vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Good day, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse.

Please confirm receipt of this letter and inform me once the disputed information is deleted.

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 2025-11-19 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Account name XXXX XXXX XXXX  Account number XXXX XX/XX/year> {$5500.00}

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 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-19 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:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : EQ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems has already been given the opportunity to validate this debt and failed to do so. Because they could not provide verification that meets the requirements of FDCPA 809 ( b ) or furnish accurate information under FCRA 1681e ( b ) and 1681s-2 ( b ), correction is no longer acceptable.

I am requesting the following : Immediate deletion of this Southwest Credit Systems account from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX, because the debt is unverified, inaccurately reported, and legally can not be collected or furnished.

A statement from Southwest Credit acknowledging that the account has been deleted due to lack of proper validation.

Confirmation that Southwest Credit will cease all collection activity permanently, because they can not validate the debt as required by FDCPA 809 ( b ).

Correction is not an acceptable remedy because : The debt was never validated properly The amounts reported do not match Comcasts own records There is no contract, assignment, or proof I owe the alleged balance Continuing to report unverifiable information violates FCRA 1681s-2 ( b ) They already had an opportunity to investigate and failed.

Deletion is the only lawful correction at this point.

I also need to add that none of the information Southwest Credit provided matches what is being reported on my credit reports.

The Comcast billing statements they sent show different balances ( {$490.00} to {$580.00} ), different dates, different itemizations, and different charges than the amount Southwest Credit is reporting ( {$480.00} ) to XXXX XXXX XXXX XXXX

Nothing they provided is consistent with : The balance reported by Southwest Credit The dates reported to the credit bureaus The status codes on the reports The account details in XXXX XXXX XXXX XXXX  This violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires furnishers to report information that is accurate, complete, and not misleading.

It also violates FCRA 1681s-2 ( b ) because Southwest Credit continued furnishing information after receiving a dispute, failed to conduct a reasonable investigation, and returned documents that do not support the reported information.

Because NOTHING they provided matches the information shown on my credit reports, the account is : Inaccurate Unverified Unsubstantiated Not legally reportable under FCRA Not collectible under FDCPA 809 ( b ) This makes FULL DELETION the only lawful remedy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 attempted twice to give Experian the chance to correct the error that inaccurately being reported on my consumer report, both times I stated what the law prohibits and the rules that they have to follow and if this alleged late payment is accurate give me the documents proving that it is whats being reported is 100 % accurate they can not and Under 15 U.S.C. 1666b, a creditor must properly credit a payment as of the date received and may not report a payment as late absent verified evidence of an actual delinquency. so even the reporting of alleged late payments on ones consumer report are against the law. they refuse to honor the rules, refuse to do a real investigation and gather the documentation of accuracy and continuously choose to break the law and with lack luster reporting with there response of verified as accurate as a bandage to not doing the work

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 2025-11-19 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I rented a truck from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. I was not able to return the truck back to that location because my Mom just had a XXXX  put in her XXXX and she was my only ride and could not make the drive. I was told verbally over the phone that returning the truck to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX would be ok because it was the closest location. I returned the truck on XX/XX/year> between XXXX and XXXX. They had no night key drop and the store appeared closed so I locked the keys in the truck as I was told to do verbally over the phone. I got a bill for XXXX the next month and was told the truck was returned to a XXXX in XXXX XXXX. I have not been to XXXX in years. I was told through email as documented that it was a repossession. But the receipt stated that I was charged for XXXX weeks at {$620.00} per week. I only had the truck for XXXX weeks. Then my receipt disappeared from the XXXX website after I stated it said nothing about a repo. The total cost should have been {$1400.00}. I was overcharged {$2600.00}. Capital One took the charge off at first and then put it back on saying that I had to get documentation from XXXX, and XXXX said that I had to get documentation from Capital One. I am a XXXX XXXX veteran and they are doing this to me on XXXX  XXXX  which makes it even worse. Now both companies are ignoring me and I have no idea which company was paid and which was not. I have never had to deal with such unprofessionalism in my life. Thanks XXXX XXXX. See documents and screenshots on emails to see what I have had to go through. I have not been able to buy groceries or pay my bills because of this. And it has already gained over {$100.00} some dollars in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: DE

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address the following disputes on my Equifax credit report. I request your immediate investigation and resolution of these matters. Please find the details below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5700.00} 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Information was reinserted back on my credit report after I file a police report and sent it to the XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
Information was reinserted back on my credit report after I file a police report and sent it to the XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-11-19 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: SC

Complaint narrative:
The investigation did not fix an error on your 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 2025-11-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Ava Finance, Inc
State: NE

Complaint narrative:
Title : Unauthorized Charges by Ava Finance for Services Never Provided What happened : Ava Finance charged me {$9.00} per month on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, even though I was denied for their credit builder card and was never enrolled in any of their credit-building products. I never received a card, never activated any account, and was told I could not use the service. Despite this, they continued charging my bank account monthly. 

They refunded only {$27.00}, which covers XXXX months, but kept {$9.00} that was also unauthorized. Ava admitted in writing that I was never enrolled and that they were not reporting anything to the credit bureaus. 

This is an unauthorized withdrawal issue under the Electronic Fund Transfer Act ( Regulation E ) and deceptive billing practice under the Consumer Financial Protection Act. 

I am requesting a full refund of all unauthorized charges ( {$36.00} ), documentation of the investigation, and closure of the account with no further withdrawals. 

Company : Ava Finance Amount disputed : {$36.00} Resolution requested : Full refund, account closure, and confirmation of compliance. 


-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-19 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 am submitting a formal dispute regarding the following inaccurate accounts on my TransUnion credit report. These entries appear to be erroneous and must be corrected immediately. As required by the Fair Credit Reporting Act ( FCRA ), you are legally bound to conduct a thorough investigation and resolve these discrepancies within 30 days. 

CHARGED OFF : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$230.00}

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 non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-19 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: NC

Complaint narrative:
Didnt hold commercially reasonable sale I wasnt denied to get my high valuable belongings out my vechile. 
Got no notice or paper work Breakdown and payments paid arent correct. 
They have an open lawsuit for stealing and being dishonest. When I brought that up my car was repossessed and a day or XXXX later. There scams and repoed my car without notice or consent. 
This is apart of the debt collection tactic lawsuit. That must be 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 2025-11-19 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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