vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation. 
15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 

These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 2025-07-02 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: NY

Complaint narrative:
I am filing this formal complaint against Transunion for repeatedly failing to delete an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX credit report dated XX/XX/year>. 

Despite XXXX previous disputes, Transunion continues to verify this late payment without any documented proof or evidence provided by the furnisher. This account is still open and in good standing, and I have never received any verification that the late payment was accurately reported using original source data. 

This violates both the Fair Credit Reporting Act ( FCRA 602 ( a ), 611 ) and Metro 2 guidelines, which require that all furnished data be : Reported using accurate dates, ECOA codes, and payment history grid formatting Verified using original source documentation 100 % complete and compliant in order to remain on a consumers file Because Transunion has not met these legal obligations, I am demanding permanent deletion of the XX/XX/year> late payment from my credit report. I do not authorize any further reinvestigation unless the furnisher can provide documented, verifiable proof of this delinquency. 

I respectfully request the CFPB to intervene in this matter and hold Transunion accountable for failing to comply with federal consumer protection 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 non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am filing this formal complaint against Experian for repeatedly failing to delete an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX credit report dated XX/XX/2025. 

Despite three previous disputes, Experian continues to verify this late payment without any documented proof or evidence provided by the furnisher. This account is still open and in good standing, and I have never received any verification that the late payment was accurately reported using original source data. 

This violates both the Fair Credit Reporting Act ( FCRA 602 ( a ), 611 ) and Metro 2 guidelines, which require that all furnished data be : Reported using accurate dates, ECOA codes, and payment history grid formatting Verified using original source documentation 100 % complete and compliant in order to remain on a consumers file Because Experian has not met these legal obligations, I am demanding permanent deletion of the XX/XX/2025 late payment from my credit report. I do not authorize any further reinvestigation unless the furnisher can provide documented, verifiable proof of this delinquency. 

I respectfully request the CFPB to intervene in this matter and hold Experian accountable for failing to comply with federal consumer protection 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 2025-07-02 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: TX

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Dear Equifax Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

Account Details : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- Experian- Equifax-TransUnion-XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against the above credit bureaus and debt collectors for violating federal consumer protection laws by reporting inaccurate, unverified debts. 
XXXX XXXX XXXX is reporting a {$300.00} debt that : Was never validated with signed contract or proof of ownership XXXX be past the statute of limitations XXXX XXXX XXXX is reporting a {$500.00} debt that : Lacks proper documentation showing lawful assignment Has not been verified despite my disputes FCRA 1681e ( b ) : Credit bureaus failed to maintain reasonable procedures to ensure accuracy FCRA 1681i : No proper investigation conducted after disputes FDCPA 1692g : Debt collectors failed to provide validation Immediate deletion of these accounts from all credit reports Written confirmation of corrections CFPB investigation into these illegal reporting practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
- Experian- Equifax-TransUnion-XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against the above credit bureaus and debt collectors for violating federal consumer protection laws by reporting inaccurate, unverified debts. 
XXXX XXXX XXXX is reporting a {$300.00} debt that : Was never validated with signed contract or proof of ownership XXXX be past the statute of limitations XXXX XXXX XXXX is reporting a {$500.00} debt that : Lacks proper documentation showing lawful assignment Has not been verified despite my disputes FCRA 1681e ( b ) : Credit bureaus failed to maintain reasonable procedures to ensure accuracy FCRA 1681i : No proper investigation conducted after disputes FDCPA 1692g : Debt collectors failed to provide validation Immediate deletion of these accounts from all credit reports Written confirmation of corrections CFPB investigation into these illegal reporting practices

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the abrupt and unexplained closure of my Bank of America XXXX XXXX credit card account, which carried a credit line of approximately {$40000.00} USD at the time of closure.

This closure : 1. Occurred without any prior notice or explanation, in violation of expected banking standards and responsible lending practices.

2. Canceled multiple scheduled credit card payments, causing me to incur penalties and late fees with third-party service providers.

3. Left my credit card account with a positive balance money owed to me that has still not been refunded to this day.

4. Was followed by refusal to reissue a credit card, even though I submitted a new application using a valid ITIN ( Individual Taxpayer Identification Number ), and my checking account held a positive balance of approximately {$400000.00} USD at the time.

This experience has been both financially harmful and completely lacking in transparency. As a responsible client with substantial funds in your institution, I find the treatment I have received unacceptable and unprofessional.

I hereby request that Bank of America : Immediately release and transfer to my checking account the positive balance held on the closed credit card.

Provide a written explanation for the account closure and your ongoing refusal to issue me a credit card.

Offer compensation for any damages, fees, or penalties caused by the sudden cancellation of scheduled payments.

Reconsider my eligibility for a credit card, given my financial standing and valid ITIN documentation.

If this issue is not resolved within 10 business days, I will escalate the matter through regulatory channels including the Consumer Financial Protection Bureau ( CFPB ) and other consumer advocacy platforms.

Sincerely,

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 2025-07-02 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: TX

Complaint narrative:
XXXX XXXX reported XX/XX/year> payment as 30 days past due. I have NEVER been more than 30 days past due. I have a copy of ALL payment transactions. I was told that I was 32 days past due on XX/XX/year> for XX/XX/year> payment, but XX/XX/year> only had 28 days, but was still said past due. Disputed with Transunion SEVERAL times and resulted were always accurate. Every dispute with Transunion is NEVER changed. Transunion ALWAYS take the side of the creditor.

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 2025-07-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than XXXX XXXX since I reached out.

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 2025-07-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than XXXX XXXX since I reached out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-02 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: NY

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-02 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: TX

Complaint narrative:
To whom it may concern, I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the 2020 CRRG, jeopardizes data integrity, which is a matter of utmost seriousness.

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 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the 2020 CRRG, jeopardizes data integrity, which is a matter of utmost seriousness.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my XXXX XXXX XXXX credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that XXXX XXXX XXXX has recently been subject to enforcement action by the Consumer Financial Protection Bureau XXXX XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief