vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
Experian did not fix my credit score which is still sitting at XXXX even though I have paid all my debt! This is very unprofessional. I feel like I have been picked on and descriminated against me. Fix my credit score! It's not fair! When consumers failed to make their payments to creditors credit bureaus are quick to report it and reduce your credit score, but when you pay off all your debts they dont do their part to give your the credit increase score you deserve. Thank you!

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I am writing to formally dispute the fraudulent account that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the accoun

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: TX

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 2025-03-08 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: TX

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 2025-03-08 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: TX

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

UNAUTHORIZED INQUIRIES : 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 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 explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00}

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name- XXXX, XXXXXXXX XXXX  Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year>XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX  XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX EMPLOYER - 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint regarding XXXX, Equifax, and XXXX failure to properly verify bankruptcy information on my credit profile. After reviewing my credit report, I noticed that a bankruptcy entry remains on my record despite my attempts to confirm its accuracy. 

On XX/XX/year>, I contacted the US Bankruptcy Court of Maryland to verify whether they provide bankruptcy verification to credit bureaus. I was informed that the court does not verify or report any bankruptcy information to credit bureaus. This contradicts the credit reporting agencies claims that they have verified this information. 

Following this, on XX/XX/year>, I submitted formal disputes to XXXX, Equifax, and XXXX, requesting that they provide proper verification of the bankruptcy entry. However, each bureau responded that they had verified the information, without providing any evidence beyond referencing their own records. Given that the court itself does not verify this information, it is unclear how these agencies are conducting their investigations. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that XXXX, Equifax, and XXXX comply with the Fair Credit Reporting Act ( FCRA ). If they can not independently verify the bankruptcy entry with an original source, it should be removed from my credit report immediately. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding Experian, XXXX, and XXXX failure to properly verify bankruptcy information on my credit profile. After reviewing my credit report, I noticed that a bankruptcy entry remains on my record despite my attempts to confirm its accuracy. 

On XX/XX/year>, I contacted the US Bankruptcy Court of Maryland to verify whether they provide bankruptcy verification to credit bureaus. I was informed that the court does not verify or report any bankruptcy information to credit bureaus. This contradicts the credit reporting agencies claims that they have verified this information. 

Following this, on XX/XX/year>, I submitted formal disputes to Experian, XXXX, and XXXX, requesting that they provide proper verification of the bankruptcy entry. However, each bureau responded that they had verified the information, without providing any evidence beyond referencing their own records. Given that the court itself does not verify this information, it is unclear how these agencies are conducting their investigations. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act ( FCRA ). If they can not independently verify the bankruptcy entry with an original source, it should be removed from my credit report immediately. 

Thank you for your time and assistance.

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 2025-03-08 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:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/year>XXXX  Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed XXXX, XXXX, and XXXX to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED.

Inaccurate info violates FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable.

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX XXXX have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

SBA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed EXPERIAN, XXXX, and Equifax to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED. 

Inaccurate info violates FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable. 

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX XXXX have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an email from Truist Bank advising that a payment of {$0.00} to a credit card ending XXXX ( which I have closed it last year of XXXX due of fraud issue ) could not be completed. I don't have any checking and saving accounts and credit cards with them. And yet, I receive this email. I called the Truist fraud department ( XXXX ) on the same day I received this suspicious email. One of the customer representative told me that the alert was sent in error and he will file a complaint regarding the issue. He confirmed that all of my banks accounts and credit card are closed in Last year and see no other records. On XX/XX/XXXX, I received another email from Truist saying that the email from XX/XX/XXXX was sent in error and they apologized for the confusion. Then on XX/XX/XXXX, I received another email advising that the same credit card ending in XXXX scheduled for upcoming payment from account 'Truist Savings XXXX. Transaction date is XX/XX/2025 and Amount is {$0.00}. I don't understand why I am keep receiving these emails regarding the accounts I have closed in last year. I can't trust any words from Truist Fraud department. I would like to get clarification on this issue.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-08 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: AZ

Complaint narrative:
I am requesting the immediate removal of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their source. In compliance with USC 1681g, please process their removal within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief