vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
applied for new XXXX XXXX the old was canceled by XXXX Co said XXXX  no good after XX/XX/year> so I applied where they suggested XXXX was turned down tatd to many inquires it was where car dealership was trying for lower interest and bought XXXX cars when wrecked mine did not like either to small and the equip on XXXX my old dealership found me a XXXX XXXX  like my other XXXX tried with XXXX XXXX  for instereate and other place so got me thru XXXX XXXX XXXX  this XXXX stated in report to many inquires in last XXXX  month plus got hacked on my XXXX  XXXX time so guess they called in checking to many accunts with balance the XXXX  I had balance are paid full amount every month don't all come due same time so varies when they checked all less then {$1000.00} XXXX XXXX have no idea who it is with a {$440.00} balance paid monthly as Fxperian who are they no answer I have no monthly except the car & utility bills. checked for credit for XXXX XXXX had to get card after he passed and captial checked was hacked no consideration from Experian also in XXXX from this bnk it said INSUFFICIENT FILE.REASON CAR LOAN SO HIGH OTHER XXXX CARS HAD A BALANCE TACKED TO THIS 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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I satisfied the auto loan on XXXX XX/XX/XXXX for my XXXX XXXX XXXX. Truist sent me a letter on XXXX XX/XX/XXXX, the letter was a lien release and also stated that the title will be sent to me by the state of West Virginia. I called Truist to dispute this as West Virginia does not hold the title and is held by the lien holder. The person I spoke with could not understand what a title is as they kept saying that it was sent to me. Eventually they say said they would expedite the title. In the meantime, I contacted the West Virginia DMV and they verified that do not have the title but I could request a duplicate title, for a fee. After visiting the DMV I learned that West Virginia can not not issue a title because it was a registration only title when I registered the car. Truist only sent them a copy of the title back in XXXX of XXXX when I moved to West Virginia. I then called the DMV in Oklahoma, where we previously lived, and they also do not hold the title. The title is held by the lien holder, Truist, they also verified that they mailed the title to Truist in XXXX of XXXX. I again called Truist with this information and eventually had to demand a supervisor since they individual could not comprehend what a car title is and would only follow her script. On XXXX XX/XX/XXXX I was finally able to talk to a supervisor and she was also confused. After about XXXX minutes on the phone, she called the West Virginia DMV and told me again that I can contact them for a duplicate title. I told her this was incorrect and she again put me on hold again at which point I was disconnected. I called back and demanded the same supervisor and they said they can't transfer me to the same person. So, I had to start all over again. I repeated my question over and over again as to why they can't find the title to my car and no one would even attempt to answer the question. While I was on the phone the first supervisor called me and left a voicemail changing her original statement and now told me I need to go to Oklahoma DMV for a title. I have had numerous cars with numerous car loans and the lien holder has always mailed me the title. For some reasons Truist does not have a process to manage car titles and distribute them after the loan is satisfied. Instead, they lose or destroy the title and leave it to the consumer to figure how they get a title of the car they own. The lien holder should have a process in place to control car titles for loans and to send this title to the consumer after the loan is satisfied.

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 2025-07-25 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: TX

Complaint narrative:
Company ignored the federal rule change, and simply accepted the collection agencys word that the debt is valid without considering that it shouldnt be on your report at all under the new law. TransUnion refused to remove medical debt that is no longer allowed to appear on consumer credit reports under the CFPBs January 2025 final rule. I submitted documentation confirming this is medical debt, yet they verified it as accurate instead of removing it.

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 2025-07-25 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights 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 2025-07-25 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-25 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: CA

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 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 2025-07-25 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:
Immediate reinvestigation and permanent deletion of the inaccurate late payment reported by XXXX XXXX  ( Account Number : XXXX ), unless TransUnion or the creditor can provide documented evidence that I was properly notified of the due date and given a chance to resolve the issue before the late payment was reported. 

If proper notice can not be verified, I request full removal of the late mark in accordance with FCRA 1681i ( a ) and 1681e ( b ). 

Provide written confirmation that this negative mark has been removed, and issue an updated copy of my credit report reflecting the correction within XXXX business days. 

This resolution is fair and lawful under the Fair Credit Reporting Act, which requires all reported data to be accurate, complete, and verifiable.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Supreme Solutions
State: MN

Complaint narrative:
I offered to pay a charge off. They said they interest will start to accumulate when my account becomes active. I signed a contract with a fixed interest rate. Don't really know if this is legal or not

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights 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 2025-07-25 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 recently review a copy of my credit report and noticed that I had fraudulent accounts on my report please remove these accounts from my report. 

XXXXXXXX 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 explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a written identity theft dispute to TransUnion, Equifax, Experian under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including : A police report My FTC Identity Theft Report A letter identifying fraudulent accounts Proof of identity TransUnion & Equifax received my dispute package on XX/XX/XXXX, via certified mail ( tracking documentation is attached ). 

Per federal law, TransUnion & Equifax was required to block the fraudulent information within four business days of receiving the documentation. 

As of today, XX/XX/XXXX, TransUnion & Equifax has not blocked the items, and their website still shows the dispute status as In Process. This delay violates the law under 15 U.S.C. 1681c-2. 

Experian received letter on XX/XX/XXXX by certified mail but still has not started dispute process. 

I have not received any written updates, confirmation, or deletions from TransUnion, Equifax, experian

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 2025-07-25 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 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 2025-07-25 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: PA

Complaint narrative:
Immediate reinvestigation and permanent deletion of the inaccurate late payment reported by XXXX XXXX  ( Account Number : XXXX ), unless Experian or the creditor can provide documented evidence that I was properly notified of the due date and given a chance to resolve the issue before the late payment was reported. If proper notice can not be verified, I request full removal of the late mark in accordance with FCRA 1681i ( a ) and 1681e ( b ). Provide written confirmation that this negative mark has been removed, and issue an updated copy of my credit report reflecting the correction within XXXX business days. This resolution is fair and lawful under the Fair Credit Reporting Act, which requires all reported data to be accurate, complete, and verifiable.

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 2025-07-25 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: FL

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 2025-07-25 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:
While reviewing my credit report as I routinely do, I came across unexpected discrepancies. I initially thought it might be a browser issue and attempted to refresh the page, but the inaccurate accounts remained. Because of this, I am requesting that the documents I submitted be carefully reviewed so I can finally have peace of mind regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
These accounts are not mine and represent fraudulent activity. I request they be deleted from my credit report within 15 days pursuant to USC 1681g. Attached is the documentation confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX / Account Number :  XXXX XXXX / Account Number : XXXX XXXX / Account Number : XXXXXXXX Addit

ionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This furthe
r supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief