vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
RE : URGENT DISPUTE FRAUDULENT inquiries UNDER 15 U.S.C. 1681c-2 FILED FTC REPORT # : IDTheftReport_XXXX Dear Equifax, This letter is a formal dispute under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, also known as Section 605B, regarding multiple fraudulent items listed on my credit report due to identity theft. I am a victim of identity theft and did not open, authorize, or have any knowledge of the following inquiries now harming my credit profile : XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX/2024 XXXX XXXX XXXX2024 XXXX XXXX XXXX2024 XXXX XXXX XXXX2024 XXXX XXXX2024 XXXX XXXX XXXX2024 Pursuant to 15 U.S.C. 1681c-2, once you receive : 1. A valid identity theft report, and 2. Proof of my identity, You are legally required to block the fraudulent information from appearing in my file within 4 business days of receipt. Attached are the following documents : A copy of my government-issued ID A utility bill or proof of residence A copy of the FTC Identity Theft Report A signed affidavit confirming I did not open or authorize these inquiries

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the immediate removal of all bankruptcy-related remarks from the XXXX  account due to inaccurate and misleading reporting that violates the Fair Credit Reporting Act ( FCRA ). 

This auto loan account was repossessed and closed on XX/XX/XXXX before my XXXX  XXXX bankruptcy case was filed. XXXX is reporting a {$0.00} balance, implying the debt was satisfied, while simultaneously attaching XXXX  XXXX bankruptcy remarks, which falsely suggest this debt was discharged or included in the bankruptcy case.

You can not have it both ways.

The account is not open, not delinquent, and not included in the bankruptcy, yet its being reported as such which is legally and ethically deceptive under : FCRA 1681e ( b ) Reasonable procedures to assure maximum accuracy FCRA 1681i ( a ) ( 1 ) ( A ) Failure to correct or delete inaccurate or unverifiable information FCRA 1681s-2 ( b ) Furnisher duties after notice of dispute This account has been in dispute since XX/XX/XXXX more than XXXX  days ago giving XXXX  ample time to resolve the matter. I now demand : Full removal of all bankruptcy notations from this tradeline OR full deletion of the tradeline from all credit bureaus if they can not verify legal accuracy If this is not resolved within XXXX business days, I will escalate to : The Office of the Comptroller of the Currency ( OCC ) The Florida Attorney Generals Office And prepare an intent to sue under FCRA 616 and 617 for actual and punitive damages This account was repossessed before filing, so it was not part of the bankruptcy discharge and should not be labeled as such. This misreporting is impacting my ability to secure reliable transportation and rebuild after bankruptcy.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the immediate removal of all bankruptcy-related remarks from the XXXX  account due to inaccurate and misleading reporting that violates the Fair Credit Reporting Act ( FCRA ). 

This auto loan account was repossessed and closed on XX/XX/XXXX before my XXXX  XXXX bankruptcy case was filed. XXXX is reporting a {$0.00} balance, implying the debt was satisfied, while simultaneously attaching XXXX  XXXX bankruptcy remarks, which falsely suggest this debt was discharged or included in the bankruptcy case. 

You can not have it both ways. 

The account is not open, not delinquent, and not included in the bankruptcy, yet its being reported as such which is legally and ethically deceptive under : FCRA 1681e ( b ) Reasonable procedures to assure maximum accuracy FCRA 1681i ( a ) ( 1 ) ( A ) Failure to correct or delete inaccurate or unverifiable information FCRA 1681s-2 ( b ) Furnisher duties after notice of dispute This account has been in dispute since XX/XX/XXXX more than 90 days ago giving XXXX  ample time to resolve the matter. I now demand : Full removal of all bankruptcy notations from this tradeline OR full deletion of the tradeline from all credit bureaus if they can not verify legal accuracy If this is not resolved within XXXX business days, I will escalate to : The Office of the Comptroller of the Currency ( OCC ) The Florida Attorney Generals Office And prepare an intent to sue under FCRA 616 and 617 for actual and punitive damages This account was repossessed before filing, so it was not part of the bankruptcy discharge and should not be labeled as such. This misreporting is impacting my ability to secure reliable transportation and rebuild after bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the immediate removal of all bankruptcy-related remarks from the XXXX  account due to inaccurate and misleading reporting that violates the Fair Credit Reporting Act ( FCRA ). 

This auto loan account was repossessed and closed on XX/XX/XXXX before my Chapter XXXX bankruptcy case was filed. XXXX is reporting a {$0.00} balance, implying the debt was satisfied, while simultaneously attaching XXXX  XXXX bankruptcy remarks, which falsely suggest this debt was discharged or included in the bankruptcy case. 

You can not have it both ways. 

The account is not open, not delinquent, and not included in the bankruptcy, yet its being reported as such which is legally and ethically deceptive under : FCRA 1681e ( b ) Reasonable procedures to assure maximum accuracy FCRA 1681i ( a ) ( 1 ) ( A ) Failure to correct or delete inaccurate or unverifiable information FCRA 1681s-2 ( b ) Furnisher duties after notice of dispute This account has been in dispute since XX/XX/XXXX more than 90 days ago giving XXXX  ample time to resolve the matter. I now demand : Full removal of all bankruptcy notations from this tradeline OR full deletion of the tradeline from all credit bureaus if they can not verify legal accuracy If this is not resolved within XXXX business days, I will escalate to : The Office of the Comptroller of the Currency ( OCC ) The Florida Attorney Generals Office And prepare an intent to sue under FCRA 616 and 617 for actual and punitive damages This account was repossessed before filing, so it was not part of the bankruptcy discharge and should not be labeled as such. This misreporting is impacting my ability to secure reliable transportation and rebuild after bankruptcy.

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 2025-08-01 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: AL

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 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 XXXXXX/XX/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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LendingUSA
State: FL

Complaint narrative:
I am filing a complaint against LENDINGUSA for inaccurately reporting bankruptcy remarks on a loan that was closed and fully paid off before my XXXX  XXXX bankruptcy filing. 

The account was closed on XX/XX/XXXX, with a {$0.00} balance and no delinquencies or charge-offs. It was not included in the bankruptcy filing ( XXXX XX/XX/XXXX, XXXX XXXX. XXXX ). 

LENDINGUSA is falsely reporting XXXX  XXXX bankruptcy in the remarks, despite : XXXX late payments A paid-in-full balance A clean payment history across XXXX years This misreporting violates : FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681s-2 ( b ) ( furnisher 's duty after dispute ) UDAAP regulations by the CFPB for deceptive or harmful credit reporting practices This remark is materially misleading and harming my credit recovery. It must be corrected or removed.

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 2025-08-01 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MS

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-01 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : [ 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 2025-08-01 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX I called XXXX  regarding a dispute I had submitted about two accounts from Continental Finance that are inaccurately being reported as open. I was on the call for 36 minutes. I first spoke with a representative named XXXX, who then transferred me to the fraud department. 

I was connected to a representative named XXXX, who confirmed she reviewed the credit card statement I submitted. The statement clearly says Account is closed and also shows {$0.00} available credit, but despite reading this out loud during our call, she told me there was nothing she could do to correct the reporting. 

I informed XXXX that XXXX XXXX XXXX are both reporting the account as closed, which makes it inconsistent and unfair that XXXX is showing it as open. She acknowledged that this did not make sense to her either, but still stated it is not up to her or XXXX to change anything unless the furnisher reports it as closed directly. 

She explained that XXXX can not change the status of the account based on what the consumer submits, even when presented with a statement clearly showing the account is closed. She stated that it is up to the furnisher ( XXXX XXXX ) to check a box for open or closed when they report, and if they check open, that is how XXXX will display it. 

She also demonstrated a lack of understanding about how to read a credit card statement. She incorrectly assumed that the billing cycle closing date meant the account had closed recently, and she claimed that having {$0.00} available credit does not mean an account is closed. I had to point out that the statement clearly says the account is closed at the bottom. 

Despite all of this, XXXX repeated multiple times that she could not make any corrections, and all she could do was attach my complaint to the file and allow the furnisher up to 30 days to respond. 

This demonstrates a failure to conduct a proper reinvestigation under the FCRA and undermines the rights of consumers who provide clear documentation.

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 2025-08-01 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
XXXX is reporting I missed XXXX payment, which is negatively affecting my credit score harshly. The damage they have done has cost me almost XXXX point in damage to my Transunion report. I have disputed this with transunion with nothing back as of now. I am including documented proof that beginning of XXXX and beginning of XXXX they have put out statements marking me as current, so there is no way I could have missed a payment. This is a violation of FCRA ( 15 U.S.C. 1681s-2 ). I want this tradeline and company removed from any item regarding me or my personal credit ASAP.

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