vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-08-26 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because my TransUnion credit report is showing several hard inquiries that I never authorized or consented to. Despite already disputing these inquiries directly with TransUnion, they have failed to remove them or provide me with any proof of authorization. These inquiries include XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, XXXX XXXX  XXXX on XX/XX/year>, and XXXX XXXX  on XX/XX/year>. I have never applied for credit, loans, or services with any of these companies, and at no point did I sign or submit any written or electronic authorization for these businesses to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to ensure that all information they report is accurate and verifiable. Section 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they include in a consumers file. Section 1681b ( a ) ( 2 ) makes it clear that a hard inquiry can only be placed on a consumers report with their explicit permission or for another permissible purpose allowed by law. Since I never initiated any transactions or applications with these companies, these inquiries have no permissible purpose.

I previously disputed these inquiries under Section 1681i, which gives me the right to request a reinvestigation of any information I believe to be inaccurate. The law requires TransUnion to verify the accuracy of this information or delete it within 30 days. Instead of removing these unverifiable inquiries or providing evidence of my authorization, TransUnion continues to report them. This not only violates Section 1681i but is also causing me harm by lowering my credit score and misrepresenting my credit activity. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require TransUnion to comply with the law by immediately removing all unauthorized inquiries that can not be verified with actual proof of my consent. I also request that TransUnion provide documentation of any alleged authorization they claim to have on file. If they can not provide this proof, they must delete these entries as required by law.

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 2025-08-26 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 submitted a dispute to Experian concerning an account that is reporting false and unverified details on my credit report. I made it clear that if the account could not be verified, it must be removed. Yet Experian continues to report it, which shows the dispute process was not handled in compliance with the law.

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 2025-08-26 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts on my XXXX Experian credit report that I do not recognize. These accounts include : an installment account at XXXX ( opened XXXX, account number XXXX ), an installment account at XXXX ( opened XXXX, account number XXXX ), a collection account at XXXX ( opened XXXX, account number XXXX ), an installment account at XXXX XXXX ( opened XXXX, account number XXXX ), and a revolving account at XXXX XXXX XXXX ( opened XXXX, account number XXXX ). These accounts have led to fraudulent hard inquiries and collections on my credit report. I demand the removal of these fraudulent items from my credit reports and that all related collection activity cease, in accordance with my rights under the FCRA and FDCPA laws. 



All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-08-26 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: PA

Complaint narrative:
A letter was sent on XX/XX/year> requesting validation of the account- not requesting statements, Proof of Ownership / Holder in Due Course, chain of title, securitization disclosure, was the account sold or transferred into a Trust. XXXX 's reply on XX/XX/year> with the late payment information and not validating the debt. 
Their failure to provide proof while continuing negative reporting is willful non-compliance with federal law and has caused ongoing harm to my credit and financial standing. 
Non-Response Checklist XXXX. Proof of Ownership / Holder in Due Course Description : Notarized affidavit confirming XXXX is current lawful owner, has not sold/transferred/securitized the account Provided by XXXX 's? : No Notes : Failure violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692e 2. Chain of Title Description : Complete documentation tracing ownership from origination to present - servicing and pooling agreement sign by me. 
Provided by XXXX 's? : No Notes : Prevents consumer from verifying legal standing XXXX. Securitization Disclosure Description : Confirmation/denial with proof whether account was securitized or monetized Provided by XXXX 's XXXX : No Notes : Violates TILA 1631 and UCC 9-210 4. Original Executed Contract Description : Wet-ink signed agreement showing valid debt obligation Provided by XXXX 's XXXX : No Notes : Essential to establish enforceability XXXX. Full Accounting Ledger Description : No record showing how the alleged delinquency was calculated, including offsets or profits from securitization. 
Provided by XXXX 's? : No Notes : Without this, accuracy of delinquency can not be confirmed XXXX. XXXX XXXX Compliance Proof Description : Evidence that reporting as active delinquent complies with XXXX XXXX if account ownership has transferred Provided by XXXX 's? : No Notes : If account sold/securitized, must be reported 'sold/closed ' with {$0.00} balance XXXX. Pause in Negative Reporting Description : Proof that negative reporting was suspended during dispute Provided by XXXX 's? : No Notes : Required under 15 U.S.C. 1681i ( a ) ( 5 ) ; continued reporting is unlawful

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 2025-08-26 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: PA

Complaint narrative:
A letter was sent on XX/XX/year> requesting validation of the account- not requesting statements, Proof of Ownership / Holder in Due Course, chain of title, securitization disclosure, was the account sold or transferred into a Trust. XXXX 's reply on XX/XX/year> with the late payment information and not validating the debt. 
Their failure to provide proof while continuing negative reporting is willful non-compliance with federal law and has caused ongoing harm to my credit and financial standing. 
Non-Response Checklist XXXX. Proof of Ownership / Holder in Due Course Description : Notarized affidavit confirming XXXX is current lawful owner, has not sold/transferred/securitized the account Provided by XXXX 's? : No Notes : Failure violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692e 2. Chain of Title Description : Complete documentation tracing ownership from origination to present - servicing and pooling agreement sign by me. 
Provided by XXXX 's? : No Notes : Prevents consumer from verifying legal standing XXXX. XXXX XXXX Description : Confirmation/denial with proof whether account was securitized or monetized Provided by XXXX 's XXXX : XXXX XXXX : Violates TILA XXXX and XXXX XXXX XXXX. Original Executed Contract Description : XXXX signed agreement showing valid debt obligation Provided by XXXX 's XXXX : No Notes : Essential to establish enforceability XXXX. Full Accounting Ledger Description : No record showing how the alleged delinquency was calculated, including offsets or profits from securitization. 
Provided by XXXX 's? : No Notes : Without this, accuracy of delinquency can not be confirmed XXXX. XXXX XXXX Compliance Proof Description : Evidence that reporting as active delinquent complies with XXXX XXXX if account ownership has transferred Provided by XXXX 's? : No Notes : If account sold/securitized, must be reported 'sold/closed ' with {$0.00} balance XXXX. Pause in Negative Reporting Description : Proof that negative reporting was suspended during dispute Provided by XXXX 's? : No Notes : Required under 15 U.S.C. 1681i ( a ) ( 5 ) ; continued reporting is unlawful

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 2025-08-26 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: PA

Complaint narrative:
A letter was sent on XX/XX/year> requesting validation of the account- not requesting statements, Proof of Ownership / Holder in Due Course, chain of title, securitization disclosure, was the account sold or transferred into a Trust. XXXX 's reply on XX/XX/year> with the late payment information and not validating the debt. 
Their failure to provide proof while continuing negative reporting is willful non-compliance with federal law and has caused ongoing harm to my credit and financial standing. 
Non-Response Checklist XXXX. Proof of Ownership / Holder in Due Course Description : Notarized affidavit confirming XXXX is current lawful owner, has not sold/transferred/securitized the account Provided by XXXX 's? : No Notes : Failure violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692e 2. Chain of Title Description : Complete documentation tracing ownership from origination to present - servicing and pooling agreement sign by me. 
Provided by XXXX 's? : No Notes : Prevents consumer from verifying legal standing XXXX. Securitization Disclosure Description : Confirmation/denial with proof whether account was securitized or monetized Provided by XXXX 's XXXX : No Notes : Violates TILA 1631 and UCC 9-210 4. Original Executed Contract Description : Wet-ink signed agreement showing valid debt obligation Provided by XXXX 's XXXX : No Notes : Essential to establish enforceability XXXX. Full Accounting Ledger Description : No record showing how the alleged delinquency was calculated, including offsets or profits from securitization. 
Provided by XXXX 's? : XXXX XXXX : Without this, accuracy of delinquency can not be confirmed XXXX. XXXX XXXX Compliance Proof Description : Evidence that reporting as active delinquent complies with XXXX XXXX if account ownership has transferred Provided by XXXX 's? : No Notes : If account sold/securitized, must be reported 'sold/closed ' with {$0.00} balance XXXX. Pause in Negative Reporting Description : Proof that negative reporting was suspended during dispute Provided by XXXX 's? : No Notes : Required under 15 U.S.C. 1681i ( a ) ( 5 ) ; continued reporting is unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX The debt is a {$100.00}, I tried to attempt to settle the debt for the amount of {$100.00} but they kept adding and asking for more money which they put on my report. During which, they denied to accept the payment of a {$100.00} and ask for more. I am asking for this to be removed off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-26 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: AR

Complaint narrative:
b'I am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. I believe that several accounts and inquiries have been either incorrectly attributed to my credit file or are outdated. I am requesting a thorough investigation of these items and their prompt removal from my credit report.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nLegal Grounds for Dispute: \nUnder the Fair Credit Reporting Act (FCRA), specifically 1681i, I have the right to dispute any information on \nmy credit report that is inaccurate or unauthorized. The presence of these items without my consent constitutes \na violation of my rights under the FCRA. \nI am protected under the following provisions of the Fair Credit Reporting Act: \nFCRA 611 (15 U.S.C. 1681i): Obligation to reinvestigate disputed information. \nFCRA 1681e(b): Duty to ensure maximum possible accuracy. \nFCRA 1681i(a)(5): Removal of unverifiable information.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, Experian is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX. I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects three months of repossession listings, which is misleading and incorrect. According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I rented a vehicle from XXXX XXXX. I returned the vehicle. Everything was OK to my knowledge. A week or XXXX after that I received {$120.00} bill regarding the parking I presented the receipt that I paid for the parking and the company who build XXXX XXXX return the money however XXXX XXXX never gave me my money back so now they have my money and they have the money that was retired from the company. I have been reaching out to the company however, they have not been reimbursing me alerted my bank and let them know that I would like them to dispute this. They brushed it off as nothing. I dont even think they understand this severity of what was going on.

Company response to consumer: Closed with explanation