vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have inquires on my credit report that I did not authorize

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 2025-04-29 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: TX

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding inaccurate and invalid information being reported on my credit file. I am writing to reiterate that the following items remain falsely reported and unverified on my credit report, despite my prior request for correction under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I am writing XXXX address the ongoing inaccuracies on my credit report. Despite previous attempts XXXX dispute the following items, they remain unresolved, significantly impacting my ability XXXX obtain credit. I am entitled XXXX monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies XXXX notify consumers of the results of reinvestigations within XXXX business days after completion. You failed XXXX  correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) XXXX Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) XXXX XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing XXXX comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related XXXX debt collection. Any continued failure XXXX address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due XXXX  violations of FDCPA XXXX XXXX ( False and Misleading Representations ) XXXX These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I am writing XXXX address the ongoing inaccuracies on my credit report. Despite previous attempts XXXX dispute the following items, they remain unresolved, significantly impacting my ability XXXX obtain credit. I am entitled XXXX monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies XXXX notify consumers of the results of reinvestigations within XXXX business days after completion. You failed XXXX  correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) XXXX Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) XXXX XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing XXXX comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related XXXX debt collection. Any continued failure XXXX address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due XXXX  violations of FDCPA XXXX XXXX ( False and Misleading Representations ) XXXX These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2025 I awake to no lights in my home on a XXXX  morning, therefore I had to wait until XXXX  XX/XX/2025 to take off from work and go to Bank of America to get a statement printed out because XXXX  XXXX was close until then. I had just paid XXXX  XXXX that XXXX XX/XX/2025 and they say I was in the negative of {$700.00}. XXXX dollars that I trust Bank of America who represent me that they insure all of they customer money no matter what, and they have not yet credit my account until the finish investigating. I got in touch with the specialist from Bank of America through my app and on another phone I had XXXX  XXXX so me and the representative at the bank was able to discuss the issue with both companies. Once XXXX  XXXX stated that the did not receive the money, that me and Bank of America need to take it up with XXXX  XXXX XXXX XXXX XXXX XXXX, that is when Bank of America should have credit my account for the {$700.00} dollars and got they money from XXXX XXXX. The told me I that XXXX  XXXX have 45 days to answer the dispute that is when I pull out the letter XXXX  XXXX mail me and sent me a text that Bank of America representative fax to the specialist of Bank of America. I also inform them that I have an elderly at home that has a medical condition / Respiratory on a CPAP machine as of today lights still out. Bank of America really disappointed me left me out in the cold stating that the merchant denied my credit and that was al they could do. I beg the difference I had to more dispute for the same time but lessor amount they credit both, so I ask them is it because of my low credit score or because I do not have a lot of money in my account. the answer was that have nothing to d with it I think it do, any amount of money in your account the say they insure so where is my money?

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 monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 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 2025-04-29 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-29 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-29 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: PA

Complaint narrative:
TranUnion, Re : Formal Dispute of Accounts : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I am writing to again dispute inaccurate and damaging information appearing on my credit file. This is my FOURTH request regarding these accounts. You have repeatedly lied to both me and the CFPB by falsely claiming that you verified this debt, when it is clear that no proper verification was ever conducted. 
You have repeatedly lied about verifying these accounts. You have not properly verified anything as required under the Fair Credit Reporting Act ( FCRA ). Furthermore, you failed to respond to my dispute from XX/XX/year> within the mandatory 30-day timeframe, which by law requires immediate deletion of the disputed items. 
Additionally, a formal complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ), and you are now required to respond truthfully and completely to their investigation. A copy of this letter and complaint has been submitted as evidence of your ongoing mishandling and deceptive practices. 
The accounts at issue are : XXXX. XXXX XXXX XXXX XXXX XXXX  Settled through XXXX XXXX XXXX Under the settlement terms, the account should be either waived or the tradeline deleted. Enclosed is documentation supporting this. 
XXXX. XXXX XXXX XXXX ( collecting for XXXX  XXXX ) Settled through XXXX XXXX XXXX. Despite settlement, you continue reporting this incorrectly and allowing a company that engages in harassment and threats to collect on a settled debt. Documentation enclosed. 
XXXX. XXXX XXXX XXXX ( collecting on a XXXX XXXX debt ) Settled through XXXX XXXX XXXX. XXXX XXXX has no legal right to collect or report this debt. Documentation enclosed. 
As part of the settlements you received notice of : The debts were waived ( no longer owed ) or The tradelines were to be deleted. 


THESE ACCOUNTS SHOULD NOT APPEAR ON MY CREDIT REPORT. 


It is illegal to send these debts to any collections agency after settlement. 


Failure to correct and delete these entries is a violation of the FCRA and FDCPA. 
Action Demanded : Immediately remove all three accounts. 


Confirm removal in writing within 30 days. 


Provide a full report of your investigation as required by law. 


If you do not comply, I will escalate this matter with additional regulatory bodies and pursue further legal action as necessary. 
Sincerely, XXXX XXXX Enclosures : Copies of Settlement Agreements Credit Report Pages Highlighting Errors CFPB Complaint Filing

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-29 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: AK

Complaint narrative:
TransUnion is reporting a late payment for the account XXXX - XXXX * * * *. This account is showing a past due status despite the balance being {$0.00}, which strongly suggests that this may be a reporting error. Additionally, under 15 U.S. Code 1666b, a creditor must provide a reasonable amount of time for consumers to make timely payments, and I was never informed of any delinquencies that could have led to a late status. Furthermore, considering recent concerns of compromised data, I believe this may be linked to a breach impacting the integrity of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: SC

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 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 2025-04-29 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 
) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
A representative from IQ Data XXXX named XXXX contacted me at XXXX CST and informed me of a debt collection from my apartment building. He told me that I had to pay immediately or else I would have my credit score negatively affected. I asked him if I could dispute me the charges, and he said that wouldnt do you any good, saying that all he had to do was report that I didnt pay today and negatively affect my credit score. I asked if could provide proof of the damages ( move out fees ) so I could review them. He said that although he didnt have any pictures or videos, he did have a notice from the leasing office he could provide me, but only if I agree to pay today over the phone. He said that I have other people to talk to, other people who care about their credit scores as a tactic of intimidation. It was at this point that I asked for his license number, and after a long silence he sent me the email with the relevant information. The email he sent was under another persons name, and I asked the agent again ( who told me his name was XXXX ) to send me his license number. I told him he was required by federal law to do so. He said I swear to XXXX XXXX the next numbers out of your mouth better be a credit card that starts XXXX, XXXX, or XXXX, or else were done here. When I did not provide this, he hung up without giving me his license number.

Company response to consumer: Closed with explanation