vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-04-27 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: CA

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion regarding numerous inaccurate, unverifiable, and misleading accounts. 
Dispute dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

It has now been well over 30 days since the disputes were received. The credit bureaus have failed to : Complete reasonable reinvestigations ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Maintain maximum possible accuracy ( FCRA 607 ( b ) ). 
Suppress, correct, or delete inaccurate information under Metro 2 guidelines.

Avoid updating accounts while under active dispute ( FCRA 623 ( a ) ( 2 ) ( A ) ). Their continued reporting of disputed information is unlawful and reckless. 



Disputed Accounts and Issues : ( briefly listing again to stay tight and aggressive ) XXXX XXXX XXXX ( two accounts ) Not mine, unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX contradictions in status and balance. 
XXXX XXXX XXXX XXXX XXXX XXXX, no contract. 
XXXX XXXX XXXX Conflicting open/closed status. 
XXXX XXXX XXXX Metro 2 violations ( payment history errors ). 
XXXX Unverifiable account ; no original documentation. 
XXXX XXXX XXXX Conflicting delinquency reporting across CRAs.

( Experian, Equifax, and TransUnion reports all affected. ) The credit bureaus continued failure to properly investigate and delete these unverifiable accounts constitutes violations of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ) ( A ).

Should these accounts not be permanently deleted following this CFPB complaint, I reserve my right to pursue private legal action under FCRA 616 and 617 for actual, statutory, and punitive damages resulting from their negligent and/or willful noncompliance.

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 2025-04-27 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: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
Identity theft and false information on following dates and inquiries that are not legally given my concent or did I know anything about until my bank sent me several inquiries alerts via email in a matter of three days. Impacting my credit score and using my information through identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Over the past XXXX XXXX XXXX  ) years, Equifax, Experian, and TransUnion have continuously and negligently reported inaccurate, outdated, and misleading information on my credit reports, despite multiple disputes. They unlawfully shared my personal information with non-affiliated third parties ( XXXX ) in violation of 15 U.S.C. 6802 and 16 C.F.R. 313.7, and improperly used my data for marketing purposes without appropriate consent. I was offered a Destiny Charge card when my credit file was frozen and the social security number was locked.

Their ongoing violations of federal consumer protection laws including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX 12 U.S.C. 5531, 5536, 5565 ), and XXXX XXXX have resulted in an inability to access unsecured credit, financial instability, and severe emotional and psychological distress. 
Notably, these same bureaus have a long documented history of lawsuits and regulatory action for inaccurate reporting and privacy violations, demonstrating a pattern of negligence and willful misconduct. 
I am demanding immediate corrective action, full deletion of inaccurate data, penalties, and monetary compensation for a claim exceeding {>= $1,000,000}. Detailed attachments ( including credit reports and itemized invoice ) are included for review. 

Attachments of previous attempts, credit reports, and a marketing offer from Destiny Charge Card. 

All three ( XXXX XXXX Credit Reporting Agencies Need to be Informed

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Over the past XXXX XXXX XXXX  ) years, Equifax, Experian, and TransUnion have continuously and negligently reported inaccurate, outdated, and misleading information on my credit reports, despite multiple disputes. They unlawfully shared my personal information with non-affiliated third parties ( XXXX ) in violation of 15 U.S.C. 6802 and 16 C.F.R. 313.7, and improperly used my data for marketing purposes without appropriate consent. I was offered a Destiny Charge card when my credit file was frozen and the social security number was locked.

Their ongoing violations of federal consumer protection laws including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX 12 U.S.C. 5531, 5536, 5565 ), and XXXX XXXX have resulted in an inability to access unsecured credit, financial instability, and severe emotional and psychological distress. 
Notably, these same bureaus have a long documented history of lawsuits and regulatory action for inaccurate reporting and privacy violations, demonstrating a pattern of negligence and willful misconduct. 
I am demanding immediate corrective action, full deletion of inaccurate data, penalties, and monetary compensation for a claim exceeding {>= $1,000,000}. Detailed attachments ( including credit reports and itemized invoice ) are included for review. 

Attachments of previous attempts, credit reports, and a marketing offer from Destiny Charge Card. 

All three ( XXXX XXXX Credit Reporting Agencies Need to be Informed

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 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account XXXXXXXX XXXX XXXX account # XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX. As soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
Good day! I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the tremendous anxiety and stress it's causing me. Thank you.

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 2025-04-27 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: NC

Complaint narrative:
I am a victim of identity theft. Someone stole my identity to open up credit credit cards, student loans. I have never gave anyone permission or authorization to open these fraudulent accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
The company responded to a previous dispute, stating that the reporting was accurate. However, they did not provide the proper procedures or basis for their claims, violating 15 USC 1681i7.

Please see the Attachment below.

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 2025-04-27 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:
The company responded to a previous dispute, stating that the reporting was accurate. However, they did not provide the proper procedures or basis for their claims, violating 15 USC 1681i7.

Please see the Attachment below.

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 2025-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/year>, I inadvertently became the victim of an elaborate employment scam. I applied for what I believed was a legitimate remote Administrative Assistant position with " XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. '' As part of the supposed onboarding process, they sent me a check for {$3800.00}, claiming it was for work equipment. 
I deposited this check at Bank of America on XX/XX/year>. On XX/XX/year>, I discovered my mobile banking access was revoked, and upon visiting a branch, was informed that my account had been closed because the check was fraudulent. I had no knowledge that the check was fake when I deposited it. 
The consequences have been severe : Bank of America has reportedly flagged my identity for seven years This flag has prevented me from opening accounts at other financial institutions I have filed a police report immediately and a report with the Federal Trade Commission I am now experiencing significant hardship without access to basic banking services I want to emphasize that I was the victim in this situation, not a willing participant in fraud.

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 2025-04-27 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-04-27 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash app ( Block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specific, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

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 2025-04-27 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-27 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: LA

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 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 2025-04-27 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: NY

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-27 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: NV

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-27 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: NC

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 customers 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 Experians inaction violates federal law in my rights as a customer.

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