vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$940.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$1300.00} - Date Opened : XX/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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XX/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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
My mortgage is with Southstate bank. I missed a payment earlier in the year. I called prior to make arrangements. The person I spoke with said they couldn't make arrangements and there would be a late fee. I've been trying to catch up payment by paying {$100.00} and {$200.00} extra each monthto catch it up. I tried to make a payment for XXXX on their website. The option to make a standard payment was gone saying nothing was due. I was still able to make a payment through the auto pay option. I returned a email to XXXX XXXX 0n XX/XX/year> explaining the problem with the website and giving updated information on how to contact me. I still haven't heard back. I received a check with my payment returned. The only statement on the check said collections. I've had problems with this mortgage company before. I think they are trying to force a foreclosure. I haven't missed any consecutive payments. I've attached a copy of my payment history. I haven't been able to communicate with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to formally dispute multiple items on my credit report that I believe are inaccurate, incomplete, or unverifiable. I am requesting a full reinvestigation of each item under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 1681i ). If any of the items listed below can not be verified as accurate, complete, and current, I request that they be deleted immediately in accordance with federal law. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$450.00} Date XXXX Date XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section 605B ( U.S.C 1681c-2 ). As someone who has been affected by identity theft and XXXX  data breach. I have the right to request that any fraudulent information be removed from my credit report. The fraudulent accounts

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am really upset to see that these inaccurate accounts are still appearing on my credit report, even after everything Ive done. They were not taken off, and its honestly very stressful. Please, I need you to carefully go through the documents I attached so I can finally stop worrying about this nightmare.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of Anerica two accounts Last Payment Date XXXX XXXX, XXXXAccounts are paid and closed. The two credit cards associated with this accounts have been blocked and I am not able to use them.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have discovered public records associated with my credit report that I do not recognize, which is deeply concerning. I urgently request the removal of these entries, as they are causing me significant XXXX  and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending to dispute a series of inaccurate address, charge-off, collection, and inquiries entries currently appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending to dispute a series of inaccurate address, charge-off, collection, and inquiries entries currently appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I HAVE HAD XXXX XXXX XXXX ACCOUNTS IN THE LAST 15 YEARS AND I HAVE NEVER NEVER NEVER BEEN LATE ON ONE SINGLE PAYMENT!!

AS PROOF - REGARDLESS OF MY CREDIT SCORE - XXXX HAS ALWAYS ALLOWED ME TO LEASE- WHICH USUALLY REQUIRES IMPECCABLE SCORES BUT BECAUSE OF MY PAYMENT HISTORY - XXXX HAS NEVER NOT ALLOWED MY LEASE TO NOT BE APPROVED!

I HATE LIARS!!

THE CREDIT BUREAU IS NOT REPORTING THE CORRECT INFORMATION!!

THIS NEEDS TO BE A CLASS ACTION LAWSUIT!!

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a complete Section 605B Identity Theft Package to Experian via Certified Mail Return Receipt Requested on XX/XX/year>. 
The submission included my FTC Identity Theft Report ( # XXXX ), a written 605B deletion request, and copies of my government-issued identification and Social Security card . 

Despite fulfilling every statutory requirement under 15 U.S.C. 1681c-2 ( a ), Experian : Failed to respond to my certified dispute, Did not return the green card receipt, and Has not provided written confirmation that the fraudulent information was blocked or removed. 

This represents a clear pattern of noncompliance with FCRA 605B, 611, and related provisions.

Violations Cited FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent information within four business days after receipt of valid documentation.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days of a written dispute.

FCRA 611 ( a ) ( 5 ) Failure to provide written results and an updated credit file.

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) Continuing to report fraudulent or inaccurate data after notification.

FCRA 1681b Unlawful access or furnishing of consumer data without permissible purpose during the dispute period.

FCRA 1681n1681o Establishes civil liability for willful and negligent noncompliance. 

California Civil Code 1785.16.1 Failure to block fraudulent information within four business days after receipt of a valid identity theft report and proof of identity. 

Additional Concerns Experians reliance on Metro 2 or E-OSCAR automated systems does not satisfy the FCRA requirement for a manual reinvestigation supported by documentation. 

All consumer reporting agencies have active security freezes, meaning Experian can not rely on inter-bureau verification to meet its obligations. 

Experian has failed to notify furnishers that the information in question stems from identity theft and must be blocked.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I asked Capital One to dispute a purchase in which the company ghosted me regarding a refund according to their own refund policy. Bank failed to dispute

twice leading to inaccessible credit utilization, fees, interest rates from this failed dispute. Theres laws regarding refund policies, which should have made my dispute valid, the bank didn't even contact me regarding it and never responded to my letter. And I know 100 % that dispute shouldve worked and it wouldnt have factored into inaccurate credit reports, late fees and interest rates from a failed dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted complaint # XXXX. The company incorrectly stated I am not the customer. I am the individual consumer listed on the credit report in question, and I am requesting reinvestigation under the FCRA 611 and 623.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this letter to a XXXX follow up on my previous dispute regarding several accounts that continue to appear on my credit report, despite being inaccurate, unverifiable, and unlawfully reported. I am formally requesting the permanent removal of these itemsnot correctionin accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these accounts is causing ongoing harm to my creditworthiness and violates federal law requiring fair and accurate reporting.XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} * * This account was reported as late despite being closed and paid. This information is inaccurate and can not be verified under : FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Additionally, this reporting may involve identity-related or fraudulent activity under 605B / 15 U.S.C. 1681c-2. I request the permanent removal of this account from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} * * Listed as charged off, yet no valid documentation verifies the legitimacy of this report. Under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), unverifiable or incomplete information must be deleted. Section 605B / 15 U.S.C. 1681c-2 further protects against fraudulent or erroneous reporting. I demand the deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} * * This account is inaccurately listed as charged off. The absence of a 1099-C form for a debt exceeding {$600.00} raises concerns regarding the accuracy and legal validity of the reported balance. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], the bureau must ensure maximum possible accuracy. As this account can not be verified, I am requesting its full removal. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} * and XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} * * These collection accounts are being reported without sufficient validation from the debt collectors, violating : FDCPA 809 15 U.S.C. 1692g FDCPA 807 15 U.S.C. 1692e Their continued presence also violates 605B / 15 U.S.C. 1681c-2 due to unverifiable and misleading reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate address information appearing on my Experian and Equifax consumer files and to request that my files be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me includes XXXXXXXX XXXX XXXX XXXX AL XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, AL XXXX ; and XXXX XXXX XXXX, XXXX, AL XXXX. These addresses are not my current or prior residences to my knowledge and are causing confusion. 

The correct address to be added and updated on my consumer files is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected.

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