vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Request for Deletion of All Late Payment Notations from Credit File Dear Dispute Department, I am writing to formally dispute all late payment entries being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my rights to have outdated, inaccurate, or unverifiable negative information removed. 

Specifically, I am citing : 15 U.S.C. 1681c ( a ) ( 5 ) which limits the reporting of late payments to seven ( 7 ) years from the original delinquency date 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy in all reported information Upon reviewing my credit reports, I have identified multiple accounts reporting late payments that either : - Exceed the 7-year reporting limit- Are inconsistent or unverifiable in their delinquency status - Reflect payment errors on accounts that were otherwise paid or closed -- - # # # I am disputing late payments reported on the following accounts : XXXX. XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) XXXX. XXXX XXXX XXXX ( Accounts ending in XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXXXXXX XXXX XXXX  Account ending in XXXX ) XXXX. XXXX XXXX ( Account ending in XXXX ) XXXX. XXXX ( Accounts ending in XXXX and XXXX ) -- - These derogatory marks are negatively affecting my creditworthiness. I respectfully request that each late payment entry be fully verified for accuracy and legal compliance. If the information can not be verified or is found to be inaccurate, I request that the entry be permanently deleted from my credit reports. 

Enclosures : Copy of government-issued ID Proof of address Credit report entries Please provide written confirmation of your reinvestigation / deletion and a corrected copy of my credit report within 30 days as required under FCRA guidelines XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Formal Dispute of Inaccurate Credit Information Under FCRA Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am formally disputing the accuracy of the following accounts reported on my credit report : 1. XXXXXXXX XXXX  ( Acct # XXXX ) Status : Charged-off with a balance of {$4500.00} Issue : This account was previously marked in dispute but continues to report inaccurately and shows inconsistent delinquency data between bureaus. 
Request : Please conduct a reinvestigation and remove or correct all inaccurate entries. 
2. XXXX XXXX XXXX ( Acct # XXXX ) Status : Collection {$3500.00} balance Issue : This account is duplicated across multiple entries with different reporting dates and statuses. 
Request : Please remove all duplicate or unverifiable entries. 
3. XXXXXXXX XXXX  ( Acct # XXXX ) Status : Collection Issue : Account reports disputed by consumer, yet remains unresolved and lacks complete data across bureaus. 
Request : Remove or fully verify this account. 

Under FCRA 15 U.S. Code 1681i ( a ), you are required to complete your reinvestigation within 30 days. If these items can not be verified, they must be deleted from my credit file.

Please send me a full updated copy of my credit report reflecting your corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
Formal Dispute of Inaccurate Credit Information Under FCRA Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am formally disputing the accuracy of the following accounts reported on my credit report : 1. XXXXXXXX XXXX  ( Acct # XXXX ) Status : Charged-off with a balance of {$4500.00} Issue : This account was previously marked in dispute but continues to report inaccurately and shows inconsistent delinquency data between bureaus. 
Request : Please conduct a reinvestigation and remove or correct all inaccurate entries. 
2. XXXX XXXX XXXX ( Acct # XXXX ) Status : Collection {$3500.00} balance Issue : This account is duplicated across multiple entries with different reporting dates and statuses. 
Request : Please remove all duplicate or unverifiable entries. 
3. XXXXXXXX XXXX  ( Acct # XXXX ) Status : Collection Issue : Account reports disputed by consumer, yet remains unresolved and lacks complete data across bureaus. 
Request : Remove or fully verify this account. 

Under FCRA 15 U.S. Code 1681i ( a ), you are required to complete your reinvestigation within 30 days. If these items can not be verified, they must be deleted from my credit file.

Please send me a full updated copy of my credit report reflecting your corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
A HARD INQUIRY frome truist bank on XXXX  didnt Recognize on XX/XX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Equifax continues to report a collection account from XXXX XXXX ( account number XXXX ) with a balance of {$470.00} that is inaccurate and unverifiable. Despite disputes and requests for validation, Equifax has provided no concrete evidence supporting the validity of this debt. It is alarming that a credit bureau of this scale would report damaging financial data without full verification, especially amid the ongoing threat of data breaches that compromise consumer information daily. The Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), clearly outlines the requirement for accurate and verified data, and Equifaxs handling of this XXXX XXXXXXXX entry fails to meet that legal benchmark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
Dear Cfpb I am writing to formally dispute several inquiries listed on my credit report dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b & 1681i, I am exercising my right to challenge credit inquiries that were either unauthorized, inaccurately reported, or unverifiable. 

Below are the inquiries in question : XXXXXXXX XXXX Date : XX/XX/XXXX Issue : No identifying information provided ( address/phone missing ) Action Requested : Remove as unverifiable or provide proof of authorization. 
XXXX. XXXX XXXX Date : XX/XX/XXXX Issue : Missing complete details of the inquiring party Action Requested : Remove if not fully verifiable or authorized. 
XXXX. XXXX XXXX ( Multiple Entries ) Dates : All listed on XX/XX/XXXX Issue : Appears three times under different variations : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Action Requested : Remove duplicate entries to reflect a single inquiry, or provide full documentation supporting each as a distinct and legitimate request. 
XXXX. XXXX Date : XX/XX/XXXX Issue : Missing full business contact information Action Requested : Remove due to incomplete and unverifiable listing. 

Under the FCRA, you are required to conduct a reasonable reinvestigation of these inquiries and delete any that can not be verified. Please provide a written response within 30 days, as required by law, and send me an updated copy of my credit report showing the results of your investigation. 

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

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 explanation
Consumer complaint received 2025-05-01 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: MO

Complaint narrative:
I have asked them to take these off my report but yet they still remain I have informed them that I have never given anyone permission to put anything on my report plus under 15 usc 1681 they must remove these things I have been a part of every data breach by every credit reporting agency and yet they still do nothing about it well I have filed a report 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 2025-04-30 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: Self Financial Inc.
State: NY

Complaint narrative:
I do not owe this debt, and it does not belong to me. Please remove my contact information from your records related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with the balance of {$14000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a collections account opened at Bounce AI XX/XX/XXXX under the account number ( XXXX ) with the balance of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
b'I am writing to formally dispute several items listed on my credit report. After conducting a recent investigation, I have found multiple accounts that are inaccurate, incomplete, or unverifiable.\n\nAs cited under federal law:\n\n15 U.S. Code  1681e(b)  Accuracy of report\nWhenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n15 U.S. Code  1681i(5)(A)  Treatment of inaccurate or unverifiable information\nIf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall\n(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and\n(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nPursuant to these provisions, I respectfully request that the following items be immediately removed or corrected from my credit report. Please conduct a reinvestigation as required by law and provide written confirmation of the results along with an updated copy of my credit reportXXXXExperianXXXX XXXX XXXX XXXXXXXX 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 XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXXTransUnionXXXX XXXX XXXX XXXXXXXX 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 XXXXPlease treat this letter as a formal dispute under the Fair Credit Reporting Act. I look forward to your timely resolution of this matter.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
Upon reviewing my consumer report, I noticed two unknown accounts listed on my report. Both the accounts seem to be simultaneously opened around the same time just different years. These accounts are both acts of fraud, and I contacted the creditors in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CL Holdings LLC
State: NV

Complaint narrative:
Upon reviewing my consumer report, I noticed two unknown accounts listed on my report. Both the accounts seem to be simultaneously opened around the same time just different years. These accounts are both acts of fraud, and I contacted the creditors in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX ; Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Under the Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Under the Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened On : XX/XX/XXXX XXXX XXXX XXXX ; Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX XXXX ACCT ; Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). 

These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

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