vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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 am writing to follow up on my previous dispute regarding the accounts that continue to be reported on my credit file, despite their unverified and inaccurate status. As reflected in my XXXX XXXX XXXX XXXX credit report, the account in question had previously been removed. However, I have recently discovered that this information has been reinserted without the legally required notice and certification, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( ii ). Per FCRA 611 ( a ) ( 5 ) ( B ) ( i ), any reinsertion of previously deleted information must be preceded by a certification of accuracy from the data furnisher. No such certification has been provided to me, nor was I notified of the reinsertion within five business days as required by 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 2025-04-14 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. 
Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential XXXX XXXX XXXX XXXX  without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : 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 2025-04-13 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My identity was stolen to open this fraudulent account with American Credit Acceptance, Account # XXXX. This account is on my credit files reporting negatively. This account is hurting my credit rating. I did not open this account, nor did I give anyone the permission to do so. This account should be removed from my credit report, so the proper investigation takes place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am a human trafficking survivor and submitted a formal request under FCRA 605C, as amended by the Debt Bondage Repair Act, to block adverse information in my consumer report that resulted from my trafficking experience.

I mailed this request to TeleCheck, including the required documentation proving my eligibility under 605C. However, I have received no confirmation, response, or action from TeleCheck. It has been [ insert number of days/weeks ], and this inaction has severely impacted my ability to open checking accounts, conduct financial transactions, and rebuild my life post-trafficking.

According to FCRA 605C, TeleCheck is legally required to : Respond to survivor requests in a reasonable time Block all adverse items related to trafficking Ensure that blocked information does not affect any consumer reports or scoring By failing to respond or take action, TeleCheck is violating my rights under federal law and creating further barriers to my recovery and reintegration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: PA

Complaint narrative:
I am hoping you can help resolve this issue. I have spoken to several individuals at CRI and no one can seem to make sense of my issue so they directed me to this email address. My name is XXXX XXXX ( previously XXXX ). I co-signed for several student loans for my XXXX children, XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX ). Upon the date of repayment for these loans after the govt extensions, my children were set up with their payment plans. I spoke with XXXX several times in regards to these loans and XXXX loans were sent to XXXX XXXXl and XXXX 's loans were sold to XXXX XXXX. We had all the loans broken out appropriately. Several months later my credit was hit with late notices on the loans that my kids are currently pay on. I again reached out to XXXX and they claimed it would be handled and corrected. I assumed it was corrected, but in XXXX my credit took another huge hit for late payments on the same loans. I reached out to XXXX and was told my loans were sold to CRI and I would have to contact CRI. I have attached my loan information from XXXX XXXX XXXX and CRI as well as all the loans XXXX and XXXX are paying on. 
I dont know what else to do at this point besides reach out to my state rep and hire an attorney. 
If you could shed any light on this it would be greatly appreciated. 

I have compared my loans to my kids loans and they are definitely paying on loans that are showing as unpaid on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
This isnt my loan and Ive reached out to the company through credit bureaus and directly but the company hasnt deleted this account and refuse to remove this negative information from my credit report also this company reported 3 different information over all the credit bureaus.The company continues to report negative information and ignore me directly because the loan is being paid so nobody actually cares that it should be updated to my report

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 2025-04-14 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:
This isnt my loan and Ive reached out to the company through credit bureaus and directly but the company hasnt deleted this account and refuse to remove this negative information from my credit report also this company reported 3 different information over all the credit bureaus.The company continues to report negative information and ignore me directly because the loan is being paid so nobody actually cares that it should be updated to my report

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 2025-04-14 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: FL

Complaint narrative:
This isnt my loan and Ive reached out to the company through credit bureaus and directly but the company hasnt deleted this account and refuse to remove this negative information from my credit report also this company reported 3 different information over all the credit bureaus.The company continues to report negative information and ignore me directly because the loan is being paid so nobody actually cares that it should be updated to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the accounts that continue to be reported on my credit file, despite their unverified and inaccurate status. As reflected in my XXXX XXXX XXXX XXXX credit report, the account in question had previously been removed. However, I have recently discovered that this information has been reinserted without the legally required notice and certification, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( ii ). Per FCRA 611 ( a ) ( 5 ) ( B ) ( i ), any reinsertion of previously deleted information must be preceded by a certification of accuracy from the data furnisher. No such certification has been provided to me, nor was I notified of the reinsertion within five business days as required by 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 explanation
Consumer complaint received 2025-04-13 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i have marked inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a survivor of XXXX XXXX and exercised my rights under the Debt Bondage Repair Act and FCRA 605C, which provides legal protections to block adverse information from consumer reports resulting from my trafficking experience.

I submitted my written request to TransUnion, along with appropriate documentation of my status under 605C. This request included a formal letter and all required supporting materials. 
However, I have not received any confirmation, response, or action from TransUnion. It has been [ insert number of days/weeks since submission ], and this delay is interfering with my ability to recover, access financial services, and move forward safely. 
Under FCRA 605C ( d ), a consumer reporting agency is required to : Respond within a reasonable time Block all adverse items related to trafficking Not allow such information to appear on reports or impact credit scores

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my credit card was stolen and multiple purchases were made at stores. I typically dont go to with the exception of the grocery store by my house. 

I was alerted by Bank of America of a weird transaction from XXXX XXXX. When I said it was not me and to decline the transaction. It allowed me to pull up recent transaction that had been made. 

When I saw a handful of charges from XX/XX/XXXX that I did not make, I filed a claim with Bank of America about the charges that I didnt make. 

I did not have my credit card in my possession, so its under my impression that it fell out most likely in the area and someone picked it up. 

Bank of America apparently did an investigation and they said that I did buy all these things at these places I didnt and that I needed to pay for the charges on my stolen credit card.

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 2025-04-13 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: MI

Complaint narrative:
ive recently checked my credit and noticed fradulent accounts on my credit report i never made or have knowledge ofthese accounts remove asap violation of 15 usc 1681 s-2 eb nobody shall furnish any information on my report. violation of fcra

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

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

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 2025-04-13 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: DC

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting repeated monthly charge-offs for the same account on my credit report, from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a one-time event, yet they continue to report it every month, which is inaccurate, misleading, and harmful to my credit profile. 

I disputed this with Experian and they answered my dispute indicating the issue was resolved, when it was not. When I verified my credit report, the same inaccurate and harmful information is reported by Experian, which resulted in the issue not being resolved. I have also initiated a dispute with XXXX XXXX and I am currently waiting for their response. 

This reporting practice appears to violate the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires furnishers to provide accurate and non-misleading information. I am requesting that the CFPB investigate this matter and that the creditor correct the reporting to reflect only the original charge-off date. 

In addition, I have not received a 1099-C form for this canceled debt, which is required for tax reporting purposes. Under IRS guidelines, creditors must send a 1099-C when canceling a debt of {$600.00} or more. The lack of this form further complicates the accurate reporting and resolution of this account.

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 2025-04-13 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: DC

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting repeated monthly charge-offs for the same account on my credit report, from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a one-time event, yet they continue to report it every month, which is inaccurate, misleading, and harmful to my credit profile. 

I disputed this with XXXX and they answered my dispute indicating the issue was resolved, when it was not. When I verified my credit report, the same inaccurate and harmful information is reported by XXXX, which resulted in the issue not being resolved. I have also initiated a dispute with Trans Union and I am currently waiting for their response. 

This reporting practice appears to violate the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires furnishers to provide accurate and non-misleading information. I am requesting that the CFPB investigate this matter and that the creditor correct the reporting to reflect only the original charge-off date. 

In addition, I have not received a 1099-C form for this canceled debt, which is required for tax reporting purposes. Under IRS guidelines, creditors must send a 1099-C when canceling a debt of {$600.00} or more. The lack of this form further complicates the accurate reporting and resolution of this account.

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 2025-04-13 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: DC

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting repeated monthly charge-offs for the same account on my credit report, from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a one-time event, yet they continue to report it every month, which is inaccurate, misleading, and harmful to my credit profile. 

I disputed this with XXXX and they answered my dispute indicating the issue was resolved, when it was not. When I verified my credit report, the same inaccurate and harmful information is reported by XXXX, which resulted in the issue not being resolved. I have also initiated a dispute with XXXX XXXX and I am currently waiting for their response. 

This reporting practice appears to violate the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires furnishers to provide accurate and non-misleading information. I am requesting that the CFPB investigate this matter and that the creditor correct the reporting to reflect only the original charge-off date. 

In addition, I have not received a 1099-C form for this canceled debt, which is required for tax reporting purposes. Under IRS guidelines, creditors must send a 1099-C when canceling a debt of {$600.00} or more. The lack of this form further complicates the accurate reporting and resolution of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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 am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.

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