vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am filing a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) 611, regarding their failure to verify and properly handle a dispute I submitted for a rental collection account. 

The disputed account is : XXXX XXXX XXXX, account ending in XXXX Dispute submitted : XX/XX/year> Timeline of Events : XX/XX/year> : I spoke with an Equifax agent named XXXX, who acknowledged the dispute and told me the account would be removed. However, she was unable to complete the process due to a system failure and told me to call back. 
XX/XX/year> : I called again and spoke with XXXX XXXX ( XXXX ID : XXXX ), who provided call reference number XXXX. He stated the account was verified on XX/XX/XXXX, just 6 days after the dispute was submitted and refused to provide the supporting documentation or method of verification. Despite saying the account was verified, it is still showing as under investigation on my report. 
Later that same day, I called again and spoke with supervisor XXXX ( XXXX ID : XXXX ) regarding the accuracy of the information being reported. She provided call reference number XXXX. During this call, I asked for the method of verification and cited that under the FCRA, Equifax is legally required to provide this information. XXXX stated that Equifax does not have to follow that law a blatant violation and admission of noncompliance with federal consumer protection law.

Legal Grounds : Equifax has violated multiple provisions of the Fair Credit Reporting Act, including but not limited to : FCRA 611 ( 15 U.S.C. 1681i ) Requiring verified reinvestigation or removal of disputed items within 30 days. 
FCRA 609 ( a ) ( 1 ) ( A ) Requiring that a credit bureau provide the source and method of verification upon written request.

Continued furnishing and reporting of disputed and unverifiable information in bad faith.

Requested Resolution : I am requesting that : The XXXX XXXX XXXX account be immediately removed from my Equifax credit report. 
The CFPB investigate Equifaxs refusal to follow federal law and failure to provide required verification.

Equifax be held accountable for misrepresenting consumers ' rights and allowing employees to state they are not required to follow the FCRA.

I have employee names, dates, call reference numbers, and notes documenting each conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 is now my follow-up dispute regarding the unresolved and inaccurate negative accounts that remain on my credit report. I am extremely disappointed by your ongoing failure to address these errors, and I must ask : How many times do I need to raise this with you before you take appropriate action?

Your continued inaction is not only unacceptableit is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 616 Civil Liability for Willful Noncompliance FCRA 617 Civil Liability for Negligent Noncompliance

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 2025-06-22 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I requested a credit limit increase on XX/XX/year>, through ( Bread Financial ) Comenitys XXXX XXXX interface. The language did not clearly indicate that a hard inquiry would be performed. It only vaguely referenced possible access to my credit report without specifying the type of inquiry or the potential credit score impact. I did not knowingly consent to a hard pull, which now shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXXXXXX, and XXXX willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Over a period spanning several years, I submitted formal credit reporting disputes to both credit bureaus and data furnishers regarding inaccurate student loan information, including accounts that were reaged, incorrectly reported as delinquent, or failed to reflect XXXX obligations. Despite multiple disputes in XXXX and XXXX, these entities did not conduct reasonable investigations, and in many cases, ignored or improperly verified the erroneous information. I have filed a federal civil case in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) under the FCRA against these entities. During discovery, some defendants delayed production of internal documents and depositions, undermining my ability to obtain timely evidence before the close of fact discovery. The defendants also cooperatively engaged in backdating forbearance approvals to wipe out any repayment history and DOFD with the original creditor, XXXX, as well as fabricating documentation. I have direct evidence. I believe their actions constitute a systemic disregard for FCRA obligations and harm not only to me, but to many other consumers similarly affected as it relates to reaging student loan accounts and reporting adverse information beyond the permissible XXXX year reporting period under the FCRA. The inaccurate reporting caused me significant financial and emotional harm, including higher interest rates on auto loans and the denial of mortgage loans. I request that the CFPB investigate these institutions systemic failure to comply with the FCRAs dispute and reinvestigation requirements and impose regulatory or enforcement action if appropriate. The actions by the defendants named in my case are willful and egregious and likely affects millions of similarly situated student loan borrowers who need to be informed of how to protect themselves and understand how the defendants ' intentional and systemic method/manner of reaging account information is conducted. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX  ) has refused to produce any information that informs the plaintiff as to what legal capacity they are operating under because they claim they are not a collection agency. Yet, they've appeared on the plaintiff 's credit reports as an " agent '' of the Michigan Guaranty Agency transmitting adverse/collection loan information on a monthly basis.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 

I sent a letter to TransUnion notifying them of the reinsertion of XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting a lengthy amount of days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnions actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection 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 non-monetary relief
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am a victim of identity theft and submitted a formal block request under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ) to the credit reporting agency. I included all required documentation : A valid government-issued photo ID Proof of address A legally valid identity theft report as defined by the FCRA Despite fulfilling these requirements, the credit bureau has failed to block the fraudulent accounts and inquiries from my credit report. More than four ( 4 ) business days have passed, which is the maximum time allowed by law to complete the blocking process once proper documentation is received. 

This inaction is a clear violation of my rights under the FCRA, and the continued reporting of this fraudulent information is causing ongoing harm to my credit, emotional stress, and financial hardship. I am requesting immediate CFPB intervention to enforce compliance and to ensure the permanent removal of these unauthorized accounts and inquiries from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8200.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} Opened : XX/XX/XXXX These accounts were fraudulently opened in my name without my authorization and are being reported inaccurately. I am requesting that these be blocked under FCRA Section 605B.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last Year .. XXXXXXXX XXXX XXXX in Attempting to refinaince my house. My Credit Can not be pulled from Experian Credit Report., The Last credit report I could pull from this company is dated " XX/XX/year>. I have Pull Free Credit reports from the XXXX  and XXXX. and All the Mortgage Lending companies have Pull reports from XXXX XXXX XXXX  without any issues. I tried Calling and reaching out to Experian.I have no success. No live Persons are reachable. I Can not Apply For any Credit With Experian Not Able To generated A report for Me. i need This To be Fixed. I can not not Contact Anybody, or persons from this company to fix there In-accurrated Info On My Name, and on my address i Lived At for the Last 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 2025-06-22 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:
No response from the credit bureau regarding an XXXX reported accounts I had requested in writing to have them investigate. The company 's name is " XXXX '' reported as a collection account with a balance of {$230.00}. The second one is a collection agency under the name of " XXXX XXXX '' reporting {$770.00} in collections.

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 2025-06-22 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: CA

Complaint narrative:
No response from the credit bureau regarding an XXXX reported accounts I had requested in writing to have them investigate. The company 's name is " XXXX '' reported as a collection account with a balance of {$230.00}. The second one is a collection agency under the name of " XXXX XXXX '' reporting {$770.00} in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I initiated a money transfer to XXXX on XX/XX/XXXX through XXXX. Generally it takes about XXXX  days to complete. This time around it showed delivered but the amount wasn't received in XXXX when I called the bank in XXXX to inquire. I then called the third party to see what was happening. They were asking me all the questions because I wasn't able to make the payment and they were the ones who manually entered the details in the first place. But they made the mistake of sending it to the wrong bank. They had to get it to XXXX XXXX  XXXX XXXX rather sent it to XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXX has been merged with XXXX other banks to become XXXX XXXX XXXX. It is no longer a bank. And the bank account number is unique. I had provided my details and without verification they sent it to the wrong account in another bank. The amount is pretty hefty. I spoke with Remitly and they are saying they wouldn't guarantee a money back but will try their best and give me a response in XXXX hours. It's been more than XXXX business days and I am concerned because it is the money I am sending for loan repayment. Also, I am concerned that the wrong account holder might use my amount and I wouldn't get anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume, that no proof of the alleged debt, nor therefore any such debt, in fact exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of An account opened with XXXX XXXX, filed on XX/XX/XXXX, An account opened with XXXX XXXX, filed on XX/XX/XXXX an account opened with XXXX XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX  filed on XX/XX/XXXX, an account opened with XXXX filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX NA, filed on XX/XX/XXXX, an account opened with XXXX XXXX XXXX filed on XX/XX/XXXX, ( XXXX ) loan accounts opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened with XXXX  on XX/XX/XXXX, account number XXXX XXXX XXXX XXXX XXXX, a credit card account XXXX with XXXX XXXX  on XX/XX/XXXX account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXX XXXX XXXX A on XX/XX/XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, and a loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-22 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: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of An account opened with XXXX XXXX, filed on XX/XX/XXXX, An account opened with XXXX XXXX, filed on XX/XX/XXXX an account opened with XXXX XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX  filed on XX/XX/XXXX, an account opened with XXXX filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX NA, filed on XX/XX/XXXX, an account opened with XXXX XXXX XXXX filed on XX/XX/XXXX, ( XXXX ) loan accounts opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened with XXXX  on XX/XX/XXXX, account number XXXX XXXX XXXX XXXX XXXX, a credit card account XXXX with XXXX XXXX  on XX/XX/XXXX account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXX XXXX XXXX A on XX/XX/XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, and a loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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