vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : DPT EDXXXX Account number : 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 2025-04-22 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: MD

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
This account and balance do not belong to me. 

* * XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Status : Not Available Account Status : Closed Age of Account : 13 years, 10 months, 24 days Late Payments : 6 This is clearly a case of fraud and identity theft, and it must be addressed and resolved immediately. I have disputed this matter numerous times, yet Equifax has failed to take corrective action. 

Furthermore, regarding the account with * * XXXX XXXXXXXX * * : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Status : Not Available Reported Balance : {$0.00} Actual Payment Amount : Date of Last Payment : Past Due Amount : Account Status : Pays account as agreed Once again, I assert that this account and balance do not belong to me. This is another instance of fraud and identity theft that requires immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
Complaint title : dispute and request for update of personal information. 

I am submitting this complaint against TransUnion Credit Reporting Agency regarding inaccuracies in my personal information as reported in my credit report. 

Details of the dispute : XXXX Incorrect Name : My current legal name is XXXX XXXX XXXX but XXXX XXXX incorrectly listed as XXXX XXXX, also XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 
XXXX Incorrect contact information. The phone number listed on my credit report XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my Social Security, displaying my correct name. 
A copy of my phone bill or any official document that displays my correct phone number.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Contemporary Information Corp
State: CA

Complaint narrative:
XXXX XXXX ran a background check during a tenant screening and found a erroneous eviction reporting negative on my report, and adversely affecting my ability to get housed for me and my family. I am asking that this information be removed. I have a common name and can possibly be mistaken identity. Jurisdictions Searched ( show ) 1 eviction record ( s ) were found Eviction Record 1 Agency State CA Plaintiff XXXX * XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Defendant Full Name XXXX XXXX XXXX Case Number XXXX Defendant Address XXXX XXXX XXXX ; XXXX XXXX ; CA ; XXXX File Date XX/XX/year> City, State, Zip XXXX XXXX CA XXXX Judgment Date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  -- Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-04-22 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  -- Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Under the law -Repossessions 15 U.S.C 1692e 15 U.S.C 1692f information need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 recently discovered that I have been a victim of identity theft after reviewing my credit report on XX/XX/scrub> 2025. Multiple accounts were opened and used fraudulently in my name without my knowledge or authorization. These accounts include auto loans, credit cards, and installment loans, many of which are now in collection status or have been charged off. 

I promptly filed a police report and submitted an Identity Theft Affidavit to the Federal Trade Commission. On XX/XX/scrub> 2025, I submitted formal written requests to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under FCRA Section 605B, demanding they block the fraudulent accounts from my credit report within the four business days required by law.

Despite providing all required documentationincluding my ID, proof of address, police report, and the FTC affidavitsome of these accounts are still being reported as valid, and no confirmation of a block has been received. 

These fraudulent accounts are damaging my credit standing and causing ongoing distress. I am seeking CFPBs help to ensure the credit bureaus comply with federal law and remove the fraudulent data from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : US DEPT ED Account number : 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Received a check as payment for work the check was written on a us bank check i remotely deposited check the back accepted and cashed check putting the entire check funds into my checking account approximately XXXX days later they said check was no good and now want there money back. First problem is they never said that the check is no good, or that the bank wants the money back. the bank freezes all of my accounts XXXX checking and XXXX savings account. this happened on XXXX XXXX I found out on XXXX XXXX when i went to get some money out of my account. since that time until today they still have all of my funds frozen they wont give me information and in the meanwhile i can not pay my bills destroying my perfect payments and credit. i owe more then ever due to all the late fees due to us bank freezing accounts I have had no money for over a month and still no answers. i am falling so far behind in bills i will never recover can supply credit card statements with late charges i feel the bank should reimburse my for all late fees plus costs i earned that money and i feel they have stolen it without cause. I am stressed and scared what i am going to do i do not have money to even eat. please help me the check was for XXXX in XXXX of my accounts i have over XXXX and in the others maybe close to XXXX more then enough to cover the check the first said was good then changed their minds i would like my remaining money to pay my bills and live not having to borrow money going further into debt. 

i call the bank everyday and everyday i get the run a round lies and a lot of disrespect and smart remarks this complaint is against USBank

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint title : dispute and request for update of personal information. 

I am submitting this complaint against Equifax Information Services LLC, regarding inaccuracies in my personal information as reported in my credit report. 

Details of the dispute : XXXX Incorrect Name : My current legal name is XXXX XXXX XXXX but XXXX XXXX incorrectly listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report. I request that my name be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my Social Security displaying my correct name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
As a consumer, you're protected from unfair collections practices through the Fair Debt Collection Practices Act ( known as the FDCPA ). This is a federal law which regulates the collection of consumer debts ( as opposed to business debts ). 

The first is subsection c ( a ) ( XXXX ). This subsection of the FDCPA says ( in part ) that a collection agency may not contact you at a time or place which is known or should be known to be inconvenient. So, if you tell a collection agency that emailing you is inconvenient, then they can not do so. 

The second is subsection XXXX ( XXXX ). This subsection says that, amongst other things, a collection agency must, when they update an account on your credit reports, mark a debt as disputed- if indeed you disputed it. Failure to do so is a violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA Hello, I hope this letter finds you well. I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. This is under the Fair Debt Collection Practices Act only. Please note that this is not a request for further verification or documentation of debt ( s ). I simply wanted to make you aware of my disagreement regarding the debt in question. 

For future communication, please note that if you need to contact me, the only convenient time and/or place for me to be contacted is on my cell phone via text, or on my cell phone, computer or tablet via Email. The only convenient times to contact me are between Monday through Thursday, between XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any other time or location is not convenient. That includes a live call or voicemail, and I appreciate your understanding in this regard. 

Thank you for your attention to this matter. Your cooperation is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX tied up XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Heyso sorry for another complaint, and I really do appreciate whoevers taking the time to review this. Seriously, thank you! I just ask that you please take a look at the XXXX documents I submittedthey include every receipt, timeline, and screenshot showing how Upstart and Experian violated the FCRA and then tried to cover it up. XXXX  also quietly removed the Account in dispute remark while the investigation was still active, with no notice or explanation, which feels like a clear FCRA violation too. This isnt just carelessnessits intentional negligence, and everything is laid out clearly in the evidence. 

My original complaint number is 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 2025-04-22 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: CO

Complaint narrative:
Heyso sorry for another complaint, and I really do appreciate whoevers taking the time to review this. Seriously, thank you! I just ask that you please take a look at the two documents I submittedthey include every receipt, timeline, and screenshot showing how Upstart and XXXX  violated the FCRA and then tried to cover it up. Equifax also quietly removed the Account in dispute remark while the investigation was still active, with no notice or explanation, which feels like a clear FCRA violation too. This isnt just carelessnessits intentional negligence, and everything is laid out clearly in the evidence. 

My original complaint number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am formally demanding the immediate removal of this inaccurate and unverified information pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and failure to comply may result in legal action or a formal complaint to federal regulatory authorities XXXX  XXXX XXXX Balance - XXXX  XXXX XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX {$53.00} XXXX  XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX  Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 am formally demanding the immediate removal of this inaccurate and unverified information pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and failure to comply may result in legal action or a formal complaint to federal regulatory authorities XXXX  XXXX XXXX Balance - XXXX  XXXX XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX {$53.00} XXXX  XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX  Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX tied up XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}

Company response to consumer: Closed with non-monetary relief