vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-25 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: WA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not associated with these accounts in any way and believe them to be the result of fraud. I request their immediate deletion from my credit history, along with a full investigation. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-07-25 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this formal statement to file a complaint and request immediate intervention regarding XXXX accounts that are currently damaging my consumer credit profile. XXXX Account ( Account Number : XXXX ) : This account is closed and should no longer be reporting on my credit file. Its continued presence is misleading, derogatory, and a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which mandates accurate and complete information from data furnishers. I am demanding this account be removed from all XXXX major credit bureaus XXXX Experian, and TransUnion immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  Account Number : XXXX ) : This collection account was created and reported without my knowledge, consent, or authorization. XXXX XXXX XXXX XXXX began reporting a collection related to XXXX XXXX without validating the debt or notifying me. I only found out about it once it appeared on my credit report. This is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which require proper validation and communication before reporting. 

I am requesting that the Consumer Financial Protection Bureau urgently investigate these accounts and require XXXX and XXXX XXXX XXXX XXXX to cease and desist from any further reporting or collection activity. These accounts are inaccurate, unfair, and have caused significant hardship for me and my family in seeking credit, housing, and transportation.THESE COMPANIES ARE JUST DOING WHAT THEY WANT AND ITS NOT FAIR WE HAVE NO ONE FIGHTING FOR OUR RIGHTS AND CREDIT PROTECTION NO MORE ASLO OTHER NAMES THATS FRAUDULENT BUT I ALREADY SENT OTHER LETTERS AND ITS STILL ON MY REPORT XXXX XXXX I HAVE NO ACKNOWLEDGE OF THIS ACCOUNT DELETE IT NOW XXXX XXXX I PAY ALL MY BILLS ON TIME ANYTHING BAD OR REPORTING BAD BESIDES STUDENT LOANS IS NOT MINE

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 2025-07-25 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: CL Holdings LLC
State: FL

Complaint narrative:
I was contacted by a debt collection agency regarding a debt that I do not recognize and do not believe I owe. I never received a validation notice or any documentation supporting the debt amount, original creditor, or date of debt. The collector reported the account to the credit bureaus without proper validation, which has negatively affected my credit score. Additionally, the collector has continued contacting me despite my written request for verification, and in some instances, has used aggressive or misleading language. 
XXXX ( XXXX XXXX : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I am filing this complaint because there is inaccurate and/or fraudulent information being reported on my credit report, and the company involved has failed to correct it after I submitted a formal dispute. 

Specifically, Transunion, XXXX, and Experian is reporting [ describe the item : e.g., a delinquent account, late payment, collection account, charge-off, etc. ] that I do not recognize or that is the result of identity theft or inaccurate reporting. 

I previously contacted the company and/or the credit bureaus to dispute this information under my rights afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and provided supporting documentation ( such as [ proof of payment, identity theft affidavit, police report, or correspondence ] ). However, they failed to conduct a proper investigation or update/correct the inaccurate information within the XXXX time frame required by 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im flagging these unfamiliar inquiries as possible fraudulent activity. Please handle this matter urgently. Supporting files are attached.

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 2025-07-25 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-25 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: LA

Complaint narrative:
I am submitting this complaint because I have an account reporting on my TransUnion credit report that is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes, the account continues to report without proper investigation or validation, causing serious damage to my credit and financial well-being. 

The account in question is : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number ( Partial ) : XXXXXXXX XXXX XXXX Balance : {$620.00} Date Opened : XX/XX/year>XXXX XXXX XXXX Type : Collection I have no knowledge of any debt related to XXXX XXXX, and I was never contacted by either the original creditor or the collection agency prior to this account appearing on my credit report. I did not receive any validation notice from XXXX XXXX, which is required under FDCPA XXXX ( 15 USC XXXXg ). I attempted to dispute this account directly with the credit reporting agencies, but they continued to report it without conducting a reasonable investigation as required under FCRA XXXX. 

Furthermore, under FCRA XXXX ( a ) ( XXXX ), I have the right to know what documentation and information were used to verify the accuracy of this account. I made multiple requests for such documentation, but neither XXXX XXXX nor the credit bureau provided me with a signed contract, billing statements, or any evidence tying me to this alleged debt. This is a violation of my rights as a consumer. 

The continued reporting of this unverifiable collection account has significantly lowered my credit score, impacting my ability to secure housing and fair lending opportunities. I believe this account may be the result of a clerical error, identity confusion, or failure on the part of the collection agency to validate the debt properly. Regardless, without sufficient proof of liability, this item should not be allowed to report. 

I am requesting that the CFPB investigate this matter and compel both TransUnion and XXXX XXXX to remove this account from my credit report immediately, as it is unverified, inaccurate, and in violation of multiple consumer protection laws.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 92108SSN : XXXXDOB : XXXXDate : XX/XX/XXXX EQUIFAX XXXX : XXXX Notice Formal Dispute of XXXX XXXX & XXXX Reporting ( Acct # XXXX XXXX XXXX Dear EQUIFAX, This is a formal XXXX  dispute notice regarding the XXXX XXXX & XXXX account on my Experian credit report . I previously disputed this account on the grounds of multiple FCRA and XXXX Title XXXX violations. Your response indicated the item was verified and updated, yet no substantive documentation or legally sufficient verification was provided. 

This account continues to report incorrect, inconsistent, and unverifiable data in violation of : Legal Violations Cited : FCRA XXXX ( b ) You are required to maintain maximum possible accuracy. The simultaneous reporting of repossession and charge-off contradicts itself, and financial figures such as the balance ( {$7000.00} ) and charge-off amount ( {$5500.00} ) remain inconsistent. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Reinvestigation procedures require original documentation from the furnisher. You did not provide a copy of the signed loan agreement, proof of default, payment ledger, or repossession documents. Verified is not a legal conclusion unless backed by original evidence. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Any item that can not be verified must be permanently deleted from the file. 

USC Title XXXX XXXX and XXXX Any collection activity related to this reporting without providing a full itemization of the debt or misrepresenting the legal status of the account is in violation of the Fair Debt Collection Practices Act. 

Inaccurate Reporting Timeline The date of first delinquency and delinquency first reported ( XX/XX/XXXX ) appear to be artificially updated ( re-aged ), violating FCRA XXXX ( c ). 

Action Required : I demand a full reinvestigation with supporting documentation sent directly to me. If this item can not be verified with the original signed contract and related records, it must be immediately removed from my file. Continued reporting without proper documentation may constitute willful noncompliance under FCRA XXXX and may result in formal complaints and legal action. 

Sincerely, XXXX XXXX XXXX [ Signature if mailing ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: MO

Complaint narrative:
I lost my job couldnt pay my bill so I closed my secured account and used my deposit to pay. They kept my account open for a year and charged my late fees and interest on a secured account. What company keeps an account open for a year with no payment unless they are trying to incite XXXX  of dollars in fees and interest. Feels like predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
When calling Fig Loans, you only get a voicemail saying to XXXX or text XXXX, I have done both and no response, and when making a payment you have to go through a XXXX party company I think there name XXXX  and they don't have payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
transunion is reporting a fraudulent account td XXXX  a violation of section 605b fcra

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please delete these fraudulent accounts, because they are hurting my ability to obtain credit.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I have a problem with someone who forged my identity and created cards in my name to fally me in legal problems and covered up his name in financial fraud crimes. I want to look for credit accounts with my name and data to stop them. 
He uses my name, ID number, my date of birth, and extracts a card linked to a phone number and an email that is not mine

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 2025-07-25 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: IL

Complaint narrative:
Ive sent a dispute through Experian explaining how this account XXXX XXXX XXXX XXXX XXXX is reporting inaccurately. the account was paid off and closed out on XX/XX/XXXX but it was still reporting charged off after XX/XX/XXXX all the way until XX/XX/XXXX! There is no way that the account should be repeated being marked charged off on the payment history when it has already been paid in total on XX/XX/XXXX. The account should be reported as closed on XX/XX/XXXX and nothing should be reporting after that. Ive even attached screenshots of the account being reported the account was closed on XX/XX/XXXX which is inaccurate and then changed to be charged off. This account is seriously harming my credit and it needs to be updated 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 explanation