vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
In XX/XX/year>, I submitted formal identity theft disputes under FCRA XXXX ( XXXX U.S.C. XXXX ) to all three credit bureaus. I included a signed FTC Identity Theft Report, my ID, and a written request to block fraudulent accounts, inquiries, and personal information. This was a complete and valid 605B submission.

By law, the bureaus are required to block the disputed items within 4 business days unless they determine the report to be fraudulent. I have solid documentation from XXXX XXXX of them notifying me of the different times my card information was compromised as well as evidence of my information being included in multiple data breaches. I never received any such determination, and yet none of the disputed items have been removed. Instead, I was told that the bureaus are " waiting on the creditor to verify the account. '' This is not how 605B works. Under this statute, consumers are not required to wait for creditor verification ; the bureau must block upon proper documentation. 

Even worse, I am now receiving a wave of stall letters from furnishers, requesting the same FTC Identity Theft Reports and documentation I already submitted to the credit bureaus. These companies are simply buying time while the damage to my credit continues. The result is a frustrating, circular process where no one takes responsibility, and no one complies with the law. 

I took the legal steps required of me. I followed the exact 605B protocol, sent the correct documents, and asked the bureaus to do what federal law requires : block fraudulent information and notify the furnishers. Instead, Im being bounced back and forth between creditors and bureaus, while my credit reports remain unchanged and my rights are ignored. 

This has led to ongoing financial harm, emotional distress, and lost time. I am requesting that the CFPB intervene to enforce FCRA 605B immediately. I want the tradelines and inquiries permanently blocked, the furnishers properly notified, and written confirmation that my identity theft report was received and acted on. 

Consumers shouldnt be forced to relive their identity theft trauma over and over, just because the system is built to delay, deflect, and ignore. I did my part. Its time the bureaus do theirs.

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 2025-06-05 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: FL

Complaint narrative:
Subject : Method of Verification Request under FCRA XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally request the method of verification for the following account that appears on my credit report : Creditor Name : XXXX XXXX Account Type : Utility Account Status : Collection Account Number : XXXX This request is being made under my rights as provided by the Fair Credit Reporting Act ( FCRA ) 611. I respectfully request the following : The method of verification used to confirm the accuracy of this account. 
The name, address, and contact information of the individual or entity who verified the information. 
Any supporting documentation used during the verification process. 

If this account can not be verified according to the FCRA, I request its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. Please confirm in writing that you have received this request and indicate what actions will be taken. 

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 2025-06-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-06-05 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal request for the Method of Verification ( MOV ) under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ) regarding the outcome of a previous dispute I submitted concerning late payments reported by XXXX XXXX XXXX ( Account No. XXXX * * ) * * for the months of XX/XX/year> and XX/XX/year>. 

Your bureau has verified these XXXX late payments ; however, these delinquencies are not reported by Equifax, and I have reason to believe they are inaccurate or unverifiable. 

In accordance with federal law, I am requesting the following : The method used to verify the disputed late payments. 

The name and contact information of the person or organization you contacted during the investigation. 

A description of the procedure used in verifying the accuracy of the information. 

Please consider this letter an extension of my good-faith effort to maintain a truthful and accurate credit profile. 

I appreciate your prompt attention to this matter. Please respond within the time allowed under the FCRA.

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 2025-06-05 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I am filing this complaint against ACIMA Digital FKA Simple for their continued and willful violations of both the United States Bankruptcy CXX/XX/XXXXe and the Fair Credit Reporting Act ( FCRA ) regarding an account that was included in my XX/XX/XXXX bankruptcy filed on XX/XX/XXXX, and XXXX on XX/XX/XXXX. 

Despite being notified of the bankruptcy and provided with dispute documentation throughXX/XX/XXXX, ACIMA has : Illegally reported the account as charged offXX/XX/XXXXdays late during the automatic stay period, which is a violation of XXXX XXXX. XXXX ( a ) ; Reported false payments made in XXXX and XXXX XXXX dischargethat were never made, creating the misleading appearance that I reaffirmed or resumed payments on a XXXX debt, which I did not ; Maintained false delinquency reporting post-discharge, such as XX/XX/XXXXday late statuses, which violate XXXX XXXX. XXXX ( a ) ( XXXX ) ; Repeatedly failed to respond to my lawful requests for verification under FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ) ; Falsely claimed the tradeline is accurate and meets FCRA guidelines while making silent updates and altering statuses, a clear indication of data unreliability and unlawful furnishing. 

Their continued furnishing of this inaccurate and derogatory information is not only harmful to my credit but also a form of post-discharge collection activity. This is unlawful, deceptive, and fundamentally undermines the integrity of consumer reporting standards. I have attached the currentXX/XX/XXXX credit report and just the XXXX pervious before and after disput in support of my claims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 2025-06-05 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage has repeatedly denied Louisiana KP SCRA benefits requested. I am XXXX XXXX and have been since XXXX XX/XX/year> when I enlisted in the state of Louisiana. My legal Home of Record is and has always been the state of Louisiana. I have requested via phone and messaging for benefited to be applied and provided them with multiple documents proving my Home of Record as well as the state provisions. They have erroneously denied me the benefits, even denying them based on the federal provisions of the SCRA. Then cited the wrong Louisiana provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint to report the failure of a consumer reporting agency to provide the method of verification and to uphold its responsibilities under the Fair Credit Reporting Act ( FCRA ). I am writing on my own behalf, as a natural person, and am exercising my right under 15 U.S.C. 1681i ( a ) ( 7 ) to receive a full description of the reinvestigation procedures used to verify disputed items on my credit report.

Despite a previous dispute submitted, I have not received the required documentation or explanation verifying the accuracy of the accounts in question. I believe the continued reporting of these items may violate my rights under 15 U.S.C. 1681e ( b ) and 1681i of the FCRA, which require reasonable procedures to ensure maximum possible accuracy and a complete reinvestigation of disputed information. 

Disputed Items Incorrect Personal Information Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( Reported : XX/XX/XXXX ) Incorrect Personal Information Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( Reported : XX/XX/XXXX ) Collection Account Furnisher : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Collection Account Furnisher : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Addresses # XXXX and # XXXX were repeated more than once in the initial dispute submission. ) Requested Information Under FCRA 15 U.S.C. 1681i ( a ) ( 7 ) I request a full and specific method of verification, including : The name, address, and telephone number of the original creditor or furnisher. 

The name of the individual who verified the information.

Valid documentation used to confirm the disputed items.

A detailed description of the procedures used during the reinvestigation.

An outline of your agencys compliance measures under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy in all data reporting.

Legal Noncompliance and Remedy Sought If you can not produce the requested verification or documentation, I am requesting the immediate deletion of the inaccurate and unverifiable items from my credit report, in accordance with : 15 U.S.C. 1681e ( b ) Duty to follow procedures ensuring accuracy, 15 U.S.C. 1681i ( a ) ( 5 ) Obligation to delete unverifiable data, 15 U.S.C. 1681i ( a ) ( 7 ) Right to receive method of verification.

Failure to comply will result in civil liability under : 15 U.S.C. 1681n Willful noncompliance, 15 U.S.C. 1681o Negligent noncompliance.

Next Steps If this matter is not properly addressed within the legal timeframes, I will file additional complaints with : The Consumer Financial Protection Bureau ( CFPB ), My State Attorney General, The Federal Trade Commission ( FTC ), And consider pursuing legal action for damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CT

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 non-monetary relief