vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: HW Holding, Inc
State: ND

Complaint narrative:
Hunter warfield first contacted me XX/XX/year> about debt I owed to rental property orange property management but XXXX XXXX  says they opened my credit XX/XX/year>. I read online that they are technically supposed to contact you before report to credit report which they did not. I also want to bring up the fact that I had wrote out a dispute for the wrong amount after receiving first email. They had emailed back saying they were investigating it but I never got a response from that. I recently called again to dispute it and never heard a response that that as well. I had to set up payment arrangements on it to be able to move into a place and they are refusing to give me a written payment arrangement. They also locked me out of my account on their website after putting in my card information and I read reviews and Im not the only person they have locked out after putting in that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I received a collection call from XXXX XXXX which is a collection agency regarding this matter. This was the first I had heard of this Integrity Texas Funding, LP. I had not lived at the address shown on the paper work since XXXX, the date on their paperwork showed the loan was taken out XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an unauthorized address being reported on my consumer credit file, as well as multiple fraudulent hard inquiries that I did not authorize or initiate. 

Fraudulent Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize the aforementioned address or inquiries as belonging to me. The aforementioned address and inquiries appearing on my consumer credit report maintained by you were not provided, authorized, or initiated by me. All of the aforementioned entries are the result of identity theft and fraud. 



FTC Identity Theft Report # : XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # [ text : ( Enter FTC number ) ] as proof from the US Federal Trade Commission that the aforementioned consumer credit report entries, consisting of the false address and fraudulent inquiries, are the 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 2025-09-15 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-09-15 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: CO

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX - INQUIRED ON XX/XX/year> All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-09-15 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: CT

Complaint narrative:
This is now my 8th dispute - A number that is absurd and unacceptable and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CT

Complaint narrative:
This is now my 8th dispute - A number that is absurd and unacceptable and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: PR

Complaint narrative:
I am filing this formal complaint against Equifax for its continued and unlawful reporting of a XXXX XXXX XXXX that was dismissed and should not remain on my credit file. This inaccurate reporting is in violation of the Fair Credit Reporting Act ( FCRA ), and I am demanding its immediate removal. 
Disputed Item Details : Type : XXXX XXXX XXXX Dismissed Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX Case Number : XXXX Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Date Terminated : XX/XX/XXXX PACER Case Summary Confirmation : According to the official PACER record, Case No. XXXX ( XXXX XXXX XXXX XXXX was filed on XX/XX/XXXX and dismissed on XX/XX/XXXX. The case was officially terminated on XX/XX/XXXX. This confirms that the bankruptcy was never XXXX, but instead dismissed, meaning no debt relief or liquidation occurred. 
Equifax Report Evidence : My enclosed Equifax credit report XXXX clearly shows the reporting of this dismissed Chapter XXXX bankruptcy under Reference No. XXXX, with a filing date of XX/XX/XXXX. This is materially inaccurate and misleading, as it falsely suggests that a bankruptcy remains on record when in fact it was dismissed and should not negatively impact my credit profile. 
On XX/XX/XXXX, I submitted an additional dispute letter to Equifax with supporting documentation, specifically requesting detailed information regarding the reinvestigation process, including : The name of the entity that certified the accuracy of the reported bankruptcy The documents and evidence relied upon to validate the reporting The contact information of the certifying entity, including address and phone number As of XX/XX/XXXX, Equifax has failed to respond to this second dispute. This continued non-response not only exceeds the 30-day statutory requirement under FCRA 611 ( 15 U.S.C. 1681i ) but also further violates my rights as a consumer. 
Impact of XXXX XXXX : XXXX failure to correct or remove this inaccurate bankruptcy has caused : Severe and unwarranted damage to my credit score Denial of financial opportunities, including credit and lending applications Emotional distress due to the ongoing reporting of false and harmful information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Please provide the following validation : The amount of the alleged debt, including a full itemization of principal, interest, fees, and other charges. 

The name and address of the original creditor. 

A copy of the original signed agreement or contract that verifies my obligation. 

Documentation that you are authorized and licensed to collect debts in my state. 

The full chain of title/assignment showing your legal right to collect this debt. 

Until you provide the requested documentation, you must cease all collection activities, including reporting to credit bureaus. Reporting unverifiable information may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Be advised that I am keeping detailed records of all correspondence regarding this matter. If you fail to comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and other appropriate regulatory authorities. 

This letter is not an acknowledgment that I owe this debt, nor is it a refusal to pay. It is a request for proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MI

Complaint narrative:
I have been reaching out to US Bank XXXX for weeks now in regards to a dispute. The Merchant XXXX has confirmed the funds have been sent back to the Bank on XXXX via multiple emails I have sent the proof of this to the bank I was told 3 business days for a update no update I have spoke with multiple supervisors who state I have to wait for a department that they can not reach but can submit a escalation too to reach out to me I have submitted multiple escalations still with no call or update from the department. The merchant is responding with information just not the bank no update at all.

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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am disputing late payment from XXXX XXXX XXXX for entries reported by Nissan Motor that do not align with the actual due dates or my payment history. The reported delinquencies appear to be incorrect and have negatively affected my credit report. I have reviewed my records and confirmed that payments were made on time. I am requesting that Nissan Motor review the account 's reporting history and remove any late payment entries that can not be verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NV

Complaint narrative:
I called US bank letting them know that I am going on a trip soon. I placed the credit card in an upgrade bidding offer for XXXX XXXX. I got an email telling me that the credit card has been declined and I lost a {$2100.00} bid ( that was worth almost {$10000.00} ) now I lost my XXXX. I called US bank and the customer service agent was super rude and told me to try, but now I lost my place on the bid. My trip is coming up XX/XX/year> and I want to demand US bank to pay for my upgrade because even if I get a room last minute I paid for a {$670.00} packaged that is already included on the upgraded room and I only have two days prior to embarking to cancel it. I am out of time, and US bank ruined my only chance to upgrade, my family and I was celebrating my kids birthday and my husband upcoming XXXX birthday. Now we lost our only chance to make this memory.

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 2025-09-15 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: MA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
Several accounts currently appearing on my credit file are the result of criminal identity theft activities, and at no time did I authorize, apply for, or consent to the establishment of these fraudulent accounts. These illegitimate entries have created devastating consequences for my financial well-being, including denial of credit applications, increased interest rates, and rejection for rental housing. The emotional toll of dealing with this ongoing fraud has been overwhelming, affecting my sleep, mental health, and overall quality of life. These false accounts have also prevented me from qualifying for essential financial services and have damaged relationships with legitimate creditors who view my report as indicative of poor financial management.

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 2025-09-15 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: MI

Complaint narrative:
I am writing to dispute a collection item on my credit report from the collection agency XXXX XXXX XXXX XXXX. The details of the collection are as follows : Collection Agency : XXXX XXXX XXXX XXXX. Original Creditor : XXXX  Account Number : XXXX I have no knowledge of this account. I never opened or authorized any account with the original creditor, XXXX, that would lead to this collection. I request that XXXX XXXX XXXX XXXX provide me with full validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). This validation must include documentation proving that I opened this account, incurred the debt, and that they have the legal right to collect it. Until they can provide such proof, I consider this debt invalid and request that it be removed from my credit file and that all collection activities cease immediately. Thank you for your assistance.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Sent debt validation letter certified and return receipt they signed for the certified and havent heard anything since that was over a month ago.

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