vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I FOUND SOME FRAUDULENT ACCOUNTS THAT ARE HURT MY OPPORTUNITY TO HAVE GOOD CREDIT. PLEASE HELP ME REMOVE THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 had no involvement in the creation of these accounts. As they are fraudulent, please remove them in accordance with USC 1681g within the XXXX window. Evidence has been included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
Subject : Experian Failure to Provide Method of Verification and Unlawful Dispute Reopening ( FCRA Violations ) Re : XXXX ACCOUNT To Whom It May Concern, This is a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ). I submitted a lawful Method of Verification ( MOV ) request via certified mail following the conclusion of Experians reinvestigation of a disputed tradeline. 

As of today, 15 calendar days later, I have received no proper response or documentation from Experian. Instead of fulfilling my lawful request for the Method of Verification, Experian chose to treat my request as a new dispute. This was confirmed by the email and dispute status update they sent on XX/XX/2025 ( see attached ). Opening a new dispute when I clearly requested an MOV is a violation of my rights and creates unnecessary delays. This appears to be a stalling tactic. TheMOV should already exist in their system if their team investigated the XXXX account. I was very specific with the request, which should be really available. 

I also filed a CFPB complaint 15 days ago regarding Experians failure to provide the MOV. They have not responded to that complaint either. These actions- or lack thereof - amount to a deliberate obstruction of my rights under federal law. 

The following violations of the FCRA apply in this case : 611 ( a ) ( 7 ) : Failure to provide the Method of Verification within 15 days of request, including the name, address, and phone number of the furnisher. 
611 ( a ) ( 5 ) : Failure to delete information that can not be verified after reinvestigation. 
609 ( a ) ( 1 ) : Failure to provide all information in the consumers file upon written request. 
623 ( b ) ( 1 ) : Failure to correct or delete inaccurate, incomplete, or unverifiable information after receiving notice of a dispute. 
616 and 617 : Willful and negligent noncompliance with the FCRA, which may entitle the consumer to damages. 

Experians attempt to relabel my MOV request as a fresh dispute - rather than simply providing the verification- is a deceptive and unlawful tactic that causes harm and delays justice. Their continued silence, despite receiving valid ID, a 1099 that includes my social security number, a certified MOV request, and a federal complaint, is a breach of legal and ethical obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
An accident was incorrectly reported on my vehicle 's XXXX history. I was not involved in the incident, and my vehicle was mistakenly listed. I contacted the state trooper who originally filed the report, and they confirmed the XXXX was listed in error and have since amended the report. XXXX independently verified the updated information and removed the accident from their records. 

XXXX, however, refuses to do the same unless I personally obtain a copy of the corrected report even though Im not legally allowed to request it because I wasnt involved in the accident. 

I provided the correct case number ( XXXX ) and explained the circumstances. XXXX has declined to verify the correction with the reporting agency themselves. They continue to publish inaccurate information tied to my XXXX XXXX XXXXXXXX ) and have made no effort to correct it despite repeated requests and verification through law enforcement. 

This incorrect accident report has negatively impacted the value and resale of my vehicle and Ive spent significant time and energy trying to fix an issue that originated with XXXX data source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, while in XXXX XXXX XXXX, I was XXXX  and visited a business operating as XXXX XXXX XXXXXXXX XXXX XXXX ( aka XXXX XXXX ). I was charged XXXX XXXX XXXX XXXX {$400.00} USD ) on my American Express card ending in XXXX for what I believed were 3 cocktails and one XXXX XXXX. I was never informed of prices upfront, and never purchased the items listed on the submitted receipt ( including 2 bottles of XXXX XXXX 

I did not sign any receipt, nor was I shown one during the transaction. Later, the merchant submitted to AMEX a falsified charge acceptance form and an itemized receipt with a forged signature. I believe they took unauthorized photos of my ID and credit card to forge these documents after the fact. 

I submitted a sworn statement and police report to AMEX, but they reversed the original favorable outcome after the forged receipt was submitted. Numerous online reviews report similar cases of tourists being overcharged, having cards cloned, and IDs photographed without consent at this business. 

This is identity misuse and consumer fraud. The merchant acted deceptively and submitted fraudulent documents in an attempt to override my valid dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I have never been late on a payment, making this record false. I request that it be removed and my account be accurately updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I DO NOT ACKNOWLEDGE THESE CHARGES DISPUTED WITH NO UPDATE FOR DELETION,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize or have any affiliation with these accounts. I believe they are the result of identity fraud and request both their deletion and a formal investigation. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Lendmark Financial Services
State: VA

Complaint narrative:
According to my XXXX  credit report there is a {$4000.00} personal loan taken out in my name with Lendmark Financial Services in my name. This is the result of identity theft and I do not have a relationship with Lendmark. This occurred in 2023 and I have just become aware of this activity now. Better late than never. I have not contacted them yet due to them only being available by mail which to me is a bad business practice given our digital age. They also do not offer a phone number. Only mail. So I will gather documents to send them mail but it will take a bit of time but I will eventually contact them as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
CFPB CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : 1- PHILLIPS & COHEN ASSOCIATES , LTD . 
REFERENCE # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am a victim of identity theft and discovered that someone fraudulently applied for a loan in my name with Heights Finance without my knowledge or consent. I was notified by mail of a loan I never applied for the letter stated that my first payment of {$98.00} is due on XX/XX/year>, and the total loan amount is {$610.00} for a 9-month term. 
I have never applied for credit with Heights Finance, and I was not even aware of the companys existence until I received this letter. 
I went in person to their office to dispute the case and request more information, but they refused to give me any documents or help me. I then brought a police officer with me, and in front of the officer, the branch manager named XXXX XXXX told me that if I called the main Heights Finance phone number, they could provide me with all the documentation I needed. 
I followed that advice and called the main office, where I was told someone would get back to me within 5 business days but nobody ever called me back. I followed up again later, and they said the same thing : that someone would call me, but I am still waiting. No one has been able to help me and I am still being ignored while a fraudulent account exists under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: SC

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 2025-08-06 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 am formally disputing multiple unauthorized credit inquiries currently listed on my credit report. These inquiries were made without my knowledge or consent and have negatively impacted both my credit score and overall creditworthiness.

I previously contacted your agency about this matter and was assured that these unauthorized inquiries would be removed. However, they remain on my report. This continued failure to take corrective action is unacceptable. These potentially fraudulent inquiries raise serious concerns about identity theft and have caused considerable emotional and financial distress.

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