vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been disputing the validity of the debt reported to the credit bureaus under the names XXXX XXXX XXXX XXXX, appearing on my credit reports. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, I demand the immediate removal of this account from all consumer reporting agencies and full validation of this alleged debt. I requested to Pursuant to 15 U.S. Code 1692g ( b ), I requested complete validation including, but not limited to : XXXX. A copy of the original lease agreement with my signature. XXXX. A complete itemized breakdown of all charges. XXXX. Proof of ownership or assignment of this alleged debt. XXXX. A copy of any judgments ( if applicable ). XXXX. Proof that you are licensed to collect in my state. 

They failed to provide this information within XXXX  days constitutes waiver of any claims and requires deletion from all credit reporting agencies. 

They continue reporting inaccurate or unverified information to credit reporting agencies, this constitutes a violation of : 15 U.S. Code 1681s-2 ( b ) ( duty to investigate disputes ) 15 U.S. Code 1681i ( a ) ( reinvestigation requirement ) FACTA Section XXXX ( accuracy and integrity of data furnished to XXXX ) Requested all communication must be in writing only, which was also failed to be provided.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: MA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have very little money. My Veterans pay goes into a XXXX XXXX ACCOUNT each month. I tried to order my weekly groceries on Friday XX/XX/XXXX, and the transaction would not complete saying the transaction was declined by XXXX XXXX, and but I have enough money to pay for my grocery order.. I called XXXX XXXX right away and was told that they could not give me a reason that my card was declined or locked. They also could not unlock the card to allow me to use it. I have called them several times each day and was told each time that they could not unlock my card. I provided them with all information that they requested and they still could not unlock my account. The app will not even allow me to change the password, or view my balance. I have no other means to buy food or pay for my shelter fees. This will cause me to be on the street.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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 2025-07-21 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: LA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of all accounts fraudulently opened in my name as listed on my Equifax credit report. I am a verified victim of identity theft and was directly impacted by the 2017 Equifax Data Breach, which compromised millions of consumers ' personal informationincluding mine.

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove all information relating to accounts and inquiries resulting from identity theft within four ( 4 ) business days of receiving this notice and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint regarding a late payment reported on my federal student loan, serviced by XXXX XXXX XXXX XXXX ( XXXX ). The late mark dropped my credit score by over XXXX points and has created serious financial hardship as I prepare for the birth of my child. 

My loan was in deferment for over five years. When the deferment ended, no notices were sent to my current mailing address or to my working email address. My family and I had moved, and XXXX continued sending communication to outdated contact information. After receiving no notices for years, we reasonably assumed the loan may have been forgiven or paused through a COVID-19 relief program, especially given the widespread coverage of federal student loan cancellations and extended deferments during that period. 

I did not know the loan had resumed until I saw the delinquency on my credit report. I immediately brought the account current and updated my contact information with XXXX. Prior to this, I had never missed a payment. 

I contacted XXXX multiple times to request a goodwill adjustment, not a dispute of accuracy, due to the unique and well-documented circumstances. I was told by a representative after asking her to clarify multiple times that XXXX is prohibited by Department of Education guidelines from making any goodwill adjustments, even in cases like mine. She confirmed this multiple times on the phone and refused to provide her last name when I asked for documentation. She told me to get it removed that I would have to file the formal complaint here. She also stated multiple times that the Department of Education PROHIBITS their ability to make any goodwill adjustments to credit reports. 

I requested a written version of XXXX position and was told it would be emailed to me within 10 days. As of this filing, I have not received it. 

To my knowledge, no federal law or regulation prohibits a data furnisher from requesting the removal of a derogatory mark due to extenuating circumstances. This appears to be a policy-level refusal or misinformation, and XXXX has not offered any path to escalate or resolve my situation. 

I am asking the CFPB to intervene and ensure this case is reviewed fairly. I am not asking for anything dishonest only that the circumstances be considered with compassion and fairness. This situation has caused extreme stress and financial harm at a critical time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint regarding a late payment reported on my federal student loan, serviced by XXXX XXXX XXXX XXXX ( XXXX ). The late mark dropped my credit score by over XXXX points and has created serious financial hardship as I prepare for the birth of my child. 

My loan was in deferment for over five years. When the deferment ended, no notices were sent to my current mailing address or to my working email address. My family and I had moved, and XXXX continued sending communication to outdated contact information. After receiving no notices for years, we reasonably assumed the loan may have been forgiven or paused through a COVID-19 relief program, especially given the widespread coverage of federal student loan cancellations and extended deferments during that period. 

I did not know the loan had resumed until I saw the delinquency on my credit report. I immediately brought the account current and updated my contact information with XXXX. Prior to this, I had never missed a payment. 

I contacted XXXX multiple times to request a goodwill adjustment, not a dispute of accuracy, due to the unique and well-documented circumstances. I was told by a representative after asking her to clarify multiple times that XXXX is prohibited by Department of Education guidelines from making any goodwill adjustments, even in cases like mine. She confirmed this multiple times on the phone and refused to provide her last name when I asked for documentation. She told me to get it removed that I would have to file the formal complaint here. She also stated multiple times that the Department of Education PROHIBITS their ability to make any goodwill adjustments to credit reports. 

I requested a written version of XXXX  position and was told it would be emailed to me within 10 days. As of this filing, I have not received it. 

To my knowledge, no federal law or regulation prohibits a data furnisher from requesting the removal of a derogatory mark due to extenuating circumstances. This appears to be a policy-level refusal or misinformation, and XXXX has not offered any path to escalate or resolve my situation. 

I am asking the CFPB to intervene and ensure this case is reviewed fairly. I am not asking for anything dishonest only that the circumstances be considered with compassion and fairness. This situation has caused extreme stress and financial harm at a critical time in my life.

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 2025-07-21 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Remove Identity Theft Items from Credit Report in Violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally lodge a complaint against Equifax, Experian, and TransUnion for their failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the timely blocking of information that results from identity theft.

I previously submitted valid documentation to each of the three nationwide credit reporting agencies, including : - A copy of my government-issued identification ; - Proof of my current mailing address ; - A properly completed Identity Theft Report as defined by the FCRA ; - A written statement identifying each fraudulent item and requesting their removal. 
Despite fulfilling all statutory requirements and providing timely documentation, the fraudulent and identity theft-related items continue to appear on my credit reports. According to FCRA Section 605B, the credit reporting agencies are legally required to block this information within four ( 4 ) business days. Your failure to do so is a direct violation of federal law. 
This noncompliance has caused the following harm to me : - Denial of credit and financial services ; - Increased interest rates on loans and credit cards ; - Emotional distress and mental anguish ; - Damage to my personal and financial reputation. 
I demand the immediate and permanent removal of all fraudulent items and inquiries, and request : 1. Written confirmation of the removal ; 2. Notification to any party that received my credit report within the last 12 months ; 3. A written explanation for the delay and noncompliance.

If not resolved immediately, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies under 15 U.S.C. 1681n and 16810.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Remove Identity Theft Items from Credit Report in Violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally lodge a complaint against Equifax, Experian, and TransUnion for their failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the timely blocking of information that results from identity theft.

I previously submitted valid documentation to each of the three nationwide credit reporting agencies, including : - A copy of my government-issued identification ; - Proof of my current mailing address ; - A properly completed Identity Theft Report as defined by the FCRA ; - A written statement identifying each fraudulent item and requesting their removal. 
Despite fulfilling all statutory requirements and providing timely documentation, the fraudulent and identity theft-related items continue to appear on my credit reports. According to FCRA Section 605B, the credit reporting agencies are legally required to block this information within four ( 4 ) business days. Your failure to do so is a direct violation of federal law. 
This noncompliance has caused the following harm to me : - Denial of credit and financial services ; - Increased interest rates on loans and credit cards ; - Emotional distress and mental anguish ; - Damage to my personal and financial reputation. 
I demand the immediate and permanent removal of all fraudulent items and inquiries, and request : 1. Written confirmation of the removal ; 2. Notification to any party that received my credit report within the last 12 months ; 3. A written explanation for the delay and noncompliance.

If not resolved immediately, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies under 15 U.S.C. 1681n and 16810.

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 2025-07-21 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
Account name : XXXX - XXXX Account number : XXXX I am writing to formally dispute the above-referenced account appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically * * Section 605B ( 15 USC 1681c-2 ) * *, I am requesting that you immediately block and delete any information related to this account that may be the result of identity theft, error, or inaccurate reporting.

Additionally, under * * FCRA Section 623 ( a ) ( 6 ) * *, data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I am exercising my rights under * * FCRA Section 611 * * to request an investigation and under * * Section 615 ( f ) * * to demand full disclosure of the procedure used in your verification process. In accordance with the Fair Credit Reporting Act, Account XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602a states that I have the right to privacy. 15 U.S.C. 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WI

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

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ONEMAIN - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX XXXX NA Date : XX/XX/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

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 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect sent a summary bill showing a single charge for {$1000.00} with no itemization or breakdown. This is not sufficient validation. I have requested the original itemized bill from the hospital, as I believe this amount is inaccurate. Until they can provide proper documentation of each charge, I request that this collection be removed from my credit report. By law, under the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX must provide : A detailed itemized breakdown of charges The original creditor 's billing records Proof that you owe the debt ( with accurate total and explanation ) They gave me a summary invoice, not an actual explanation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
I am requesting the Consumer Financial Protection Bureaus immediate intervention regarding multiple XXXX  ( XXXX XXXX XXXX  ) accounts that are being reported inaccurately and unlawfully on my credit reports with all three major bureaus. Despite my formal disputes and the submission of documentation, these accounts remain on file with falsified data, including incorrect balances on closed accounts, contradictory payment statuses, and fabricated late payment history after account closure. Furthermore, the bureaus and XXXX have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ), and have ignored my prior dispute history by omitting the mandatory Metro 2 Compliance Condition Code ( Field 43 ). Their actions constitute negligent and willful violations of the FCRA, and I have also filed a complaint with the FTC that has been blatantly disregarded. The reporting is damaging, inaccurate, and fraudulent in nature, and has materially harmed my credit standing.

Company response to consumer: Closed with explanation