vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
RE : Formal Dispute of Equifax Failure to Properly Investigate Disputed Information to Whom It May Concern, I'm writing because I'm really frustrated with how Experian, handled my recent credit dispute. I've recently learned about the CFPB lawsuit against Experian, and i think my situation is connected to the problems they're being sued for. I disputed these accounts on my credit report, but you didn't seem to investigate it properly do to the FCRA ( FAIR CREDIT REPORTING ACT ) 15 U.S.C. 1681i, '' Procedure in case of disputed accuracy '' mandates if the consumers dispute the completeness accuracy of information the credit reporting agency must conduct a reasonable Reinvestigation within 30 days the agency must promptly notify the furnisher of the information about the dispute and, if the information is found inaccurate, incomplete, or unverifiable, promptly delete or modify it the accounts I'm disputing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And the issue is that the information about this account is incorrect. On top of that, your response didn't explain much. I didn't get any proof of details that i requested and also you didn't give details about how you verified the account. And this is hurting my ability to purchase a home for my family! Here 's what I'm asking for : 1 ). Do a proper reinvestigation as REQUIRED by law. 2 ). Remove the incorrect account or information from my credit report if the company can't verify it. 3 ). Send me clear overall results showing exactly what you did to verify this account and share any proof used. 4 ). Don't let this account come back on my report unless you can prove it's accurate and give me written notice first. and within your investigation as i requested once before you job is to ask the collection agencies for a ASSIGMENT OF CONTRACT OR FULL CHAIN OF ASSIGNMENT, A BILL OF SALE FROM THE ORIGINAL CREDITOR WITH IDENTIFIYING ACCOUNT DETAILS, ACCOUNT-LEVEL DOCUMENTATION ( SIGNED CONTRACT, STATEMENTS, CHARGE-OFF DETAILS, PROOF OF LICENSING AND BONDING TO EVEN COLLET DEBT IN MY STATE, FULL BREAK DOWN OF HOW THE BALANCE WAS CALCULATED ( PRINCIPALS, INTREST, FEES ) .I 'm asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isn't fixed, I'll have no choice but to file a complaint with the CFPB and take further action to protect my rights. Thanks for your time Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am reaching out to dispute a reported late payment that appears on my credit profile. I have a strong track record of making payments on time and was surprised to see a derogatory mark that contradicts my financial 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 2025-07-03 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: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account : XXXX XXXXXXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent paper notification, Please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 XXXXXX/XX/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 2025-07-03 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: MN

Complaint narrative:
I am submitting this complaint to inform you that I have initiated an arbitration proceeding against the furnisher reporting inaccurate information on my credit report. Despite multiple attempts to resolve this matter directly, the inaccurate reporting has not been corrected. I am respectfully requesting that your office, as a regulatory body, review the circumstances and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Your oversight is essential in addressing ongoing violations that continue to harm my creditworthiness and overall financial well-being.

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 2025-07-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX Experian, XXXX and XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * * and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-04 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: TX

Complaint narrative:
I submitted formal disputes to all three credit bureaus regarding multiple Dept of Education / XXXX accounts reporting late payments and inaccurate balances. These tradelines contain false derogatory marks that violate federal consumer protection laws and Metro 2 compliance standards. I was never provided a billing statement with a minimum 21-day notice before being marked late, which is required under 15 U.S.C. 1666 ( b ). The servicer failed to provide original source documentation or timestamped evidence of delinquency. Furthermore, the bureaus verified these tradelines without furnishing proof, violating FCRA 1681i and 1681e ( b ). The account status, balances, and payment history fields are materially misleading, non-compliant with Metro 2 guidelines, and causing harm to my credit profile. Despite my lawful dispute, no reinvestigation was properly conducted. This is willful non-compliance and demands enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-07-03 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
There is a collection agency named The Best Service Company which is about to face my wrath in terms of me taking them to court to sue them. This company has been ignoring my fraud packets, calls, and credit bureau disputes since XXXX of XXXX! Yes sir, almost a full year! I even had to send some certified since many of my disputes went without a response. 

What makes this problem XXXX times worse is that the company they claim they are collecting for has already removed this account from my credit report months ago due to the fraud packet I submitted to them. Yes sir, XXXX XXXX has admitted to me the social didn't match and closed this and removed it from my report. We even called The Best Service company back in XXXX, AND THEY TOLD ME THE SAME THING! Right away an XXXX told me that the social I gave them didn't match their records, but they still won't remove the account from my report. They want me to send more disputes. I've been there and done that. XXXX months ' worth of been there, done that. 

If they don't remove this report from this complaint, then there really is no choice left for me except the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to dispute a late payment showing on my credit report. I have verified through my bank statements and online payment records that the payment was made prior to the deadline. The negative mark appears to be the result of either misreporting or a delay outside of my control.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Im reaching out because I attempted to make an on-time payment to my Destiny Mastercard using XXXX, which Ive successfully used for other Concord Credit XXXX XXXX like my Indigo XXXXXXXX ). However, when entering my XXXX Destiny card number in the account number fieldas Ive done beforeI received an error message stating : Please enter a valid account number. 

After speaking with XXXX, I was told that in similar cases, the issuing institution must provide the correct account number format that their system recognizes. I then contacted Concord Credit/Destiny support but was not given a clear resolution, nor was my account notated to prevent possible late fees or credit damage. 

I am making a good faith effort to pay this account on time, and the lack of internal support or transparency about acceptable payment methods is unacceptableespecially when delays or denials could negatively affect my credit score. 

I am requesting the following : 1. Confirmation of the correct account number or payment ID that XXXX recognizes for Destiny Mastercard accounts.

2. A notation placed on my account that documents this attempt and protects me from late fees or derogatory reporting while the issue is being resolved. 
3. An escalation to the appropriate department who can ensure this doesnt happen again for Destiny cardholders using third-party payment services. 

Please respond with urgency. I am fully prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if I do not receive a resolution that protects my credit and acknowledges my proactive attempt to make a timely payment.

Company response to consumer: Closed with explanation