vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request for CFPB Investigation into Experians Verification Practices I have contacted Experian multiple times regarding inaccurate information on my credit report. Each time, Ive requested clarification and supporting details, but instead of receiving a clear explanation, I was given a vague response simply stating the information was verified as accurate.

Experian has failed to answer my specific questions about the accounts they are reporting, nor have they provided any documentation or details about how the information was verified. 

I am formally requesting that the CFPB investigate Experians verification practicesspecifically how they confirm the accuracy of disputed information and how they respond to respectful and legitimate requests from American citizens seeking transparency. 

I have attached a PDF of my final written request to Experian. I respectfully ask the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and assist me in obtaining real answers and fair treatment under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX XXXX, submitted formal written requests to the following consumer reporting agencies : XXXX, and XXXX, and XXXX. These requests included all required documentation to verify my identity including a copy of my Social Security Card, Proof of Residence, and Drivers License. Despite these legally sufficient submissions, many of these agencies either failed to respond entirely or falsely claimed I did not provide adequate identification. This is factually inaccurate and a direct violation of FCRA 1681g ( a ), which mandates that consumer reporting agencies must provide a complete copy of a consumers file upon request and proper verification. This pattern of obstruction prevents me from exercising my federally protected rights to access, verify, and dispute any data being collected or disseminated by these entities.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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 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 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX I moved out of the XXXXXXXX XXXX  I paid my rent for the month and checked with the office to make sure that I did not owe any further payments. I have not heard from XXXX since I moved out. I was contacted by Data IQ stating that I owed money. I denied it then they sent me a letter stating that I owed more money, XXXX termination fee. I was on a month to month rent after one year. I sent a certified letter stating that I needed proof that I owed the money. What they sent to me stated that I owed for a termination fee of {$1100.00}. I was credited {$300.00} for the deposit and {$270.00} or moving out before the end of the month. the only charge was {$150.00} for paint. the {$300.00} was forfeit. 
I should not have been charged the {$1100.00} because I was on a monthly fee and gave my notification by XXXX. They did send a copy of the original rent agreement signed in XXXX. After one year we signed on monthly. 
I assumed this was over since I heard nothing further. 
Then I checked my credit score and they had turned it in to XXXX every year. I called and explained the above information. I was told that they would send them information stating that they needed to send me something with my signature on it or they would remove it from my credit report. I received a bill but no further information. 
When I checked today they had rebilled the XXXX 
I called XXXX  and was told that it was never written off and I needed to file a complaint with you. They would not write it off.

I called Data IQ and he said that it looked like I was on a monthly rent but it probably could not be verified by the office because it has been so long. I need to send another certified letter. 
I have also called XXXX and am working on getting the information from them that I was on a monthly rent agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 Services , block information a
ppearing 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 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 XXXXXX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXXXXXX 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, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2300.00}

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Good afternoon, To the select companies in question I did not apply for or use these credit card balances that have appeared on my credit report. Someone has stolen my identity and used my credit to apply for credit cards. Please remove these items off my credit reports thank you. Have a great day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did not open this account. Please permanently remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$210.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I am exercising my rights as a consumer and identity theft victim to request that Experian, XXXX, and XXXX  block and remove all fraudulent account information that resulted from this crime. 
The following accounts must be removed immediately : XXXX. Bank XXXX XXXX Account # XXXX  ( opened XX/XX/XXXX ; current balance {$5000.00} ; XXXX late payment in XX/XX/XXXX ) XXXX. XXXX XXXX, XXXX. Account # XXXX ( opened XX/XX/XXXX ; current balance {$990.00} ; XXXX late payment in XX/XX/XXXX ) XXXX. XXXX Account # XXXX ( opened XX/XX/XXXX ) Experian does not have the authority to determine the validity of my identity theft claimthat determination belongs to law enforcement, and I have already obtained confirmation of this crime. You are required to block and remove the accounts in question from my credit file within 4 business days of receiving this request and accompanying police report, as mandated by federal law.

Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you must : Block the fraudulent accounts from my credit report within 4 business days. 
Not report the accounts to any third party. 
Notify the furnishers of the fraudulent data ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX ) of the block. 
Please confirm in writing once these accounts have been removed. I expect Experian to fully comply with federal law and fulfill its responsibility to protect consumers from the damage of identity theft

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 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Ref # XXXX XXXX Acct # XXXX I dispute this debt in full. No one in my household has ever received care at XXXX XXXX XXXX. I believe this account resulted from error or identity theft. I request validation and revoke consent to telephone contact; please communicate only in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of a XXXX late payment notation recently reported on my credit file for my XXXX XXXX XXXX XXXX. I want to express my sincere commitment to maintaining a positive payment history and would like to provide clarity around this recent issue. 

On XX/XX/XXXX, I made a payment of {$980.00} toward my account. Additionally, an extra payment of {$540.00} was processed the next day on XX/XX/XXXX. On that same day, I spoke with a Mercedes-Benz Financial Services representative named XXXX, who assured me that the payment would be accepted as on time and would not result in a XXXX late mark on my credit report. 

As a responsible customer, I acted promptly to resolve any potential delay and made both payments in full within a days span. I respectfully request that this late mark be removed as a goodwill adjustment, given the circumstances and the assurance I received from your representative. 

A XXXX late mark can have a significant impact on my creditworthiness, and I am doing everything I can to ensure that my account remains in good standing. I value our relationship and have always worked to meet my financial obligations. 

Please consider this request for a one-time courtesy removal. I would greatly appreciate your understanding and prompt resolution. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 Services , 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 XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Attn : Credit Reporting Department Subject : Urgent Request for Investigation and Removal of Inaccurate Late Payment Entries Account # XXXXXXXX XXXX XXXX XXXX XXXX ( Auto Loan ) Dear Ally Financial, I am writing to formally dispute multiple inaccurate late payment notations that have been reported on my credit file regarding the above-referenced auto loan account. 
Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I noticed several inconsistencies and errors related to late payment reporting during the XXXX period. These entries do not reflect the actual payment history on this account and are causing substantial harm to my credit profile, financial goals, and personal well-being. 
I have been a responsible borrower and have made timely payments as agreed. The inconsistenciesespecially the months inaccurately marked as 30 days lateare unjustified, particularly considering that my current payment status is marked as Current across all three credit bureaus. Additionally, these errors persist despite the account reflecting a status of Open and in good standing.

These late payment entries are significantly lowering my credit score and negatively impacting my ability to secure affordable housing and refinance options. As a consumer who takes financial obligations seriously, this situation is not only distressing but also emotionally burdensome. 
I respectfully request that you conduct a full reinvestigation of this account and immediately correct or remove all inaccurate late payment entries from my credit reports. If you are unable to validate the legitimacy of each of these late payments with documented proof, they must be removed as per the Fair Credit Reporting Act ( FCRA ). 
Furthermore, considering the impact this has had on my financial life, I am asking you, as the original creditor, to exercise your discretion and goodwill in removing these negative entries entirelyeven if they were technically valid at one pointunder the Goodwill Adjustment practice. 
Please provide written confirmation of your investigation results and corrective actions taken. I appreciate your attention to this urgent matter and hope to see this resolved swiftly and fairly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 Services , 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 XXXXXXXX XXXX XXXX XXXX  XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have completely broken the law and violate my consumer rights I will not let them get away with this and affect my financial future forever. Im claiming defamation of character and complete violation of the FCRA under XXXX XXXX. XXXX ( failure to re-investigate ) will result in legal escalation under XXXX XXXX. XXXX and XXXX, noncompliance may trigger. 
Statutory damages, actual damages, punitive, damages, and reimbursement of attorney fees.

Company response to consumer: Closed with explanation