vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
So basically I bank with Regions and Im in a steady cycle of being overdrafted. By the time my check hits the overdrafts take it all and its overdrafted again and they charge me ridiculous amounts in overdraft fees and they dont let me overdraft the account but they let little charges come out and hit me with {$36.00} for each one. Ive talked to the bank and they basically told me they wasnt gon na do nothing and to stop overdrafting and Im not overdrafting on purpose. I still have bills to pay which is hard to do when my entire check almost goes to overdraft fees and I just cant get out of the cycle and when I asked to speak to a manager they said theyre not gon na do anything different for you and wouldnt put me through to one

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 2025-07-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have unauthorized inquiries on my credit report and they are hurting my ability to buy a house. The inquiry is from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I have unauthorized inquiries on my credit report and they are hurting my ability to buy a house. The inquiry is from 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-01 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: The Bureaus, Inc.
State: ID

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute and binding arbitration election to the furnisher, Bureaus Investment Group Portfolio No. 15 LLC ( via their agent XXXX ), regarding an alleged XXXX XXXX account. I invoked my right to arbitration under the XXXX XXXX XXXX ( 9 U.S.C. 116 ), which legally compels all further collection activityincluding credit reportingto cease unless conducted through arbitration. This election was communicated prior to my first dispute with XXXX on XX/XX/year>. 

I provided XXXX with documentation of this arbitration election during both of my disputes. Despite this, XXXX left the tradeline unchanged both times, without indicating whether the furnisher responded or how XXXX verified the information. 

The FCRA ( 1681s-2 ( b ) ) requires furnishers to conduct a reasonable investigation upon receiving notice of a dispute, and the credit bureau must delete or modify any information that is inaccurate, unverifiable, or legally restricted. Continuing to report or verify a debt that is subject to a binding arbitration clauseespecially when the furnisher has not responded or validatedis not only misleading, but also a failure to conduct a reasonable investigation under the FCRA. 

XXXX XXXX retention of this tradeline, despite legal documentation showing the debt is contested and limited to arbitration, demonstrates noncompliance with its obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: January Technologies, Inc
State: ID

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute and binding arbitration election to the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( via their agent January ), regarding an alleged XXXX XXXX account. I invoked my right to arbitration under the Federal Arbitration Act ( 9 U.S.C. 116 ), which legally compels all further collection activityincluding credit reportingto cease unless conducted through arbitration. This election was communicated prior to my first dispute with XXXX  on XX/XX/year>. 

I provided XXXX with documentation of this arbitration election during both of my disputes. Despite this, XXXX left the tradeline unchanged both times, without indicating whether the furnisher responded or how XXXX verified the information. 

The FCRA ( 1681s-2 ( b ) ) requires furnishers to conduct a reasonable investigation upon receiving notice of a dispute, and the credit bureau must delete or modify any information that is inaccurate, unverifiable, or legally restricted. Continuing to report or verify a debt that is subject to a binding arbitration clauseespecially when the furnisher has not responded or validatedis not only misleading, but also a failure to conduct a reasonable investigation under the FCRA. 

XXXX XXXX retention of this tradeline, despite legal documentation showing the debt is contested and limited to arbitration, demonstrates noncompliance with its obligations under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$4800.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to express my concern regarding a late payment entry that appears on my credit report. After carefully reviewing my records, I am confident that the payment in question was made on time and that this reported delinquency does not accurately reflect my history of responsible credit behavior. As someone who takes financial obligations seriously, I have always prioritized making payments on or before their due dates. I have consistently demonstrated reliability as a borrower, and this late payment listing contradicts both my track record and the documentation in my possession. Upon further review, it appears this may have resulted from a reporting delay or internal processing issue, rather than an actual late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 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 2025-07-01 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: EdFinancial Services
State: NH

Complaint narrative:
EdFinancial did not provide a proper way of deferring loans and hit line of credit with XXXX point drop with XXXX missed payments at once with no proper warning. Tried to dispute with company who did not allow t for credit reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 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
Consumer complaint received 2025-07-01 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-01 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: VA

Complaint narrative:
* * 2. Pre-Arbitration Notice Experian ( Non-Compliance and Misrepresentation ) * * To : * * Legal Department Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX * * Subject : * * Pre-Arbitration Notice Violations of FCRA and Refusal to Provide Verification Dear Experian Legal Team, This letter serves as formal notice of * * pre-arbitration * * due to Experians failure to comply with the * * Fair Credit Reporting Act ( FCRA ) * * and your own internal dispute protocols. 

During a dispute call ( recorded for legal documentation ), your supervisor for the webbank account, PRA collection account that was agreed to be in cease and desist but allowed reporting anyway and the closed XXXX  XXXX account for {$490.00} that's closed and previously disputed multiple times * Refused to remove an unverified account; * Claimed verification was sent via * * email twice * * ( I never received it ) ; * Changed the statement to say it would be sent via my * * preferred method * * ; * Then later claimed it would be sent by * * mail * *, which has still not arrived * * two weeks later * *.

# # # Violations Include : * * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * Failure to provide method of verification in response to dispute * * * 15 U.S.C. 1681s2 ( b ) * * Failure to correct or delete inaccurate information after dispute notice * * * 15 U.S.C. 1681e ( b ) * * Failure to maintain accurate procedures * * * XXXX XXXX Reporting Standards * * Failure to update dispute codes, results, and remove unverifiable data I am offering this opportunity to resolve the matter before filing an arbitration demand under your binding arbitration clause. If not resolved within * * 15 days * *, I will initiate formal arbitration proceedings and I would still want to pursue statutory and punitive damages that I requested on experian dispute # # # XXXX XXXX Violations : * Failure to code disputed account properly ( e.g., XB during dispute ) * Failure to provide Compliance Condition Code post-investigation * Continued reporting of unverifiable information # # # Relevant Case Law : * * * Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) * * CRA must verify independently, not rely solely on furnisher * * * Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) * * CRA can be held liable for unreasonable investigation * * * Guimond v. TransUnion, 45 F.3d 1329 ( 9th Cir. 1995 ) * * A single inaccurate report can establish harm # # # DEMAND : * Immediate deletion of the disputed account; * Written proof of verification or a statement that none exists; * Correction of reporting under XXXX XXXX; * Response within 15 days or arbitration will be filed with 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