vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I am writing to file a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Over the past several months, I have submitted four separate written disputes to each of the three credit bureaus regarding inaccurate and unverified debts listed on my credit reports. In my letters, I clearly requested that they verify the accounts in question and provide evidence of the method and results of their investigation. 

Despite these efforts, all three credit bureaus have responded stating that the accounts were " verified as accurate '' without supplying any documentation or evidence from the original creditors. This constitutes a violation of my rights as a consumer under FCRA, which requires that they : Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) ; Provide the consumer with the results of the reinvestigation, including the name, address, and phone number of the furnisher of the information ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) ; and Delete or modify inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ). 

None of these obligations have been fulfilled in my case. The continued reporting of these unverifiable accounts is not only damaging my credit score but is also a form of negligent and potentially willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 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 2025-06-12 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: NC

Complaint narrative:
I am writing to formally dispute several discrepancies in my credit report that appear inaccurate, unverifiable, or improperly reported. I respectfully request that all inaccurate personal information and any negative account data that can not be verified in full compliance with consumer law and XXXX XXXX standards be deleted immediately.

Credit reporting agencies are required under 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ) to maintain strict accuracy and conduct reasonable investigations when a consumer disputes information. Any deviation from these standardsparticularly those outlined in the XXXX XXXX XXXX Compliance Format and CRRGundermines the integrity of your data reporting. 

I am challenging the following personal information as incorrect : Name : XXXX XXXX XXXX Date of Birth : XXXX Employer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Previous Address : XXXX XXXX  XXXX XXXX XXXX, XXXX, NC XXXX Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Please provide physical evidence to support any derogatory or delinquent accounts currently appearing on my report, including documentation of the original creditor 's permissible purpose and my written consent. If such proof can not be produced, these accounts must be permanently deleted. 

I am also challenging the following collection : XXXX XXXX Account ID : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681n and XXXX XXXX compliance, failure to correct or delete unverifiable or incorrect data is considered willful noncompliance. Any continued reporting without complete validation exposes you to financial liability of no less than {$1000.00} per violation, as well as potential court action. 

Unless I receive written confirmation that these claims have been deleted and an updated copy of my credit report is provided within 30 days, I will assume you are intentionally violating your legal responsibilities. I expect your full cooperation and resolution without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
The vehicle was involved in an accident and the company was supposed to pay the vehicle off to the lender and they sent the payment to the wrong company twice resulting in a delayed payment which affected my credit. The delaying company offered credit repair services and the lender offered to remove the late payments and how it appeared on the credit score but when I inquired after the final payment they no longer offered to take care of the credit reporting

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 2025-06-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Dispute of Inaccurate Account on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. The item listed below is incorrect and I am requesting its immediate investigation and removal by the Fair Credit Reporting Act ( FCRA ) : - * * Creditor/Lender Name : XXXX XXXX XXXX XXXXD XXXX * * Account Number : XXXX - XXXX XXXX Reason for Dispute : Fraudulent account- This account does not belong to me. 
- The balance is inaccurate. 
- The account status is incorrect ( e.g., shows delinquent or defaulted when it is current or paid ). 
- The account is a duplicate of another entry. 
- The account was included in bankruptcy but not updated. 
- The account should have aged off ( over XXXX XXXX XXXX from the delinquency date ). 

I'm sharing copies of supporting documentation to substantiate my claim, including [ examples : a copy of my ID, a billing statement, payoff letter, deferment/forbearance approval, etc. ] here. 

Please investigate this matter and remove or correct the inaccurate information within 30 days of receipt, as required by the FCRA. Please send me written confirmation of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
Statement Regarding Inaccurate and Fraudulent Information on Credit Reports I have formally requested that Experian, Equifax, and TransUnion investigate several inaccuracies and fraudulent items that have been reported on my credit file. Along with my dispute, I asked each credit reporting agency to block and delete the disputed information during the investigation process, as provided for under 15 U.S.C. 1681c2.

Each agency returned the results of their investigations within 48 hours, stating the items had been " verified. '' However, none of the agencies were able to provide documentation or explain how they verified the accuracy of the disputed information. This lack of transparency is especially concerning given that my personal data has been involved in multiple data breaches over the past three years.

The disputed accounts include charge-offs and other derogatory information allegedly reported by XXXX, XXXX XXXX, and XXXX XXXX, all of which appear on all three of my credit reports. Additionally, there is a bankruptcy being reported, which I also dispute. I contacted the Clerk of the Court to inquire whether the court shared or sold this information to the CRAs and was informed in writing that they do not share consumer information with credit bureaus. I will attach a copy of that letter for your reference. 

I am seriously concerned about how the credit reporting agencies obtained and verified this information, especially since I did not open these accounts or authorize the related inquiries. This represents a clear violation of my privacy and has severely impacted my ability to obtain housing and provide for my XXXX children, affecting my livelihood and quality of life. 

Due to the presence of fraudulent accounts and unauthorized inquiries that I did not initiate, I have also filed an FTC Identity Theft Report. I explicitly requested that these unauthorized accounts and inquiries be removed under 15 U.S.C. 1681c2, but the CRAs have failed to comply.

Therefore, I am asking the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation and take appropriate enforcement action. I am formally requesting that all inaccurate, unverifiable, and fraudulent items be removed from my credit reports with Experian, Equifax, and TransUnion in accordance with federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
Statement Regarding Inaccurate and Fraudulent Information on Credit Reports I have formally requested that Experian, Equifax, and TransUnion investigate several inaccuracies and fraudulent items that have been reported on my credit file. Along with my dispute, I asked each credit reporting agency to block and delete the disputed information during the investigation process, as provided for under 15 U.S.C. 1681c2.

Each agency returned the results of their investigations within 48 hours, stating the items had been " verified. '' However, none of the agencies were able to provide documentation or explain how they verified the accuracy of the disputed information. This lack of transparency is especially concerning given that my personal data has been involved in multiple data breaches over the past three years.

The disputed accounts include charge-offs and other derogatory information allegedly reported by XXXX, XXXX XXXX, and XXXX XXXX, all of which appear on all three of my credit reports. Additionally, there is a bankruptcy being reported, which I also dispute. I contacted the Clerk of the Court to inquire whether the court shared or sold this information to the CRAs and was informed in writing that they do not share consumer information with credit bureaus. I will attach a copy of that letter for your reference. 

I am seriously concerned about how the credit reporting agencies obtained and verified this information, especially since I did not open these accounts or authorize the related inquiries. This represents a clear violation of my privacy and has severely impacted my ability to obtain housing and provide for my XXXX children, affecting my livelihood and quality of life. 

Due to the presence of fraudulent accounts and unauthorized inquiries that I did not initiate, I have also filed an FTC Identity Theft Report. I explicitly requested that these unauthorized accounts and inquiries be removed under 15 U.S.C. 1681c2, but the CRAs have failed to comply.

Therefore, I am asking the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation and take appropriate enforcement action. I am formally requesting that all inaccurate, unverifiable, and fraudulent items be removed from my credit reports with Experian, Equifax, and TransUnion in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly harming both my credit and score. I was previously assured by your representative that these inquiries would be removed, yet they remain. This failure to act is unacceptable. Their continued presence raises serious concerns of identity theft and is causing ongoing emotional and financial harm. These unauthorized and potentially fraudulent inquiries must be removed immediately to restore the accuracy and integrity of my credit report. I demand a prompt and thorough investigation without further delay.

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 2025-06-12 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: IL

Complaint narrative:
I've 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I sent documents they refused to speak to me unless I pay them they will not give me any of the things that I asked for and I asked him for validation of the debts 1692 g want to know if they can collect them by state the original contract agreement a bill of sale chain of custody and I want to know the fees of the invoice that dated all the fees and changes and they just refuse to give me any of that or validate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AE

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Sent a series of letters to verify debt. Debt was disputed and no record of validation just a return letter that a debt was owed. LNVN, XXXX XXXX, and first premier. These were all sold to 3rd parties still no validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-12 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
XXXX XXXX XXXX is showing a balance of {$7500.00} on all three credit reporting agencies. 

This account information is incorrect. This account was paid in full in XX/XX/year>. 

I have attempted to contact the company to send me a statement, however the company is no longer in business and unable to assist me. 

I have submitted letters, disputes and proof of payment on multiple occasions to XXXXXXXX XXXX  Equifax, XXXX  and no response within the required 30 days.

Company response to consumer: Closed with non-monetary relief