vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The derogatory rating currently on my account has created substantial financial difficulties and emotional stress that continue to affect my daily life. This negative mark has already caused concrete harm by leading to the denial of a recent loan application and triggering increased interest rates on my existing credit accounts, resulting in higher monthly payments and additional financial burden. The ongoing presence of this derogatory information severely limits my access to favorable credit terms and financial opportunities, creating a cycle of financial hardship that impacts my ability to meet my obligations and achieve my financial goals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Und

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: RI

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

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: RI

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am XXXX  this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I request a review of these accounts, and if they can not be confirmed as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is regarding a fraudulent account reported under my name. I have no association with this account and did not authorize, open, or use it. Its presence on my credit file is false and harmful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

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 2025-09-04 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
This is a formal complaint against Equifax concerning the continued reporting of inaccurate, unauthorized, and unverifiable accounts on my credit file. Despite prior disputes, Equifax has failed to conduct a lawful reinvestigation or provide certified documentation showing a permissible purpose for these accounts, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Legal Violations 1. FCRA 604 ( 15 U.S.C. 1681b ) No permissible purpose exists for reporting the disputed accounts.

2. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits furnishing a consumer report without written authorization.

3. 15 U.S.C. 1681a ( 4 ) Defines consumer report, subjecting this data to full FCRA protections.

4. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to ensure maximum possible accuracy.

5. FCRA 609 ( 15 U.S.C. 1681g ) Grants me the right to all information in my file, including sources and permissible purpose.

6. FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation of disputed information.

7. FCRA 611 ( a ) ( 5 ) Mandates deletion of unverifiable or inaccurate information within 30 days.

8. FCRA 611 ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted data without proper certification and advance notice.

9. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires immediate blocking of unverifiable, unauthorized, or identity theftrelated information when a valid FTC Identity Theft Report is submitted.

10. FCRA 616617 ( 15 U.S.C. 1681n1681o ) Establish liability for willful and negligent noncompliance. 
11. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) Case law requires credit bureaus to conduct an independent investigation, not merely parrot creditor data. 
Facts of the Case Equifax is reporting the following accounts without permissible purpose, authorization, or certified documentation : XXXX Acct. ending XXXX XXXX XXXX Acct. ending XXXX XXXX XXXX XXXX Acct. ending XXXX XXXX Acct. ending XXXX XXXX XXXX Acct. ending XXXX At no time did I authorize, consent to, or establish a lawful relationship with these furnishers. Equifax has failed to provide original signed applications, contracts, or agreements; failed to disclose the identity of the individual ( s ) who verified the information ; and has relied on automated systems such as e-OSCAR, which are inadequate under the FCRA.

I have already filed an FTC Identity Theft Report ( Report No. XXXX ) and a police report regarding this matter. Under 605B, Equifax is required to delete and block these items permanently. 
Harm Equifaxs continued reporting of these unverifiable accounts has damaged my creditworthiness, caused credit denials, harmed my financial credibility, and inflicted significant emotional distress. 
I appreciate your help to solve this matter promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
This is a formal complaint against Equifax concerning the continued reporting of inaccurate, unauthorized, and unverifiable accounts on my credit file. Despite prior disputes, Equifax has failed to conduct a lawful reinvestigation or provide certified documentation showing a permissible purpose for these accounts, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Legal Violations 1. FCRA 604 ( 15 U.S.C. 1681b ) No permissible purpose exists for reporting the disputed accounts.

2. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits furnishing a consumer report without written authorization.

3. 15 U.S.C. 1681a ( 4 ) Defines consumer report, subjecting this data to full FCRA protections.

4. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to ensure maximum possible accuracy.

5. FCRA 609 ( 15 U.S.C. 1681g ) Grants me the right to all information in my file, including sources and permissible purpose.

6. FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation of disputed information.

7. FCRA 611 ( a ) ( 5 ) Mandates deletion of unverifiable or inaccurate information within 30 days.

8. FCRA 611 ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted data without proper certification and advance notice.

9. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires immediate blocking of unverifiable, unauthorized, or identity theftrelated information when a valid FTC Identity Theft Report is submitted.

10. FCRA 616617 ( 15 U.S.C. 1681n1681o ) Establish liability for willful and negligent noncompliance. 
11. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) Case law requires credit bureaus to conduct an independent investigation, not merely parrot creditor data. 
Facts of the Case Equifax is reporting the following accounts without permissible purpose, authorization, or certified documentation : XXXX Acct. ending XXXX XXXX XXXX Acct. ending XXXX XXXX XXXX XXXX Acct. ending XXXX XXXX Acct. ending XXXX XXXX XXXX Acct. ending XXXX At no time did I authorize, consent to, or establish a lawful relationship with these furnishers. Equifax has failed to provide original signed applications, contracts, or agreements; failed to disclose the identity of the individual ( s ) who verified the information ; and has relied on automated systems such as e-OSCAR, which are inadequate under the FCRA.

I have already filed an FTC Identity Theft Report ( Report No. XXXX ) and a police report regarding this matter. Under 605B, Equifax is required to delete and block these items permanently. 
Harm Equifaxs continued reporting of these unverifiable accounts has damaged my creditworthiness, caused credit denials, harmed my financial credibility, and inflicted significant emotional distress. 
I appreciate your help to solve this matter promptly

Company response to consumer: Closed with explanation