vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : This letter is a formal request made pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for TransUnion to conduct a complete investigation of all information contained in my credit file that can not be verified as accurate and timely. 

I am exercising my rights under the FCRA to dispute certain items in my credit file. At this time, I am not specifying which items I believe to be inaccurate ; however, I am requesting that TransUnion conduct a full reinvestigation of all data associated with my file, and delete or correct any information that is found to be unverifiable, inaccurate, incomplete, outdated, or otherwise fails to comply with federal consumer reporting requirements. 

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your reinvestigation within 30 days from the date of receipt of this dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if the disputed information can not be verified, it must be promptly deleted from my credit file. 

Please mail me the results of your reinvestigation and a free updated copy of my credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

I trust TransUnion will take this request seriously and act in accordance with the law. If you fail to comply with your legal obligations, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

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 2025-07-20 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list below have violated my legally protected consumer light and privacy and concordancy under 15 U.S.C. 1681 The agreements described below validate my claims : 15 U.S.C 1681 Section 602 Establishes I have the right to privacy.

15 U.S.C. 1681 Section 004 A Section 2 It about states consumer report agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may make a consumer report containing any following items of information : Any other information, than other records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX : XX/XX/year>2024 XXXX XXXXXXXX XXXX XXXX  : XXXX/XXXX/2024 XXXX XXXX XXXX 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 2025-07-20 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I didnt not authorize anything with these companys nor was in 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 2025-07-20 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: EQUIFAX, INC.
State: CO

Complaint narrative:
This is my third attempt requesting removal of this account I have XXXX knowledge of this account have made numerous of disputes requesting proof of signature and proof of residency of the account listed neither has been provided multiple names and addresses phone numbers were removed that I also had XXXX knowledge of who it was or why it was there without proper verification identify theft has been reported also Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
my vehicle was transmission went out and i tried to getting it fixed. And the something went bad on it again. i didnt have the funds to do both so i told them to come get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for the U.S. Bank  XXXX XXXX XXXX XXXX XXXX in XX/XX/year>, based on a {$750.00} promotional offer for spending {$6000.00} within XXXX XXXX. I completed the required spend by the end of my XX/XX/year> billing cycle, yet the {$750.00} reward still has not been issued. 

U.S. Bank also forced me to create XXXX separate online accounts : - XXXX for managing the actual business credit card - Another for handling central billing This fragmented system made it confusing and difficult to know when my bill was due, as the credit card balance was transferred to a central billing account with a completely separate login, complicating payment management and affecting communication around rewards tracking. 

I have contacted U.S. Bank multiple times since XX/XX/XXXX and each time I was told that the bonus appears on their end but is not visible on my side. but i should see it at the end of the billing cycle of XXXX. I called again today XX/XX/XXXX as it still did not appear and they said i should see it but they will create a new case since the last time i called it wasnt recorded and I will have to wait another XXXX XXXX, but when i asked for a case number to track this, they refused as i believe is an attempt to not actually recored the issue so that they never have a record that this was requeested I also noticed that some of my standard earned rewards ( from ongoing card use ) were listed in my monthly statements, but the balances were later removed or not credited to my rewards account. I requested an explanation and correction, but none was provided. 

On my most recent call, I asked for a case number and was denied. The representative claimed that the investigation was attached to my credit card with no further tracking information available. This is both unprofessional and unacceptable. 

I am requesting that U.S. Bank immediately apply the {$750.00} bonus, restore the correct ongoing rewards, and provide written confirmation of the investigations status and timeline. I have met all of the promotional requirements and have been given false timelines and evasive responses.

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 monetary relief
Consumer complaint received 2025-07-20 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:
This is my third formal dispute regarding the inaccurate and potentially damaging information being reported on my credit file related to the following : Account name XXXXXXXX XXXX XXXX Account number XXXX : Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX  XXXX Account number XXXX Despite my previous disputes you have failed to provide sufficient verification that the information being reported is accurate and complete. According to the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to ensure the completeness and accuracy of items in consumer credit reports.

I am again formally requesting that you : Conduct a proper and independent reinvestigation into this account.

Provide a description of the method used in your verification with XXXX XXXX. 
Provide the name and contact information of the person who verified the account. 
If you can not verify the accuracy within 30 days, delete the account immediately as required under FCRA 611 ( a ) ( 5 ) ( A ).

I have attached the following documents once again for your review : Copy of my ID and proof of address This account continues to reflect inaccurate information and is damaging my creditworthiness. Should you fail to address this matter appropriately and in accordance with federal law, Please respond within 30 days of receiving this letter. I expect full compliance with my rights under the FCRA.

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 2025-07-20 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Collections XXXX XXXX XXXX {$230.00XXXX XXXX XXXX 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 These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts. 2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. 
- A detailed explanation of the methods used to verify the accuracy of each account. 
- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Omni AR, LLC
State: ID

Complaint narrative:
I received a debt collection letter from Omni AR regarding an alleged debt with XXXX XXXX XXXX XXXX. On XX/XX/year>, I submitted a written debt validation request via certified mail ( tracking # XXXX ), in response to their XX/XX/year> collection letter. As of this date, they have not provided any documentation validating the debt. 

Despite failing to validate the debt, Omni AR reported the account to multiple credit bureaus and failed to mark it as disputed, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were also required to cease collection activitiesincluding credit reportinguntil they validated the debt, which they did not do. 

On XX/XX/year>, I sent a second certified letter ( tracking # XXXX ) reminding them of these legal obligations and demanding correction or removal. As of this complaint, they have not responded and continue to report the debt without the legally required disputed status. 

I am requesting that Omni AR be required to : XXXX. Validate the debt if they have the legal authority. 
XXXX. Correct their credit reporting to reflect the disputed status. 
XXXX. Remove the debt entirely if they can not provide proper documentation. 

I have included supporting documentation and tracking records of all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Accounts : XXXX, Account number XXXX, Amount XXXX, Date Opened XX/XX/XXXX INQUIRES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  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 2025-07-20 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: FL

Complaint narrative:
This account was charged off on the following date, XX/XX/XXXX. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history a charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 

Equifax failed to investigate this account properly, and this neglect has violated my rights. 

I am demanding a deletion of the following account : Bank XXXX XXXX Account number ending in XXXX Account reported current as of XXXX XXXXa 60 days late XXXX XXXX  90 days late XX/XX/XXXX Charged off XX/XX/XXXX This account continues to report as a charge-off every month since, with the most recent report in XX/XX/XXXX. This ongoing reporting is both inaccurate and misleading and continues to be damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 -- {$210.00}

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 2025-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: TX

Complaint narrative:
These accounts were opened fraudulent, thesis are not accounts. I have attended school. 

EDFINANCIAL SERVICES LLC Under dispute Date opened XX/XX/XXXX Balance {$3700.00} Status Open. {$160.00} past due as of XX/XX/XXXX. 
EDFINANCIAL SERVICES LLC Under dispute Date opened XX/XX/XXXX Balance {$6400.00} Status Open. {$270.00} past due as of XX/XX/XXXX. 
EDFINANCIAL SERVICES LLC Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Open. {$23.00} past due as of XX/XX/XXXX. 
EDFINANCIAL SERVICES LLC Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
An account associated with XXXX XXXX began reporting on my credit file without appropriate validation or resolution. I contacted the company in writing on multiple occasions starting in XX/XX/year> to dispute the reporting and requested all supporting documentation and removal of the tradeline. Despite this, the company redirected me to a third-party provider and stated they were unable to assist, without supplying the requested information or ceasing reporting activity. 

The company has not provided any documentation to substantiate the accuracy or legal basis for the account being included in my file. A previous CFPB complaint was submitted, but no meaningful resolution was offered. This matter remains unresolved and continues to negatively affect my credit, despite my formal dispute. 

This reporting is inaccurate and remains unverified, which constitutes a violation of 15 U.S.C. 1681i and 1681s-2. I am requesting this unvalidated information be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
An account associated with XXXX XXXX began reporting on my credit file without appropriate validation or resolution. I contacted the company in writing on multiple occasions starting in XX/XX/year> to dispute the reporting and requested all supporting documentation and removal of the tradeline. Despite this, the company redirected me to a third-party provider and stated they were unable to assist, without supplying the requested information or ceasing reporting activity. 

The company has not provided any documentation to substantiate the accuracy or legal basis for the account being included in my file. A previous CFPB complaint was submitted, but no meaningful resolution was offered. This matter remains unresolved and continues to negatively affect my credit, despite my formal dispute. 

This reporting is inaccurate and remains unverified, which constitutes a violation of 15 U.S.C. 1681i and 1681s-2. I am requesting this unvalidated information be removed from my credit file.

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 2025-07-20 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: CT

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CT

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done 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