vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I never applied for credit with these companies, nor did I authorize them to access my credit file. This is a clear violation of my rights as a consumer, and its unacceptableespecially given the stress it continues to add to my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report and to request a thorough review and correction of the matter. 

My credit report currently reflects XXXX new student loan accounts as having been opened in XX/XX/year>. This information is incorrect. I have not opened any new student loan accounts in recent years, and there have been no changes or additions to my federal student loans that would justify this reporting. 

I initiated a dispute with XXXX, but the accounts were marked as " verified '' despite the fact that the reported dates are clearly inaccurate. I have since contacted the Department of Education, requesting that they either correct the incorrect open dates or delete the accounts from my credit report entirely. As of now, this issue remains unresolved. 
This false reporting has had a significant negative impact on my credit score, affecting my financial stability and access to credit through no fault of my own. I respectfully request that this matter be further investigated and that the inaccurate information be corrected or removed to reflect the true status of my student loan accounts. 

Please let me know if any documentation is needed to support this dispute. I appreciate your assistance in helping to resolve this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting agencies have been using my personal information without my written consent, in violation of 15 u.s.c s1681s-2 { b } which mandates that furnishers of information [ including credit reporting agencies, ] must investigate disputes and correct inaccurate information, upon notice. these agencies have failed to fulfill this obligation, continuing to report erroneous data that could negatively impact my creditworthiness and financial standing.

I am formally reporting this matter & requesting this information be deleted and investigated XXXX am pursuing legal actions as a police report hs been filed POLICE REPORT NUMBER XXXX details of incident the inaccurate accounts appearing on my credit report do not belong to me, nor have I ever authorized or opened any of this accounts. 
I have contacted all 3 major credit reporting agencies .multiple times over the past 7months to dispute these inaccuracies.no substantial reports have made .continued report of these fraudulent acc is affecting my creditworthiness and financials

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made repeated attempts to dispute inaccurate information on my Experian credit report. Not only has Experian continued to verify the disputed accounts without providing any proof or method of verification, but they have also blocked me from submitting new disputes through their online portal, which limits my ability to exercise my rights under federal law.

Under 15 U.S.C. 1681i, Experian is required to conduct a reasonable reinvestigation and delete or correct information that can not be verified. Additionally, under 15 U.S.C. 1681g, I have the right to a complete disclosure of all information in my file, including sources of verification. Experian has failed to comply with both. 

I also previously submitted a CFPB complaint, and the response did not include any actual documentation or verification from the original creditors or collectors. Experian is still reporting these items, and I have no way to challenge or correct them due to my account being blocked from access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than 30 days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear?

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than 30 days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear?

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report and to request a thorough review and correction of the matter. 

My credit report currently reflects XXXX new student loan accounts as having been opened in XX/XX/year>. This information is incorrect. I have not opened any new student loan accounts in recent years, and there have been no changes or additions to my federal student loans that would justify this reporting. 

I initiated a dispute with TransUnion, but the accounts were marked as " verified '' despite the fact that the reported dates are clearly inaccurate. I have since contacted the Department of Education, requesting that they either correct the incorrect open dates or delete the accounts from my credit report entirely. As of now, this issue remains unresolved. 

This false reporting has had a significant negative impact on my credit score, affecting my financial stability and access to credit through no fault of my own. I respectfully request that this matter be further investigated and that the inaccurate information be corrected or removed to reflect the true status of my student loan accounts. 

Please let me know if any documentation is needed to support this dispute. I appreciate your assistance in helping to resolve this matter promptly and fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$100.00}

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 2025-07-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-08 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: MO

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-08 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: LA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WA

Complaint narrative:
I run a legal firework business on tribal grounds which does not require a business license or tax form. And I got an email from square saying they deactivated my account with nearly XXXX XXXX dollars in there, all funds are locked until XXXX. I never got a reason for the deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-08 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: NV

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 explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: NV

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I notified TransUnion credit bereau did the correct spelling of my name did he had was incorrect. The correct spelling of her name is XXXX XXXX not how they have it listed in their files, as XXXX XXXX. There is no way for me to correct the error myself. There is no way to get in contact with a real live person to talk to about this issue. I contacted treasure crab Bureau as well too include theCredit report requesting the correct spelling of first and last name as well as sending in verifiable information in to include copy of drivers license, utility bill, and my ssc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I notified TransUnion credit bereau did the correct spelling of my name did he had was incorrect. The correct spelling of her name is XXXX XXXX not how they have it listed in their files, as XXXX XXXX. There is no way for me to correct the error myself. There is no way to get in contact with a real live person to talk to about this issue. I contacted treasure crab Bureau as well too include theCredit report requesting the correct spelling of first and last name as well as sending in verifiable information in to include copy of drivers license, utility bill, and my ssc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: VA

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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Contact called capital one bank for ideal condition of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CarMax, Inc.
State: FL

Complaint narrative:
IM REQUESTING OPEN DATE, CLOSED DATE, DATE OF FIRST delinquency, CHARGE OFF DATE,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Unlawful Reinsertion of Previously Deleted Information Violation of FCRA 611 ( a ) ( 5 ) ( B ) To Whom It May Concern, I am submitting this complaint to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ].

The following accounts were previously disputed and deleted from my credit report, but have now been reinserted without any written notice within five ( 5 ) business days, as required by law : XXXX XXXX Account Number : XXXX Capital XXXX Account Number : XXXX Under FCRA 611 ( a ) ( 5 ) ( B ), a credit reporting agency may not reinsert a previously deleted item unless : 1. The furnisher of the information certifies that the information is accurate and complete, and 2. The consumer is notified in writing within 5 business days of the reinsertion.

I was never provided with : Written notice of the reinsertion The name, address, and phone number of the furnisher A copy of the documentation used to verify and reinsert the accounts This is a clear violation of the FCRA.

I am requesting the following : Immediate deletion of the unlawfully reinserted accounts A copy of the documentation or certification used to justify the reinsertion Written confirmation of compliance within 15 days I respectfully ask the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter, as my rights as a consumer have been violated, and the reinsertion of this information without proper notice has caused me harm. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief