vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: HI

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate 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 2025-08-04 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:
I am a victim of identit theft, someone has used my personal information to open these accounts. Ive never let anyone use my name social or date of birth to open any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: HI

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  \n\nXXXX XXXX\nXXXX\nXXXX\nXXXX\n$XXXX\nREPORTING ON XXXX  XXXX  AND EXPERIAN\n\nXXXX XXXX XXXX XXXX XXXX\nXXXX\nXXXX\nXXXX\n$XXXX\nREPORTING ON EXPERIAN AND XXXX\n\nXXXX XXXX XXXX\nXXXX\nXXXX\nXXXX\nXXXXXXXX\n$XXXX\nREPORTING ON  ALL BUREAU (EXPERIAN, XXXX, AND XXXX  XXXX)\n\n\nXXXX\nXXXX\nXXXX\nXXXX\n$XXXX\nREPORTING ON  ALL BUREAU (EXPERIAN, XXXX, AND XXXX  XXXX)\n\nXXXX XXXX XXXX EX XXXX  XXXX\nXXXXnXXXXnXXXX\n$XXXX\n$XXXX\nREPORTING ON  ALL BUREAU (EXPERIAN, XXXX, AND XXXX  XXXX)\n\nXXXX\nXXXX\nREPORTING ON  ALL BUREAU (EXPERIAN, XXXX, AND XXXX  XXXX)\n\nXXXX XXXX EX XXXX  XXXXnXXXX\nXXXX\nREPORTING ON  ALL BUREAU (EXPERIAN, XXXX, AND XXXX  XXXX)\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-04 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: Experian Information Solutions 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, XXXX denied a transaction on my active XXXX  card account. When I contacted customer service, they cited the XXXX XXXX but refused to identify any specific clause or violation. I have reviewed the agreement and found no breach. I am requesting a written explanation and confirmation that my account remains in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Credit Management Company makes repeated phone calls for accounts that are from XXXX. I have requested itemized receipts, proof of payments made, and debt validation letters. I have sent emails requesting this information. I have not received the requested information, and continually receive phone calls on a day to day basis harassing me. The person making the phone calls provides no information. No account numbers, amounts, reference numbers or anything are provided. They just continue to call and claim their are unpaid debts, but fail to provide any information regarding them. I believe that these are inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint Narrative Unauthorized Reinsertion of XXXX XXXX XXXX XXXX Account I am filing this complaint regarding an unlawful reinsertion of a XXXX XXXX XXXX XXXX account ( Account No. XXXX ) on my credit reports with TransUnion, Experian, and Equifax. This account was previously deleted from all three bureaus following my formal disputes, as confirmed in my consumer disclosures dated XX/XX/XXXX. 

However, in XX/XX/XXXX, I discovered that this same account had been reinserted on all three reports without compliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when a credit bureau reinserts previously deleted information, two conditions must be met : The furnisher must provide written certification of accuracy.

The consumer must receive written notice within five ( 5 ) business days of reinsertion, including the name, address, and phone number of the furnisher.

None of the bureaus provided me with the required written notice. I have also not been shown any written certification from XXXX XXXX verifying the accounts accuracy. This is a direct violation of federal law. 

Identity Theft Considerations FCRA 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under FCRA 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. 

Evidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account. 

XX/XX/XXXX credit bureau reports showing unlawful reinsertion. 

Proof that no written reinsertion notices were provided. 

FTC Identity Theft Report confirming fraudulent activity. 

Impact : These unauthorized reinsertions have caused harm to my credit standing, interfered with my financial stability, and created ongoing stress as I continue to address fraudulent accounts that should have been permanently 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB Complaint Narrative Unauthorized Reinsertion of XXXX XXXX XXXX XXXX Account I am filing this complaint regarding an unlawful reinsertion of a XXXX XXXX XXXX XXXX account ( Account No. XXXX ) on my credit reports with TransUnion, Experian, and Equifax. This account was previously deleted from all three bureaus following my formal disputes, as confirmed in my consumer disclosures dated XX/XX/XXXX. 

However, in XX/XX/XXXX, I discovered that this same account had been reinserted on all three reports without compliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when a credit bureau reinserts previously deleted information, two conditions must be met : The furnisher must provide written certification of accuracy.

The consumer must receive written notice within five ( 5 ) business days of reinsertion, including the name, address, and phone number of the furnisher.

None of the bureaus provided me with the required written notice. I have also not been shown any written certification from XXXX XXXX verifying the accounts accuracy. This is a direct violation of federal law. 

Identity Theft Considerations FCRA 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under FCRA 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. 

Evidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account. 

XX/XX/XXXX credit bureau reports showing unlawful reinsertion. 

Proof that no written reinsertion notices were provided. 

FTC Identity Theft Report confirming fraudulent activity. 

Impact : These unauthorized reinsertions have caused harm to my credit standing, interfered with my financial stability, and created ongoing stress as I continue to address fraudulent accounts that should have been permanently 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 2025-08-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/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 2025-08-04 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:
Ive 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 2025-08-04 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:
Ive 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 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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX SSN Last 4 Digits : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Formal Dispute XXXX XXXX  Account XXXX Charged-Off | Still in Possession of Collateral To Whom It May Concern : I am formally disputing the accuracy, completeness, and legitimacy of the following account listed on my XXXX credit report : - Creditor XXXX XXXX XXXX  - Account Type : XXXX XXXX - Status : Charged-Off and Closed - Balance : [ {$19000.00} or listed amount ] - Date Opened : [ Insert Date from Report ] - XXXX  File ID : [ Insert if available ] This account is being reported as charged-off, which by definition implies a loss due to failure to collect on the debt. However, I remain in physical possession of the collateral ( the vehicle ), which directly contradicts the reporting of a charge-off with an outstanding balance. This makes the tradeline materially inaccurate, misleading, and legally deficient under multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Legal Violations Cited : 1. 15 U.S. Code 1681e ( b ) Failure to Maintain Maximum Possible Accuracy 2. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Duty to Investigate Disputed Information 3. 15 U.S. Code 1681s-2 ( b ) Furnisher 's Duties Upon Notice of Dispute 4. Misleading/Incomplete Reporting No proof of repossession, sale of collateral, or deficiency balance.

DEMAND FOR IMMEDIATE ACTION : 1. Immediate reinvestigation of this XXXX XXXX  tradeline. 
2. Proof of repossession or lawful debt acceleration.

3. Immediate deletion of the account from my XXXX  credit file if unverified. 
4. Written response within 30  days, as required by law. 

Failure to comply will result in formal complaints to the CFPB, FTC, and Attorney General, and may lead to civil litigation under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX- FCRA XXXX ( b ) and FDCPA Violations Failed to respond to mailed dispute after XXXX days ( FCRA XXXX ( b ) ( XXXX ) ) Failed to respond to CFPB complaint ( FDCPA XXXX validation requirements ) Continued reporting unverified information after notice of dispute WILLFUL NONCOMPLIANCE UNDER FCRA XXXX XXXX XXXX violations constitute willful noncompliance based on : Receipt of clear legal notice through FTC XXXX Theft Report Explicit furnisher confirmations of fraudulent accounts Documented pattern of non-compliance despite multiple dispute attempts Failure to follow established legal procedures under XXXX Legal Precedent : XXXX XXXX XXXX Co. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) - willful violation occurs when defendant acts with knowledge that conduct violates FCRA or reckless disregard for legal requirements. XXXX refusal to block these accounts under XXXX after receipt of valid identity theft documentation creates a presumption of willfulness, as affirmed in XXXX. Repeated disregard of XXXX protocol has also been flagged by regulators as a compliance failure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I have previously disputed Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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