vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: DE

Complaint narrative:
I submitted formal disputes under 15 U.S.C. 1681i ( a ) to Experian, Equifax, and TransUnion regarding XXXX ( XXXX ) derogatory accounts being inaccurately reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested the following under the law : Verification of the accounts The method of verification used to confirm the information Supporting documentation from the data furnishers Proof of permissible purpose for continued reporting under 1681b Despite these lawful requests : Equifax deleted XXXX of the XXXX accounts ( which suggests they were unverifiable ) Experian deleted only XXXX of XXXX TransUnion has not deleted any accounts None of the credit bureaus or furnishers provided any method of verification or documentation, as required by 1681i ( a ) ( 6 ) ( B ) ( iii 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting conflicting, unverified data across bureaus violates this provision.

1681i ( a ) : Once a consumer disputes information, the CRA must investigate and either verify or delete the item within 30 days. Any unverifiable item must be deleted under 1681i ( a ) ( 5 ).

1681s-2 ( b ) : Furnishers who receive notice of a dispute must investigate and provide corrected information to all CRAs failure to do so is a direct violation.

1681b : The CRA or furnisher must have a permissible purpose to report this data. I have received no such proof.

1681n / 1681o : I reserve the right to pursue legal remedies under these sections for willful and/or negligent noncompliance, which has caused measurable financial harm.

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 2025-07-01 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: DE

Complaint narrative:
I submitted formal disputes under 15 U.S.C. 1681i ( a ) to Experian, Equifax, and TransUnion regarding XXXX ( XXXX ) derogatory accounts being inaccurately reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested the following under the law : Verification of the accounts The method of verification used to confirm the information Supporting documentation from the data furnishers Proof of permissible purpose for continued reporting under 1681b Despite these lawful requests : Equifax deleted XXXX of the XXXX accounts ( which suggests they were unverifiable ) Experian deleted only XXXX of XXXX TransUnion has not deleted any accounts None of the credit bureaus or furnishers provided any method of verification or documentation, as required by 1681i ( a ) ( 6 ) ( B ) ( iii 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting conflicting, unverified data across bureaus violates this provision.

1681i ( a ) : Once a consumer disputes information, the CRA must investigate and either verify or delete the item within 30 days. Any unverifiable item must be deleted under 1681i ( a ) ( 5 ).

1681s-2 ( b ) : Furnishers who receive notice of a dispute must investigate and provide corrected information to all CRAs failure to do so is a direct violation.

1681b : The CRA or furnisher must have a permissible purpose to report this data. I have received no such proof.

1681n / 1681o : I reserve the right to pursue legal remedies under these sections for willful and/or negligent noncompliance, which has caused measurable financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates : XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates : XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 a 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 if 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 2025-07-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

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 2025-07-01 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: OH

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 a 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 if 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 2025-07-01 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 all fraudulent items from my credit file. As a XXXX of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect , Inc. is reporting a debt to all credit reporting agencies that I do not own, authorize, or benefit from. I submitted multiple FCRA-compliant identity theft disputes on XX/XX/year>, and XXXX, XXXXeach with an FTC Identity Theft Report, notarized affidavit, government ID, and proof of addressrequiring removal under 1681c2. They failed to remove the tradeline from all credit reporting agencies without explanation or written confirmation. They havent provided proof of lawful authority or investigation results as required. This continued reporting harms my credit and violates 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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I have too many payday loans that I just cant afford to pay off pluse a lot of XXXX loans

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 2025-07-01 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 contacting you to dispute a collection account that has been mistakenly added to my credit report. I have thoroughly reviewed my records and can confirm that I am not responsible for the debt in question.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XXXX of this year they came to my moms house which I do not ive at and left a note from fed x for ne to pick uo at the post office. They had my address the account got closed in 2022 ans they just now a few weeks ago put something on my door taped so it couldve been someone elses apartment for all to read and take off my door. Now they wan na sue 3 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 writing regarding a collection account that has been reported on my credit file in error. I have reviewed my records and can confirm that I do not owe this debt, nor was I ever notified about it prior to it appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I have medical debts that I asked to have sent to new address but were not I received nothing. I didnt receive a single bill, no call asking for payment no reason for bill, I had to go to my insurance to find out and only because I had not XXXX not XXXX but more than a half dozen debts show up and hurt my credit score. Reaching out has been impossible asking for information has been impossible asking for the reason why the same amount is being charged multiple times I cant receive an answer asking for proof if I pay the debt if I can get a receipt, cant guarantee that then once I wan na pay the debt, I have to pay the debt only in XXXX of XXXX ways either directly with a credit card or with a cashiers check and then no receipt now I requested multiple information. I didnt receive any of it. XXXX of the bills they did soon before they said that if I didnt go to court, I would have to pay. I couldnt afford a lawyer. I tried to send a letter to the court stating such, but the creditor, the debt collector didnt care went through with it. They had the wrong name on the bill. Its not even my name no proof that services were even rendered to me and now I have approximately XXXX or XXXX red marks on my credit report all of which are medical bills, but all of which are from creditors and they wont reach out to me. They wont negotiate the bills and they wont let me consolidate them and they wont answer why the amount is what it is. I have the same {$550.00} collection from the same collection company XXXX separate times, but I never had any medical bill for that much that many times bottom line. The only time theyll speak to me is if I lie and tell him Im going to pay, and then when I asked them for more information, they threatened to sue me and say that theyre gon na garnish my wages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted formal disputes to Equifax, Experian, and TransUnion on XX/XX/2025, with proof of identity and address. 
The negative accounts I challenged are inaccurate, unverifiable, and violate Metro 2 and FCRA 609/611 standards. No proper reinvestigation or deletion occurred.

Ive attached the dispute letters showing the exact accounts. I'm requesting immediate action and full deletion.

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