vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I contacted heights finance because I saw them reporting on my credit and did not apply for any type of loan from them.

I first noticed in may and had the dispute started the dispute and have yet to receive any information such as picture of the check that was signed who released the funds or who cashed it. Thy gave me information from my account that has no connection to me such as wrong phone number and wrong email, they only got the correct information because I called them and gave them my email. When I started the dispute I turned in a fraud packet the XXXX branch and had them note on my account I had done so. During my recent phone call they said they have yet to receive it yet it was on my account that I turned it in they also said it was scanned onto my account so they have a digital copy of it. Ive called multiple times and every time they tell me they email the fraud department and that the fraud department had no direct line and I will have to wait to be contacted which is supposed to be done within XXXX hours I was told as of XX/XX/XXXX I was told my fraudulent debt was sold to another company and on the same day I called to ask about it they told me yes that my account was indeed XXXX XXXX XXXX and that I would be contacted within XXXX hours is been another XXXX days and surprise no phone call no email Ive requested multiple times to be contacted and never had never once has this company reached back out to me Ive have had to call them every single time this has dragged on XXXX months and severely affected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I am submitting this complaint as my third formal dispute regarding significant inaccuracies on my TransUnion and Equifax credit reports that remain unresolved despite my prior submissions and supporting documentation. I am extremely frustrated and concerned that TransUnion and Equifax have failed to correct these errors, which continue to negatively impact my credit profile, financial stability, and overall creditworthiness. This ongoing misreporting demonstrates a clear disregard for the obligations imposed under the Fair Credit Reporting Act ( FCRA ), including FCRA 611, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 2 ), which obligates furnishers to promptly correct and update inaccurate information once notified of a dispute. Additionally, FCRA 605 ( a ), concerning the reporting of obsolete information, and FCRA 609, which entitles me to full disclosure of the method and documentation used to verify reported data, are implicated due to the continued presence of erroneous entries on my credit file. The accounts and data at issue include XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1000.00}, XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$1500.00}, XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$6000.00}, XXXX CARD account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$6000.00}, as well as multiple inaccurate personal identifiers and address listings including XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, along with inaccurate name variations including XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-12-26 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:
I am reaching out because I have discovered several serious inaccuracies and legal violations within my credit report, and I feel compelled to tell the full story of why these items must be removed. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am exercising those rights now. 
When I reviewed my report, I noticed that my personal information was not being reported correctly. My name has been listed in several inaccurate variations XXXX XXXX, XXXX XXXX XXXX, and XXXX none of which reflect my true legal identity.Under FCRA 607 ( b ), is required to maintain maximum possible accuracy, and reporting false names and addresses violates that obligation. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Taken together, these errors tell a troubling story : my credit report is not being maintained with the accuracy and fairness required by law. The FCRA and FDCPA were designed to protect consumers like me from exactly this type of situation. Under FCRA 611, I have the right to dispute inaccurate information and require reinvestigation within 30 days. If they fails to comply, it will constitute willful noncompliance under FCRA 616 and 617, which subjects to civil liability.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I disputed the XXXX XXXX  account on my credit report. The credit reporting agency marked the account as verified. 
I am formally challenging the verification process and requesting compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the credit reporting agency to disclose the Method of Verification used to verify disputed information.

I submitted a written Method of Verification request. To date, the agency has failed to provide a complete and detailed description of how the account was verified, including who was contacted, the method used, or whether any original documentation was reviewed.

Verification without a reasonable investigation violates the Fair Credit Reporting Act. I am requesting deletion of the unverifiable XXXX XXXX  account or full compliance with the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this second formal follow-up to demand the immediate and permanent removal of multiple inaccurate, unverifiable, and misleading items currently reported on my credit file across Experian, Equifax, and TransUnion. Despite my prior dispute, several accounts and inquiries remain on my reports, misrepresenting my credit history and causing significant harm to my creditworthiness and financial reputation. These items violate federal law and must be permanently removed. 
The account XXXX XXXX XXXX with a reported balance of {$0.00}, reported on Experian as a late-closed account, continues to be inaccurately reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). This repeated misreporting misrepresents my credit activity and must be permanently removed. 
Additionally, the following charged-off accounts are inaccurately reported and unverifiable : XXXX XXXX XXXX with a balance of {$200.00}, reported on Experian, Equifax, and TransUnion ; XXXX XXXX XXXX with a balance of {$0.00}, reported across all three bureaus ; and XXXX XXXX XXXX with a balance of {$480.00}, reported on Experian, Equifax, and TransUnion . These accounts continue to appear without proper verification or documentation, and their continued reporting constitutes violations of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). The lack of supporting documentation renders these accounts unverifiable, and they must be immediately and permanently removed.

Furthermore, I dispute several hard inquiries that have been inaccurately reported or are otherwise unverifiable. These include XXXX XXXX XXXX XXXX XXXX on Experian, XXXX XXXX on Equifax, and multiple inquiries reported on TransUnion, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The continued reporting of these inquiries violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), misrepresents my credit activity, and must be permanently removed.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this fourth-round dispute statement to formally challenge multiple inaccuracies and inconsistencies reported on my Equifax, Experian and TransUnion credit file, as protected under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 regarding the correction of billing errors, 15 U.S. Code 1666a concerning restrictions on creditors during disputes, FCRA 611 ( 15 U.S.C. 1681i ) requiring reinvestigation of inaccurate information, FCRA 623 ( a ) ( 2 ) mandating furnishers and credit bureaus to correct and update reporting, FCRA 605 ( a ) prohibiting the reporting of obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) guaranteeing my right to complete disclosure of all reported account information. The reporting of several accounts, specifically late open accounts with XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX, is inconsistent, inaccurate, and does not reflect my true payment history, thereby misrepresenting my creditworthiness.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding an unauthorized and improperly verified hard inquiry that appears on my Equifax credit report.

My Equifax credit report shows a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year>. I did not authorize this inquiry, and Equifax has failed to provide any documentation demonstrating that I gave permissible authorization for XXXX XXXX, or any dealer acting on its behalf, to access my credit report. 

I previously disputed this inquiry and requested verification, including proof of permissible purpose such as a signed credit application, written consumer authorization, or documentation showing that I authorized this hard pull. No such documentation was provided, yet the inquiry remains on my Equifax credit report.

Under the Fair Credit Reporting Act, a consumer reporting agency may only report a hard inquiry if it was made for a permissible purpose. Simply asserting that an inquiry is verified without producing documentary proof of authorization does not constitute a reasonable reinvestigation.

By continuing to report this inquiry without proof of authorization, Equifax has failed to follow reasonable procedures to assure maximum possible accuracy and has failed to properly reinvestigate disputed information. This inquiry is negatively impacting my credit profile and my ability to obtain credit.

Equifaxs conduct violates, but is not limited to, the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681b ( a ) Reporting a consumer inquiry without a permissible purpose 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) Failure to properly forward dispute information to the furnisher 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine accuracy Additionally, under UCC 9-203 ( b ), enforceable rights affecting a consumer require proper authorization. In the absence of documented authorization, the continued reporting of this inquiry is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I paid my XXXX XXXX account in full. After payoff, fraudulent charges occurred. I owe {$0.00}. I submitted proof of payoff and fraud documentation. Despite this, XXXX XXXX continues furnishing an incorrect balance and TransUnion continues reporting the account as in review without resolving the dispute. This violates FCRA 611 ( failure to reinvestigate ) and FCRA 623 ( inaccurate furnishing ). I am requesting immediate correction or deletion and written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AR

Complaint narrative:
I am disputing multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion. My name is incorrectly listed as " XXXX XXXX, '' and my addresses are reported inaccurately, including XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX, AR XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX My accounts, including XXXX ( XXXXXXXX XXXX XXXX, {$0.00} balance ) and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} ), contain errors in balances, dates, and status. Additionally, numerous hard inquiries, such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be unauthorized, duplicated, or inaccurately reported. These inaccuracies affect my creditworthiness and may violate FCRA 605, 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 604 ( a ). I request that CFPB investigate and ensure my credit reports accurately reflect my true financial history.

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 2025-12-26 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: AR

Complaint narrative:
I am disputing multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion. My name is incorrectly listed as " XXXX XXXX, '' and my addresses are reported inaccurately, including XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX, AR XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX My accounts, including XXXX ( XXXXXXXX XXXX XXXX, {$0.00} balance ) and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} ), contain errors in balances, dates, and status. Additionally, numerous hard inquiries, such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be unauthorized, duplicated, or inaccurately reported. These inaccuracies affect my creditworthiness and may violate FCRA 605, 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 604 ( a ). I request that CFPB investigate and ensure my credit reports accurately reflect my true financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am disputing multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion. My name is incorrectly listed as " XXXX XXXX, '' and my addresses are reported inaccurately, including XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX, AR XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX My accounts, including XXXX ( XXXXXXXX XXXX XXXX, {$0.00} balance ) and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} ), contain errors in balances, dates, and status. Additionally, numerous hard inquiries, such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be unauthorized, duplicated, or inaccurately reported. These inaccuracies affect my creditworthiness and may violate FCRA 605, 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 604 ( a ). I request that CFPB investigate and ensure my credit reports accurately reflect my true financial history.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-26 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this fourth-round dispute statement to formally challenge multiple inaccuracies and inconsistencies reported on my Equifax, Experian and TransUnion credit file, as protected under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 regarding the correction of billing errors, 15 U.S. Code 1666a concerning restrictions on creditors during disputes, FCRA 611 ( 15 U.S.C. 1681i ) requiring reinvestigation of inaccurate information, FCRA 623 ( a ) ( 2 ) mandating furnishers and credit bureaus to correct and update reporting, FCRA 605 ( a ) prohibiting the reporting of obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) guaranteeing my right to complete disclosure of all reported account information. The reporting of several accounts, specifically late open accounts with XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX, is inconsistent, inaccurate, and does not reflect my true payment history, thereby misrepresenting my creditworthiness.

Company response to consumer: Closed with non-monetary relief