vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under the provisions of 15 USC 1681-I ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : List any specific inaccuracies, such as incorrect account balances, incorrect payment history, outdated information, etc. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ) which requires the accurate reporting of consumer information. 

I am requesting that you investigate these discrepancies and provide me with a written explanation of the results of your investigation in accordance with the FCRA guidelines. I also request the removal of the inaccurate information from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. Thank you for your cooperation. 

Sincerely, 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 2025-10-01 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-01 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: NY

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 2025-10-01 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: NY

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 2025-10-01 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CT

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I notified cash net USA that I would like to decline any future automatic payments from my checking account. I notified them by email and received a response that they will no longer run any automatic payments through my account, but today they ran an automatic payment through my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I deposited a check of {$1200.00} into my bank account. I earned that check from an internship. About XXXX weeks later when I logged back into the Capital One app, it said that my funds were unavailable for withdrawal and to call the phone number provided. I called the number and the employee to me that my account was locked because of " suspicious activity '' and that they had to conduct an investigation. After a few minutes of back and forth the employee told me that they would be shutting down my bank account and that I wouldn't be allowed to set up another account with them ever again. I was told that the remainder of my funds would be sent in the mail by check in XXXX business days, but nothing came in the mail for nearly a month. I called Capital One just to know when I would be getting the rest of my money only to be told that my account was still under investigation and that it was not deleted. When asked how long the investigation would take, I was told that they couldn't give me a timeline, even after XXXX full months of withholding my funds from me. The incompetence of Capital One has left me completely broke and financially dependent on my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under the provisions of 15 USC 1681-I ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : List any specific inaccuracies, such as incorrect account balances, incorrect payment history, outdated information, etc. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ) which requires the accurate reporting of consumer information.

I am requesting that you investigate these discrepancies and provide me with a written explanation of the results of your investigation in accordance with the FCRA guidelines. I also request the removal of the inaccurate information from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under the provisions of 15 USC 1681-I ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : List any specific inaccuracies, such as incorrect account balances, incorrect payment history, outdated information, etc. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ) which requires the accurate reporting of consumer information.

I am requesting that you investigate these discrepancies and provide me with a written explanation of the results of your investigation in accordance with the FCRA guidelines. I also request the removal of the inaccurate information from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. Thank you for your cooperation. 

Sincerely, 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 2025-10-01 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: MI

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, TransUnion, and XXXX XXXX for reporting fraudulent and inaccurate information on my credit reports and failing to correct it after disputes. 

There are over XXXX hard inquiries on my credit reports that I did not apply for or authorize. These were obtained without my permission and violate FCRA 604 ( 15 U.S.C. 1681b ), which requires a permissible purpose for any inquiry. I never gave consent to any of these companies, and the bureaus have not removed them despite being notified. 

There is also a XXXX XXXX collection account reporting to all three bureaus that I never opened, never authorized, and have no knowledge of. I have never received a bill, contract, or agreement for this account. This is identity theft or mixed-file reporting. 

In addition, there is a bankruptcy showing on my credit report that I never filed in any court. I have never gone through bankruptcy proceedings, and this is entirely inaccurate and damaging. 

I formally disputed all of these items with Equifax, Experian, and TransUnion, but they failed to properly investigate or remove them. This violates FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), identity theftrelated accounts and inquiries must be blocked after dispute, but the credit bureaus have not complied. 

These wrongful reports have caused me financial harm, credit denials, and emotional distress. Their failure to correct the fraudulent information demonstrates willful noncompliance with the FCRA and FACTA.

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 2025-10-01 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX 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 2025-10-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
RECEIVABLE MANAGEMENT- is falsely reporting on my credit. I have never had any accounts with them. Per my research RECEIVABLE MANAGEMENT-is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-01 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: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief