vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Improper use of Credit Reporting : Following the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 16:81 section 602, which states that I have the right to privacy. 15 USC 16:81 section 604 section 2 also states that a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late. 
XXXXXXXX XXXX XXXXXXXX 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 2025-03-30 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: NJ

Complaint narrative:
XXXX reported my account XXXX  days late past due however I am under a deferment during this time so I filed a dispute with TransUnion to have the negative reporting removed as it seems to be an error. TransUnion decided to remove the entire loan debt from my history which did not restore the points that I lost from the negative reporting so I reached out to XXXX the Creditor and ask them if they could resubmit to the credit unions with proper reporting trying to get this issue corrected XXXX seems to be blaming it on Transunion and Transunion continues to tell me to call the Creditor however my credit report Still Remains with the negative impact due to this inaccurate reporting so I need someone to assist me so I can get the huge reduction in my credit score corrected

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 2025-03-30 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX  are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and have locked credit reports and have for over a decade. I need to unlock my credit reports for a month and Experian 's online system and phone system won't let me access them, and there is NO HUMAN AVAILABLE AT ALL. So I am locked out of my account and can't unlock it at Experian. This is infuriating. 

Of note, I think the credit agency has my old address where I lived prior to XXXX  : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, because when I typed in my current address ( XXXX for XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ), the system would not advance.

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 2025-03-30 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: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-03-30 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: IL

Complaint narrative:
XXXX. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ) The FCRA requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information. 
If they just confirmed the account with the original creditor without investigating properly, thats a violation. 

XXXX. Failure to Provide You with Results of the Investigation ( 611 ( a ) ( 6 ) ) The credit bureau must send you a written notice with the results of their investigation within XXXX days ( or XXXX days in some cases ). 

XXXX. Failure to Consider Your Documentation ( 611 ( a ) ( 4 ) ) If you submitted supporting documents ( like proof of identity theft, payment history, or other errors ) and they ignored them, thats a violation. 

XXXX. Reporting Inaccurate Information After Being Notified ( 623 ( a ) ( 1 ) ) If the furnisher ( creditor or collection agency ) knows or should know the information is incorrect but continues to report it, theyre in violation. 

XXXX. Failure to Note the Account as Disputed ( 611 ( a ) ( 3 ) ) If the account remains on your report without a dispute notation, thats another FCRA violation. these are all laws that Experian, XXXX and XXXX have violated my rights as a consumer by not doing proper investigation to my disputes

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 2025-03-30 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-30 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: Global Lending Services LLC
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ GLOBAL LENDING SERVICES GLOBAL LENDING SERVICES Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts.

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
Experian credit agency continues to report negative and inaccurate information even after writing certified letters from the XXXX XXXX XXXX. 
I have patiently tried to work with them, but they continue to inflict harm on my living situations.

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 2025-03-30 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:
Dear Sir or Madam : I am formally requesting the immediate removal of the XXXX XXXX XXXX automobile loan tradeline from my credit reports due to persistent and unresolved inaccuracies. Significant factual inconsistencies remain despite multiple disputes filed with XXXX, Experian, and XXXX, along with a previous CFPB complaint. Each bureau has repeatedly verified this account as accurate, yet each continues to report conflicting information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Detailed Dispute History : XXXX. XXXX : CFPB Complaint XXXX XXXXXXXX, filed XX/XX/XXXX ; XXXX responded XX/XX/XXXX, stating the account was " verified as reported. '' XXXX. Experian : Dispute Report XXXX XXXXXXXX, generated XX/XX/XXXX ; Experian claimed the account was " updated and verified to be reporting current and accurate data. '' XXXX. XXXX : Dispute Report XXXX XXXXXXXX, generated XX/XX/XXXX ; XXXX also claimed the account was " updated and verified to be reporting current and accurate data. '' Despite these " verifications, '' the XXXX XXXX XXXX tradeline still reports discrepancies across bureaus, including : Account Open Date discrepancy ( XX/XX/XXXX vs. XX/XX/XXXX ) Last Payment Date mismatch ( XX/XX/XXXX vs. XX/XX/XXXX ) Original loan amount inconsistency ( {$79000.00} vs. {$5900.00} ) Loan Term reporting inconsistency ( XXXX  months vs. not reported ) Contradictory dispute status remarks ( resolved vs. reinvestigation in progress ) These contradictions confirm that the account information can not possibly be fully accurate on all XXXX credit reports simultaneously. Continued reporting of this inconsistent and unverifiable data constitutes a direct violation of FCRA requirements for accuracy and completeness. 

I appreciate your immediate attention to this matter and request prompt action to ensure the integrity and accuracy of my credit reporting. 
Sincerely, 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/year>, XXXX OF XXXX XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year> & XXXX XXXX XX/XX/year>

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 2025-03-30 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Against XXXX and Equifax for Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to file an aggressive formal dispute regarding fraudulent accounts that remain on my credit reports with XXXX and Equifax despite my repeated disputes. I have been a victim of identity theft, as confirmed by the attached FTC Identity Theft Report ( FTC Report Number : XXXX ), and yet, XXXX and Equifax have failed to properly investigate and remove fraudulent accounts. 

The following accounts must be immediately deleted from my credit report as they were fraudulently opened without my authorization : XXXX. XXXX XXXX XXXX Fraudulent balance of {$3100.00} XXXX. XXXX XXXXXXXX Fraudulent balance of {$1200.00} These accounts are the direct result of identity theft, and I have never opened or authorized them. My identity was stolen and misused, as detailed in my FTC report. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies conduct proper investigations and remove fraudulent items when presented with valid proof. 

Despite multiple disputes, XXXX and Equifax have failed to comply with FCRA guidelines by refusing to remove these fraudulent accounts. I am now escalating this matter through the CFPB to demand immediate deletion of these accounts from my credit file. Failure to comply will leave me no choice but to pursue further legal action against both credit bureaus for willful non-compliance and failure to conduct a reasonable investigation. 

I am attaching the following supporting documents : FTC Identity Theft Report Copy of my government-issued ID for identity verification Proof of address Previous dispute correspondence ( if applicable ) Under the FCRA, you have XXXX days to respond to this dispute. If these accounts are not removed, I will take further legal action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the XXXX XXXX Office, and pursuing a lawsuit for damages resulting from willful non-compliance. 

I expect an immediate response confirming the permanent deletion of these fraudulent accounts. Please send confirmation to my address or email listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Against TransUnion and XXXX for Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to file an aggressive formal dispute regarding fraudulent accounts that remain on my credit reports with TransUnion and XXXX despite my repeated disputes. I have been a victim of identity theft, as confirmed by the attached FTC Identity Theft Report ( FTC Report Number : XXXX ), and yet, TransUnion and XXXX have failed to properly investigate and remove fraudulent accounts. 

The following accounts must be immediately deleted from my credit report as they were fraudulently opened without my authorization : XXXX. XXXX XXXX XXXX Fraudulent balance of {$3100.00} XXXX. XXXX XXXX Fraudulent balance of {$1200.00} These accounts are the direct result of identity theft, and I have never opened or authorized them. My identity was stolen and misused, as detailed in my FTC report. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies conduct proper investigations and remove fraudulent items when presented with valid proof. 

Despite multiple disputes, TransUnion and XXXX have failed to comply with FCRA guidelines by refusing to remove these fraudulent accounts. I am now escalating this matter through the CFPB to demand immediate deletion of these accounts from my credit file. Failure to comply will leave me no choice but to pursue further legal action against both credit bureaus for willful non-compliance and failure to conduct a reasonable investigation. 

I am attaching the following supporting documents : FTC Identity Theft Report Copy of my government-issued ID for identity verification Proof of address Previous dispute correspondence ( if applicable ) Under the FCRA, you have XXXX days to respond to this dispute. If these accounts are not removed, I will take further legal action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the XXXX XXXXXXXX Office, and pursuing a lawsuit for damages resulting from willful non-compliance. 

I expect an immediate response confirming the permanent deletion of these fraudulent accounts. Please send confirmation to my address or email listed above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
Name : XXXX XXXX XXXX Social : XXXX DOB : XXXX This CFPB Complaint has been filed to request pursuant to FCRA & XXXX ( XXXX. & XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following ; XXXX. A personal credit card account at XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
XXXX. A car loan at XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX. A car loan at XXXX XXXX opened in XX/XX/XXXX XXXX. A utility account at XXXX XXXX XXXX opened in XX/XX/XXXX XXXX. A personal loan at XXXX XXXX HARD INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent credit card accounts and fraudulent hard inquiries appearing on my consumer FICO credit report. I have 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 fraudulent items. I do not recognize the accounts or hard inquiries as reported. The accounts and hard inquiries appearing on my consumer credit report maintained by you, were not open, made, or initiated by me. The aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the listed consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: WI

Complaint narrative:
I requested that Equifax permanently delete and suppress all inaccurate, unverifiable, and obsolete information from my credit file. This includes multiple derogatory accounts, charged-off accounts, public records, and personal information that does not belong to me, as well as outdated addresses and inquiries. Equifax failed to provide verifiable proof of these accounts and public records when I requested validation under the Fair Credit Reporting Act ( FCRA ) Section XXXX. Additionally, they continued reporting unverifiable information after being notified of its inaccuracy, which is a direct violation of FCRA Sections XXXX, XXXX, and XXXX. 

Equifaxs failure to conduct a reasonable investigation has caused irreparable harm to my creditworthiness, financial opportunities, and mental distress. I am now requesting CFPB intervention and immediate resolution.

Company response to consumer: Closed with explanation