vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, you are obligated by law to remove the item from my credit report.

I have submitted a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I respectfully demand that you take immediate action to delete or block the disputed items to prevent further escalation.

If you fail to verify the item as required by the FCRA and continue to report it, I will have no choice but to pursue legal remedies. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of this statute is enclosed for your reference.

Be advised that under this provision, I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court in my jurisdiction. I trust you will address this matter promptly and in good faith.

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 2025-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-05-06 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * Balance : {$6300.00} XXXX  XXXX * * * * * * Balance : {$19000.00} XXXX XXXX * * * * * * Balance : {$2900.00} XXXX OF XXXX * * * * Balance : {$2000.00} XXXX XXXX * * * * * * * * * * Balance : {$1300.00} XXXX XXXX XXXX * * * * Balance : {$1400.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX * * * * * * * * * * Balance : {$2800.00} XXXX CARD XXXX * * * * Balance : {$11000.00} XXXX  XXXX * * * * * * * * * * Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2025-05-06 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * Balance : {$6300.00} XXXX  XXXX * * * * * * Balance : {$19000.00} XXXX XXXX * * * * * * Balance : {$2900.00} XXXX OF XXXX * * * * Balance : {$2000.00} XXXX XXXX * * * * * * * * * * Balance : {$1300.00} XXXX XXXX XXXX * * * * Balance : {$1400.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX * * * * * * * * * * Balance : {$2800.00} XXXX CARD XXXX * * * * Balance : {$11000.00} XXXX  XXXX * * * * * * * * * * Balance : {$1500.00}

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 2025-05-06 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 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 2025-05-06 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: CT

Complaint narrative:
I previously disputed XXXX account ( XXXX XXXX XXXX with Trans Union , Equifax and Experian regarding incorrect dates, amounts and account numbers being reported. Account number XXXX XXXX XXXX XXXX XXXX listed on Trans Union and Experian. Account number XXXX XXXX XXXX XXXX XXXX listed on Equifax. Each bureaus noted that the dispute is resolved. I still disagree and they are still reporting inconsistent and incorrect information. 
See attached screen shots of the account from my credit 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 non-monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
An unscrupulous XXXX XXXX employee used my personal information without my authorization to have multiple companies pull my credit report. XXXX XXXX, XXXX, a holding company for XXXX XXXX, used data mining methods to sell my personal information unauthorized third parties, XXXX XXXX and XXXX XXXX XXXX for an automobile loan. 

XXXX XXXX, XXXX sent a notice dated XXXX XX/XX/XXXX with reference number XXXX where the company denies an automobile loan that it claims that I applied through XXXX XXXX, XXXX. XXXX XXXX company did not provide disclosures that specifically stated XXXXXXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX would use my personal information to pull my credit report for an automobile loan. 

I learned the following background information about XXXX XXXX and XXXX XXXX XXXX : XXXX XXXX is a company currently facing class action lawsuit that the company colludes to deceive consumers by raising vehicle prices to cover hidden finance charges. XXXX XXXX XXXX had a formal complaint, filed on XX/XX/XXXX, alleged that Defendant XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX violated the Servicemembers Civil Relief Act ( SCRA ), by unlawfully rejecting ten ( 10 ) requests from qualified servicemembers to terminate their motor vehicle leases early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I previously disputed XXXX ( XXXX XXXX XXXX ) account with Trans Union and Equifax regarding incorrect dates being reported. Account number XXXX * * * *. Each bureaus noted that the dispute is resolved. I still disagree and their still reporting inconsistent and incorrect information. 
Please see two ( 2 ) screen shots of the account from my credit report attached.

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 2025-05-06 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Once again my dispute was denied by Chexsystems and I received the letter showing XXXX XXXX XXXXXXXX is UNPAID but I received a letter from XXXX XXXX the balance is paid in full and I need again for this dispute to be open again and I will upload proof of the letter and I paid this balance if {$430.00} is paid in full. I dont owe this debt anymore please update this ASAP. I dont like this bank and I dont want do business with them ever again. I dont owe this. I will enclose this letter I just received in the mail on XX/XX/scrub>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 2025-05-06 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability agai
nst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability agai
nst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
For over a year, I've requested that banking institutions such as XXXX XXXX, Citibank, XXXX, XXXX XXXX XXXX  open my savings and checking accounts ; all have denied me without justification. Although I was able to validate my identity with my ITIN at some of these companies, they refused to open the requested accounts or accept me as a customer. And recently, since I was assigned my Social Security number and reapplied for it, the results have been the same, which is why I am filing this complaint.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to this breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me and have no legal standing, yet they remain on my report, severely damaging my credit profile.

This situation is not only a violation of my personal security but also a direct breach of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and USC Title 15, Section 1681. Despite my ongoing efforts to rectify these inaccuracies, they continue to persist, further exacerbating the issue and undermining my confidence in the accuracy of my credit report.

The presence of these fraudulent accounts and inquiries raises grave concerns about the security of my personal information and the integrity of the credit reporting system. These accounts, which I did not open and inquiries I did not authorize, directly violate my rights as a consumer. Under FCBA and FCRA, I am entitled to dispute and remove any information that is inaccurate, incomplete, or fraudulent.

In accordance with USC Title 15, Section 1681 and the FCRA, conduct a comprehensive and immediate investigation into these discrepancies. These unauthorized entries must be removed from my credit report without delay. Failure to address this matter within the statutory timeframe of 30 days will result in further legal action, as permitted by both the FCRA and the FCBA.

As per the FCRA, I also request that you provide me with a written update on the status of your investigation and the results of any corrections made. I am further requesting a free copy of my updated credit report once the dispute has been resolved.

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 2025-05-06 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XX/XX/XXXX( Original Creditor : ) XXXXXX/XX/XXXX Balance : {$1600.00} XX/XX/XXXX( Original Creditor : ) XXXXXX/XX/XXXXBalance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information identified as the result of a data breach must be deleted or blocked within four ( 4 ) business days of receiving this letter. If verification can not be completed, the item must be removed from my credit report in accordance with federal law. 

I have submitted a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I formally request that you take immediate action to delete or block the disputed items to avoid further escalation. 

Failure to verify the item as required under the FCRA, while continuing to report it, will leave me no choice but to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is enclosed for your reference.

Please be advised that I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court within my jurisdiction. I trust this matter will be addressed promptly and in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation