vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
Dear TransUnion Dispute Department, This correspondence is in reference to my original complaint and credit dispute submitted on XX/XX/year>, through the CFPB Complaint Portal. Your response, dated XX/XX/year>, indicates that your investigation has concluded, but your reply fails to address the core of my dispute or provide the legally required verification documents and evidence.

While TransUnion claimed to have completed its investigation, I received no documentation or proof supporting the continued reporting of the account listed below. Furthermore, TransUnions response was delivered beyond the 30-day limit required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ). According to the law, you are required to complete your reinvestigation within 30 days, or the disputed information must be removed.

Additionally, I disagree with the following account ( s ) that still appear on my credit report. I am formally requesting that TransUnion immediately re-investigate the item ( s ) listed below. The continued reporting of inaccurate data is damaging to my credit and livelihood : Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-508, Title VI Section 611 ( 15 U.S.C. 1681i ), Subsections ( A-D ), I also request that TransUnion provide the names and business addresses of each individual and/or entity with whom the account ( s ) were verified so that I may follow up directly.

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 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
They keep put a hold in my account for a check i deposited to my account, even i send documentation where the money came from, they accepted the documents they still don't lift the hold on my account, all the credits i paid with that account the payment bounced back, and i have a late payment in one of the credit card i paid with that account, i supposed to travel for the memorial day weekend due to that matter i can't i had to cancel my trip.

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 2025-05-26 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: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized and fraudulent accounts and inquiries that are currently appearing on my credit report. I believe these accounts and inquiries are the result of identity theft and were opened or made without my knowledge or consent. Therefore, they constitute credit fraud under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following accounts and inquiries have been fraudulently attributed to me : Fraudulent Accounts : Dept of EducationXXXX XXXX XXXX XX/XX/XXXX | Balance : {$3100.00} Dept of EducationXXXX Opened on XX/XX/XXXX | Balance : {$6900.00} XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX | Balance : {$440.00} Fraudulent Credit Inquiries : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These accounts and inquiries were not authorized by me, and I have never initiated any credit activity with these institutions. Under Section 609 and Section 611 of the Fair Credit Reporting Act, I am requesting an immediate investigation and deletion of these accounts and inquiries from all consumer reporting agencies.

I am a victim of identity theft, and these entries are having a significant negative impact on my credit score, financial stability, and peace of mind. Please consider this letter a formal dispute under FCRA Section 611, and note that any unverifiable or unauthorized information must be deleted within 30 days of receipt of this letter per FCRA guidelines.

In support of my dispute, I am requesting that you : Permanently remove the listed fraudulent accounts and inquiries from my credit report.

Notify all relevant credit bureaus ( Experian, Equifax, and TransUnion ) of this dispute and ensure they update their records accordingly Attached is a Ftc identity fraud 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
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
A debt collector has alleged a debt that I do not owe. Upon request of validation of the debt, the debt collector ( not the original company ) has not provided the necessary documents to substantiate its claim. No documents have been provided by the debt collector signed by me to validate the claim. No detailed account of the original companies discharge of debt and subsequent write-off deductions has been provided. No detailed payment history. No documentation proving that I am legally obligated to pay this debt. I am unaware of any authority obtained by this company to collect this debt. It has been well over 30 days, since I've requested this information. The debt collector should have immediately stopped all collection efforts, and cleared my credit report of the alleged debt. This erroneous effort to collect this debt has effected my life substantially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: OH

Complaint narrative:
I am filing a formal complaint against the national credit reporting agencies ( Equifax, Experian, and TransUnion ) for their failure to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ]. I submitted a valid Identity Theft Report ( # XXXX ), along with supporting documents including proof of address, my Social Security card, and government-issued identification, to all three credit bureaus. Despite this, they have failed to permanently block and remove multiple fraudulent accounts and personal information from my credit reports within the 4 business days required by law. Their continued reporting of false and unauthorized information is a direct violation of federal law. Under FCRA 605B, the credit bureaus are not permitted to reinvestigate information once a valid identity theft report is submitted. They are legally obligated to block the disputed items and send me updated reports within 15 calendar days. Their repeated noncompliance is both negligent and willful. I am requesting the CFPBs urgent intervention to enforce the law, ensure the immediate and permanent removal of all fraudulent data from my reports, and initiate a formal investigation with penalties for each violation, as authorized under the The credit reporting agencies have committed the following violations : 1681c-2 ( 605B ) Failure to block identity theft information within 4 business days 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of deleted data without consumer notice 1681i ( a ) ( 5 ) ( C ) Re-reporting deleted/fraudulent information without proper certification 1681b ( a ) ( 3 ) Unauthorized access to credit report without permissible purpose 1681i Failure to investigate and correct disputed items IRS Reg. 1.6050P-1 Failure to issue 1099-C for canceled/charged-off debt ( false debt reporting ) FDCPA 1692e False, misleading representation of debt that has been discharged or canceled. 
FCRA.

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 2025-05-26 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: FL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). 

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you the Equifax, Trans Union , and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. ALL ACCOUNTS ARE FRAUDULENT XXXX {$370.00}, XXXX XXXX  {$22000.00} XXXX {$30000.00}, XXXX {$35000.00} XXXX {$2500.00}, XXXX {$20000.00}, XXXX XXXX {$31000.00}, XXXX XXXXXXXX {$18000.00} XXXX {$3600.00}, XXXX {$4400.00}, XXXX {$10000.00}, {$6200.00}, U.S. DEPT. {$9500.00}, XXXX XXXX XXXX XXXX. {$2300.00}, CHILD SUPPORT $ {$28000.00}, CHILD SUPPORT {$25000.00}, CHILD SUPPORT {$7800.00}, fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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, XXXX, 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 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 2025-05-26 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: NY

Complaint narrative:
XXXX filed a dispute with all 3 credit bareus to conduct a through and provide documentation to show proof and method verification

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 2025-05-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX filed a dispute with all 3 credit bareus to conduct a through and provide documentation to show proof and method verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX filed a dispute with all 3 credit bareus to conduct a through and provide documentation to show proof and method verification

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 2025-05-26 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: MN

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for continuing to report a collection account from Impact Receivables ( Acct # XXXX ), related to XXXX XXXX Apartments, even though the debt has never been validated and the reporting is inaccurate. 

The account was reportedly assigned on XX/XX/XXXX, but my wife and I vacated the property in XX/XX/XXXX. We never received a final billing statement, breakdown of charges, or any notice that a balance was owed. The first notice we received was when the account appeared on our credit reports. 

Several written requests for validation were submitted to XXXX XXXX  on our behalf, including a certified letter mailed XX/XX/XXXX ( XXXX XXXX # XXXX ), which is still marked as delayed in transit. Previous written requests were also ignored. Despite this, Equifax and TransUnion marked the account as verified, yet I have not been provided with any proof or supporting documentation. 

The account also shows an estimated removal date of XX/XX/XXXX, implying a Date of First Delinquency ( XXXX  ) of XX/XX/XXXX. This is inaccurate, as we vacated the property in XX/XX/XXXX and were never billed or informed of any delinquency. This raises serious concern of re-aging, which is a violation of the Fair Credit Reporting Act ( XXXX ). 

I am requesting : Immediate removal of this account from my Equifax and TransUnion credit reports I am attaching supporting documentation and tracking records that show my good-faith efforts to resolve this issue prior to submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : First Warning Formal Dispute and Demand for Immediate Deletion of Inaccurate Accounts To Whom It May Concern, This letter serves as my first formal warning and demand for the immediate deletion of the inaccurate and unverifiable accounts currently listed on my Equifax credit report.

Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), specifically 1681 ( a ), Congress clearly outlines the importance of fairness and accuracy in credit reporting. As stated : The banking system depends on fair and accurate credit reporting.

Inaccurate reports impair the systems efficiency and erode public trust.

Consumer reporting agencies, including Equifax, have a grave responsibility in handling consumer data with fairness, impartiality, and respect for privacy.

Let me be clear : by continuing to report erroneous or unverifiable accounts, Equifax is in direct violation of federal law and is actively contributing to unfair credit practices that harm not only me as a consumer, but also the integrity of the financial system.

This is not a requestthis is a demand. You are hereby notified to delete the following accounts immediately : XXXX XXXX XXXX- * * Account Number- * * XXXX XXXX If this issue is not corrected and these accounts are not removed within the legally required time frame, I will not hesitate to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for willful non-compliance.

This letter is your first and only warning. I expect confirmation of deletion in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXX  regarding inaccurate credit reporting on my closed account ending in XXXX. 



The account is paid in full, yet it continues to show an outstanding balance of {$480.00}, which is incorrect. 



Additionally, XXXX XXXX is reporting a 30-day late payment for XX/XX/year> that is inaccurate. When I dispute this with the credit bureaus, XXXX XXXX does not verify or delete the incorrect late payment instead, they move the delinquency to a different month. This creates a misleading and damaging pattern on my credit reports and may be considered re-aging of the account, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I have made multiple attempts to resolve this with XXXX XXXX directly, but the reporting remains inaccurate and harmful to my credit score. 



I am requesting that XXXX XXXX : Please help ensure that XXXX XXXX complies with the FCRA and corrects these errors across all major credit bureaus.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  regarding inaccurate credit reporting on my closed account ending in XXXX. 



The account is paid in full, yet it continues to show an outstanding balance of {$480.00}, which is incorrect. 



Additionally, XXXX XXXX is reporting a XXXX late payment for XX/XX/year> that is inaccurate. When I dispute this with the credit bureaus, XXXX XXXX does not verify or delete the incorrect late payment instead, they move the delinquency to a different month. This creates a misleading and damaging pattern on my credit reports and may be considered re-aging of the account, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I have made multiple attempts to resolve this with XXXX XXXX directly, but the reporting remains inaccurate and harmful to my credit score. 



I am requesting that XXXX XXXX : Please help ensure that XXXX XXXX complies with the FCRA and corrects these errors across all major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
b'I recently reviewed a copy of my credit report and I was shocked to find i had been a victim of identity theft i do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit\nXXXX XXXX XXXX \nAccount #XXXX*\nXXXX\nXXXX/2023'

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