vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : Dispute and XXXX  Request Accounts Ending in XXXX and XXXX To Whom It May Concern, I am writing to dispute and request the removal of late payments reported on my XXXX  XXXX credit card accounts ending in XXXX and XXXX. These negative marks have had a serious impact on my credit standing and I would like to resolve this matter both through formal dispute channels and by requesting your XXXX. 

Under 15 U.S. Code 1666b, creditors are required to provide a minimum of 21 days between the date a billing statement is mailed or delivered and the payment due date. I am formally requesting that XXXX XXXX verify and provide documentation confirming that the billing statements for the months in question were delivered within this timeframe. If not, these late payments were reported in violation of federal law and must be removed. 

Additionally, I respectfully request a XXXX  adjustment based on my financial hardship. During the period in question, I experienced unexpected financial strain due to personal and employment-related challenges, which temporarily impacted my ability to make on-time payments. Despite these circumstances, I have since brought both accounts current and remain committed to maintaining a strong financial record. 

I have had a positive relationship with XXXX XXXX and hope to maintain that trust. I believe removing the reported late payments would be a fair and compassionate resolution that reflects both your commitment to customer support and my proactive efforts to recover financially. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I also request : A full investigation into the accuracy of the reported late payments ; Suspension of any further reporting during the dispute period ; Written confirmation of the results within 30 days ; Immediate removal of any unverifiable or inaccurately reported information. 
Thank you for your time and consideration. I look forward to a favorable resolution and am happy to provide supporting documentation if needed. 

Sincerely, 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Dispute and XXXX  Request Accounts Ending in XXXX and XXXX To Whom It May Concern, I am writing to dispute and request the removal of late payments reported on my XXXX  XXXX credit card accounts ending in XXXX and XXXX. These negative marks have had a serious impact on my credit standing and I would like to resolve this matter both through formal dispute channels and by requesting your XXXX. 

Under 15 U.S. Code 1666b, creditors are required to provide a minimum of 21 days between the date a billing statement is mailed or delivered and the payment due date. I am formally requesting that XXXX XXXX verify and provide documentation confirming that the billing statements for the months in question were delivered within this timeframe. If not, these late payments were reported in violation of federal law and must be removed. 

Additionally, I respectfully request a XXXX  adjustment based on my financial hardship. During the period in question, I experienced unexpected financial strain due to personal and employment-related challenges, which temporarily impacted my ability to make on-time payments. Despite these circumstances, I have since brought both accounts current and remain committed to maintaining a strong financial record. 

I have had a positive relationship with XXXX XXXX and hope to maintain that trust. I believe removing the reported late payments would be a fair and compassionate resolution that reflects both your commitment to customer support and my proactive efforts to recover financially. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I also request : A full investigation into the accuracy of the reported late payments ; Suspension of any further reporting during the dispute period ; Written confirmation of the results within 30 days ; Immediate removal of any unverifiable or inaccurately reported information. 
Thank you for your time and consideration. I look forward to a favorable resolution and am happy to provide supporting documentation if needed. 

Sincerely, 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 2025-07-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX Subject : Formal Complaint Fraudulent Accounts on My Credit Report Dear CFPB Representative, I am writing to formally submit a consumer complaint against the credit reporting agencies for reporting fraudulent accounts on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my previous attempts to resolve this matter directly with the agencies and furnishers, the unauthorized accounts remain, causing me significant harm. Details of Fraudulent Accounts : XXXX XXXX XX/XX/XXXX ( Acct # XXXX ), XXXX XXXX  XX/XX/XXXX ( acct # XXXX ), XXXX Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( acct # XXXX ), XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX ( Acct # XXXX ) Legal Grounds : Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or fraudulent information, and credit reporting agencies are required to conduct a reasonable investigation and remove or correct any unverifiable information within 30 days. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers of information are legally obligated to investigate disputes forwarded to them by a CRA and XXXX report the results to the CRA. Moreover, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that a credit bureau violates the FCRA if it fails to conduct a reasonable reinvestigation, especially in cases where the consumer has provided evidence of fraud or identity theft. The court emphasized that the burden is on the agency to verify the accuracy of information not simply to rely on the furnishers word. Further, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reiterated that maintaining inaccurate information on a credit report after a reasonable dispute constitutes willful noncompliance under 15 U.S.C. 1681n, which is subject to statutory and punitive damages. Requested Action : I respectfully request that the CFPB investigate this matter and compel the credit reporting agencies to : 1. Immediately remove all fraudulent accounts from my credit report ; 2. Provide written confirmation of the deletions ; 3. Sanction any data furnishers or CRAs that have failed to comply with FCRA requirements. I am enclosing copies of supporting documents, including identification, a copy of my credit report with the disputed items highlighted, and previous dispute letters sent to Experian, TransUnion, and Equifax. I appreciate your prompt attention to this matter and look forward to your resolution. 
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 2025-07-15 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 — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
Checkr Inc. has now twice failed to verify my identity using a correct, legal Social Security Number. Despite correcting and resubmitting my documentation, they continue to block employment and fail to provide an actionable resolution. This constitutes denial of work based on consumer reporting data without sufficient notice or a valid dispute resolution process, violating the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
As someone who has consistently paid on time, I find this late payment marking to be both incorrect and misleading. Please remove it and update my records accordingly.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint against Equifax for repeatedly failing to verify or correct inaccurate bankruptcy information reported under my name, XXXX XXXX XXXX ( also known as XXXX XXXX ). 

I have disputed the reporting of Bankruptcy XXXX # XXXX multiple times since XXXX. Despite my formal disputes and requests for Method of Verification ( MOV ) as allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus have failed to provide any verification or valid response. 

Instead, I received generic letters claiming no errors were found, without explanation or evidence. This repeated failure to investigate, verify, or correct inaccurate reporting is a willful violation of the FCRA and has caused me ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-07-15 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-07-15 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: TX

Complaint narrative:
I have reviewed my credit file and noticed a collection account that I have no knowledge of. I take pride in maintaining accurate and responsible credit practices, and this entry does not reflect my financial history.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Got a letter in mail saying I transferred money to a chase visa called them I wouldnt give my social security number because I thought it was a fake place later learned it wasnt then they keep getting statements from Truist bank saying I owe that keeps going up and I dont want this to hurt my credit biggest question is i never received the card that they said was mailed and I didnt open this account but i getting bill whoever opened it did have all my information but phone number apparently still working on this issue I dont have dates when i call but Ive gotten XXXX XXXX and aclaim XXXX they keep saying they will get back with me in XXXX hrs apparently they are XXXX behind

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