vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
I am filing this formal complaint against Experian, TransUnion, Equifax, and the furnishers listed below for systematic violations of federal consumer protection laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Regulation V ( 12 CFR 1022 ), and the Dodd-Frank Act ( 12 U.S.C. 5531 ). I request immediate investigation and remediation of the following issues : 1. Disputed Accounts and Inaccuracies The following accounts on my credit reports contain material inaccuracies ( e.g., incorrect open dates, dates of last activity, and unverifiable information ) : - 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 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  ) I previously disputed these accounts with the credit bureaus on XX/XX/year>, but they failed to correct or delete the errors, falsely claiming the information was " verified '' without providing proof.

2. Legal Violations a. Credit Reporting Agencies ( Experian, TransUnion, Equifax ) Violated : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation and correct inaccuracies within 30 days.

- 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy of credit reports.

- 12 CFR 1022.43 : Failure to review all relevant information provided in my disputes. 

b. Furnishers ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX ) Violated : - 15 U.S.C. 1681s-2 ( b ) : Failure to investigate disputes and correct inaccurate information.

- 12 CFR 1022.42 ( a ) : Failure to maintain reasonable policies to ensure accuracy.

c. Systemic Unfair Practices ( Dodd-Frank Act ) : The bureaus and furnishers collective refusal to correct demonstrable inaccuracies constitutes unfair and deceptive practices under 12 U.S.C. 5531.

3. Relief Requested Pursuant to the CFPBs authority under 12 U.S.C. 5493, I request the following : 1. Immediate deletion of all disputed accounts from my credit files.

2. Corrected credit reports sent to me and all prior recipients.

3. Investigation into the CRAs and furnishers for systemic FCRA violations.

4. Penalties imposed on repeat offenders under 15 U.S.C. 1681s.

I certify that the information in this complaint is accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) XXXX, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter XXXX result in further escalation to the FTC and state regulatoryauthorities.

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 2025-08-05 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account Name : XXXX XXXX XXXX. 
Account Number : XXXX * * Open Date : XX/XX/XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX * * * Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX * * * * Open Date : XX/XX/XXXX Balance : {$6300.00} Account Name : XXXX & XXXX Account XXXX : XXXX * * Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX * * * * * * Open Date : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * Open Date : XX/XX/XXXX Balance : {$920.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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 writing because there is wrong and damaging information being reported on my credit file, and I need it corrected immediately. 

After carefully reviewing my credit report, I found an account that is being inaccurately reported. The information is flat-out incorrect, and its having a negative impact on my credit profile completely unfairly. This is not just a minor error. Its a serious misrepresentation of my payment history and violates the standards set by the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable. 

For the record, this account has always been paid on time, and I have never missed a payment. Labeling it as delinquent or late is false. This appears to be a billing error, and under 15 USC 1666B, Im entitled to have this corrected promptly. This false reporting is not only misleading its a violation of my rights as a consumer.

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 2025-08-05 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2009, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I applied for a {$30000.00} XXXX XXXX XXXX XXXX loan through Huntington Bank in XXXX  for my small business, XXXX XXXX  XXXX, in XXXX, XXXX XXXX. I was told by the branch manager, XXXX XXXX, that I could draw funds as needed, similar to a line of credit. This information was repeated verbally multiple times and influenced major financial decisions including signing a commercial lease and investing thousands of dollars of my own money. 

I repeatedly asked for the full loan terms, and only received them after signing the lease and committing to the business. When the draw addendum was finally disclosed, I learned the loan had severe restrictions : XXXX draw per week, a XXXX day delay on disbursement, and a requirement to submit paid invoices upfront a structure completely incompatible with how it had been described. I immediately withdrew my application due to this misrepresentation. 

I have documentation to support this complaint, including : The term sheet provided by the bank The restrictive draw addendum Email correspondence from Huntington employees A signed lease I was pressured to execute Witness and vendor statements A letter from my therapist confirming emotional harm Huntington Banks conduct caused financial harm, disrupted my business launch, and inflicted emotional distress. Their failure to disclose material terms until the end of the process constitutes deceptive and predatory lending behavior. I am requesting a formal investigation and financial remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the presence of a bankruptcy listed on my credit report, which is being reported inaccurately. I have obtained a letter directly from the court stating that this bankruptcy should not be reported to any of the credit bureaus, yet it still appears on my file. This is extremely concerning, as the court 's statement clearly invalidates the reporting of this item. What makes the situation even more troubling is the apparent involvement of an unauthorized third party, which raises serious questions about how this information was shared and why it is being reflected in my credit report without my consent or proper verification. 

Whats even more confusing is that only TransUnion is reporting this bankruptcy, while the other major credit bureaus are not. This inconsistency is alarming and indicates that there may have been an error or oversight in the way this information was handled. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, inaccurate or unverifiable information must be removed from a consumers credit report. Given the supporting documentation Ive provided and the irregularities surrounding this issue, there is no legal basis for this bankruptcy to remain on my file.

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 2025-08-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 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: MI

Complaint narrative:
To Whom It XXXX Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian regarding their failure to properly investigate my identity theft claim and dispute inaccurate information on my credit report. 
Background : I submitted an identity theft report to Experian, following all required guidelines and providing all necessary documentation as stipulated by Experian. My correspondence clearly stated that I was disputing the debt as fraudulent and requested proof that the debt in question is legitimately mine, bearing my signature or other legally binding proof of my responsibility for the debt. 
The Issue : Despite my clear request and the submission of an identity theft report, Experian responded with a generic statement that this account has been verified as accurate. This response is unacceptable and demonstrates a blatant disregard for credit reporting laws and my rights as a consumer. Experian has failed to provide the requested validation or documentation to prove the debt is mine, especially in light of my identity theft claim. This lack of investigation and validation violates the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws.

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 2025-08-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent inquiries and related information on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
I recently became aware of several unauthorized inquiries that were opened in my name without my knowledge or consent. These inquiries are the result of a data breach and identity theft, and I have never had any business relationship or transactions with the entities in question. 
Under 15 U.S.C. 1681c-2 ( a ), I hereby request that Transunion block and remove from my credit report all information that I identify as the result of identity theft. The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please investigate this matter and confirm in writing that the fraudulent inquiries have been blocked and permanently removed from my credit file. If any additional information or documentation is needed, do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this serious matter. 
Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 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 Address : 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 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 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 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 explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Goodwill Adjustment Request for Late Payments on Multiple XXXX Loan Accounts Account Number : [ XXXX ] Dear XXXX Representative, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding late payment notations reported on my credit file for several XXXX loan accounts serviced by XXXX. These accounts appear as multiple tradelines, but they are all tied to the same core account number : [ XXXX ]. 
During the period of [ XXXX ], I experienced unexpected hardship due to [ briefly explaine.g., a temporary job loss, illness, family emergency, or other significant life event ]. Unfortunately, this resulted in delayed payments across all XXXX associated loan accounts. 
Please know that this was never a reflection of my intent to disregard my financial responsibilities. Since that time, I have taken every step to correct the issue. All accounts are now current, and I have maintained an on-time payment history since then. I am committed to staying on track with all future payments and have implemented better budgeting and monitoring to ensure my financial obligations are always met. 
In light of my consistent efforts and improved payment behavior, I am humbly requesting a goodwill adjustment to remove the late payment notations from my credit reports. I fully understand that XXXX is not obligated to honor this request, but I ask that you consider it as a gesture of understanding and compassion. This adjustment would go a long way in helping me recover from that period and continue building a solid financial future. 
Thank you for your time and consideration. Please let me know if you need any additional information to support my request. I greatly appreciate your attention to this matter and hope to hear from you soon. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Goodwill Adjustment Request for Late Payments on Multiple XXXX Loan Accounts Account Number : [ XXXX ] Dear XXXX Representative, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding late payment notations reported on my credit file for several XXXX  loan accounts serviced by XXXX. These accounts appear as multiple tradelines, but they are all tied to the same core account number : [ XXXX ]. 
During the period of [ XXXX ], I experienced unexpected hardship due to [ briefly explaine.g., a temporary job loss, illness, family emergency, or other significant life event ]. Unfortunately, this resulted in delayed payments across all XXXX associated loan accounts. 
Please know that this was never a reflection of my intent to disregard my financial responsibilities. Since that time, I have taken every step to correct the issue. All accounts are now current, and I have maintained an on-time payment history since then. I am committed to staying on track with all future payments and have implemented better budgeting and monitoring to ensure my financial obligations are always met. 
In light of my consistent efforts and improved payment behavior, I am humbly requesting a goodwill adjustment to remove the late payment notations from my credit reports. I fully understand that XXXX is not obligated to honor this request, but I ask that you consider it as a gesture of understanding and compassion. This adjustment would go a long way in helping me recover from that period and continue building a solid financial future. 
Thank you for your time and consideration. Please let me know if you need any additional information to support my request. I greatly appreciate your attention to this matter and hope to hear from you soon. 
Sincerely, [ 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