vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCD Financial, LLC
State: NJ

Complaint narrative:
I have a few accounts showing up on my credit report after I was looking to purchase a vehicle a few months ago. I noticed there were multiple accounts opened in my name. I contacted the companies, sent certified mail requesting for verification and how did they obtain my credit information and to also provide proof with an original signature of all accounts. They did not provide any evidence, only purchases that were made. I asked multiple times for them to investigate and see that I never had or used any of these account and they still never provide proof or where the source of the account originated from. 
I asked them to remove it and continue on their investigation to find out who open those accounts fraudulently... The accounts are still on my credit bureaus and have really dragged my score so low that it has costs me opportunities to refinance my house and also obtain certain business credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

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 XXXX XXXX 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 2025-06-04 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: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-04 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: GA

Complaint narrative:
My personal information was leaked in the most recent data breach causing fraudulent accounts and hard inquiries to be reported on my credit report. I did not authorize these accounts and hard inquiries. I understand that I am protected under FCRA 608B, 15 U.A.C. 1681C-2, U.S.C. also 1681i ( a ). This has caused my credit score to drop, which has hindered me from getting anything in my name.

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 2025-06-04 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:
My personal information was leaked in the most recent data breach causing fraudulent accounts and hard inquiries to be reported on my credit report. I did not authorize these accounts and hard inquiries. I understand that I am protected under FCRA 608B, 15 U.A.C. 1681C-2, U.S.C. also 1681i ( a ). This has caused my credit score to drop, which has hindered me from getting anything in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
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 XXXX XXXX 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 2025-06-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I have received a current credit report from your organization. Right after evaluating the different records, it can be clear that the following accounts appear with no regard for accuracy as needed by the Fair Credit Reporting Act. 

Also, please check the discrepancies below and fix them, so all the parameters are the same across XXXX, Experian, and XXXX as REQUIRED by the Metro 2 System, or delete the derogatory item ( s ).

Here are some key points from the FCRA relevant to enforcing consistent parameters : 1. Accuracy of Information : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. This implicitly requires some degree of standardization.

2. Reinvestigation of Disputed Information : When consumers dispute the accuracy of information in their credit reports, the credit bureaus are required to reinvestigate and correct any inaccuracies. Uniform account identifiers, like Account IDs, facilitate this process and help maintain consistency. 

3. Data Furnishers Requirements : The FCRA imposes duties on entities that furnish information to the credit bureaus. Data furnishers must provide complete and accurate information, and adopting standardized parameters would assist in maintaining compliance.

4. Consumer Disclosures : The FCRA grants consumers the right to see the information in their credit files. Consistent reporting formats across credit bureaus make 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 2025-06-04 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: OH

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

1681c-2 ) that you, your credit reporting agency, 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.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit ac

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am sending this complaint to COMENITYBANKXXXXWAYFAIR regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: DE

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was notified, by Truist ( my mortgage company ) that my homeowners insurance was cancelled a few weeks ago ; Truist failed to provide timely payment to my homeowner insurance company, XXXX, via my escrow account. 

Upon finding out that Truist caused a lapse in my coverage, I immediately contacted Truist, and was engaged on a call with XXXX whereby a new invoice was re-sent to Truist, and a check was paid via over-night service. XXXX promptly rejected the check, causing a refund on my escrow account, stating that my insurance previously lapsed and I needed to seek a new insurance company as they would no longer cover my home. I have had no insurance claims against XXXX, or any company, since residing in my current home for roughly 10 years. 

I consulted an insurance agency directly, to establish new homeowner insurance and to avoid being forceplaced ( pending ), and am currently covered by XXXX pending Truist being able to pay the bill out of my escrow account. My insurance cost may change depending on XXXX evaluating my home, which would not have occurred had Truist paid my insurance bill from the escrow account they control, to XXXX, roughly a month ago. 

The failure of my mortgage company, Truist, to pay my homeowners insurance, directly to XXXX, from escrow, has caused me an immediate harm and lapse in coverage. Truist remains negligent in that it had a duty to pay my insurance directly from my escrow account, breached that duty in failing to do so, is a direct cause of my failure to have insurance for a specific period of time, and has caused harm regarding my time and an increase cost of obtaining new insurance ; not limited to, the gap in coverage caused by their inability to make payment. 

I respectfully request that Truist rectifies this situation, and also reflects on similarly situated individuals, as I am surely not alone. 

Best regards

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 2025-06-04 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 2025-06-04 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 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Subject : Complaint Regarding Experians Failure to Respond to Dispute Within 30 Days Dear CFPB, I am filing this complaint against Experian for failing to respond to my dispute within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a formal dispute via Certified Mail to : Experian XXXX. XXXX XXXX XXXX, TX XXXX The dispute concerns a medical collection account reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX In my dispute, I provided clear evidence that this collection account does not belong to me. Despite receiving the dispute, Experian failed to respond within 30 days, as required by law. This constitutes a violation of my rights under the FCRA. 

Additionally, this same account was fully investigated and deleted from both XXXX XXXX XXXX, confirming it is inaccurate. I have attached proof of these deletions along with my certified mail receipt showing timely delivery to Experian. 

Requested Resolution : I respectfully request that the CFPB : 1. Investigate this matter and require Experian to delete this inaccurate medical collection from my credit report. 


2. Ask Experian to provide you ( the CFPB ) with a copy of the dispute I submitted on XX/XX/year>, along with any supporting documentation I included. 



Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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