vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-04-06 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: NJ

Complaint narrative:
I have continually contacted TransUnion regarding this fraudulent account and inquires n my report. They have sent correspondence stating the account has been verified. Which is a blatant lie. The inquiries have not been addressed 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 2025-04-06 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate repossession entry being reported on my credit report by [ Insert Credit Bureau : XXXX XXXX XXXX XXXX Equifax ]. 

The account in question is from [ Creditor/Lender Name ], account number [ Insert Account Number ], and reflects an involuntary vehicle repossession. However, the reporting of this account violates multiple consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) : 1. The balance reported is inaccurate and does not reflect the sale of the vehicle, any credits, or adjustments. This is a violation of FCRA 607 ( b ), which requires maximum possible accuracy in consumer reporting.

2. I did not receive proper legal notice of default, the right to cure, or any post-sale notice of disposition. These are required under UCC 9-611 and 9-614, and the lack of notice renders the repossession process legally defective.

3. I submitted formal disputes to the credit bureau ( s ), requesting verification of the account, including : A signed contract or proof of obligation Complete accounting of the balance Documentation proving proper notice was given Despite my request, the bureau continues to report this account without providing evidence of accuracy or proper process. This is a violation of FCRA 611, which requires deletion of unverifiable or inaccurate information within 30 days.

I am requesting the CFPB to investigate this matter and assist in having this repossession account removed entirely from my credit report due to legal and procedural violations. I am also requesting the credit bureau ( s ) be held accountable for failure to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX  XX/XX/year>2024 -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2024

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I attempted to access my TransUnion credit report and file a dispute regarding inaccurate reporting by XXXX XXXX XXXX XXXX ( XXXX ). Despite entering accurate personal informationincluding the last four digits of my SSN, phone number, and date of birthTransUnions system repeatedly returned an error message stating it could not locate my account. This occurred multiple times between XX/XX/XXXX and XX/XX/year>. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681g ( a ) Requires consumer reporting agencies to provide a consumer, upon request, all information in their file at the time of the request.

15 U.S. Code 1681i ( a ) Grants consumers the right to dispute inaccurate information and requires agencies to conduct a reasonable reinvestigation.

15 U.S. Code 1681j ( a ) Guarantees free access to ones credit report annually, and also when an adverse action or inaccuracy is suspected.

TransUnions failure to grant me accessdespite correct and verified credentialsconstitutes unlawful obstruction of my federally protected rights. Furthermore, this is interfering with my ability to dispute inaccurate reporting by XXXX, which I believe is intentionally only reporting to select bureaus to evade consumer disputes. 

I request immediate restoration of access to my file, compliance with the FCRA, and an internal investigation into why my account access is being restricted despite fulfilling all authentication requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I attempted to access my XXXX credit report and file a dispute regarding inaccurate reporting by Systems & Services Technologies ( SST ). Despite entering accurate personal informationincluding the last four digits of my SSN, phone number, and date of birthXXXX  system repeatedly returned an error message stating it could not locate my account. This occurred multiple times between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681g ( a ) Requires consumer reporting agencies to provide a consumer, upon request, all information in their file at the time of the request.

15 U.S. Code 1681i ( a ) Grants consumers the right to dispute inaccurate information and requires agencies to conduct a reasonable reinvestigation.

15 U.S. Code 1681j ( a ) Guarantees free access to ones credit report annually, and also when an adverse action or inaccuracy is suspected. 

XXXX failure to grant me accessdespite correct and verified credentialsconstitutes unlawful obstruction of my federally protected rights. Furthermore, this is interfering with my ability to dispute inaccurate reporting by SST, which I believe is intentionally only reporting to select bureaus to evade consumer disputes. 

I request immediate restoration of access to my file, compliance with the FCRA, and an internal investigation into why my account access is being restricted despite fulfilling all authentication requirements.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. These items include unauthorized accounts and hard inquiries that I did not initiate or approve. Based on both federal and Pennsylvania state law, I am exercising my right to dispute and request the immediate removal of this fraudulent information. 

Under the Pennsylvania Identity Theft Protection Act ( Act 102 of XXXX  ), I have the legal right to dispute and remove fraudulent information from my credit reports. This law requires credit reporting agencies to conduct timely investigations and correct any inaccuracies. 

Federally, the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable investigation when a dispute is filed and to correct or delete any information that is inaccurate, incomplete, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. According to 15 U.S. Code 1681i ( 5 ), if any disputed item is found to be inaccurate or unverifiable during reinvestigation, the bureau must promptly delete or correct the item and notify the furnisher of that change.

I have already filed a formal FTC Identity Theft Report and submitted disputes to the credit bureaus directly. Despite my efforts, the inaccurate and fraudulent items remain. These errors are damaging my credit and do not reflect my actual financial history or behavior. 

I am requesting that the CFPB assist in ensuring these accounts and inquiries are thoroughly investigated and permanently removed from my credit reports. The following is a list of the disputed items I am requesting be deleted immediately : 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. These items include unauthorized accounts and hard inquiries that I did not initiate or approve. Based on both federal and Pennsylvania state law, I am exercising my right to dispute and request the immediate removal of this fraudulent information. 

Under the Pennsylvania Identity Theft Protection Act ( Act 102 of XXXX  ), I have the legal right to dispute and remove fraudulent information from my credit reports. This law requires credit reporting agencies to conduct timely investigations and correct any inaccuracies. 

Federally, the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable investigation when a dispute is filed and to correct or delete any information that is inaccurate, incomplete, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. According to 15 U.S. Code 1681i ( 5 ), if any disputed item is found to be inaccurate or unverifiable during reinvestigation, the bureau must promptly delete or correct the item and notify the furnisher of that change.

I have already filed a formal FTC Identity Theft Report and submitted disputes to the credit bureaus directly. Despite my efforts, the inaccurate and fraudulent items remain. These errors are damaging my credit and do not reflect my actual financial history or behavior. 

I am requesting that the CFPB assist in ensuring these accounts and inquiries are thoroughly investigated and permanently removed from my credit reports. The following is a list of the disputed items I am requesting be deleted immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate repossession entry being reported on my credit report by Experian. 

The account in question is from XXXX XXXX XXXX, and reflects an involuntary vehicle repossession. However, the reporting of this account violates multiple consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) : 1. The balance reported is inaccurate and does not reflect the sale of the vehicle, any credits, or adjustments. This is a violation of FCRA 607 ( b ), which requires maximum possible accuracy in consumer reporting.

2. I did not receive proper legal notice of default, the right to cure, or any post-sale notice of disposition. These are required under UCC 9-611 and 9-614, and the lack of notice renders the repossession process legally defective. 
3. I submitted formal disputes to the credit bureau ( s ), requesting verification of the account, including : A signed contract or proof of obligation Complete accounting of the balance Documentation proving proper notice was given Despite my request, the bureau continues to report this account without providing evidence of accuracy or proper process. This is a violation of FCRA 611, which requires deletion of unverifiable or inaccurate information within 30 days. 

I am requesting the CFPB to investigate this matter and assist in having this repossession account removed entirely from my credit report due to legal and procedural violations. I am also requesting the credit bureau ( s ) be held accountable for failure to comply with federal consumer protection laws.

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 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX  LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, SC XXXX RE XXXX XXXX XXXX Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Attached I have a self attestant signed by a state governmental entity, which is listed as one of the acceptable tXXXX XXXX XXXXs.

According to the FCRA, consumer reporting agencies can only deny or rescind a block in limited circumstances : 1. The identity of the survivor can not be reasonably confirmed ; 2. The survivor did not provide documentation from an accepted source determining that they are a XXXX XXXX XXXX ; and/or 3. The consumer reporting agency can not identify the adverse credit information to be blocked. 
Sincerely, 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 2025-04-06 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-06 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
An add for a XXXX XXXX was posted on an acquaintance 's facebook page. I reached out via FB messenger. She said car was still available and she would need {$500.00} XXXX XXXX  XXXX  to hold it for a day. I sent the by XXXX, via my United Community Bank app. I sent the money to an acct linked to name XXXX XXXX. Phone number linked to XXXX was XXXX. She said that she wasn't openly talking to anyone else about the car and asked if I was coming to inspect it tomorrow ( which was today XX/XX/XXXX ). I told her I planned to purchase it and asked for address. I didn't hear anything back so I sent a message this morning asking when I could pick up the car and the address. She responded and said she sold it to someone else last night her sent her {$1000.00} late in the evening. I explained that I was very disappointed and that was I had sent her XXXX money first and the purpose of XXXX money is to hold the item for the person. She responded and said she would make it right if I could send {$500.00} more via XXXX and then I could pick up the car after XXXX PM at XXXX XXXX XXXX, XXXX, XXXX. I went to the address to get the car and it wasn't her address. Soon after I saw a post by her daughter saying that her moms XXXX had been hacked and not to respond d about the car, that it was a scam. So now I'm out {$1000.00}. When I called an employee at UCB they stated that they didn't think they could do anything because I sent the money willingly. However the webpage states that they can assist in getting money replaced if it was from a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I ' have submitted all the proof I have to Equifax to prove the social security number they have in file is inaccurate. They have not corrected the it problem. Im trying to refinance my car but is unable too because of the situation. I don't know how this happened. Equifax is at fault being that XXXX and XXXX has my correct number.

Company response to consumer: Closed with non-monetary relief