vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Michigan XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Resolve Disputes and Ongoing FCRA Violations I am filing this complaint against the three major credit bureaus, Experian, Equifax, and TransUnion, for their repeated failure to properly address disputes I submitted regarding inaccurate and unverifiable information in my credit reports.

Despite multiple dispute submissions, the bureaus responded with generic verified statements rather than conducting a lawful reinvestigation and providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a violation of both 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require them to use reasonable procedures to ensure maximum possible accuracy. 

Disputed Accounts and Items Still Unresolved : Unauthorized Inquiry XXXX, XX/XX/XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Employers : XXXXXXXX XXXX Incorrect Personal Information Employers : XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Failures by the Bureaus : The credit bureaus have failed to : Provide the method and process used to verify these disputed accounts.

Identify the furnisher ( s ), including full name, title, and contact details.

Supply documentation relied upon to confirm the accuracy of these items.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Michigan XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Resolve Disputes and Ongoing FCRA Violations I am filing this complaint against the three major credit bureaus, Experian, Equifax, and TransUnion, for their repeated failure to properly address disputes I submitted regarding inaccurate and unverifiable information in my credit reports.

Despite multiple dispute submissions, the bureaus responded with generic verified statements rather than conducting a lawful reinvestigation and providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a violation of both 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require them to use reasonable procedures to ensure maximum possible accuracy. 

Disputed Accounts and Items Still Unresolved : Unauthorized Inquiry XXXX, XX/XX/XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Employers : XXXXXXXX XXXX Incorrect Personal Information Employers : XXXX Charge Off XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Failures by the Bureaus : The credit bureaus have failed to : Provide the method and process used to verify these disputed accounts.

Identify the furnisher ( s ), including full name, title, and contact details.

Supply documentation relied upon to confirm the accuracy of these items.

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 2025-09-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
While reviewing my consumer report, I found inaccuracies with the payment reporting for the following account : XXXX XXXX XXXX XXXXXXXX, Account # XXXX. I request an investigation into these discrepancies with evidence demonstrating the payment status and should reflect thier true status as paid on time.

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 2025-09-02 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: OH

Complaint narrative:
XXXX XXXX : 1 ) XXXX  XXXX opened XX/XX/XXXX the vehicle was written off and the debt was cleared, and this is still showing on my credit report. 2 ) XXXX XXXX OPEN XX/XX/XXXX The vehicle was returned, and the debt was cleared and verified, and this account still remain on my credit report as a repossession. CREDIT CARDS : 1 ) XXXX XXXX this is a close account that was open XX/XX/XXXX that I have no knowledge of and did not open this account for a credit card nor a line of credit OTHER LOANS : XXXX this is a close account open XX/XX/XXXX that I have no knowledge of the purpose of the company nor services I did not open this account and this account is a direct result of fraud. Rent and utilities : 1 ) XXXX : this account was open XX/XX/XXXX. It is placed for collections. Ive never had XXXX XXXX nor did business with XXXX. This account is direct fraud. HARD INQUIRIES : 1 ) XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XX/XX/XXXX COLLECTIONS : 1 ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. This account is placed for I have no knowledge of this account. I do not open this account. This account is direct a fraud. 2 ) XXXX XXXX Open XX/XX/XXXX Account whats XXXX  XXXX XXXX  with XXXX XXXX discount appearing on my credit report is direct fraud.

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 2025-09-02 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
Im contacting you regarding the XXXX XXXX XXXX account ( s ) you are reporting to the credit bureaus. There are two accounts listed under my name that show late payments and derogatory marks, even though both accounts are closed with a {$0.00} balance.

This reporting is inaccurate and harmful. I am disputing the information and requesting that you delete these accounts from my credit reports. 
Specifically : There appear to be duplicate XXXX  accounts reporting, which is misleading.

The payment history is inconsistent and incomplete, making it unverifiable.

Both accounts are marked derogatory despite being fully paid and closed.

Under the Fair Credit Reporting Act ( FCRA ), Im requesting that you conduct an investigation and either : Provide complete proof validating all reported information, or Request deletion of these accounts from TransUnion if you can not fully verify them.

Please respond within 30 days with the results of your investigation and confirmation that the accounts have been corrected or deleted.

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 2025-09-02 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B, that you, TransUnion the 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following bank accounts are not mine and were opened or used fraudulently XXXX XXXX XXXXXXXX opened on XXXX XXXX XXXX amount of XXXX XXXX XXXX opened XXXX XXXX XXXX amount XXXX XXXX XXXX opened XX/XX/XXXX amount of XXXX. I did not authorize these accounts, applications, or charges. also have some fraud Addresses

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 2025-09-02 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: TX

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account listed below were returned as " verified '' without providing me with the details of the investigation. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX I was notified by Barclay 's about suspected fraudulent activity on my credit card. I declined that I had made the purchase -- {$800.00} to XXXX XXXX XXXXXXXX ; and I was told they would credit my account and send me a new card. 

When I received my statement for XXXX my purchases were listed at {$1600.00} with an XXXX credit ( the only activity being for XXXX XXXX XXXX ) . When I called I was told that they had deemed the purchase NOT to be fraudulent. In the letter I received it said because the card was in my possession and chip technology was used. 

I sent a letter asking the claim be reviewed since I did not use the card that day ; I was at my workplace from XXXX XXXX XXXX XXXX  that day and my employer sent a letter to confirm. I requested that I have in writing the exact location and time that the card was used so that I could file a police report and I have not been given that information. I had another letter telling me that the transactions identified are not fraudulent.

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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear MIDLAND CREDIT MANAGEMENT, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all contact with me about this matter.

I do not acknowledge that this debt is valid, and I am requesting validation of the debt under 15 U.S.C. 1692g if you intend to continue any collection activities. If you can not validate the debt, you are required by law to cease collection efforts. 

Any further contact from your company or its agents, other than to notify me of specific legal action or to provide verification of the alleged debt, will be considered a violation of the FDCPA and will be reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the state Attorney Generals office. I will also consider taking legal action for any violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B, that you, Equifax the 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : s XXXX XXXX XXXX opened XX/XX/XXXX amount of {$2500.00}, XXXX XXXX XXXX opened XXXX XXXX amount of $ XXXX did not authorize these accounts and am requesting that these fraudulent activities be investigated Fraud 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: WA

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 2025-09-02 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CT

Complaint narrative:
I am currently in repayment. Paying over {$3200.00} per month. As of XX/XX/year>, I paid XXXX payments and I have 10  months of administrative forbearance that I am applying to buyback. The system is overburdened however it is causing borrowers eligible for buyback/forgiveness to suffer. I am stuck paying astronomically high payments when I should have had my loans forgiven. 

I have submitted at least XXXX requests to have my buyback processed however I have only received the automated response stating my request has been received.

Company response to consumer: Untimely response