vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm.

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in 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 2025-05-26 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: MA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
On XX/XX/XXXX Experian credit bureau credit report XXXX deleted the following account XXXX XXXX XXXX XXXX XXXX, and TRANSUNION CREDIT REPORT NUMBER XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX * * * * furthermore I received a letter from XXXX XXXX XXXX XXXX stating that the date of the enclosed letter which was XX/XX/XXXX that this account was deleted from there files. XXXX XXXX is the furnisher of this account. So how can Experian still report this account when the company that furnished the account to them deleted it from there files and submitted a dispute with Experian requesting them to delete this account. 
This account was then reinserted on my credit file in violation of section 611 of the FAIR CREDIT REPORTING ACT that states that ( iii ) Notice to consumer is if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file the consumer reporting agency SHALL notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for the purpose, by any other means available to the agency.

Experian has violated FCRA SECTION 611 at no time was I contacted by mail, by phone call, or e-mail to let know that this account would be reinserted back to my credit file. There was no proof provided even after I requested proof of of tracking and proof of communication.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute inaccurate personal information contained in my TransUnion credit report. As outlined below, the errors violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain complete and accurate consumer information.

Disputed Issues : Misspelled Alias : My report includes the incorrect alias XXXX XXXX. This is a typographical error ; my correct name is XXXX XXXX. I have never used the spelling XXXX. 

Incorrect Alias : The report also lists XXXX XXXX, which appears to be a concatenation of my first and middle names. This is not a valid alias and should be removed. 

Outdated Address : My report currently lists XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX These are former addresses. My current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Duplicate or Formatting Error in PO Box Address : My previous address is incorrectly listed as XXXX XXXX XXXX XXXX which appears to contain a duplicate street number. Please review for accuracy. 

Under FCRA Sections 1681e ( b ) and 1681i, I request that you investigate these entries and either correct or remove them if they can not be verified with reasonable accuracy. Please update my credit file to reflect my correct personal information and provide a written confirmation and updated credit report upon completion of your investigation. 

Thank you for your attention to this matter.

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 2025-05-26 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: IN

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} FCO - Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IN

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} FCO - Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Account Number XXXX * * * * To Whom It May Concern, I'm writing to you with deep respect and appreciation for the service your company has provided to me over the years. I understand that my past account reflected a settlement for less than the full balance, and I accept full responsibility for the financial difficulty that caused it. 

At the time, I was going through a divorce that deeply impacted me both emotionally and financially. It was a turbulent period, and though I tried to stay on top of all my obligations, I ultimately had to make difficult decisions to maintain stability for myself and my family. 

Since then, Ive worked hard to rebuild my credit and regain control of my finances. The account in question is already closed and settled, and Im respectfully requesting that you consider removing the charge-off and " settled for less '' status from my credit report as a goodwill gesture. 

This account is already scheduled to fall off next year ( in XXXX ), and I would be incredibly grateful if you could consider removing it a bit earlier to reflect my efforts to move forward and maintain a strong payment history since then. I'm not disputing the accuracy of the report, only asking for a compassionate adjustment. 

Thank you so much for taking the time to consider my request. Your support would make a meaningful difference as I continue rebuilding and pursuing new financial opportunities. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX Date : XX/XX/2023 XXXXXXXX XXXX XXXX Date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: AL

Complaint narrative:
I am writing to dispute inaccurate and misleading information being reported on my credit file related to an account with Grow Credit. Specifically, this account was reported as delinquent on XX/XX/year>, then marked as improved/current on XX/XX/year>, and then again reported as delinquent on XX/XX/year>, despite the fact that I have not made any payment during this time. 

This reporting sequence is factually inaccurate and misleading. Furthermore, there is a documented discrepancy in the reported balance across different credit reports. One bureau reflects a {$210.00} balance, while another shows {$110.00}, which is not possible without a payment or balance adjustmentneither of which has occurred. This inconsistency directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates that all furnished information be accurate and verifiable. 

Grow Credits actions suggest either an attempt to re-age the account or a fundamental failure to maintain data integrity, both of which are serious violations of consumer protection law. 

If this tradeline is not promptly and permanently corrected or removed, I will initiate arbitration as permitted under the applicable agreement and pursue all legal remedies available to me under the FCRA and other relevant statutes. 

Please investigate and respond within 30 days, as required under FCRA 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm. 

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-26 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MI

Complaint narrative:
I am filing this complaint against TransUnion LLC for failure to comply with federal law regarding identity theft and the inclusion of fraudulent accounts in my consumer report. 



Facts : 1. My identity has been stolen and used fraudulently to open an account in my name without my knowledge or consent.

2. The account in question is listed as XXXX XXXX XXXX, and it is currently appearing on my TransUnion consumer report.

3. I did not open, authorize, or have any involvement with this account.

4. I have taken appropriate identity theft precautions, including filing an identity theft report and notifying TransUnion that the XXXX XXXX XXXX account is the result of identity theft. 
5. Despite this, TransUnion has failed to block the fraudulent information as required under the Fair Credit Reporting Act.

Legal Basis : Under 15 U.S. Code 1681c-2 Block of information resulting from identity theft, a credit reporting agency must block any information that the consumer identifies as resulting from identity theft within four business days of receiving : Proof of identity ; A copy of a police report or Federal Trade Commission ( FTC ) identity theft report ; A statement from the consumer identifying the fraudulent information ; and A request for the block. 

I have complied with all these requirements, yet TransUnion has failed to remove or block the fraudulent XXXX XXXX XXXX account from my report. 



Conclusion : TransUnion is in clear violation of federal law by continuing to report a fraudulent account on my consumer report after proper notice and documentation. This is not only negligentit causes ongoing harm to my financial reputation and violates my legal rights under the FCRA. 

I respectfully request that the CFPB investigate this matter and hold TransUnion accountable for its failure to act in accordance with 15 U.S. Code 1681c-2.

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