vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: NV

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : 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 In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

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 2025-04-04 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: NV

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : 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 In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

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 2025-04-04 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: GA

Complaint narrative:
I am filing this complaint because Experian continues to report a XXXX  XXXX ] bankruptcy that was dismissed over 6 years ago and should no longer appear on my credit report. 

This bankruptcy is not reporting on XXXX or XXXX, and I have submitted multiple disputes to Experian, providing documentation showing that the case was dismissed, not discharged. Despite this, Experian continues to verify and reinsert this outdated and inaccurate information.

This action is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that dismissed bankruptcies should not be reported beyond the appropriate time frame and must be removed when no longer verifiable or accurate.

This misreporting is negatively impacting my credit score and financial opportunities, and I am requesting immediate intervention to ensure that Experian : Removes the dismissed bankruptcy from my credit report Stops re-verifying inaccurate or unverifiable public records Provides written confirmation of the correction I have attempted to resolve this directly with Experian but have not received a satisfactory response. I am asking the CFPB to step in and hold Experian accountable for their failure to maintain accurate and fair reporting.

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

Complaint narrative:
I recently review a copy of my recent credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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

Complaint narrative:
I recently review a copy of my recent credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain.

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 2025-04-04 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-04-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-04 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: OK

Complaint narrative:
This complaint is submitted against TransUnion LLC for failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), in relation to an inaccurate and unverified collection account reported by XXXX XXXX XXXX. Despite submitting a formal dispute and providing evidence of multiple violations and discrepancies, TransUnion has allowed this account to remain on my credit report with misleading and harmful information. 
FCRA 1681i ( a ) TransUnion failed to conduct a reasonable investigation into my formal dispute. The collection account remains on my report with no correction or explanation despite documented discrepancies and ongoing issues.

FCRA 1681s-2 ( a ) ( 3 ) TransUnion is reporting the collection account without indicating that it is 'disputed by consumer ', even though a formal dispute was filed and remains unresolved.

FCRA 1681i ( a ) ( 5 ) ( B ) TransUnion failed to notify me in writing that the XXXX XXXX collection account, which was previously shown as a 'closed account ', was reinserted and reclassified as 'open ' and 'placed for collection '. I have dated screenshots proving the account status was changed. 
Screenshots showing the XXXX XXXX account marked as 'closed ' during my dispute. 
Current screenshots showing the account now listed as 'open ' and 'placed for collection '. 
The reported balance is {$3000.00}, which exceeds the original amount of {$2400.00} confirmed by the original creditor to be that amount when sold and includes unauthorized charges. 
The account is not marked as 'disputed ' despite my formal written dispute and communication with both XXXX XXXX and TransUnion XXXX 
A TransUnion representative incorrectly claimed that no reinsertion occurred, which is factually and legally inaccurate.

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 2025-04-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX FS XX/XX/2023

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 2025-04-04 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: MS

Complaint narrative:
Request for Immediate Removal of Inaccurate Fraud Alert Statement on Credit Report TransUnion and Equifax I am submitting this formal dispute against TransUnion and Equifax, regarding an inaccurate fraud alert placed in the personal statement section of my credit report. 

This inaccurate statement is not reflective of my current situation, and its continued presence is causing direct harm by obstructing my ability to obtain credit. Several lenders have denied or delayed my applications as a result of this flag, which wrongly implies that I am a victim of identity theft or that some fraudulent activity has occurred which is not the case. 

I have contacted TransUnion and Equifax multiple times by phone in an effort to resolve this issue, yet no action has been taken. 

Despite repeated requests, the fraudulent alert remains on my profile, and I have received no resolution, written confirmation, or proper investigation to support its presence.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: CA

Complaint narrative:
I disputed an issue with my background check through Checkr on XXXX. It has now been over 30 days with no resolution. 
I also submitted official clearance documents from the courthouse, including a XXXX XXXX clearance copy to support my dispute. Despite that, Checkr keeps responding that my case is still under review, with no clear update or estimated completion.

This delay is affecting my ability to get a job and earn income. Under the Fair Credit Reporting Act ( FCRA ), background check disputes must be resolved within 30 days, unless additional information is submittedwhich I already did.

I request the CFPB to take action to ensure Checkr finalizes this investigation and complies with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Kohls credit card switched to Capital One Kohls asked customers if they wanted to close their accounts or except the changes I chose to close the XXXX XX/XX/XXXX, I went to Kohls site to make my monthly payment that is due on XX/XX/XXXX, only to find out they closed down my access to make any payments.. I called Kohls on XX/XX/XXXX, and spoke to agent, XXXX, asking to make payment and she told me I could not make any payment until I received a new card.. she assured me no late fee would result due to my not having access to make a payment.. I waited for a card, none came and they charged me a late fee.. I called again and again and was still told nothing I could do until I get that card.. Finally when I called for the fifth time, the agent, right at end of call said, wait a minute, you closed the account, right? I said, yes.. she told me you wont get a card so other agents didnt know what they were talking aboutso, I was told the fee would be reimbursed and i checked and to date it still wasnt done and now I call again today and talked to one agent that said not refunding anyone, I asked for the supervisor.. XXXX, who said he was the supervisor but sounded like sane agent of XXXX, with Kohls, said they will not reimburse any late fees of Kohls customers that didnt have access to their closed accounts! Then chastised me on how to make payments on time!!! That to me is fraud! I dont know how many people they are doing this to? But I can not be the only oneI have all the names of all the agents that I talked to, plus the dates and times I just can not believe they did this to customers that closed their accounts! They dont allow us access to our accounts to make a payment and deny us to make any payment by phone or in store and then charge the fee and refuse to reimburse I feel they need to be reported for taking advantage of their customers that closed their accounts.thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX, and it was discharged on XX/XX/XXXX. The mortgage with XXXX XXXX  was included and officially discharged on XX/XX/XXXX, along with the rest of my creditors. I have been reviewing my credit report since the discharge date of my XXXX religiously every day for the past year and everything has been reported accurately to show included in my bankruptcy. On XX/XX/XXXX, I received an email saying something had changed on my credit report. I immediately logged in to check my credit report and found out that XXXX XXXX  had marked me late for XXXX, XXXX, and XXXX of XXXX after a year and 4 months had passed from when I filed Bankruptcy. My credit score had dropped XXXX points because this. Under the California Bankruptcy Protection Act a creditor that was successfully discharged on a Bankruptcy can not go back after the discharged was recorded to report negative/ derogatory information nor alter or change information that was discharged on a Bankruptcy. The discharge was on XX/XX/XXXX. Their ability to report or comment on that debt ended on XX/XX/XXXX, when my Bankruptcy was discharged. They reported to Equifax Credit that I was XXXX days late in XXXX on XX/XX/XXXX. Why are they reporting on an account I no longer have with them after a year and 4 months have passed? What possible reasoning would a creditor that was discharged on a Bankruptcy go back that far and report negative/derogatory information on my credit report. This is petty and a malicious attempt to punish me and destroy my credit because I listed them on my Bankruptcy. This is a clear violation under the Bankruptcy Protection Laws. I'm not to be bothered or harassed by any of my creditors that were included in my Bankruptcy. Coming back over a year later to destroy my credit after their debt was discharged through a bankruptcy is unheard of.

Company response to consumer: Closed with non-monetary relief