vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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:
Equifax, XXXX XXXX, and Experian credit reporting bureaus have deliberately ignored the countless disputes I have submitted due to XXXX automotive loan companies being allowed to reinsert false information onto my credit report. This issue is still happening. Equifax, Experian and Transunion have repeatedly failed to do a timely investigation into my disputes, have corrected false information, only to allow the furnishers to add the false information back the following month. They neglected to provide any written letter, or details of their results which leads me to believe thatoat my disputes were ignored and then then I was lied to about any investigation into any of my disputes. 
As a result it has caused severe damage to my credit for close to 7 years. Everything from being turned down countless times for auto loans, home loans, personal loans., high interest rates, denied rental application XXXX, denied business startup loans, high mortgage rates despite having VA loan guarantee. To this day I still can't get approved for a home which will cost me thousands in higher interest rates due to buying years later instead of year earlier. It took me 6 years to finally get approved for an auto loan and presently my score is in the mid XXXX 's due to XXXX XXXX and XXXX XXXX XXXX deliberately allowed to reinsert false misleading and highly damaging information into my credit report without conducting any investigation, providing any details, nor paperwork, taking up to XXXX months or more to respond. explaining their 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 2025-12-04 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:
Equifax, XXXX XXXX, and Experian credit reporting bureaus have deliberately ignored the countless disputes I have submitted due to XXXX automotive loan companies being allowed to reinsert false information onto my credit report. This issue is still happening. Equifax, Experian and Transunion have repeatedly failed to do a timely investigation into my disputes, have corrected false information, only to allow the furnishers to add the false information back the following month. They neglected to provide any written letter, or details of their results which leads me to believe thatoat my disputes were ignored and then then I was lied to about any investigation into any of my disputes. 
As a result it has caused severe damage to my credit for close to 7 years. Everything from being turned down countless times for auto loans, home loans, personal loans., high interest rates, denied rental application XXXX, denied business startup loans, high mortgage rates despite having VA loan guarantee. To this day I still can't get approved for a home which will cost me thousands in higher interest rates due to buying years later instead of year earlier. It took me 6 years to finally get approved for an auto loan and presently my score is in the mid XXXX 's due to XXXX XXXX and XXXX XXXX XXXX deliberately allowed to reinsert false misleading and highly damaging information into my credit report without conducting any investigation, providing any details, nor paperwork, taking up to XXXX months or more to respond. explaining their 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 non-monetary relief
Consumer complaint received 2025-12-04 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:
I am submitting a complaint as a consumer to formally demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items currently reported on my credit report, which are causing significant harm to my creditworthiness and financial stability. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of all disputed information. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), no information that can not be fully verified or legally substantiated may remain on my credit report. 
I am disputing multiple late-closed accounts reported across all three credit bureaus. These accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax ) * * and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} TransUnion ) * *. These accounts are inaccurate, unverifiable, and should be removed immediately. 
I am also disputing multiple charge-off accounts that have been reported without the required 1099-C for debts over {$600.00}, which is a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2. These accounts include XXXX XXXXXXXX XXXX XXXX XXXX  ( {$0.00} Experian, Equifax, TransUnion ) * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} Experian, Equifax, TransUnion ) * *. Because these accounts are unverifiable, they can not legally remain on my credit report and must be removed immediately. 
Furthermore, I am disputing collection accounts reported in violation of FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), as well as 15 U.S.C. 1681c-2, which include SPRINGOAKCAP XXXX XXXX ( {$940.00} Experian, TransUnion ) XXXX XXXX XXXX * ( {$280.00} Equifax ) XXXX XXXX XXXXXXXX * ( {$280.00} Experian, TransUnion ) XXXX XXXX XXXX * ( {$940.00} Equifax ) XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4500.00} Experian, Equifax, TransUnion ) XXXX *. These accounts are inaccurate, unverifiable, and must be removed immediately from my credit file. 
Additionally, I am disputing unauthorized hard inquiries performed in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). These inquiries include XXXX XXXX XXXX XX/XX/XXXX Experian ), XXXX XXXX XXXX  ( XX/XX/XXXX Experian ), XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX Equifax ) XXXX XXXX XXXX XX/XX/XXXX Equifax ) XXXX XXXX XXXX XX/XX/XXXX TransUnion ), and XXXX XXXXXXXX ( XX/XX/XXXX TransUnion ). I did not authorize any of these inquiries, and they must be removed 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 explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
TransUnion, Experian, and Equifax From : XXXX XXXX XXXX Date : XX/XX/year> I am disputing several accounts on my credit report that contain inaccurate information. These errors are negatively affecting my credit score and my ability to obtain fair credit terms. 
Accounts I am disputing : DEPTEDXXXX  student loan accounts ( 7 accounts total ), The late payment histories being reported are incorrect. These accounts show XXXX day late payments that do not reflect my actual payment history. 
XXXX XXXX credit card account - The account closure information is inaccurate and unfairly damages my credit profile. 

I have previously disputed these items, but the inaccurate information continues to appear on my reports with notations stating " dispute resolved - consumer disagrees. '' I am requesting a thorough reinvestigation of each disputed item. 
Under the Fair Credit Reporting Act, I have the right to accurate credit reporting. I am asking each bureau to verify this information with proper documentation or remove it from my credit file immediately. 
I expect a response within 30 days as required by federal law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
TransUnion, Experian, and Equifax From : XXXX XXXX XXXX Date : XX/XX/year> I am disputing several accounts on my credit report that contain inaccurate information. These errors are negatively affecting my credit score and my ability to obtain fair credit terms. 
Accounts I am disputing : DEPTEDXXXX  student loan accounts ( 7 accounts total ), The late payment histories being reported are incorrect. These accounts show XXXX day late payments that do not reflect my actual payment history. 
XXXX XXXX credit card account - The account closure information is inaccurate and unfairly damages my credit profile. 

I have previously disputed these items, but the inaccurate information continues to appear on my reports with notations stating " dispute resolved - consumer disagrees. '' I am requesting a thorough reinvestigation of each disputed item. 
Under the Fair Credit Reporting Act, I have the right to accurate credit reporting. I am asking each bureau to verify this information with proper documentation or remove it from my credit file immediately. 
I expect a response within 30 days as required by federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I am filing a complaint against Exeter Finance due to multiple Truth in Lending Act ( TILA ) and Regulation Z violations in the retail installment contract for my XXXX XXXX XXXX  XXXX, purchased in XX/XX/XXXX. 

I mailed Exeter a written dispute on XX/XX/XXXX, and they received it via certified mail. They failed to respond within the required 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
My phone was stolen, and the thief accessed my Cash App account without my permission. They XXXX my Cash App PIN and sent a total of {$13000.00} in unauthorized transfers, including a {$10000.00} transfer and a {$3000.00} transfer. I had already sent {$2000.00} earlier that week, and my weekly limit was supposed to be {$10000.00}, so Cash App should not have allowed these additional transfers. 

There were also multiple fraudulent money requests sent from my account shortly before the unauthorized transactions. I reported the fraud to Cash App immediately. Cash App told me they would get back to me in 30 days, but they never contacted me again. 

Cash App denied my claim by saying the phone had a PIN, which is not accurate because the thief removed my Cash App PIN and used my stolen phone. Their denial is not a valid reason under Regulation E. Cash App also never provided any investigation documents or explanations, even after I requested them. 

I filed a police report documenting the stolen phone and the unauthorized transfers. I am requesting that Cash App properly investigate this fraud and reimburse the unauthorized {$13000.00} taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 1. CAINE & WEINER. 

A letter was sent to XXXX XXXX XXXX, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
On XX/XX/XXXX, I submitted a certified Identity Theft Letter. I recedived notice that it was delived on XXXX XXXX at XXXX The information listed below appears on my credit report and does not pertain to any transactions conducted by me. It is a result of identity theft : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - CHECKING ACCOUNT - XXXX - UTILITY - XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX - XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that this information be blocked from my credit report, as stipulated in Section 605B of the Fair Credit Reporting Act. beginning 4 business days after receipt of information described in paragraph be removed

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 2025-12-04 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: OK

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Ask company ( XXXX XXXX ) to remove information from my report and the company said they would, and the in the same dispute said they didn't have the proper account number and they had no records of the account even tho they sent me a letter and I included to the cfpb. Also see attached items ( letter from XXXX XXXX, my Id 's CFPB complaint )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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 2025-12-04 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: WA

Complaint narrative:
I am submitting this second-round dispute letter because the inaccuracies on my Experian, Equifax and TransUnion credit report continue to persist despite my previous dispute and the ample time provided for your reinvestigation. I am extremely frustrated to find that Experian, Equifax and TransUnion has allowed several accounts to remain unchanged even though the information being reported is inconsistent, incomplete, or not properly verified by the furnishers. At this point, the ongoing reporting issues directly violate my rights under the Fair Credit Reporting Act, particularly the duty to ensure maximum possible accuracy under 607 ( b ) and the obligation under 611 to conduct a reasonable reinvestigation. I am making it very clear that I expect Experian, Equifax and TransUnion to correct and update all inaccurate information and remove any unverifiable data immediately. 
XXXX XXXX XXXX * Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX ECU XXXX * * * * Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$41000.00}

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 2025-12-04 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief