vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-06-26 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX 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 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
On or about XX/XX/year> someone obtain an unauthorized & unpermitted background check on me through a Lexi Nexis search, including but not limited to ; 1. Identification records 2. Address characteristic record 3. Business association record 4. Professional license record 5. Hunting & fishing license record 6. Online marketing record 7. Property deed records 8. Property assessor records 9. Insurance policy records 10. Property insurance claims records 11. XXXX records 12. Inquiry records Lexis Nexis was unable or unwilling to tell me who illegally cyber spied on me using their database or why. I have filed an IC3 complaint & reported it to the local police in addition to requesting a fraud alert on all credit reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-26 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: MO

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 Compliance Standards. I am contesting the accuracy, validity, and legality of the following public record reported on my credit profile : Public Record Being Challenged : Federal XXXX This account is being reported without any verified, factual evidence, and I have received no prior written notice of its reporting or reinsertion if it had been previously deleted, as required under FCRA 611 ( a ) ( 5 ) ( B ). This failure constitutes a violation of my rights under federal law.

I demand that you provide tangible, physical, and verifiable documentation proving : The legal existence of this record, Its permissible purpose under FCRA 1681b, That it was reported in compliance with Metro 2 Format, including accurate, timely, and complete data field submissions.

If you can not provide this evidence within the required 30-day window, I insist that this account be permanently deleted from my credit file across all reporting agencies. Any continued reporting of unverifiable or misleading information will be viewed as willful noncompliance, for which I reserve the right to pursue legal remedies under FCRA 616 and 617, including damages up to {$1000.00} or more.

Further, if this public record was reinserted after deletion, you were required by law to notify me in writing within five ( 5 ) business days of reinsertion. If no such notice was provided, this is another clear violation of FCRA and will be included in any regulatory complaints or legal filings I may pursue.

I hereby authorize you to send me a physical copy of all findings and actions taken as a result of this dispute, including an updated credit report reflecting the deletion of any unverifiable or inaccurate data.

Thank you for your immediate attention to 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 Compliance Standards. I am contesting the accuracy, validity, and legality of the following public record reported on my credit profile : Public Record Being Challenged : Federal XXXX This account is being reported without any verified, factual evidence, and I have received no prior written notice of its reporting or reinsertion if it had been previously deleted, as required under FCRA 611 ( a ) ( 5 ) ( B ). This failure constitutes a violation of my rights under federal law.

I demand that you provide tangible, physical, and verifiable documentation proving : The legal existence of this record, Its permissible purpose under FCRA 1681b, That it was reported in compliance with Metro 2 Format, including accurate, timely, and complete data field submissions.

If you can not provide this evidence within the required 30-day window, I insist that this account be permanently deleted from my credit file across all reporting agencies. Any continued reporting of unverifiable or misleading information will be viewed as willful noncompliance, for which I reserve the right to pursue legal remedies under FCRA 616 and 617, including damages up to {$1000.00} or more.

Further, if this public record was reinserted after deletion, you were required by law to notify me in writing within five ( 5 ) business days of reinsertion. If no such notice was provided, this is another clear violation of FCRA and will be included in any regulatory complaints or legal filings I may pursue.

I hereby authorize you to send me a physical copy of all findings and actions taken as a result of this dispute, including an updated credit report reflecting the deletion of any unverifiable or inaccurate data.

Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX 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

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 2025-06-26 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that is currently being reported on my credit file. Ive reviewed my credit report in detail, and Ive found one or more entries that are completely incorrect, misleading, or not mine at all and I am demanding immediate action to correct these errors. 

Let me be clear : Im not asking for a vague review or an automated response. Im demanding a thorough investigation and the full removal or correction of any data that can not be directly verified as accurate, up-to-date, and legitimately associated with me. I have no tolerance for sloppy reporting or mixed-file issues, and I take the integrity of my personal financial information extremely seriously.

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 2025-06-26 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
I previously submitted a CFPB complaint against XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that was originally issued with a fixed 1.7 % interest rate. My complaint detailed how XXXX increased the interest rate to 18 % and extended the loan without my consent or proper explanation, resulting in me overpaying significantly beyond the original terms. 

Shortly after that case was closed, I received a credit monitoring alert showing that the Fixed rate remark had been removed from this loan account on my credit report. This occurred between XX/XX/XXXX and XX/XX/year>, and I did not request or authorize this change. 

The timing strongly suggests this may be retaliatory, as the Fixed rate remark supported my dispute about the original loan terms. By removing it, XXXX appears to be altering the historical record in a way that harms my ability to challenge their actions and misrepresents the nature of the original agreement. 

This change may violate the Fair Credit Reporting Act ( FCRA ), which requires lenders to report accurate and complete information. I am requesting that the CFPB : Investigate the removal of this remark ; Require XXXX to provide documentation justifying the change ; Compel XXXX to restore accurate reporting based on the original loan agreement. 

I have a screenshot of the change as recorded in my credit monitoring service, and I am happy to provide that upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Sentry Credit, Inc.
State: GA

Complaint narrative:
I asked the company to investigate the validity of the alleged debt, provide proper documentation including an itemized breakdown, and to refrain from reporting the debt to any credit bureaus while the dispute was unresolved. I also requested that they remove any information that could not be verified, as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MoneyLion Inc.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
I am disputing the reporting of a XXXX XXXX installment loan ( Account # : XXXX ) that shows multiple inaccuracies on my credit reports. The account was opened on XX/XX/XXXX, and is currently reported as charged off by all three credit bureaus ( TransUnion, XXXX XXXX XXXX  ), with a balance of {$9000.00}. 

However, the following issues exist : Late payments are reported after the charge-off ( from XXXX through XX/XX/XXXX ), which is misleading and potentially a violation of the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, new delinquencies should not continue to be added. 

The delinquency timeline appears too early and aggressive. The account was opened in XX/XX/XXXX, but is reported as being XXXX days late by XX/XX/XXXX and XXXX days late by XX/XX/XXXX. This suggests missed payments just weeks after origination, which seems questionable and may be inaccurate. 

There are inconsistencies between the credit bureaus, with some reporting profit and loss write-off, charge-off, and " CO '' or XXXX days differentlyviolating FCRAs requirement for accurate and consistent information across agencies. 

I never received proper notice of the charge-off or validation of the debt, and I believe the balance reported may not be accurate or verified.

These issues are harming my credit score unfairly and may represent violations of FCRA 1681e ( b ), 1681s-2, and 1681i, which require accurate, verifiable, and fair credit reporting practices.

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 2025-06-26 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: NC

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity.

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

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