vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX this compay does not have a phone number, the account is closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
On XX/XX/year>, I sent Transunion a written Method of Verification request under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 7 ), formally disputing a bankruptcy entry listed under U.S. Bankruptcy Court and demanding proof of how this record was verified and tied to me. My request asked for the name of the furnisher, the source of the data, and documentary evidence connecting me to the alleged bankruptcy, as public courts do not report directly to credit bureaus. To date, TransUnion has failed to respond with any verification or explanation. Under FCRA 1681e ( b ), they are required to follow reasonable procedures to assure maximum possible accuracy of information in consumer files. TransUnions continued reporting of this disputed bankruptcywithout any investigation, without providing a source of verification, and without documentationconstitutes a violation of 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ). 

Furthermore, TransUnion has a documented history of using third-party vendors such as XXXX or XXXX data scrapes to insert public records into consumer reports without verifying their accuracy or legal connection to the consumer. This is not an isolated failureit reflects a systemic pattern of FCRA violations where automated data is labeled as verified without human review or legal validation. TransUnions refusal to identify the source of the information, combined with their failure to conduct a reasonable reinvestigation, not only misrepresents the legal status of my credit file but demonstrates intentional disregard for consumer rights under federal law.

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 2025-06-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be 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 explanation
Consumer complaint received 2025-06-09 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 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 2025-06-09 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 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 2025-06-09 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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/year>

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
i requested lvnv funding, llc that i refuse to pay this alleged debt and according to 15 usc 1692C ( c ) they are to cease and desist and stop communicating from all mediums, including my credit reports. If not deleted i will file litigation to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 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 2025-06-09 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: NJ

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 2025-06-09 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: NJ

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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Debt validation letter XXXX XXXX XXXX XXXX XX/XX/XXXX. last 4 of s.s # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX date : XX/XX/XXXX to XXXX XXXX account # XXXX balance {$26000.00} dear sir or maddam, I am writing to formally validate the debt pursuant to the fair debt collection act XXXX XXXX XXXX this is not a refusal to pay but a request proof and clarification of the alleged debt as provided under the fair collection debt practice act.you are allegedly saying the first payment was never received but you are providing transunion with a payment history of XXXX payments being made on XXXX of XXXX XXXX of XXXX and XXXX of XXXX.also you are reporting the last payment was received on XX/XX/XXXX of XXXX and you are saying in the comments section of my credit report that the XXXX payment was never received.all information has to be XXXX accurate According to the fair credit reporting act and you are violating my federally protected rights.i am demanding a {$10000.00} payment for each violation payed to XXXX XXXX XXXX and mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this account deleted from transunion XXXX XXXX XXXX immediatelyXXXX has deleted this account but transunion and XXXX are still reporting this inaccurate inconsistent 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out regarding fraudulent account on my credit report. I appreciate the successful removal of account, especially those identified by TransUnion. However, Ive noticed that certain fraudulent entries are still present on my reports with TransUnion. I would greatly appreciate your help in promptly removing the remaining fraudulent account listed below : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Business Factors
State: NV

Complaint narrative:
i have tried multiple times to request this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information.

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
On XX/XX/year>, I submitted a certified Method of Verification request to Equifax under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 7 ), formally disputing a bankruptcy listed under U.S. Bankruptcy Court on my credit report. I specifically demanded that Equifax identify the source used to verify the bankruptcy, provide documentation connecting it to me, and explain how they ensured the accuracy of the public recordespecially since bankruptcy courts do not furnish information directly to credit reporting agencies. As of XX/XX/year>, Equifax has failed to provide a single piece of verification or documentation, and continues to report the disputed bankruptcy. This is a direct violation of 1681i ( a ), which requires a reasonable reinvestigation of disputed information and mandates that the method of verification be disclosed upon consumer request. It also violates 1681e ( b ), which requires Equifax to use reasonable procedures to ensure maximum possible accuracy of public record data. 

Equifax has a well-documented history of using unreliable third-party vendors such as XXXX to insert outdated or unverified public records into consumer files without proper verification. The CFPB itself has addressed the failure of credit bureaus to comply with public record accuracy requirements, especially following the XXXX settlement agreements in which Equifax agreed to clean up erroneous reporting of civil judgments and bankruptcies. Despite these agreements, Equifax continues to misrepresent disputed public record data and fail to produce documentation when challenged. This is not an isolated errorthis is a recurring pattern of systemic noncompliance that violates federal law and harms consumers by artificially depressing credit scores and damaging financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX, XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX, XXXX ( Auto ) XX/XX/XXXX, XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX I Did Not Authorize Any Of These Injuries I Reached Out To The Credit agencies and has not heard any response in the required time. IM Demanding To Get These Removes Asap!

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contacted Capitol One due to violation of XXXX service agreement Claim XXXX XXXX XXXXXXXX Amount Disputed : {$1500.00} Merchant : XXXX Dear Capital One Claims Department, Credit was not given although multiple forms of proof were submitted including documentation Airbnb provided showing reimbursement and violation of their own policy. A summary, with supporting exhibits, for proper escalated was provided. 
SUMMARY OF VIOLATIONS AND EVIDENCE - XXXX violated its own safety and privacy policy. I was subjected to an unauthorized entry, harmful environmental conditions, and a lack of safety protocols. ( See Exhibit AA : XXXX 's cleanliness, privacy, and safety failure including admission of policy violation. ) - XXXX closed valid support complaints and ignored requests for resolution between XXXX XXXX XXXX. ( See Exhibit B : Complaint dismissals and unresponsiveness. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
XXXX i have not received a 1099 C form from this company of the alleged debt.

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 2025-06-09 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: VA

Complaint narrative:
XXXX i have not received a 1099 C form from this company of the alleged debt.

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