vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint because this account continues to be reported inaccurately despite multiple prior disputes. The information being furnished is inconsistent across the XXXX credit bureaus and does not meet the FCRA requirement that consumer data be accurate and reliably maintained. 

XXXX. Account Status Reported XXXX Different Ways Each bureau shows a different status for the same account : TransUnion lists it as open and in collection/charge-off. 

XXXX shows it as closed and in collection/charge-off. 

XXXX reports it as open and XXXX days late, which is not possible for a collection account. 

Equifax also shows an additional XXXX entry under XXXX # XXXX XXXX XXXX XXXX, which appears to function as a duplicate account. This second listing has a different name, status, Date Reported, remarks, payment history, and even a different category ( Factoring Company vs. Collection Agency ). These variations can not all be valid. 

XXXX. Date Opened Does Not Match The reported opening date differs between bureaus : XXXX shows an opening date of XX/XX/XXXX, while XXXX and XXXX both show XX/XX/XXXX. 

Only XXXX opening date can be correct, and the differences suggest the data is not being furnished consistently. 

XXXX. Dates of Last Activity and Reporting Are Not Aligned The bureaus also list different Dates of Last Activity and Dates Reported. This indicates the furnisher is not providing the same verified information to each bureau, which is contrary to FCRA requirements. 

XXXX. Dispute Remarks Are Not Uniform Across Bureaus Even the dispute notations vary : TU states the account meets FCRA requirements, XXXX notes that the dispute was reported by subscriber, XXXX simply states that the consumer disputes the account. 

If the bureaus received the same verified information, these remarks would be consistent.

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 2025-12-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-12-01 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-01 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: VA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Charged-Off Account XXXX XXXX ( Acct : XXXX ) I am disputing the charged-off account reported by XXXX XXXX under account number XXXX, with a date of XX/XX/XXXX and balance {$15000.00}. 
I do not believe this account is being reported accurately. I request that Equifax conduct a full investigation and either validate all details with the furnisher or remove the account if proper verification can not be provided. 

XXXX. XXXX Inquiry XXXX ( XX/XX/XXXX ) There should be no XXXX inquiry on my Equifax report. 
If this inquiry is present, it was not authorized by me. 
I request that Equifax investigate this inquiry and remove it if XXXX can not prove I provided written or permissible-purpose authorization. 

XXXX. Late Payments XXXX XXXX ( Acct : XXXX ) XXXX XXXX  ( Acct : XXXX ) I am disputing the late payment history being reported for both accounts. I do not believe the late payments are accurate. Please conduct a full investigation and request complete payment-verification records from the furnishers. If they can not validate the accuracy of the reported delinquencies, please remove or correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-12-01 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: VA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Charged-Off Account XXXX XXXX ( Acct : XXXX ) I dispute the charged-off account reported by XXXX XXXX, account XXXX XXXX dated XX/XX/XXXX with a balance of {$15000.00}. 
Please verify the accuracy of this account with the furnisher. If the account can not be fully validated, it must be removed from my TransUnion report. 

XXXX. XXXX Inquiry XXXX ( XX/XX/XXXX ) There is a XXXX  inquiry from XXXX dated XX/XX/XXXX that I did not authorize. 
Please investigate and remove this inquiry if XXXX can not provide proof of permissible-purpose authorization under the FCRA. 

XXXX. Late Payments XXXX XXXX ( Acct : XXXX ) XXXX XXXX  ( Acct : XXXX ) I am disputing all late payment information reported for these accounts. Please verify these entries with supporting payment records from the furnishers. If the companies can not validate the accuracy of the alleged late payments, they must be corrected or removed.

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 2025-12-01 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: NC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-01 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 am disputing the following items being reported by Equifax. These accounts contain inaccurate information and are harming my credit. Please conduct a full reinvestigation as required under FCRA XXXX. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Listen please carefully. 

I close my checking account XXXX of XXXX with Truist bank and check is being send by mail to my address. My claim number with Truist bank XXXX I did not receive my check and have been providing to bank all notarized documents that I did not receive my check. 


After XXXX  months I still did not receive my funds and Truist team said that they are in investigation with another bank to recover my funds and i should wait another XXXX  days. How easy it is nowadays to take someone check and deposit to another bank? It is XXXX  outside. 

Are you all out of your mind? How I should pay for my life, bills? 
My check amount is XXXX $ and I should wait 7 months minimum to get my funds back and it is not even guarantee that I will receive money in 7 months. 

Take actions faster, this experiences the worst in my life that it is can not been taking care properly. Please give me my fand back and then deal with another bank, this is not my issue that Truist bank can not handle such things properly. 

The worst conversations with representatives that sometimes can not even find claim numbers

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 2025-12-01 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:
XXXX XXXX XXXX is showing I owe a balance. I have not signed any new loan agreements. I requested for a copy of my agreement showing where I signed for the balance of {$14000.00}. They supplied an XXXX sheet. This is a self made XXXX spreedsheet that anyone can create with made up numbers. This is not an adequate loan agreement contract with my signature and date that shows I owe this amount. Anyone can generate an XXXX sheet. I need a legitimate contract showing I signed this. If not please delete 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 non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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