vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls underXX/XX/XXXX according to XX/XX/XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, North Carolina XXXX, XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-08 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-08 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 writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inforamation are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting 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 2025-07-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
b"On XXXX unauthorized $XXXX  was transferred from my money network account set up by the California XXXX. On XXXX  unauthorized $XXXX  was transferred from the same account. I discovered the unauthorized transactions in XXXX XXXX XXXX when I went to use the account and was denied for insufficient funds. This account was not used and the money was being saved thus I did not check the account balance and was never given any notifications of any transactions or balance statements. I filed a claim with moneynetwork on XXXX XXXX XXXX days after the discovery and was denied due untimely reporting. I sent an appeal after the denial came back on XXXX XXXX XXXX and was denied again due to unknown reasons. The phone number on my account was changed to XXXX XXXX XXXX prior to the fraudulent transfers. The money was sent unauthorized to a personal account unknown to me. I have called the customers service lines numerous times and have been told i need to speak with a higher ranking manager/supervisor who will call me back but never has and is never available. the transaction id's for the fraudulent transfers are XXXX  and XXXX  . This company does not allow customers to speak to the fraud department and has no physical locations, the only means of correspondence is through a generic email adress."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX  account XXXX XXXXXXXX and XXXX. 
American Express XXXX  XXXX, sent a letter stating that closed the account, and remove any derogatory information. the account is still on my credit reports, and under a debt collecter. student loans are inactcurate. The credit bureaus are not verifyng the, information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Second and Final Notice Request for Immediate Removal of Negative Closed Items Due to Inaccuracies and Data Breach Exposure This letter serves as a second formal notice regarding my request to have all negative closed accounts and items related to my credit profile removed immediately and effectively.

It has come to my attention that my personal and financial information may have been compromised due to a known national data breach, and as a result, I have reason to believe that some of the negative reporting on my credit file may be the result of inaccurate, outdated, or unverifiable information.

According to the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Any account that can not be validated must be deleted immediately from all credit reporting agencies.

This is the second attempt to resolve this matter. Please consider this my final request before I pursue legal remedies through the Consumer Financial Protection Bureau ( CFPB ) and/or other appropriate channels. 

I am demanding that you : Immediately remove all negative closed items associated with my credit file that are inaccurate, unverifiable, or compromised. 
items as followed : XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL NEGATIVE ITEMS ALL CLOSED ACCOUNTS CHARGED OFFS COLLECTION ETC Provide written confirmation of the deletion within 15 calendar days from the date of this notice.

Cease and desist from further reporting of any such accounts if they can not be validated. 

Please be advised that I am documenting all communications related to this matter. Non-compliance will be reported. 

Thank you for your prompt attention. 

Sincerely, 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 2025-07-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Second and Final Notice Request for Immediate Removal of Negative Closed Items Due to Inaccuracies and Data Breach Exposure This letter serves as a second formal notice regarding my request to have all negative closed accounts and items related to my credit profile removed immediately and effectively.

It has come to my attention that my personal and financial information may have been compromised due to a known national data breach, and as a result, I have reason to believe that some of the negative reporting on my credit file may be the result of inaccurate, outdated, or unverifiable information.

According to the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Any account that can not be validated must be deleted immediately from all credit reporting agencies.

This is the second attempt to resolve this matter. Please consider this my final request before I pursue legal remedies through the Consumer Financial Protection Bureau ( CFPB ) and/or other appropriate channels. 

I am demanding that you : Immediately remove all negative closed items associated with my credit file that are inaccurate, unverifiable, or compromised. 
items as followed : XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL NEGATIVE ITEMS ALL CLOSED ACCOUNTS CHARGED OFFS COLLECTION ETC Provide written confirmation of the deletion within 15 calendar days from the date of this notice.

Cease and desist from further reporting of any such accounts if they can not be validated. 

Please be advised that I am documenting all communications related to this matter. Non-compliance will be reported. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections, ACCOUNTS IN QUESTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint against Experian for allowing harmful and inaccurate information to remain on my credit report during an open dispute involving XXXX XXXX and XXXX. Despite providing documentation that these student loan servicers violated their original deferment terms by charging me while I was still enrolled in school, Experian continues to list the damaging tradelineswaiting for a response from the same companies that caused the issue. 

This delay is actively harming my life. I am unable to finance a vehicle, which is essential to sustaining my employment as a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX and fulfilling my duties within the XXXX. I also work with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to this credit harm, I can not attend necessary medical appointments, which poses a risk to my well-being. 

These inaccurate tradelines, rooted in breach of contract and misconduct, are preventing me from functioning in daily life. If the data is in dispute, proven to be misleading and harmful, it should not remain active. Experians failure to act in good faith is unacceptable.

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 2025-07-08 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: DISCOVER BANK
State: AL

Complaint narrative:
I have tried disputing this account. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer. It shows that the account was opened under a XXXX and I am not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
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 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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

I expect a prompt response to rectifytheseissues. 
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 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 2025-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 non-monetary relief
Consumer complaint received 2025-07-08 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: OH

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 explanation