vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
Hello on XX/XX/XXXX I sent a letter to all XXXX credit bureaus as well as the reporting agency XXXX XXXX  XXXX. In these letters i pointed out multiple violations of reporting errors. I itemized them and asked for them to be verified and brought into compliance. If these errors couldn't be properly verified by the metro reporting standard then they must be deleted. 

After XXXX  days I hadn't heard back from any companies so i called each XXXX of them to follow up. XXXX of them said they wanted verification the letters were from me before proceeding with the investigation. In my initial letters i stated these were my letters, they were signed and dated and included a copy of my ID and a current electric bill. These companies not accepting my letters from the start is a violation of 15 U.S. Code 5 1681i. 

I have since followed up by phone with all XXXX parties. I notified all parties that it had been over XXXX  days since they received the letters that included the challenged reporting. I notified the parties that the reports had not been brought to metro 2 standards, nor had I been provided any proof that the debts reported belong to me and needed to be deleted immediately I spoke with Transunion today XX/XX/XXXX and had the claim escalated as they have been the only company to respond by mail. They stated that eastern account systems provided them a screenshot. As of today XX/XX/XXXX neither Transunion nor XXXX XXXX XXXX has provided me with this screenshot or any certifiable proof that I opened any account with the company that is reporting a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Summary of the Complaint : I am disputing inaccurate and misleading reporting of my Bank XXXX XXXX credit card account ( Account # XXXX ) by Experian and TransUnion, which incorrectly list the account as negative despite being paid, closed, and with XXXX balance. 

Equifax has correctly deleted the account ( status Deleted ), confirming that the negative status reported by Experian and TransUnion is erroneous and harmful. The payment history shows late payments ( XXXX, 60 days ) for XXXX and XXXX that are either inaccurate or unverifiable given that the account was closed due to inactivity and fully paid. 

Key Account Information : Creditor : Bank XXXX XXXX Account Type : Credit Card ( Revolving ) Date Opened : Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Closed : Equifax : XX/XX/XXXX Experian : Not listed clearly TransUnion : XX/XX/XXXX High Balance : Equifax : {$2000.00} XXXX : {$2100.00} Status : Equifax : XXXX Experian : Negative TransUnion : Negative Late Payments : Experian and TransUnion show XXXX and XXXX late entries in XXXX, even though the account was closed and has XXXX balance. 

Violations and Legal Grounds : FCRA 15 U.S. Code 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

Listing an account as negative when it is closed and fully paid is a direct violation.

FCRA 15 U.S. Code 1681i ( a ) : Upon dispute, CRAs must conduct a reasonable reinvestigation and remove unverifiable or inaccurate data within 30 days. 

Experian and TransUnion have failed to correct the account status even though Equifax has removed it. 

FCRA 15 U.S. Code 1681s-2 ( b ) : Furnishers like XXXX XXXX XXXX  must investigate and correct inaccurate information upon notice. Failure to do so after a consumer dispute constitutes a violation. 

Consumer harm : The negative and inaccurate late payment history on Experian and TransUnion unjustly damages my credit score, impacting my ability to obtain fair credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

1681c-2 ) that you, the Experian Credit Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-07-28 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: MD

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
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax 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
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax 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 non-monetary relief
Consumer complaint received 2025-07-28 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: DC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX : XXXX Date of Charge-Off : XX/XX/year> XXXX XXXX  The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I had applied for housing in Washington state when I was notified that I was being denied over a collections account from the property management company on joint base XXXX XXXX which I was not notified about until XX/XX/XXXX when I left the military XX/XX/XXXX I hadnt received phone calls or emails pertaining to this dept and when I called to get information about this dept I had started a the dispute process and they have repeatedly denied providing any type of documentation that there is a dispute or what the balance was before the dispute or anything at all

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 2025-07-28 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: IN

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Fuel Capital Group
State: SC

Complaint narrative:
The original Automobile debt Was with Strike Acceptance , Inc. I do not Recognize this company and/or Balance attached to my credit profile. The original account was sold so the balance was paid in full by Resale of Vehicle after Repossession with out my consent or No Formal Contract between I XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. This illegal and Fraud. I Didnt not Contract with XXXX XXXX XXXX XXXX XXXX After resale of vehicle And I do not Recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX  Subject : Dispute of Fraudulent Account Violation of Consumer Rights Under FCRA To Whom It May Concern, I am writing to dispute inaccurate information reported by XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX credit reports. The account in question is not mine. I was part of a data breach and someone stole my identity and opened up this card. I have tried many times to reslove this but it keeps showing up on my credit report, reporting as a charge off. This is a false representation of my credit history and needs to be addressed immediately. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( XXXX ) ), I have the legal right to have inaccurate or fraudulent information blocked from my credit report. I am formally requesting that this account be removed and blocked from further reporting. Additionally, per Consumer Code 605B, you are obligated to investigate and correct any identity theft-related or inaccurately reported information. Failure to comply violates my consumer rights. 

Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX  Subject : Dispute of Fraudulent Account Violation of Consumer Rights Under FCRA To Whom It May Concern, I am writing to dispute inaccurate information reported by XXXX XXXX XXXX on my XXXX, Equifax and XXXX  credit reports. The account in question is not mine. I was part of a data breach and someone stole my identity and opened up this card. I have tried many times to reslove this but it keeps showing up on my credit report, reporting as a charge off. This is a false representation of my credit history and needs to be addressed immediately. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( 2 ) ), I have the legal right to have inaccurate or fraudulent information blocked from my credit report. I am formally requesting that this account be removed and blocked from further reporting. Additionally, per Consumer Code 605B, you are obligated to investigate and correct any identity theft-related or inaccurately reported information. Failure to comply violates my consumer rights. 

Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Fraudulent Account Violation of Consumer Rights Under FCRA To Whom It May Concern, I am writing to dispute inaccurate information reported by XXXX XXXX XXXX on my XXXX XXXX and Experian credit reports. The account in question is not mine. I was part of a data breach and someone stole my identity and opened up this card. I have tried many times to reslove this but it keeps showing up on my credit report, reporting as a charge off. This is a false representation of my credit history and needs to be addressed immediately. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( 2 ) ), I have the legal right to have inaccurate or fraudulent information blocked from my credit report. I am formally requesting that this account be removed and blocked from further reporting. Additionally, per Consumer Code 605B, you are obligated to investigate and correct any identity theft-related or inaccurately reported information. Failure to comply violates my consumer rights. 

Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: WA

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  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$180.00}

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