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

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 disputed items despite the evidence | 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 2025-03-03 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: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Acct ( FCRA ) to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. As of XX/XX/year>, XXXX XXXX XXXX XXXX is not licensed to collect debt in the state of Texas. Under Texas law, debt collection agencies must be licensed and bonded with the Texas Secretary of State to legally operate within the state. A search of the Texas Secretary of States licensed debt collectors database revealed that XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. I request that this information be deleted from 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 non-monetary relief
Consumer complaint received 2025-03-03 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: OH

Complaint narrative:
I submitted a dispute letter to Transunion on XX/XX/year> and they didn't respond within 30 days. I am submitting this complaint to get help from the CFPB with this dispute. It is my right as a consumer to dispute inaccurate accounts on my credit report. I don't understand why Transunion will not cooperate. This is causing me so much stress.

I would like for Transunion to start an investigation for the XXXX XXXX account that I included in my dispute letter.

Attached is the dispute letter, my ID and my social security card.

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 2025-03-03 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: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I have identified multiple unfamiliar items on my credit report, indicating that my identity may have been compromised. I never authorized these accounts and have previously reported this issue. I am now formally requesting their immediate removal. These unauthorized accounts are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to address this issue without delay.

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 2025-03-03 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I am filing this complaint against Experian for failing to respond to my credit report dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/, I mailed a formal dispute letter via certified mail with return receipt/online submission regarding inaccurate information on my credit report. According to the FCRA, the credit bureaus are required to investigate and respond within 30 days ( or 45 days if additional information is requested ). However, as of today, XX/XX/, I have not received any response or update regarding my dispute. 
This failure to respond in a timely manner is a direct violation of my consumer rights under the FCRA. As a result, I am requesting immediate action to resolve this matter, including : A formal response regarding the status and outcome of my dispute. 
Removal of the disputed items due to the bureaus failure to verify them within the legally required timeframe. 
Confirmation that my rights under the FCRA are being upheld. 
I have attached copies of my original dispute letter, proof of mailing, and any supporting documents for your review. I request that the Consumer Financial Protection Bureau take appropriate action to ensure compliance with federal 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 2025-03-03 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

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 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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
This company Spring Oaks Capital llc keeps contacting me about a fraudulent account I did not open. I am a victim of identity theft. This account is showing open on my credit report. I have been fighting to get this taken off all three of my credit reports for the last three years. They keep sending me emails every day of the week about this fraudulent account. The amount this company says I owe is {$520.00}.

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

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-03 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: CA

Complaint narrative:
I have inaccurate information reporting on my credit report. I dispute the information listed on my credit report that I have listed in the dispute pdf, which does not relate to any transaction initiated by me. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all disputed information from my credit report. Under the FCRA, credit reporting agencies are required to block fraudulent information within XXXX business days of receiving proper documentation. have attached a copy of my FTC Identity Theft Report, as required by FCRA Section 605B. Please investigate this matter and provide a written explanation of your findings and actions. 
Enclosures : Identity Theft Report credit report Proof of Identity Copies of FAIR CREDIT REPORTING ACT Notice of dispute for reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I have inaccurate information reporting on my credit report. I dispute the information listed on my credit report that I have listed in the dispute pdf, which does not relate to any transaction initiated by me. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all disputed information from my credit report. Under the FCRA, credit reporting agencies are required to block fraudulent information within XXXX business days of receiving proper documentation. have attached a copy of my FTC Identity Theft Report, as required by FCRA Section 605B. Please investigate this matter and provide a written explanation of your findings and actions. 
Enclosures : Identity Theft Report credit report Proof of Identity Copies of FAIR CREDIT REPORTING ACT Notice of dispute for reinvestigation

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Applied Data Finance, LLC
State: AK

Complaint narrative:
I am writing in response to Personifys letter dated XX/XX/XXXXXXXX XXXX XXXX regarding my CFPB Complaint ID No. XXXX. Thank you for acknowledging my concerns ; however, the explanation does not address my primary issue of misleading credit reporting claims. 

When I applied for my loan on or around XX/XX/XXXXXXXX XXXX  Personifys FAQ and website content led me to believe that the company reports loan activity to more than one of the major credit bureausnamely XXXX, XXXX, and XXXX. Specifically : Website Language : The FAQ sections identify XXXX, XXXX, and XXXX as credit bureaus, stating that Personify reports data about customers to credit bureaus, with no mention of specialty bureaus ( such as Clarity or FactorTrust ). 
My Reasonable Assumption : Because of this phrasing, I understood that payment history would be provided to at least two of the three standard national bureaus. One of my main goals was to build or improve my credit profile across multiple mainstream credit reports. 
Actual Reporting : Personifys JXX/XX/XXXX letter confirms that the company only reports to XXXXXXXX XXXX XXXX XXXXXXXX. Since XXXX ( owned by XXXX ) and XXXX ( owned by XXXX ) are specialty bureaus rather than traditional ones, the loan I repaid in full on XX/XX/XXXXXXXX XXXX only appears on XXXX XXXX and XXXX profiles unaffected. 

Because the FAQ makes no reference to XXXX or XXXX, borrowers could reasonably believe credit bureaus means XXXX, XXXX, and XXXX. I would not have chosen this loan had I known it would not be reported to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS consistently calls after I ask for signature proof of me a agreeing for a debt with AMERICAN EXPRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 upon reviewing my credit report i notice some accounts that does not belong to me and are fraudulent asking that you please investigate.

See 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 non-monetary relief
Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
My name is XXXX XXXX upon reviewing my credit report i notice some accounts that does not belong to me and are fraudulent asking that you please investigate.

See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer Date of Birth : XX/XX/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/Experian/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 the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. 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 copies of FTC Identity Theft Criminal Complaints # XXXX, and # 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 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 


Incorrect Name - XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Excessive property inspections that are being charged at an excessive rate. For example XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX property inspections were done all costing XXXX dollars. This is not all of the charges. As well as foreclosure attorney fees for XXXX dollars on XX/XX/XXXXXXXX XXXX XXXX Another foreclosure cost of XXXX on XX/XX/XXXX. Additional foreclosure costs on XX/XX/XXXX in the amounts of XXXX, XXXX, XXXX, and XXXX. I have been informed property inspections should be no more than once a month for no more than XXXX dollars. M & T Bank is conducting multiple property inspections per month at XXXX dollars each time. I would like to dispute these charges and would like explanations of the other charges. As mentioned above these are just some of them. I am locked out of my M & T mortgage online account so I cant see all of my statements.

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