vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
Theres information published on my credit report that was obtained unlawfully. The state of Michigan does not report directly to the credit bureaus. Ive asked where they are getting this information from but they will not respond. I have not given any consent to publish any of my personal information. This is defaming and highly stressful.

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 2025-08-28 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: MI

Complaint narrative:
Theres information published on my credit report that was obtained unlawfully. The state of Michigan does not report directly to the credit bureaus. Ive asked where they are getting this information from but they will not respond. I have not given any consent to publish any of my personal information. This is defaming and highly stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} UNAUTHORIZED MEDICAL BILL - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Axiom Acquisition Ventures, LLC
State: CA

Complaint narrative:
Im reaching out regarding my credit report. I recently contacted XXXX XXXX XXXX XXXX, but they advised me that I would need to reach out to you, Axiom, directly for an update. I also included XXXX XXXX XXXXXXXX since they were helpful and provided the resolution letter. 

To be transparent, the only reason Im contacting you is because they directed me to do so otherwise, I wouldnt have filed a complaint. To be clear, this is not a complaint about your company ; Im simply hoping you may be able to help.

Since my account has been settled ( see attached settlement letter ), I kindly request that the bureau reporting be updated. Specifically, I am asking that the Pay Status / Remark be updated to reflect Settled.

Just to clarify, I am not requesting removal of the account from my credit report only that the remark be corrected to accurately reflect the settled status.

Thank you very much for your assistance. Please let me know if you need any additional documentation from me to complete this update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
On a prior date, the account XXXX XXXX XXXX, Account Number : XXXX was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report Number : XXXX ), which confirmed that the account was reported without my authorization or consent.

Recently, this same account was unlawfully reinserted into my credit file. The credit reporting agency TransUnion stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within five ( 5 ) business days of the reinsertion, as required by FCRA 611 ( d ).

No such certification or notice was provided. This also violates FCRA 605B, which mandates the blocking of identity theft-related information within four ( 4 ) business days after receipt of an official FTC Identity Theft Report, and FCRA 623 ( a ) ( 3 ), which requires furnishers to update or correct previously disputed information.

The reinsertion occurred without any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information.

This unlawful action has caused measurable and documented harm, including : A significant decrease in my credit score The disruption of a pending mortgage application Financial and reputational damage to my credit profile I have made multiple good-faith attempts to resolve this matter directly with TransUnion, but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under 15 U.S.C. 1681n and 1681o.

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 2025-08-28 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the re-insertion of an account that was previously removed from my credit report * * in violation of * * 15 U.S.C. 1681a-5 ( Fair Credit Reporting Act, FCRA ) * *. Your agency has * * failed to follow the proper procedures for re-inserting previously deleted information * *, and I am demanding immediate corrective action.

According to 15 U.S.C. 1681a-5 ( FCRA Section 611 ( a ) ( 5 ) ( B ) ), if an account that was previously removed is later reinserted, the credit bureau * * must provide written notification to the consumer within five ( 5 ) business days * *, including the name of the data furnisher and certification that the information is accurate.

I have * * not received any such notification * *, and therefore, this re-insertion is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-28 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NM

Complaint narrative:
I got a call today from US Bank stating that they have a request to open a credit card in my name and they wanted to confirm it. They had the last XXXX digits of my SS number and used my work phone number to contact me. The person on the phone sounded like he was from XXXX and his XXXX was not good but passable. I told him to give me the rest of my SS number so I knew he had it and he declined saying banks will not give out an entire number. I told him that I have never dealt with US Bank and I never use my work number in documents unless they are pertaining to my business. I told him I did not apply for any credit cards from any bank. He then said he will decline the application and that he wanted me to stay on the line and he was going to transfer me to someone else to talk to. I said I could not talk now and he wanted me to schedule a time he could call back just so that he could transfer me to another person. I asked who was the other person and he said I could be a victim of identity theft and he was going to connect me with the Consumer Financial Protection Bureau. I told he why would I need him to call me back just to be connected to the Bureau. I said I do not trust who you say you are and would not trust any person he connected me to because I could not verify them. So I am reaching out to you to inform you of what has transpired and see if I need to do anything else other than what I have just done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MO

Complaint narrative:
information reported to consumer reporting agencies. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), data furnishers must ensure that information they provide is complete and accurate. 
Upon careful review of my credit report, I identified the following concerning entries : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : 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 2025-08-28 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: MO

Complaint narrative:
information reported to consumer reporting agencies. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), data furnishers must ensure that information they provide is complete and accurate. 
Upon careful review of my credit report, I identified the following concerning entries : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
T

he reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeap filed a UCC lien on my Texas homestead in XXXX when solar panels were installed. I filed XXXX XXXX bankruptcy in XX/XX/XXXX, and the related debt was discharged in XX/XX/XXXX. Although the lien was filed before the bankruptcy, Texas law prohibits this type of lien against homestead property. After installation, I contacted XXXX ( the company who installed them ) repeatedly by phone and email for months because my electric bill went up dramatically not down as promised. Multiple technicians came out, but the company ultimately refused to correct the issue. My electric bills have remained higher with the panels. Additionally, the installer sat at my kitchen table and explicitly told me there would be no lien, which was untrue. Now that Im under contract to sell my home, the lien is blocking the sale, and the title company is requiring its release. I contacted GoodLeap, and they refused to release the lien unless I pay the discharged balance or have the buyers assume the loan. This is both a violation of the federal bankruptcy discharge and an improper use of a lien under Texas homestead protections. I am requesting immediate removal of the lien and a formal investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IA

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be at the highest level of accuracy. These errors are weighing heavily on me and continue to affect me negatively in ways you can not begin to imagine. These are difficult times for me, and it would be a great help, truly a blessing, if these inaccuracies are corrected and/or removed.

Company response to consumer: Closed with explanation