vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts. 
2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of XXXX XXXX and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach..

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 2025-05-06 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of XXXX XXXX and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach..

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 2025-05-06 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: TX

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. 

XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Furthermore, any information determined to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, federal law mandates the immediate removal of the item from my credit report.

I have submitted a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I formally request that you take prompt action to delete or block the disputed items to prevent further escalation. 

Should you fail to verify the item in accordance with the FCRA and continue to report it, I will be left with no alternative but to pursue legal remedies. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is enclosed for your reference.

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 2025-05-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Validation Method of Account Under FCRA Section 611 ( 1681i ) RE XXXX XXXX XXXX XXXX Dear Equifax Consumer Services, I formally request documentation and an explanation of the actual method of validation used by the furnisher in verifying the account identified as [ Insert Account Number or Name of Account ] on my credit report. I believe this account to be fraudulent, and I have serious concerns about its legitimacy.

Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, I demand that Equifax provide me with the following : The exact validation method used by the furnisher to substantiate the accuracy of this account.

Any documentation or evidence provided by the furnisher that supports the legitimacy of this account, including original applications, contracts, or other supporting records.

Any communication or documentation received from the furnisher confirming the accounts accuracy and validating it as an authentic debt.

Under the FCRA, as a consumer, I am entitled to a clear explanation of how the accuracy of information reported about me is confirmed. The information about this account is incorrect, and unless Equifax can provide sufficient proof of its legitimacy, I demand that this account be immediately removed from my credit report.

Please provide a full response and supporting documentation within 30 days as required by the FCRA. If this account can not be validated, I expect it to be removed without delay.

Failure to respond in a timely manner or provide the requested evidence will compel me to take further action to ensure my rights under the FCRA are fully enforced.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Credit Reporting Agencies not reporting 100 % on my personal information they have incorrect information. Bankruptcy is also reporting to my credit report even though 11 U.S.C. 107 ; XXXX. XXXX XXXX. XXXX XXXX, XXXX. The bankruptcy court does not report or provide information to any consumer reporting agencies.

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 2025-05-06 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:
Credit Reporting Agencies not reporting 100 % on my personal information they have incorrect information. Bankruptcy is also reporting to my credit report even though 11 U.S.C. 107 ; XXXX. XXXX XXXX. XXXX XXXX, XXXX. The bankruptcy court does not report or provide information to any consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
Ticket # XXXX XX/XX/year> I tried to transfer funds from my XXXX Checking Account to my XXXX  XXXX account. 

On XX/XX/year> I sent a {$10.00} test because this was the first time that I had ever used the Gemini application. The {$10.00} transaction was settled successfully. 

The next transaction I entered was on XX/XX/year> for {$2600.00} which was also processed and settled successfully. 

Then I attempted to process another transaction for {$1000.00} on XX/XX/year> which was declined by my XXXX bank because of unauthorized transactions that occurred in my XXXX account not related to Gemini. 

I opened a new XXXX account but did not realize that would affect Gemini but the {$1000.00} that was declined for Gemini caused them to freeze my entire account. My entire Gemini account now has been frozen and I can not send the {$2600.00} transfer on to my daughter even though the funds were completely transferred from XXXX to Gemini and the funds were settled satisfactorily in Gemini. 

Gemini froze my entire account blocking me from getting to the {$2600.00} funds already settled in Gemini. This freeze took place on XX/XX/year>. Since then I have been sending tickets to Gemini support to unfreeze my account so I could send the money on to my daughter that was already processed successfully by Gemini. I have done everything that Gemini has requested by sending photo verifications as they have asked and have communicated back and forth with them on a daily basis sometimes multiple times a day. They just keep sending automated responses but no one ever actually looks at the problem and unfreezes the account so that I can get to the {$2600.00} that is sitting there already settled in Gemini. The ticket number is # XXXX. They are holding my funds locked and I can not send them on to my daughter. 

Can someone in your organization help me get Gemini to unfreeze my account so I can get the funds to my daughter? 

Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-05-06 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: NV

Complaint narrative:
As of XXXX XXXX XXXX the misreporting by XXXX XXXX, ACCT # XXXX in the amount of {$740.00} has been deleted from my XXXX  Credit Report and I demand that it now be deleted from my Transunion and Equifax reports as well!

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 2025-05-06 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-05-06 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: TX

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for reporting inaccurate child support information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), the Code of Federal Regulations ( CFR ), and Texas state law.

The reported entry shows late or delinquent child support payments that never occurred. The late payments began to show on my consumer file in XXXX of XXXX and I first found out and wrote to dispute this information with all 3 bureaus in XXXX. I have provided documentation showing my payments were made on time. Additionally, I contacted the Texas Office of the Attorney General ( OAG ) the alleged furnisher and they either denied reporting the data or could not validate it.

Despite this, the credit reporting agencies verified the inaccurate information, failed to conduct a proper reinvestigation, and continued to report false information. I was never given proper notice before the negative information was reported, as required under FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and 12 C.F.R. 1022.43.

I also cited the DOJ/OCSE XXXX Dear Colleague Letter, which cautions child support agencies about procedural fairness in enforcement and reporting actions.

The errors have harmed my creditworthiness, cost me access to credit, and caused significant emotional distress. Ive submitted disputes and followed all procedures, yet the inaccurate data persists.

I am giving these companies one final opportunity to correct the record before I initiate arbitration. Ive attached a detailed Final Notice letter outlining all applicable violations, legal citations, and remedies demanded.

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 2025-05-06 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: TX

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for reporting inaccurate child support information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), the Code of Federal Regulations ( CFR ), and Texas state law.

The reported entry shows late or delinquent child support payments that never occurred. The late payments began to show on my consumer file in XXXX of XXXX and I first found out and wrote to dispute this information with all 3 bureaus in XXXX. I have provided documentation showing my payments were made on time. Additionally, I contacted the Texas Office of the Attorney General ( OAG ) the alleged furnisher and they either denied reporting the data or could not validate it.

Despite this, the credit reporting agencies verified the inaccurate information, failed to conduct a proper reinvestigation, and continued to report false information. I was never given proper notice before the negative information was reported, as required under FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and 12 C.F.R. 1022.43.

I also cited the DOJ/OCSE XXXX Dear Colleague Letter, which cautions child support agencies about procedural fairness in enforcement and reporting actions.

The errors have harmed my creditworthiness, cost me access to credit, and caused significant emotional distress. Ive submitted disputes and followed all procedures, yet the inaccurate data persists.

I am giving these companies one final opportunity to correct the record before I initiate arbitration. Ive attached a detailed Final Notice letter outlining all applicable violations, legal citations, and remedies demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I previously disputed XXXX ( XXXX XXXX XXXX ) account with Trans Union and Equifax regarding incorrect dates being reported. Account number XXXX * * * *. Each bureaus noted that the dispute is resolved. I still disagree and their still reporting inconsistent and incorrect information. 
Please see two ( 2 ) screen shots of the account from my credit report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief