vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-04-03 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file regarding an auto loan. This account contains multiple discrepancies that are negatively impacting my credit report. 
Specifically, my records show that the account was closed as of XX/XX/XXXX, yet it continues to be reported in XXXX. Additionally, there are conflicting last payment datesone report lists XX/XX/XXXX, while another states XX/XX/XXXX. These inconsistencies indicate errors in the reporting of this account. 
Given these inaccuracies, I am requesting the immediate removal of this account from my credit report. Please investigate this matter they have been reporting inaccurate information all across the bored since loan was open with false missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-04-03 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: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report maintained by Experian contains multiple inaccurate, unverifiable, and outdated accounts, many of which I have previously disputed without proper resolution. Despite providing supporting documentation and clearly outlining discrepancies, Experian failed to correct or delete these items. According to the CFPBs own lawsuit filed in XX/XX/XXXXXX/XX/XXXX( Case No. 8:25-cv-24 ), Experian has a known history of failing to conduct proper reinvestigations, failing to forward consumer evidence to furnishers, and failing to notify consumers with accurate dispute resultsall of which I have personally experienced. 

The following issues have occurred on my credit report : Charged-off accounts and collections continue to report inaccurate balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Items have remained on my report despite not being verified under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion if unverifiable.

Duplicate accounts or errors in dates of delinquency extended how long negative accounts remain, harming my credit profile.

Experian has previously failed to update results of disputes or applied vague outcomes such as Remains or Updated without transparency.

These inaccuracies have significantly harmed my credit score, resulting in : Denied applications for credit cards and financing opportunities. 
Higher interest rates on necessities like car insurance and utilities. 
Rejection from rental housing opportunities, due to red flags on my credit. 
Emotional and financial stress, as Ive had to spend time, energy, and money trying to fix issues I didnt create. 

This unfair reporting directly contradicts the protections outlined in the Fair Credit Reporting Act ( FCRA ) and Regulation F. My creditworthiness is not being fairly reflected, and this is now blocking me from having a decent, competitive credit score. 

Im seeking the CFPBs help to hold Experian accountable and ensure these accounts are fully investigated and removed, so I can rebuild my financial standing and participate fairly in the economy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report maintained by Experian contains multiple inaccurate, unverifiable, and outdated accounts, many of which I have previously disputed without proper resolution. Despite providing supporting documentation and clearly outlining discrepancies, Experian failed to correct or delete these items. According to the CFPBs own lawsuit filed in XX/XX/XXXXXX/XX/XXXX( Case No. 8:25-cv-24 ), Experian has a known history of failing to conduct proper reinvestigations, failing to forward consumer evidence to furnishers, and failing to notify consumers with accurate dispute resultsall of which I have personally experienced. 

The following issues have occurred on my credit report : Charged-off accounts and collections continue to report inaccurate balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Items have remained on my report despite not being verified under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion if unverifiable.

Duplicate accounts or errors in dates of delinquency extended how long negative accounts remain, harming my credit profile.

Experian has previously failed to update results of disputes or applied vague outcomes such as Remains or Updated without transparency.

These inaccuracies have significantly harmed my credit score, resulting in : Denied applications for credit cards and financing opportunities. 
Higher interest rates on necessities like car insurance and utilities. 
Rejection from rental housing opportunities, due to red flags on my credit. 
Emotional and financial stress, as Ive had to spend time, energy, and money trying to fix issues I didnt create. 

This unfair reporting directly contradicts the protections outlined in the Fair Credit Reporting Act ( FCRA ) and Regulation F. My creditworthiness is not being fairly reflected, and this is now blocking me from having a decent, competitive credit score. 

Im seeking the CFPBs help to hold Experian accountable and ensure these accounts are fully investigated and removed, so I can rebuild my financial standing and participate fairly in the economy.

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 2025-04-03 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX # XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX XXXX ACCT # XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXXXXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, GRAIN XXXX XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX ACCT # XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and XXXX collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-03 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: NC

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX # XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX XXXX ACCT # XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXXXXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, GRAIN XXXX XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ACCT XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX ACCT # XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX, XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and XXXX collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief