vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: CT

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 2025-04-04 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Account This account was never paid late except for the two months postponed by the creditor due to XXXX and those months were XXXX and XXXX, 2020, they were postponed by the creditor in an accepted manner by the creditor due to XXXX and now it appears on my credit report as a late payment, 30 days late payment. I want you to rectify that so that the account appears on my credit report as satisfactory, because it will appear as an adverse account.

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 2025-04-04 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: FL

Complaint narrative:
XXXX XXXX agreed to settle a account with me for XXXX and sent me a letter confirming the account was settled and I no longer was obligated but if I wanted to have the account deleted from my credit I will have to submit a dispute to all three credit bureau because they do not delete settled paid as agreed accounts. Therefore I submitted a dispute to all three credit bureau and all three stated XXXX XXXX is stating the account is delinquent but paid as agreed less than amount. XXXX XXXX accepted a settlement of XXXX for a XXXX credit limit. And now refusing to release me from the debt, New creditors are being advised the account is delinquent. I have another card with XXXX XXXX that is paid in full, I received a report from the credit bureau stating XXXX XXXX report my balance increased and my score dropped immediately. Please help

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 2025-04-04 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Inquiry : XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-04-04 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Inquiry : XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
Please see supporting documents pertaining to XXXX data breach

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 2025-04-04 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: NV

Complaint narrative:
In accordance with the fair Credit reporting act the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 ( A ), 604 ( A ) ( 2 ), 1601C ( A ) ( 5 ) ,1681S ( 2 ) ( A ) ( 1 ). Account name : XXXX XXXX  XXXX # XXXX. Account Name : XXXX XXXX # XXXX. Account Name : XXXXXXXX XXXX  # XXXX. Account Name : XXXX XXXX # XXXX. Account Name : XXXX XXXX # XXXX. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
They are showing 10 names for me and 4 addresses. I only have one name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX, IL. XXXX. I have disputed this twice and they still have not corrected it. 

I want proof of how they investigated the 5 accounts below.

1. XXXX I have emailed XXXX twice XXXX and XXXX asking for a copy of the application I supposedly signed proof of all transactions and stmts.I have also called them asking for the proof or for them to delete this account from all bureaus. XXXX has not responded 2. XXXX I have emailed them in XXXX and XXXX asking them for a copy of the application I supposedly signed all receipts and statements or delete this account from all my Bureaus. XXXX has not responded to me. 

3. XXXX I asked XXXX for a signed cooy of the application I supposedly signed. They provided me with a computer generated application in the name of XXXX With a computer generated signature. I never had a loan with XXXX I demand that this account be deleted from all bureaus. 

4. Achieve I never had a loan with this company. It only appears on my XXXX Bureau. I want proof of an application I supposedly signed or delete this account. 

5. XXXX XXXX is required to report ACCURATE information. The report states no information on payment history. That is not complete or accurate information. Either prove it with all records and statements or delete this account. 

I have disputed all the above with XXXX twice already and they have not investigated properly. They have no proof of any of the above alleged accounts belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$970.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts 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 explanation
Consumer complaint received 2025-04-04 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: NV

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
Good day, I am submitting this request to dispute and request the removal of certain inquiries from my credit report. These inquiries were made without my authorization and are negatively impacting my credit profile. The inquiries in question were initiated by Experian and I believe they were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these inquiries. Under the FCRA, unauthorized or erroneous inquiries must be corrected to ensure the accuracy of consumer credit reports. I have attached relevant documents to assist with your investigation and verification process. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
Good day, I am submitting this request to dispute and request the removal of certain inquiries from my credit report. These inquiries were made without my authorization and are negatively impacting my credit profile. The inquiries in question were initiated by Experian and I believe they were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these inquiries. Under the FCRA, unauthorized or erroneous inquiries must be corrected to ensure the accuracy of consumer credit reports. I have attached relevant documents to assist with your investigation and verification process. 
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 non-monetary relief
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im a victim of identity theft, fraud and XXXX XXXX  I recently disputed a XXXX XXXX onto my credit report from US Dept of Education XXXX account number XXXX {$14000.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$820.00} which does not pertain to me a result of identity theft I never reported XXXX XXXX XXXX account no ending in XXXX which is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: DE

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX 2025 To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. My only Phone number is Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: AZ

Complaint narrative:
I reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove these accounts from my report, 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 2025-04-04 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: NY

Complaint narrative:
I previously lived at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Oregon. When I moved out, I had fulfilled all terms of my lease and left the apartment in good condition. Despite this, my full {$750.00} security deposit was withheld without explanation or an itemized statement. 

During my tenancy, the apartment had a severe pest infestation problem. Multiple times, cockroaches entered my childs ears while sleeping. I reported this to management several times, and although they sent exterminators, the issue was never properly resolved. They even asked me not to file any official complaint. 

In XX/XX/scrub> 2025, I discovered that a collection account had been placed on my Equifax credit report by XXXX XXXX XXXX, listing XXXX XXXX as the original creditor. I was never notified of any outstanding debt and never received any bill or notice. This has caused my credit score to drop significantly. 

This collection account is completely false and unfair. I am a father of XXXX XXXX XXXX and this situation is causing serious stress. I respectfully request that this collection account be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NV

Complaint narrative:
In accordance with the fair Credit reporting act the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 ( A ), 604 ( A ) ( 2 ), 1601C ( A ) ( 5 ) ,1681S ( 2 ) ( A ) ( 1 ). Account name : XXXX XXXX XXXXXXXX # XXXX. Account Name : XXXX XXXX  XXXX # XXXX. Account Name : XXXX  XXXX XXXX # XXXX. Account Name : XXXX XXXX # XXXX. Account Name : XXXX XXXX # XXXX. Account Name : # XXXX XXXX XXXX # XXXX. Account Name : XXXX XXXX XXXX # XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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 2025-04-04 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: CA

Complaint narrative:
After looking over my credit report I see inaccurate information on my report that I would like to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance {$700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXI XX/XX/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

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 2025-04-04 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
Im writing out of pure frustration. My report includes information thats just wrong, and its damaging my score in a way thats affecting my everyday life. Im being denied things I should qualify for, and its all because of mistakes I didnt make.

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