that the car exceeded the value threshold and further explained that all I need to do is hand the loan acceptance form to the Finance Manager and I would be all set in terms of the loan. I called again to confirm this and the loan officer to whom I spoke also assured me that the car I selected was within their minimum threshold.

After taking an entire day to travel three hours to purchase the vehicle, I was told by the dealership that BOA can no longer honor the loan because the value of the car is {$5900.00}. I called BOA and spoke to yet another loan officer who kept me on hold for an extended period only to come back and tell me yes, you can not buy that car using our loan because it is {$100.00} below our minimum threshold. I insisted on speaking with a manager and was told one would contact me the following Monday. I spoke to the Manager who insisted that " the system '' won't allow an exception even for $ XXXX explained that this is not an acceptable response, and I was later contacted by the VP of Auto Loans for BOA. After explaining my situation, their solution to their staff 's incompetence is that " their system won't let them make an exception '' and I should try another lender. 

My day was wasted, the car I wanted is no longer available, and I was humiliated at the dealership.

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 2025-07-31 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: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation