vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. 

The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX XXXX Account XXXX. XXXX Date Opened/Reported : XX/XX/year> Legal Basis : 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumer dispute. To date, I have not received this documentation.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a risk that inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to 1681i ( a ) ( 5 ), I request that all unverifiable information be deleted.

Failure to Investigate Properly : 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete investigation within the 30-day timeframe required by law. The results failed to adequately resolve my concerns.

15 U.S.C. 1681c-2 : Credit bureaus are required to block identity theft-related information within four business days of receiving a valid identity theft report.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be removed from my report.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used.

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 2025-06-03 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: AZ

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: WI

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 XXXX 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 XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 XXXX 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 2025-06-03 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX accounts, XXXX loans, XXXX loans and XXXX XXXX XXXX consumer accounts. These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not XXXX, made or initiated by me. All of the said accounts, collections and XXXX 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 XXXX federal trade commission that all of the aforementioned, XXXX XXXX  accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX different capital one cards that I have paid off and they refuse to send current balance to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a formal complaint against Navy FCU for reporting a charge-off account on my credit report that has not been properly validated. The account was opened in XX/XX/XXXX, and closed on XX/XX/XXXX, with a balance of {$13000.00}. This negative information is furnishing this information to all three credit bureaus despite my attempts to dispute its accuracy and demand validation. 

I sent direct disputes to both the credit bureaus and creditors for validation of this alleged debt, including a copy of the signed contract and itemized billing statements. As of the date of this filing, I have not received any response or evidence supporting the legitimacy of the account. Under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX, furnishers have a duty to report only accurate and verifiable information. 

This continued reporting is negatively affecting my creditworthiness, and I believe Navy Federal is willfully violating the FCRA by failing to properly investigate and validate this account after receiving formal dispute notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am writing regarding fraudulent accounts resulting XXXX XXXX XXXX XXXX that has affected my XXXX XXXX. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please remove and block these accounts within XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts 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 Balance : {$0.00}

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 2025-06-03 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: PA

Complaint narrative:
I am writing regarding fraudulent accounts resulting XXXX XXXX XXXX XXXX that has affected my XXXX XXXX. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please remove and block these accounts within XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts 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 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to XXXX XXXX. XXXX. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. 

The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX XXXX Account XXXX. XXXX Date Opened/Reported : XX/XX/year> Legal Basis : XXXX U.S.C. XXXX ( XXXX ) Description of XXXX : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within XXXX  days of receiving a consumer dispute. To date, I have not received this documentation. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a XXXX XXXXhat inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information. 

XXXX XXXX. XXXX ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to XXXX ( a ) ( XXXX ), I request that all unverifiable information be deleted. 

Failure to Investigate Properly : XXXX U.S.C. XXXX : After submitting my dispute, I did not receive a complete investigation within the XXXX timeframe required by law. The results failed to adequately resolve my concerns. 

XXXX XXXX. XXXX : Credit bureaus are required to block identity theft-related information within XXXX business days of receiving a valid identity theft report. 
Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX ( XXXX ), all unverifiable or inaccurate information must be removed from my report. 

Failure to Maintain Reasonable Procedures ( XXXX XXXX. XXXX ( b ) ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I am disputing a collection account reported by XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
Our dog needed urgent XXXX  care and this hospital kept him for approximately XXXX days from XX/XX/year> - XX/XX/year>. The hospital claimed our dog was stable for the most part, but dog XXXX of a XXXX XXXX XXXX XXXX XXXX XXXX Our invoice shows services we never received request for approval or results from to know if they actually occurred, like XXXX XXXX XXXX  The hospital claimed we would not be charged for anything after attempts to revive our dog failed. When reviewing our invoice, the hospital refused to respond when we asked for a complete explanation of his care and the charges. The charges quickly ran up to over {$12000.00} with not all being authorized. They failed to respond in any way and took away our access to our customer portal to review conversations between us and their staff. Ultimately, our bank did an investigation and removed {$1500.00} in unauthorized charges, but the hospital reported this to collections through TEK Collect. 
My wife was able to remove the charges by filing a complaint with documentation through the CFPB when it hit her report, but the collection of XXXX charges still remains on my credit report for {$1500.00} - a XXXX more than the vet attempted to collect. This has XXXX  me financially, not to mention the XXXX XXXX XXXX XXXX to dig through our XXXX XXXX records all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IA

Complaint narrative:
XXXX XXXX is reporting an account that was XXXX in bankruptcy as having XXXX payments made during the bankruptcy automatic stay, and after the bankruptcy XXXX Per bankruptcy law there can be NO reporting of any payment activity after the initial filing date of XX/XX/XXXX during the automatic stay, and after the bankruptcy XXXX. Reporting XXXX payment on the XXXX account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX is in violation of the bankruptcy XXXX violation, and must be removed. 

It has reached a point of frustration that Equifax and XXXX are failing to remedy this situation, and forcing me to file XXXX XXXX XXXX  against both company 's in the XXXX XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XX/XX/XXXX my credit report showed that there was a charge off on the account for the car. I was not aware of this until XX/XX/XXXX when landlord 's ran my report for an approval. They were shocked that it was in the XXXX range with the charge off. I was still making payments and still had the vehicle. They did not reposes the car until XX/XX/XXXX. I have been asking since XX/XX/XXXX for this form. Calling a lot during the months of XXXX and XXXX. I have had representatives hang up on me as well as tell me that they know nothing about that form. They have also told me that I could only get that form if there is a settlement on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: GA

Complaint narrative:
I received a letter from American Coradius International LLC. They are a debt collector. Their claim is that I owe money to XXXX. The total is {$260.00}. This is a scam. I never owed this nor have I ever heard a word from XXXX. The debt XXXX phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am sending this complaint to PENTAGON FEDERAL CR UN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

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 2025-06-03 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:
ON MY TRANSUNION REPORT I HAVE UNAUTHORIZED INQUIRY ON MY REPORT THAT DOES NOT BELONG TO ME OR THATS NOT ATTACHED TO ANY OF MY ACCOUNTS. 

XXXX. XXXX XXXX XXXX XXXX. XXXX BANK 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 XXXXXXXX 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