vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed an identity theft report and submitted it to all three major credit bureaus : XXXX, Experian, and Equifax. XXXX  properly reviewed my claim and removed multiple fraudulent accounts from my credit report. 

Experian and Equifax, despite receiving the same documentation, failed to take appropriate action. They continue to report inaccurate and fraudulent accounts, which are damaging my creditworthiness. 

I am requesting that the CFPB require Experian and Equifax to immediately remove all fraudulent and inaccurate information from my credit report without further delay or reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased a {$100.00} Vanilla Visa gift card. When I went to activate and use it a few days later, I found that the entire balance had already been spent on three unauthorized purchases from a company called XXXX. I did not make or authorize these transactions and have not been able to use the card at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite multiple disputes filed regarding inaccurate and unverifiable information on my credit report, all three bureaus have continued to list several accounts as verified without providing any proof of investigation, method of verification, or supporting documentation ( such as billing receipts or account ownership evidence ).

The following accounts are inaccurately reporting late payments, which is misleading, damaging to my creditworthiness, and unsubstantiated : These accounts continue to appear on my Experian, TransUnion, and Equifax credit reports under derogatory or late payments, even though I have not received any verifiable information or supporting documentation from the credit bureaus or furnishers proving their legitimacy.

Under 15 U.S.C. 1681i of the FCRA, the credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of any item on their credit report. Furthermore, 1681e ( b ) mandates that only accurate and verifiable information be reported. Their failure to remove these late payments and provide proper validation is a direct violation of these statutes. 

Additionally, by continuing to furnish unverifiable and inaccurate information, the credit reporting agencies and data furnishers are in violation of provisions under the FDCPA, particularly as it relates to false representation of a debt, and failure to cease collection/reporting activity after a dispute under 15 U.S.C. 1692e and 1692g. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relief Sought : Immediate deletion of all the above-referenced late payment on my accounts from my credit reports across all three bureaus ( Experian, TransUnion, and Equifax ).

A detailed explanation and documented proof of the investigation process used for each disputed item. Verification of method.

Compensation for damages and emotional distress caused by false reporting and failure to comply with federal law.

An assurance that the agencies will implement better compliance practices to ensure adherence to the FCRA and FDCPA.

Please consider this a formal complaint and an urgent request for investigation. I would appreciate your swift action in holding these agencies accountable and ensuring my rights as a consumer are protected under 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite multiple disputes filed regarding inaccurate and unverifiable information on my credit report, all three bureaus have continued to list several accounts as verified without providing any proof of investigation, method of verification, or supporting documentation ( such as billing receipts or account ownership evidence ).

The following accounts are inaccurately reporting late payments, which is misleading, damaging to my creditworthiness, and unsubstantiated : These accounts continue to appear on my Experian, TransUnion, and Equifax credit reports under derogatory or late payments, even though I have not received any verifiable information or supporting documentation from the credit bureaus or furnishers proving their legitimacy.

Under 15 U.S.C. 1681i of the FCRA, the credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of any item on their credit report. Furthermore, 1681e ( b ) mandates that only accurate and verifiable information be reported. Their failure to remove these late payments and provide proper validation is a direct violation of these statutes. 

Additionally, by continuing to furnish unverifiable and inaccurate information, the credit reporting agencies and data furnishers are in violation of provisions under the FDCPA, particularly as it relates to false representation of a debt, and failure to cease collection/reporting activity after a dispute under 15 U.S.C. 1692e and 1692g. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relief Sought : Immediate deletion of all the above-referenced late payment on my accounts from my credit reports across all three bureaus ( Experian, TransUnion, and Equifax ).

A detailed explanation and documented proof of the investigation process used for each disputed item. Verification of method.

Compensation for damages and emotional distress caused by false reporting and failure to comply with federal law.

An assurance that the agencies will implement better compliance practices to ensure adherence to the FCRA and FDCPA.

Please consider this a formal complaint and an urgent request for investigation. I would appreciate your swift action in holding these agencies accountable and ensuring my rights as a consumer are protected under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX  Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and XXXX. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX  XXXX XX/XX/year>

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report please remove these accounts they are hurting my ability to obtain credit.

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 2025-06-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year>. I bought the used car from the dealer called XXXX. I had XXXX score on my credit, but Ally put me into 17.65 % rate for 60 months. 
I saw online information, that is about ally put higher loaning rate on certain group of races, and I am XXXX, and I think I got charged by them extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: UT

Complaint narrative:
I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE & DESIST OF FALSE 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 non-monetary relief
Consumer complaint received 2025-06-09 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: UT

Complaint narrative:
I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE & DESIST OF FALSE REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was the victim of a tech support scam where a scammer impersonated XXXX support. They convinced me to give them remote access to my laptop, during which they accessed my saved financial information. They transferred money from my Navy Federal Credit Union account to my XXXX XXXX, then stole the money. I reported the fraud and filed two claims with N

avy Federal, one was denied and the other one was denied. I also filed one with cash app and it was denied. I am now waiting to see if they deny my second claim so I can file a third claim, but I am requesting CFPB intervention due to the financial harm I have experienced and the lack of protection as a consumer. I did not authorize these transactions. I am also reporting this incident to the FTC. I would like Navy Federal to take full responsibility for the fraudulent activity and return my stolen fund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Equifax Data Breach Dispute Demand for Immediate Deletion of Fraudulent Account Based on CFPB Action To Whom It May Concern, I am formally disputing the presence of the following account on my credit file, which I believe is the result of identity theft stemming from the Equifax data breach : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$23000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5500.00} XXXX. XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX XXXX {$11000.00} XXXX. XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$12000.00} XXXX. XXXXXXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX  XXXX {$17000.00} XXXX. XXXXXXXX XXXX XXXX {$2100.00} XXXX. XXXXXXXX XXXX XXXX {$17000.00} XXXX. XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX {$39000.00} XXXX. XXXXXXXX XXXX  XXXX {$25000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX {$25000.00} XXXX. XXXX XXXX XXXX XXXX {$50000.00} XXXX. XXXX XXXX {$0.00} As you are well aware, the Equifax breach in 2017 exposed sensitive personal data for over XXXX XXXX Americans, including critical identifiers such as Social Security numbers and credit card information. Given the nature and suspicious origination of this account, I have reason to believe it was fraudulently opened without my authorization using compromised information from that breach. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to dispute this account and demand its immediate and permanent deletion from my credit file.

Additionally, the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian reinforces my demand. The CFPB alleged that Experian has failed to properly investigate disputed information and has continued to report unverifiable or inaccurate data violations that directly harm consumers, especially in cases involving identity theft from known data breaches. 
Based on the above, I am demanding the immediate deletion of the account in question. If you can not prove this account was lawfully opened with my full authorization, it must be removed in accordance with federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-08 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: GA

Complaint narrative:
On XX/XX/year>, I sent a Method of Verification ( MOV ) request to TransUnion by certified mail regarding a disputed account from XXXX XXXX XXXX. I requested the name, address, and telephone number of the data furnisher, as well as a detailed description of the reinvestigation procedures used, and copies of any documentation relied upon in verifying the account, as outlined under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

On XX/XX/year>, I received a letter from TransUnion stating that the account was verified as accurate and updated, but they failed to provide the information I legally requested. Their response did not include any documentation, did not explain how the account was verified, and failed to provide proper contact information for the data furnisher beyond a mailing address. 

Because TransUnion failed to comply with my Method of Verification request and continues to report the account without proper verification, I sent a follow-up demand for deletion on XX/XX/year>. As of today, they have not responded to that letter either. 

I am filing this complaint because TransUnion has failed to fulfill their obligations under the Fair Credit Reporting Act and is continuing to report unverifiable 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 2025-06-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/year> {$3700.00}

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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/year> {$3700.00}

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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whatever a Consumer reporting agency prepares a consumer report. It shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information dispute
d by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been notified of deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : 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 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