vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
This complaint is a follow-up to CFPB Complaint XXXX XXXX which TransUnion closed on XX/XX/year>, without properly addressing the issue. 

I submitted a valid dispute concerning inaccurate payment history on an account that I want to remain on my credit file. My request was to correct the payment reporting, not delete the tradeline.

TransUnion stated that the item was verified as reported without providing any supporting documentation from the original creditor or furnisher. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable reinvestigation.

I am now attaching a Notice of Intent to Sue. I will not upload any further documentation through the CFPB portal all evidence will be presented in court if this matter is not resolved.

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 2025-07-30 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:
This letter serves as my formal notice of dispute concerning certain account XXXX my credit report that I believe was accessed or reported without a permissiblepurpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumerreport only under specific, lawful purposes listed in 1681b ( a ). Any entity thataccessed my credit file without my authorization or without a valid legal reasonhas done so in violation of this federal law. Upon reviewing my credit reports, Ifound entries that I did not authorize, nor did I initiate any transaction that wouldjustify such access. These unauthorized entries violate 1681b ( f ), which prohibitsusers from obtaining a consumer report without a permissible purpose. XXXX : In the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ), the court ruled in favor of the plaintiff, stating that acredit report pulled without a valid permissible purpose under FCRA constitutes awillful violation, which is actionable. Furthermore, multiple credit bureaus weredefendants in recent lawsuits filed in XXXX  for re-reporting or permitting access toconsumer reports after the accounts were removed, which is also considered awillful disregard of consumer rights. 

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 2025-07-29 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: NJ

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I requested that my charges be canceled on XX/XX/year>, after I realized the charges were so much higher than normal, from {$130.00} a night to {$730.00} a night. The company posed to be The Florida XXXX in XXXX, but they weren't. Since they would night cancel or refund, I contacted PenFed and they investigated and determined I was at fault even though the company pretended to be another company. My normal bill would {$630.00}, but now {$3400.00} for a 4-night stay. The company is XXXX * XXXX  not The XXXX XXXXXXXX. My credit card company is Pentagon Federal Credit Union

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 2025-07-30 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:
This letter serves as my formal notice of dispute concerning certain account listedon my credit report that I believe was accessed or reported without a permissiblepurpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumerreport only under specific, lawful purposes listed in 1681b ( a ). Any entity thataccessed my credit file without my authorization or without a valid legal reasonhas done so in violation of this federal law. Upon reviewing my credit reports, Ifound entries that I did not authorize, nor did I initiate any transaction that wouldjustify such access. These unauthorized entries violate 1681b ( f ), which prohibitsusers from obtaining a consumer report without a permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ), the court ruled in favor of the plaintiff, stating that acredit report pulled without a valid permissible purpose under FCRA constitutes awillful violation, which is actionable. Furthermore, multiple credit bureaus weredefendants in recent lawsuits filed in XXXX  for re-reporting or permitting access toconsumer reports after the accounts were removed, which is also considered awillful disregard of consumer rights. 

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 2025-07-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-30 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: NJ

Complaint narrative:
I'm submitting this new complaint because Experian still hasnt resolved the same issue I already reported to the CFPB on XX/XX/year>. In that complaint, I clearly explained that Experian reinserted two accounts that were already previously deleted after being found unverified, and they did it without giving me any notice, any explanation, or any required certification. 

The accounts in question are : XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * These were removed after I disputed them. But now theyre back on my credit report, and I never got a notice within 5 business days, no statement of certification, no contact info for the furnisher, and nothing about my right to dispute again. Thats a clear violation of 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). They're supposed to notify me before reinserting or at least immediately after, neither happened. 

To make it worse, these accounts are being reported inconsistently across the credit bureaus. XXXX XXXX and Experian dont even match on the details for XXXX XXXX And for the XXXX XXXX, only Experian is reporting it, not XXXX XXXX XXXX So how is this considered accurate? This goes directly against 15 U.S.C. 1681e ( b ), which requires Experian to ensure maximum possible accuracy. If the data isn't even consistent between the bureaus, how is this acceptable? 

Ive already submitted all supporting documents, including my ID, proof of residence, and FTC Complaint and still, no correction has been made. Instead, I keep getting generic, useless responses ( like ones signed by E. Oscar ) that dont address the real issue or provide any Method of Verification. Under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), they are legally required to conduct a reasonable reinvestigation and explain how they verified the accounts. But Ive gotten nothing. 

Lets also talk about Experians sham investigations, which the CFPB has sued them over before. It really feels like theyre doing the same thing to me, just marking things as verified without any real review or evidence. Im not asking for anything unreasonable here, just that they follow the law, and or delete them if they cant. But every time I check my updated credit report, the accounts are still there no corrections, no response, and no compliance. 

Ive tried resolving this directly. I submitted formal disputes by mail. I reported it through the CFPB already. I gave them everything they needed to do a proper review. But Experian continues to ignore it all and keeps violating my rights under the 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 explanation
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am filing this complaint against Equifax due to their continued failure to maintain accurate and verifiable information in my credit report, which is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple attempts to resolve these issues directly with Equifax, they have not conducted a reasonable investigation or properly addressed the inaccuracies that I have brought to their attention. XXXX addresses that appear on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX are not associated with me in any legitimate or verifiable manner. I have never lived at or used these addresses, and their presence on my credit report is misleading and potentially damaging. Under 15 U.S. Code 1681e ( b ), Equifax is required to ensure maximum possible accuracy of the information they report. By failing to remove or verify these addresses, they are neglecting this responsibility. 

Furthermore, several accounts on my credit file reflect late payments that I believe to be inaccurate, outdated, or unverified. These include : XXXX XXXX XXXX XXXX accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX In many of these cases, the balances are either paid off or {$0.00}, yet the reports still show derogatory payment history. This creates a misleading representation of my creditworthiness and has caused me significant distress and financial hardship. I have asked Equifax to investigate and either verify or remove this information as required under 15 U.S. Code 1681i ( a ). However, the responses I have received have been vague, generic, and did not reflect a meaningful or thorough investigation. In many cases, the accounts were simply " verified as accurate '' without showing any documentation or proof. 

This pattern of inaction and negligence has forced me to escalate the matter. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Equifax 's handling of my disputes and compel them to take proper corrective action. My credit file is being damaged by information that Equifax has failed to adequately verify, and this goes against the very purpose of the FCRA which is to protect consumers from precisely this type of harm. 

I am requesting the permanent deletion of all unverified and inaccurate data from my credit report, including the wrong addresses and late payment notations listed above. I also ask that Equifax provide me with a full reinvestigation summary and a clear explanation of what documents were used to " verify '' the information they refused to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I am filing this identity theft for fraudulent inquiries that I noticed on my Equifax report. The inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are fraudulent. Please remove these fraudulent inquiries as they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Re : Last XXXX XXXX XXXX To Whom it May Concern While checking my most recent credit report, I noticed credit inquiries where the companies did not have a permissible purpose per the FCRA. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA Section 604 to obtain a consumer reports.

Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the Permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Please provide me with this certified information. In the absence of any such documentation, I formally request that these inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act. 

My contact information is as follows : XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover closed my credit card account ending in XXXX after nearly 4 years as a loyal customer. The account had always been in good standing, and I recently paid my balance in full. 

When I called for clarification, I was only told it was a business decision due to unusual payment activity. No further explanation was provided, and I was informed the decision was final. 

I was also told I would receive both a letter and an email about the closure. To this day, I have not received either, which raises concerns about Discovers communication and handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Equifax XXXXnformation Services, LLC Experian TransUnion

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 2025-07-29 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:
I am filing this complaint against TransUnion for failing to properly reinvestigate and remove inaccurate late payments and fraudulent inquiries on my credit report. I disputed late payments reported by XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) and multiple unauthorized inquiries, submitting an FTC Identity Theft Report as evidence. Despite this, TransUnion verified these items as accurate but has not provided documentation or the method of verification, violating FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ). Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to all information in my file and to know how disputed data was verified, yet TransUnion has failed to meet this obligation. Furthermore, FCRA 605B requires the blocking of fraudulent inquiries upon receipt of an identity theft report. The following inquiries are all fraudulent and must be removed : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnions continued reporting of these unauthorized inquiries and inaccurate late payments also violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know 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 2025-07-29 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: GA

Complaint narrative:
This is a follow-up complaint regarding TransUnion XXXX XXXX XXXX and their mishandling of my original CFPB dispute # XXXX. 

I submitted a valid dispute with full documentation ( ID, proof of address, and evidence ) showing inaccurate information on my credit report. However, TransUnion XXXX XXXX XXXX falsely responded that they were " unable to locate a credit file, '' despite having previously sent me letters and receiving my information. 

This response is not only misleading it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires a reasonable investigation. No proper reinvestigation occurred. 

I am now formally submitting a Notice of Intent to XXXX, which is attached to this complaint. I will not upload any further supporting documents. All evidence will be presented in court. 

TransUnion XXXX XXXX XXXX has XXXX hours to respond to the attached letter before legal proceedings begin. I am requesting CFPB oversight and documentation of their continued non-compliance.

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