vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my last hope, I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-06-08 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Last year like many other years before, I travelled to XXXX to be with my family and this time it was very special as I welcomed twins to my growing and lovely family. Every thing was going according to plan even when I lost my phone around XXXX,. After all It was just a phone and this was not the first time that I lost a phone during my past travels to XXXX, but this time was different. I lost XXXX in less than XXXX hours on XXXX the XXXX 2025. Without knowing what happened, I called my bank on the XXXX of XXXX because I could not log in to my online bank account, the shock I discovered was heart breaking. The bank initially told me that they will do an investigation and in ten days they will reach a decision, everything was positive and they assured me not to worry. but the decision they reached after their so-called investigation was devastating, they declined a refund and closed my account, telling me that it was legit transaction and to my surprise they told me it was my pattern. I dont believe they have conducted fair investigation and I will list XXXX reasons why I doubt their investigation First ; They said it is my pattern. 
yes, it is true that I used to use XXXX to send money to my family, but I have never ever sent that amount of money in a month, let alone in less than XXXX hours which is what happened that day. I have never even spent XXXX dollars in a day, nor have I withdrawn that amount from bank in a day. 
Second : identical transactions. 
On XXXX the second before I lost, I sent XXXX and then I sent the exact same amount in XXXX minutes, my bank declined and I had to call them to release the funds. On XXXX the XXXX XXXX dollars was sent XXXX times, XXXX of those in less than half an hour. 
Third : I thought there was a block on my account in XXXX after I received a bonus from my employer I tried to send XXXX dollars to a friend of mine through XXXX so that he could send me the money, because since I lost my phone, I did not have access to the XXXX  app. The bank declined the transaction. If they detected fraud, my question is, wasnt my account supposed to be temporarily suspended? which is the bank 's pattern to do whenever that happens

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 2025-06-08 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: GA

Complaint narrative:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law.

Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests.

I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen LexisNexis files, which makes the verification invalid.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

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 2025-06-08 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: GA

Complaint narrative:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law.

Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests.

I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen LexisNexis files, which makes the verification invalid.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

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 2025-06-08 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: LA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple disputes filed regarding inaccurate and unverifiable information on my credit report, all three bureaus have continued to list several accounts as verified without providing any proof of investigation, method of verification, or supporting documentation ( such as billing receipts or account ownership evidence ). 

The following accounts are inaccurately reported with the status of bankruptcy, which is misleading, damaging to my creditworthiness, and unsubstantiated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue to appear on my Experian, TransUnion, and Equifax credit reports under derogatory or bankruptcy-related statuses, even though I have not received any verifiable information or supporting documentation from the credit bureaus or furnishers proving their legitimacy.

Under 15 U.S.C. 1681i of the FCRA, the credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of any item on their credit report. Furthermore, 1681e ( b ) mandates that only accurate and verifiable information be reported. Their failure to remove these accounts and provide proper validation is a direct violation of these statutes.

Additionally, by continuing to furnish unverifiable and inaccurate information, the credit reporting agencies and data furnishers are in violation of provisions under the FDCPA, particularly as it relates to false representation of a debt, and failure to cease collection/reporting activity after a dispute under 15 U.S.C. 1692e and 1692g.

Relief Sought : Immediate deletion of all the above-referenced accounts from my credit reports across all three bureaus ( Experian, TransUnion, and Equifax ) .

A detailed explanation and documented proof of the investigation process used for each disputed item.

Compensation for damages and emotional distress caused by false reporting and failure to comply with federal law.

An assurance that the agencies will implement better compliance practices to ensure adherence to the FCRA and FDCPA.

Please consider this a formal complaint and an urgent request for investigation. I would appreciate your swift action in holding these agencies accountable and ensuring my rights as a consumer are protected under federal law. 

Sincerely, 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 2025-06-08 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: FL

Complaint narrative:
b'I am submitting a formal identity theft complaint under FCRA 605B and 609(e). From XXXX to XXXX, multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent. \n\nI did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 (permissible purpose) and 605B, which requires consumer reporting agencies to block identity theft-related data within 4 business days of receiving a valid FTC Identity Theft Report and police report. \n\nCompanies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Great American Finance Co
State: WA

Complaint narrative:
I am reporting a fraudulent and unauthorized account listed as GREAT AMERICAN FINANCE ( also referred to as XXXX XXXX ) on my credit report. I did not open, authorize, or use this line of credit, and I have no relationship with this creditor whatsoever. 

The account is marked as a line of credit opened on XX/XX/XXXX, with a highest reported balance of {$2500.00}. The account is now closed with a balance of {$0.00}, and status shows Closed/Never Late as of XX/XX/XXXX. Despite this neutral status, the presence of this account on my credit report is completely inaccurate and unauthorized. 

I have not applied for or used any line of credit through Great American Finance, XXXX XXXX, or any affiliated entities. There is no agreement, no signed documentation, and no legitimate basis for this account to be associated with me. The last payment date of XX/XX/XXXX, is especially alarming, as I did not authorize or make any such payment. 

This appears to be the result of identity theft or a reporting error, and it is currently damaging my credit report through the misrepresentation of a financial relationship that never existed. I am demanding its full removal under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
I am reporting an ongoing issue with my credit report related to a closed auto loan account. On XX/XX/XXXX, I discovered inconsistent late payment reporting across my credit reports : one bureau showed no late payments, another reported a 30-day late payment on XX/XX/XXXX, and a third reported 30-day late payments on XX/XX/XXXX, and XX/XX/XXXX. This discrepancy has negatively impacted my credit score. 

I contacted the creditor on XX/XX/XXXX, and they confirmed no late payments occurred. On XX/XX/XXXX, I filed disputes with the bureaus reporting these errors, submitting payment history documentation as evidence. As of today, XX/XX/XXXX, the bureaus have not corrected the inaccuracies despite the 30-day investigation period under the Fair Credit Reporting Act ( FCRA ). I have attached copies of the payment history, dispute submissions, and credit report excerpts showing the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-06-08 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: LA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple disputes filed regarding inaccurate and unverifiable information on my credit report, all three bureaus have continued to list several accounts as verified without providing any proof of investigation, method of verification, or supporting documentation ( such as billing receipts or account ownership evidence ). 

The following accounts are inaccurately reported with the status of bankruptcy, which is misleading, damaging to my creditworthiness, and unsubstantiated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue to appear on my Experian, TransUnion, and Equifax credit reports under derogatory or bankruptcy-related statuses, even though I have not received any verifiable information or supporting documentation from the credit bureaus or furnishers proving their legitimacy.

Under 15 U.S.C. 1681i of the FCRA, the credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of any item on their credit report. Furthermore, 1681e ( b ) mandates that only accurate and verifiable information be reported. Their failure to remove these accounts and provide proper validation is a direct violation of these statutes.

Additionally, by continuing to furnish unverifiable and inaccurate information, the credit reporting agencies and data furnishers are in violation of provisions under the FDCPA, particularly as it relates to false representation of a debt, and failure to cease collection/reporting activity after a dispute under 15 U.S.C. 1692e and 1692g.

Relief Sought : Immediate deletion of all the above-referenced accounts from my credit reports across all three bureaus ( Experian, TransUnion, and Equifax ) .

A detailed explanation and documented proof of the investigation process used for each disputed item.

Compensation for damages and emotional distress caused by false reporting and failure to comply with federal law.

An assurance that the agencies will implement better compliance practices to ensure adherence to the FCRA and FDCPA.

Please consider this a formal complaint and an urgent request for investigation. I would appreciate your swift action in holding these agencies accountable and ensuring my rights as a consumer are protected under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief