vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed an FTC report to dispute some fraudulent accounts to Experian at their request stapled to a scan of my state issued drivers license and utility bill to prove my identity and residency. On XX/XX/XXXX experian sent me an email correspondence stating they received my FTC report, but not my proof of identity which was stapled to the FTC report. Experian is now asking me to again mail another copy of my drivers license, copy of a utility bill and to send them sensitive information such as my social security number through the mail which further puts my identity at risk. I believe Experian is being criminally deceptive in its investigative practices and is refusing to accurately report correct information.

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 2025-05-08 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: GA

Complaint narrative:
My Experian credit report also contains several inaccurate late payment entries, including XXXX XXXX XXXX XXXX XXXXXXXX ) dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) dated XX/XX/XXXX, and multiple DEPT OF EDXXXX accounts ( XXXX, XXXX ) with dates including XX/XX/XXXX and XX/XX/XXXX. These entries are incorrectly reported as having past due balances, despite my consistent efforts to maintain my financial obligations. This is a clear violation of 15 USC 1666 and 1666 ( b ), which mandate accurate reporting of account statuses. These inaccuracies have placed a significant strain on my financial well-being, leading to denied credit applications, higher interest rates, and a damaged financial reputation. This ongoing issue is not only frustrating but deeply concerning, as it suggests a potential data breach or mishandling of my sensitive financial information, which has further shaken my trust in the accuracy of the credit reporting process.

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 2025-05-08 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: 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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-05-08 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: EQUIFAX, 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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX  XXXX ) 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 TILA US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I am a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
every months or so Multiple inquiries for auto loans and others where on my credit report without my knowledge im in the military and was at sea for months at a time with no knowledge of these inquiries and account i didnt make those inquiries or account i dispute so many time but those accounts were never removed from my account i even the address on my credit report isnt my correct address.

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 2025-05-08 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: AL

Complaint narrative:
I am writing to dispute the accuracy of my credit file and to notify you of a potential violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to locate my credit report and, despite your acknowledgment on XX/XX/year>2025 that my information was updated, and no credit file exists or the update was not made. This failure suggests a lack of reasonable procedures to ensure the maximum possible accuracy of my credit information. 
Details of the Issue : On XX/XX/year>2025, I requested my credit report from TransUnion, but they stated no file could be located. 
On XX/XX/year>2025, I received a letter through the mail that you confirmed my information was updated to XXXX XXXX XXXX XXXX XXXX, Al XXXX, and my name updated to XXXX XXXX XXXX. However, subsequent attempts to access my report confirm no file exists or the update was not applied. 
Attached, I have included proof of your acknowledgment demonstrating that a credit file should exist. 
This inaccuracy has prevented me from accessing credit opportunities. Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain reasonable procedures to ensure accurate reporting. Their failure to update my file as claimed violates this provision.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-09 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: FL

Complaint narrative:
Its really frustrating to have something showing up that might not even be mine. Im not looking for a vague reply. I just want real answers and for this to be taken care of as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a 0 % APR balance transfer credit card from Citi Bank, where I already have an account with {$17000.00} in savings and a {$15000.00} credit limit. However, I was approved for only a {$500.00} credit limit, which was not enough to take advantage of the balance transfer. I chose not to use the card and contacted the bank to express my dissatisfaction. During that call, a customer service representative ( from their overseas team ) assured me that if I did not use the card, the hard inquiry made on my credit report would be removed.

After receiving the card and confirming I would not be using it, I followed up with the U.S.-based customer service team and requested the removal of the inquiry as promised. They refused and said the inquiry could not be removed, despite what I had previously been told. 

On XX/XX/year>, I received a written email response from Citi Bank that confirms their representative erroneously indicated that we could dispute or remove the credit inquiry and acknowledges that we regret that your conversation with our representatives was not completed to your satisfaction. The bank also stated that because a credit application was submitted, the inquiry is considered valid even though I was misled into believing it could be removed if I did not proceed with the card. 

The bank 's own admission confirms that I was provided inaccurate information which influenced my expectations and decisions.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-08 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: GA

Complaint narrative:
Subject : IMMEDIATE DEMAND FOR FULL DEBT VALIDATION & PERMANENT DELETION OF INACCURATE ACCOUNT UNDER FEDERAL LAW To Whom It May Concern, This letter serves as a final, legally binding demand for full validation and immediate deletion of the following account from all three credit bureaus : Account Name : XXXX  Credit Union Account Number : XXXX You are reporting this account on my credit report. This information is inaccurate, unverified, and in direct violation of multiple federal consumer protection statutes. You are hereby placed on legal notice that : You must immediately cease all collection activity and reporting unless you can validate this alleged debt in full. 

I DEMAND the following documentation under XXXX U.S. Code XXXX ( FDCPA ) : Full accounting of this alleged debt including original principal, all fees, interest, and charges. 

A copy of the original signed agreement with my wet signature proving I owe this debt. 

Proof of ownership of the debt, including full chain of title ( from the original creditor to current collector ). 

Proof of purchase/assignment of the account. 

Detailed breakdown of all transactions ( every item purchased, fee assessed, interest, credit, etc. ) Full chain of custody and assignments from original charge-off to current collection. 

Proof that you were a party to the original contract or assignment agreement. 

Your license to collect debts in the state of Georgia, and any applicable business registration. 

Failure to provide this information renders the account invalid and must result in immediate removal from all consumer reporting agencies ( Equifax, TransUnion, Experian ). 

XXXX XXXX FOR THIS DEMAND : FDCPA XXXX U.S. Code XXXX : You are required to cease collection and provide full verification upon request. 

FCRA XXXX U.S. XXXX XXXX & XXXX : You may not furnish inaccurate data or verify unvalidated debts with the credit bureaus. 

XXXX XXXX U.S. XXXX XXXX : Any unfair, deceptive, or abusive act is strictly prohibited. 

FTC XXXX XXXX U.S. XXXX XXXX : Continued false reporting constitutes deceptive conduct. 

Fields v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Services : Courts have held that debt XXXX must break down the charges that comprise the total amount alleged. 

XXXX XXXX. XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : You may not pursue or report debts without the legal right to collect. 

FDCPA XXXX XXXX XXXX U.S. Code XXXX : You are subject to a statutory fine of {$1000.00} per violation, plus actual damages and attorneys fees. 

FCRA XXXX XXXX XXXX U.S. Code XXXX & XXXX : Willful or negligent noncompliance results in compensatory and punitive damages.

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 2025-05-08 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-09 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: FL

Complaint narrative:
I am writing in regard to my ( 2 ) other previous disputes regarding the charged-off account on my credit report. Despite my efforts to resolve this issue, I have been informed by your agency that the charge-off has been verified by the creditor. However, I strongly believe that this charge-off is reporting inaccurately and violates The Fair Credit Reporting Act. Specifically, the creditor has failed to report the proper date of last activity, which is inconsistent across all credit bureaus. I noticed that the Date of Last Activity ( also referred to as the Date of First Delinquency ) associated with this account appears to be inaccurately reported. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), furnishers of information are legally required to report the actual and correct date of the first delinquency. Reporting an incorrect date is a violation of the FCRA and can unlawfully extend the time negative information remains on my credit report. I respectfully request that you Delete this account immediately as a result of Equifax not doing a proper investigation the first 2 times. As a result of an improper investigation, I would like this Creditor XXXX  Deleted from my credit report As soon as possible or Legal action will be taken. In accordance with the Fair Credit Reporting Act, I request that you provide me with a detailed explanation of your investigation and any changes made to my credit report within 30 days of receipt of this letter. Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am writing to formally request a full investigation into my student loan records in light of recent concerns regarding potential XXXX violations that may have affected my loan eligibility, terms, or disbursement. Under the Family Educational Rights and Privacy Act ( XXXX ), I have the right to the privacy and accuracy of my educational records. 

Upon reviewing my records, I have identified multiple discrepancies and potential misuse of my personal and educational information. These include, but are not limited to : Incorrect delinquency reporting, Inaccurate loan balances, and Improper sharing or handling of personally identifiable information. 

I am requesting a complete investigation and deletion of student loan reporting where applicable, in accordance with XXXX and federal consumer protection laws. I expect written confirmation of the investigation results and any corrections made within 30 days of this notice. 

If this matter is not resolved within the specified time frame, I will have no choice but to escalate by filing a formal complaint with the appropriate federal agencies, including the XXXX Department of Education and Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with non-monetary relief