vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Im submitting this complaint against TransUnion, Equifax, Experian for failing to comply with federal laws governing the accuracy of consumer credit reports. I have evidence that they have violated the Fair Credit Reporting Act ( FCRA ) as follows : Background : On XX/XX/year>, I submitted a dispute regarding inaccurate information on my credit reports. I waited the legally required 35 days for their investigations and responds. 
TRANSUNION responded starting that my accounts had been updated. However, after comparing my credit reports after XXXX & XXXX, it shows no modifications made.

Laws Violated : According to 15 USX 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: RI

Complaint narrative:
Im submitting this complaint against TransUnion, Equifax, Experian for failing to comply with federal laws governing the accuracy of consumer credit reports. I have evidence that they have violated the Fair Credit Reporting Act ( FCRA ) as follows : Background : On XX/XX/year>, I submitted a dispute regarding inaccurate information on my credit reports. I waited the legally required 35 days for their investigations and responds. 
TRANSUNION responded starting that my accounts had been updated. However, after comparing my credit reports after XXXX & XXXX, it shows no modifications made.

Laws Violated : According to 15 USX 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> I was alerted by the credit bureaus that there were several hard inquiries into my credit. These were not authorized by me and a result of identity theft. A few weeks later, I received in the mail a letter from Comenity Capital Bank saying I was denied for an application for a credit card through Zales. I never applied for this credit card and it was a result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
To Whom It May Concern, This is a final written notice regarding a closed account inaccurately reported on my credit file. I have previously disputed the reporting of ELAN CACS CC, which was closed in XX/XX/2022. However, the account continues to reflect late payments well beyond its closure date, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Despite multiple disputes, you have failed to investigate or correct this false information. As mandated by the FCRA, credit reporting agencies must maintain accurate, fair, and verifiable data. Your continued reporting of this closed account as delinquent is a willful and negligent violation of federal law. 

This inaccurate reporting has caused me significant and documented financial harm. Over the last three years, I have experienced : Denials of credit and XXXX XXXX XXXX, Higher interest rates and insurance premiums, A depressed credit score that has affected both personal and professional opportunities, And emotional distress due to the persistent damage to my creditworthiness. 

As a result of these ongoing hardships, I am formally demanding financial compensation in the amount of {$15000.00} for : Statutory damages as permitted under FCRA, Actual damages stemming from financial loss and opportunity denial, And emotional damages related to the ongoing impact on my livelihood. 

I am also requesting : The immediate removal or correction of the ELAN CACS CC account from all three major credit bureaus ( XXXX XXXX XXXX XXXX ) ; A written confirmation of the changes and your intended response regarding compensation within 15 calendar days. 

Failure to respond within this time frame will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also proceed with legal action to seek damages under Sections 616 and 617 of the FCRA, including punitive damages and attorneys fees. 

This is your final opportunity to resolve this matter voluntarily and in good faith.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i looked at my credit report and noticed their were some unauthorized hard inquiries on my credit file. Please remove these inquiries as they are hurting my ability to obtain credit 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 2025-06-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: DE

Complaint narrative:
I am writing in follow-up to my formal dispute submitted on XX/XX/year>, regarding inaccurate and unverifiable derogatory items being reported on my credit file by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus are required to complete reinvestigations within 30 days of receipt of the dispute. While I understand companies may sometimes request additional time, the FCRA does not permit arbitrary 60-day delays unless new information is submitted which is not the case here.

I respectfully request : 1. Immediate escalation and resolution of my dispute within the 30-day statutory period, as all documentation and legal references were submitted on time.

2. Immediate deletion of any unverifiable or unsubstantiated accounts in accordance with 611 ( a ) ( 5 ) of the FCRA.

3. A full explanation of why the investigation has been delayed, including what specific information is allegedly still pending from the furnishers.

The continued reporting of these inaccurate items is materially impacting my financial stability, housing, and employment opportunities. The delay is causing irreparable harm and may constitute willful noncompliance under FCRA 616 and 617, which provide for consumer remedies in cases of negligent or intentional violations.

If I do not receive resolution within the required time, I am prepared to escalate through arbitration and/or pursue legal remedies as permitted under the law. 

Thank you for your prompt attention to this matter. I expect a timely and lawful resolution.

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 2025-06-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing in follow-up to my formal dispute submitted on XX/XX/year>, regarding inaccurate and unverifiable derogatory items being reported on my credit file by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus are required to complete reinvestigations within 30 days of receipt of the dispute. While I understand companies may sometimes request additional time, the FCRA does not permit arbitrary 60-day delays unless new information is submitted which is not the case here.

I respectfully request : 1. Immediate escalation and resolution of my dispute within the 30-day statutory period, as all documentation and legal references were submitted on time.

2. Immediate deletion of any unverifiable or unsubstantiated accounts in accordance with 611 ( a ) ( 5 ) of the FCRA.

3. A full explanation of why the investigation has been delayed, including what specific information is allegedly still pending from the furnishers.

The continued reporting of these inaccurate items is materially impacting my financial stability, housing, and employment opportunities. The delay is causing irreparable harm and may constitute willful noncompliance under FCRA 616 and 617, which provide for consumer remedies in cases of negligent or intentional violations.

If I do not receive resolution within the required time, I am prepared to escalate through arbitration and/or pursue legal remedies as permitted under the law. 

Thank you for your prompt attention to this matter. I expect a timely and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXX * Account Opened : XX/XX/XXXX Balance Owed : {$0.00} Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than XXXX  days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-06-19 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: OH

Complaint narrative:
Subject : Request for Full Disclosure of Consumer Report Information Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that XXXX XXXX, a part of Experian, has on me. I believe this information may assist in addressing concerns regarding this inquiry and ensuring my rights are protected. 

Specifically, I am requesting A complete copy of the full consumer report that XXXX XXXX, a part of Experian, has on me. 
Any additional details or documentation related to this inquiry that may assist in resolving this matter. 
I am seeking your assistance as the overseeing consumer agency to ensure that I receive all relevant information and that this issue is handled appropriately. Please let me know if additional documentation is needed to process my request. 

You may contact me at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] for further communication. Thank you for your attention and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/year> I am writing to formally dispute inaccurate information on my credit report. 

This dispute is submitted under the Fair Act Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Transunion/ XXXX  Dispute Department Reasoning Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To whom it may concern, I am writing to file a formal complaint against TransUnion and XXXX  for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. Over the course of my recent interactions with TransUnion and XXXX, I have noticed a pattern of what I believe to be a sham investigation. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not specifically address the concerns I raised specifically. TransUnion and XXXX  have responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in this response. The results of the disputes were issued in unreasonablely short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CF PB to take necessary enforcement action to hold TransUnion accountable for any violations uncovered during the investigation. While all disputed items need to be removed as soon as possible.

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 2025-06-19 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: TN

Complaint narrative:
I am disputing inaccurate account statuses reported by Equifax. Specifically, there are three accounts that are reporting charge-offs or delinquencies that do not align with my actual payment history : XXXX XXXX  ( Acct # XXXX ) This account is reported as a charge-off despite showing no late payments or delinquency history. I request this status be corrected or removed, as there is no documented default. 

XXXX XXXX ( Acct # XXXX ) This account is showing a 60-day delinquency in XX/XX/XXXX and a 120-day delinquency in XX/XX/XXXX, but I dispute the accuracy of these claims. My records do not reflect any missed payments for that time period. 

XXXX XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX  ) XXXX XXXX Equifax is reporting a {$9600.00} charge-off and a delinquency first reported in XX/XX/XXXX. I dispute this amount and the associated status as inaccurate and unsubstantiated. 

I filed disputes with Equifax and requested investigation and correction. These account statuses are materially harming my credit profile, and I am requesting the CFPB to ensure Equifax completes a full reinvestigation in compliance with FCRA 15 U.S. Code 1681i ( a ). 

I am requesting correction or deletion of any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation