vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding 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 2025-06-19 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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 2025-06-18 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-18 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 have reviewed my credit report and identified a hard inquiry that I never authorized. I have not applied for any new credit nor consented to any credit checks around the time this entry was posted. As such, this inquiry was placed in error or without my permission. Please remove this inquiry to ensure the report accurately reflects my activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I bought my XXXX XXXX  for the first time it was {$32.00} but I found out that All my Personal information was found on the Dark Web Since XXXX of XXXX  XXXX XXXX XXXX XXXX which I had known idea of! Now 4 years later I finally know where this fraud stuff was coming from even filled out FTC REPORT! My Navy Federal account has been affected by this on numerous occasions I just want them to fix the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX place a collections notice on my credit report. I have never received any phone calls, voicemails, postal mail or any other notification of XXXX XXXX attempting to collect this debt. Upon contacting XXXX XXXX, XXXX XXXX informed me that the collection was from XXXX for Towing a XXXX XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. The VIN provide by XXXX XXXX for this Vehicle is XXXX. 

I have never owned a XXXX XXXX XXXX and have never been to XXXX XXXX XXXX, TX. XXXX XXXX stated during our recorded call that XXXX XXXX did not research the owner of record of the vehicle. A simple DMV records search would have shown I am not the owner of record. Instead, XXXX XXXX acted negligently by accepting a claim from XXXX XXXX and placed an illegal collections notification on my credit report. It is clear from the information disclosed that XXXX XXXX was negligent in researching this collections claim from XXXX XXXX. I disputed this claim entirely, and demanded it be removed from my credit report within 24 hours. XXXX XXXX is acting with reckless regard to the law. 

I also contacted XXXX XXXX who is the company that submitted this debt to XXXX XXXX for collections. I spoke with an individual named " XXXX '' who refused to provide her last name. I informed her of the collections and asked to speak with a supervisor. 
She claimed no supervisor was on duty and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Subject : Demand for Immediate Deletion of All Negative Items Due to Data Compromise and FCRA Violations To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand the immediate deletion of all negative items currently appearing on my credit report maintained by your agency.

Due to the widely publicized XXXX  data breach, which compromised highly sensitive personal and financial dataincluding Social Security numbers, full names, addresses, and credit account detailsthere is no way to verify the origin or accuracy of many items shared across credit bureaus. As a result, Experians records may also contain inaccurate, manipulated, or incomplete data.

You are required under FCRA 1681e ( b ) to ensure the maximum possible accuracy of the information you report. You are also obligated under FCRA 1681i to reinvestigate any disputed items and delete them if they can not be fully verified. This is your notice that any item on my credit report that can not be verified with complete and original source documentation must be deleted immediately.

Please note that if you continue to report unverifiable or inaccurate data, you are in willful noncompliance with FCRA 616 and 617 and subject to legal action, statutory damages, and complaints to the CFPB, FTC, and other regulatory authorities.

I demand the following : 1. Immediate deletion of all negative information including, but not limited to : o Late payments o Charge-offs o Collections o Bankruptcy o Public records o Any other derogatory or potentially compromised data 2. A reinvestigation and response within 15 calendar days per FCRA obligations.

3. A corrected copy of my Experian credit report reflecting all removals sent to me in writing.

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 2025-06-18 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:
A hard inquiry has appeared on my credit report, but I have not submitted any application or granted consent that would allow a credit check. This constitutes a breach of my consumer rights, and I am requesting the removal of this entry to ensure the report reflects only verified and authorized activity.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XXXX XXXX, XXXX  and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as
permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In response to an identity theft incident that had been reported to me by XXXX  and verified as fraudulent activity, I placed my Equifax credit on a XXXX freeze. After that I went to XXXX to make an official report in order to get a XXXX freeze. I received a XXXX report to provide in my application. 

However, the Equifax website provided no means for me to change the existing XXXX freeze to a XXXX freeze. When I called their customer service number, I was placed on a lengthy hold, only to finally reach a foreign call center that had no ability to handle even a mild issue like mine. They recommended I mail a printout of the digital XXXX  to Equifax. In 2025. 

This process makes it unreasonably difficult to make a simple adjustment to my credit freeze. Equifax has demonstrated a concerning lack of responsiveness to the vital oversight we need them to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-19 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: NV

Complaint narrative:
After Reviewing my Equifax credit report i see accounts that aren't mines and are on my profile due to identity theft. These are the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
On XX/XX/XXXX I bought my Fico Score for the first time it was {$32.00} but I found out that All my Personal information was found on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I had known idea of! Now 4 years later I finally know where this fraud stuff was coming from even filled out FTC REPORT! My XXXX XXXX account has been affected by this on numerous occasions I just want them to fix the problem

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 2025-06-19 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: KY

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy and is causing serious, ongoing harm. These errors must be thoroughly investigated and either corrected or permanently removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am submitting this formal complaint to dispute a series of hard inquiries that are currently appearing on my TransUnion credit report. These inquiries include entries from XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. I did not initiate credit applications with these companies on the listed dates, nor did I authorize these entities to access my credit report. Because of this, I have serious concerns about how these inquiries were allowed to post, and whether TransUnion failed to properly vet whether these requests were permissible under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681b ( a ) of the FCRA, a credit reporting agency may only furnish a consumer report under very specific conditions, such as when a consumer applies for credit, employment, insurance, or other legitimate purposes explicitly authorized by the consumer. The presence of these inquiries, despite my lack of authorization, implies that either the furnishers failed to obtain proper consumer consent or TransUnion released my credit information without verifying that a valid purpose existed. This constitutes a violation of both 1681b ( a ) and 1681e ( a ), which requires that credit bureaus maintain reasonable procedures to ensure that consumer credit files are accessed only by those with a legally permissible reason. 

The presence of unauthorized hard inquiries is not a minor issue. Each of these entries lowers my credit score and creates a misleading picture to lenders and other reviewing parties, suggesting that I am actively seeking credit from multiple sources when I am not. This has the potential to result in credit denials, higher interest rates, or other forms of financial harm, which makes this matter urgent and deserving of immediate rectification.

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 2025-06-18 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation