vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I filed a dispute on Experian with XXXX XXXX XXXX XXXX  for Account XXXX due to inaccurate information and discrepancies. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house, car, etc. Experian violates

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 2025-06-13 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-06-13 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Trinity Enterprises Partners, LLC
State: FL

Complaint narrative:
I hired this credit repair company Trinity XXXX XXXX last year, I paid them {$600.00} to get started then was to pay them an additional {$1200.00} over 3 months, well they made ne join a credit score company at {$29.00} per month and made all these promises to repair my credit, " Praise The Lord '' XXXX the boss said we will take care of you darling Bless you!! Well the following month I haven't heard back from them, so I canceled the service and then the phone calls started, " Oh were doing a great job for you, don't you worry about a thing, so I set up my next payment for {$400.00} and they drew it out 2 days earlier which caused several charge backs and we had a pretty ugly conversation about it, so I checked my credit score and they dropped badly so I sent emails what was going on, phone calls and never heard back until they couldn't collect the {$400.00} payment!! Then it was the same old call me then praising the lord nonsense, so I just parted ways, I was getting letters from credit bureaus asking me about my Identity being stolen, so that was the tactic they were using, which was fraud, the only bureau that didn't fall for it was XXXX, and my scores kept dropping. Then they still kept trying to draw money out of my account, they are scam artists, and now their threating to sue me for {$1200.00} which I believe they owe me a refund of {$600.00} they need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Experian, & Equifax regarding Account # XXXX ( XXXXXXXX XXXX XXXX ). 

The credit bureaus are reporting illegal re-aging and inaccurate balance reporting on this charge-off account.

The correct Date of Last Payment is XX/XX/XXXX, yet they are reporting improper and inconsistent Dates of Last Activity ( TransUnion and Equifax : XX/XX/XXXX, Experian : XX/XX/XXXX ). 

In addition, I have received written confirmation that this debt was SOLD to a third-party debt buyer, XXXX. As such, per FCRA, Metro2 reporting standards, and industry best practices : The original creditor ( XXXX ) is required to report the balance as {$0.00} They must no longer show an active " past due '' balance once the debt has been sold.

Continuing to report a full balance alongside the collection account constitutes double reporting, materially misleading to future creditors and a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Requested resolution : Immediate correction of the Date of Last Activity to match the Date of Last Payment ( XX/XX/XXXX ). 

Immediate update of the XXXX tradeline to reflect a {$0.00} balance, removing all " past due '' balance reporting, per Metro2 and FCRA standards.

Full written confirmation of compliance and correction.

I have already filed formal disputes with the credit bureaus and am requesting CFPB intervention to ensure compliance and prevent ongoing harm to my credit profile.

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 2025-06-13 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Experian, & Equifax regarding Account # XXXX ( XXXXXXXX XXXX XXXX ). 

The credit bureaus are reporting illegal re-aging and inaccurate balance reporting on this charge-off account.

The correct Date of Last Payment is XX/XX/XXXX, yet they are reporting improper and inconsistent Dates of Last Activity ( TransUnion and Equifax : XX/XX/XXXX, Experian : XX/XX/XXXX ). 

In addition, I have received written confirmation that this debt was SOLD to a third-party debt buyer, XXXX. As such, per FCRA, Metro2 reporting standards, and industry best practices : The original creditor ( XXXX ) is required to report the balance as {$0.00} They must no longer show an active " past due '' balance once the debt has been sold.

Continuing to report a full balance alongside the collection account constitutes double reporting, materially misleading to future creditors and a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Requested resolution : Immediate correction of the Date of Last Activity to match the Date of Last Payment ( XX/XX/XXXX ). 

Immediate update of the XXXX tradeline to reflect a {$0.00} balance, removing all " past due '' balance reporting, per Metro2 and FCRA standards.

Full written confirmation of compliance and correction.

I have already filed formal disputes with the credit bureaus and am requesting CFPB intervention to ensure compliance and prevent ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 am writing to request the removal of fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and these items were not authorized by me.

Under Section 605B of the Fair Credit Reporting Act, I request that you block and remove the unauthorized accounts and inquiries. Attached are the disputed items and a copy of my Identity Theft Report filed with the FTC.

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 2025-06-13 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-13 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am a victim of identity theft and would like these accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I contacted Radius Global Solutions in regards to my XXXX XXXX XXXX bill. We agreed to a settlement. I paid the settlement as agreed. It was for XXXX and I checked my credit report and saw a balance of XXXX still being reported on my credit report. On XX/XX/year> I contacted Radius Global to see if it was a mistake and to ask if they would remove this from my report as agreed. Also, to send a settlement letter to my email. Neither happen, I was offered a credit report and credit repair information from XXXX XXXX ( A partner of Radius Global ). I refused at first only to submit to high pressure tactics from one of its employee 's. They made the orginal reason why I call vague and did not fix my orginal issue. I did some rescearch on the internet about credit repair companies and the tactics this saleman used gave me three red flags. So, I called and cancelled this plan immediately only to recieve another call from this same sales rep again. I explained that I do not have the money right now and I am in no rush to pay for credit repair.

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 2025-06-13 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
deposited a large check into my [ bank name ] account on [ date ] and signed a written agreement stating that only 50 % of the funds would be held, with the remainder accessible. The next day, the bank placed a full hold on the checkwithout notifying me in writing, as required under Regulation CC.

I urgently needed access to a portion of the funds to pay a contractor. I communicated this clearly at the time of deposit and was told the funds would be available. The bank has now acknowledged that a back-office override occurred but refuses to honor the agreement or provide a provisional credit.

I have suffered immediate financial harm due to this error and have received no resolution, documentation, or explanation. I am requesting that the bank be held accountable for failure to disclose material changes, failure to honor a signed agreement, and noncompliance with federal disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/year> reference number XXXX applied for a chase sapphire visa signature account and got mistakenly denied. Im is XXXX XXXX XXXX and have capacity to contract. And Im exercising my right granted to my credit card. Under the consumer credit protection act. And if you dont fix this situation its a misuse of my securities which is securities fraud, and if you dont thats also discrimination of my age because you treating me like a minor if you dont correct this issue. You sent a denial letter talking about equal credit opportunity act too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$8700.00} Unauthorized Hard Inquiry to Be Removed : 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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL, INC.
State: OH

Complaint narrative:
Coast Professional , Inc. mailed us at an old address indicating we had outstanding balances for XXXX XXXX XXXX tax in the {$760.00} for penalties from tax year 2021. We had filed taxes and are completely in compliance with tax balances and confirmed this on IRS.GOV. 

This company is misleading small business to try and extract funds it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, There is a late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I am requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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