vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Rebuttal to Company Response Identity Theft Dispute under 15 U.S.C. 1681c-2 I am submitting this rebuttal in response to the materials provided by XXXX XXXX XXXX regarding the disputed account. Their response does not satisfy the legal requirements un

der 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act. I have formally alleged that I am a victim of identity theft and submitted appropriate documentation, including a government-issued ID, Social Security card , and proof of residence. As required by federal law, the furnisher must block the disputed tradeline within 4 business days unless they can provide material evidence that the account was not a result of identity theft. 

XXXX response merely references internal records and includes a bill of sale and a payment historynone of which constitute material evidence. They failed to provide any of the following : A signed original application bearing my signature A recording or voice authorization Any signature verification, handwriting analysis, or other legitimate form of forensic validation Matching personally identifiable information ( such as name, date of birth, Social Security number, or address ) does not prove that I opened the account. It only shows that a fraudster may have had access to such information. Under FCRA 605B, such internal referencing does not meet the threshold for lawful reinsertion or refusal to block the disputed item.

I am reiterating my demand that this account be blocked and permanently removed from my credit report in accordance with the law. If this request is not honored, I will pursue formal legal action for noncompliance under 15 U.S.C. 1681n and 1681o, including statutory and punitive damages.

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 2025-06-27 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: CA

Complaint narrative:
Rebuttal to Company Response Identity Theft Dispute under 15 U.S.C. 1681c-2 I am submitting this rebuttal in response to the materials provided by XXXX XXXX XXXX regarding the disputed account. Their response does not satisfy the legal requirements under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act.

I have formally alleged that I am a victim of identity theft and submitted appropriate documentation, including a government-issued ID, Social Security card , and proof of residence. As required by federal law, the furnisher must block the disputed tradeline within 4 business days unless they can provide material evidence that the account was not a result of identity theft. 

XXXX  response merely references internal records and includes a bill of sale and a payment historynone of which constitute material evidence. They failed to provide any of the following : A signed original application bearing my signature A recording or voice authorization Any signature verification, handwriting analysis, or other legitimate form of forensic validation Matching personally identifiable information ( such as name, date of birth, Social Security number, or address ) does not prove that I opened the account. It only shows that a fraudster may have had access to such information. Under FCRA 605B, such internal referencing does not meet the threshold for lawful reinsertion or refusal to block the disputed item.

I am reiterating my demand that this account be blocked and permanently removed from my credit report in accordance with the law. If this request is not honored, I will pursue formal legal action for noncompliance under 15 U.S.C. 1681n and 1681o, including statutory and punitive damages.

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 2025-06-27 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: CA

Complaint narrative:
Rebuttal to Company Response Identity Theft Dispute under 15 U.S.C. 1681c-2 I am submitting this rebuttal in response to the materials provided by XXXX XXXX XXXX regarding the disputed account. Their response does not satisfy the legal requirements under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act.

I have formally alleged that I am a victim of identity theft and submitted appropriate documentation, including a government-issued ID, Social Security card , and proof of residence. As required by federal law, the furnisher must block the disputed tradeline within 4 business days unless they can provide material evidence that the account was not a result of identity theft. 

XXXX  response merely references internal records and includes a bill of sale and a payment historynone of which constitute material evidence. They failed to provide any of the following : A signed original application bearing my signature A recording or voice authorization Any signature verification, handwriting analysis, or other legitimate form of forensic validation Matching personally identifiable information ( such as name, date of birth, Social Security number, or address ) does not prove that I opened the account. It only shows that a fraudster may have had access to such information. Under FCRA 605B, such internal referencing does not meet the threshold for lawful reinsertion or refusal to block the disputed item.

I am reiterating my demand that this account be blocked and permanently removed from my credit report in accordance with the law. If this request is not honored, I will pursue formal legal action for noncompliance under 15 U.S.C. 1681n and 1681o, including statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to 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 2025-06-27 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$2700.00}

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 2025-06-27 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-27 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: VA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-27 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-27 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Greetings! 
I am filing an official complaint against the illegal, in a clear-cut violation of the federal Fair Credit Reporting Act ( FCRA ) actions of a MD based collections agency : Fair Collections & Outsourcing,XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX : XXXX / XXXXXXXX XXXX XXXX XXXX, as a cleared US government contractor with access to sensitive information, I am proactively checking my credit report to make sure there are no unexpected/unreported issues.Thus, a recent check turned out that I have two collections filed against me by this agency, on behalf of a rental property in the amount of {$5100.00}, again, violating not only the provisions of the FCRA and applicable state statutes.Specifically XXXX they have failed to properly notify me in writing of any such actions, and the only communication I have received so far, in response to a written letter, are two files that I will be happy to supply upon request. Again, the FCRA clearly states that prior to filing a collections activity against an individual, any such agency is supposed to notify the debtor in any number of ways, includingbut not limited to : certified/registered mail, personal courier and the like. Email is not considered a reliable and secure way of notifying individuals due to its vulnerability towards hacking, phishing, and the possibilityof third party entities/individuals intercepting it. 
Given the aforementioned, I urge you to launch an investigation into the shady " business '' practices of the mentioned agency and have them cease and desists their collections activity, notifying me and the national credit reporting agencies as stipulated in the 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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this Complaint reaches you well. I am writing to follow up on the previous disputes I submitted regarding certain items listed on my credit report. 
As of today, I have not received any updates or responses concerning the status or resolution of these disputes. I understand that such reviews may take time ; however, I would appreciate an update on the current progress and any actions that have been taken to address the concerns outlined in my earlier correspondence. 
For your convenience, I have included a list below of the items I am requesting to be removed from my credit file : 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

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed fraudulent inquires on my equifax report multiple times via mail, and the online option. Each time nothing is done with all of the fraudulent inquires. Equifax is not properly investigating these issues and theyre improperly using my report reporting things that are inaccurate and fraudulent. The fraudulent inquires are as follows : XX/XX/XXXXThese are 12 inquires I did not make some resulting in multiple inquiries all fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: AR

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 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 2025-06-27 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: AR

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 2025-06-27 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION has violated my rights. 

XXXX has violated my rights. 

XXXX  has violated my rights. 

I looked at my TransUnion XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation