vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: UT

Complaint narrative:
I'm reaching out because there is incorrect information showing up on my credit report, and it needs to be addressed immediately. Specifically, there are fraudulent accounts that were opened online without my knowledge or consent. I did not authorize them, XXXX not affiliated with them, and I want them removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: AR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: FL

Complaint narrative:
I am filing a complaint regarding an account that was fully settled in XX/XX/year> but continues to appear on my credit reports with negative late payment history. This is causing ongoing damage to my credit profile and has not been corrected despite my prior dispute efforts. 

Account Information : Creditor/Agency Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I paid {$1600.00} to settle this account on XX/XX/year>, and received a formal letter from XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/year> confirming that the account was considered settled in full, with no further monies due and a balance of {$0.00}. I am attaching a copy of this letter to support this claim. 

Despite this, the account is still listed on my credit reports by the major credit bureaus such as Experian, Transunion, and Equifax showing numerous late payments and derogatory marks, even though the debt has been resolved. This is inaccurate and misleading. A settled account should not continue to penalize me with outdated negative payment data once the balance is cleared. 

Furthermore, The XXXX XXXX accounts starting in XXXX are reporting late payments on accounts that were paid in full and closed with a dismissal filed in court. 
I have previously disputed this reporting directly with the credit bureaus, and have not received any response or resolution. 

I respectfully request the CFPBs assistance to : Have the credit bureaus fully remove this account from my credit reports, due to the misleading and outdated negative information, or At a minimum, remove all late payments and derogatory remarks and reflect the account as settled with a {$0.00} balance. 

This continued reporting is unjust and has affected my ability to access fair credit opportunities. I ask that this matter be resolved urgently. 

Sincerely, 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 2025-04-15 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: TX

Complaint narrative:
I REQUESTED THAT XXXX XXXX  XXXX PROVIDE ACCOUNT INFORMATION 1. Payment History 2. Charged-Off Date.

3. Closed Date.

4. Date of Last Activity.

5. Date Account Was Opened.

IM ATTACHING THAT REQUEST LETTER ALSO IM ATTACHING A COPY OF MY CREDIT REPORT SHOWING THESE ACCOUNT IN QUESTION WITH ALL INACCURATE INFORMATION HIGHLIGHTED, SO PLEASE DONT ANSWER THIS DISPUTE VERIFIED CLEARLY YOU WILL BE IN VIOLATION
OF THE FCRA AND FDCPA, AND METRO 2 COMPLIANCE. JUST TAKE THE TIME TO REINVESTIGATION OR REMOVE THE ACCOUNT.ALSO WHATS VERY IMPORTANT IM GIVING YOUR COMPANY A OVERVIEW OF HOW YOU ARE VIOLATING MY CONSUMER RIGHTS FIX IT!

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 2025-04-15 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: TX

Complaint narrative:
I REQUESTED THAT XXXX XXXX  XXXX PROVIDE ACCOUNT INFORMATION 1. Payment History 2. Charged-Off Date.

3. Closed Date.

4. Date of Last Activity.

5. Date Account Was Opened.

IM ATTACHING THAT REQUEST LETTER ALSO IM ATTACHING A COPY OF MY CREDIT REPORT SHOWING THESE ACCOUNT IN QUESTION WITH ALL INACCURATE INFORMATION HIGHLIGHTED, SO PLEASE DONT ANSWER THIS DISPUTE VERIFIED CLEARLY YOU WILL BE IN VIOLATION
OF THE FCRA AND FDCPA, AND METRO 2 COMPLIANCE. JUST TAKE THE TIME TO REINVESTIGATION OR REMOVE THE ACCOUNT.ALSO WHATS VERY IMPORTANT IM GIVING YOUR COMPANY A OVERVIEW OF HOW YOU ARE VIOLATING MY CONSUMER RIGHTS FIX IT!

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 2025-04-15 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: MI

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 - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX  - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$320.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Wrong Identity. The company threatened to report to XXXX credit bureaus an issue that was not me.

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-15 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 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  - {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$25000.00} XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$670.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7800.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} UNAUTHORIZED COLLECTION - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/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 2025-04-15 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally follow up on my initial complaint regarding the accounts listed on my credit report. 

The bureau initially responded to my complaint by removing the XXXX XXXX accounts from my report. However, they have since reinserted these same accounts without providing proper validation. This action is a direct violation of the Fair Credit Reporting Act ( FCRA, specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ), which requires that if an account is reinserted after deletion, the credit bureau must : Notify me within 5 business days, and Certify the account has been verified by the original creditor. 

No such notification or validation was provided. 

Furthermore, these accounts appear inconsistent across the credit bureaus, which is a red flag for potential fictitious or unverifiable reporting. Experian, for example, has permanently removed these accounts due to failure to validate, after I submitted a police report and affidavit confirming I am a documented victim of identity theft and fraud. 

At the time these fraudulent accounts were allegedly opened, I had a credit freeze and active fraud alert on file. Any applications should have triggered identity verification steps, including contact with me directly none of which occurred. This confirms that the accounts were opened without my authorization and proper validation. 

They added the accounts back to my report without seeking validation requesting the Original Note, Wet Signature and Copies of the IDENTIFICATION used to VALIDATE the accounts. Anyone can provide a name, date of birth and social when stealing your identifications. They did not provide information that the details were certified or validated. 


Supporting Documentation attached Copy of my 3-bureau credit report, showing inconsistent reporting ( dates, status, amounts, to name a few ). These discrepancies proves errors are evident and should be permanently removed. Some of the dates for one of the reporting agencies also prove that they are outside of the statute of limitations for the state. They have not done their due diligence and validated these accounts. 

Police report affirming identity theft and fraud, already submitted in the previous complaint. 

Evidence that Experian removed these accounts based on failure to validate can be provided by looking at the 3 account report attached. 

The agency has already had up to 60 days to review these accounts and provide certifiable validation. I am seeking for immediate resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Woodstone Ct, XXXX, GA, XXXX XXXX XXXX Ct, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Ct, XXXX, XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$16000.00} Charge Off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Included in Bankruptcy XXXX XXXX - XXXXXXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$30000.00} Included in XXXX XXXX XXXXXXXX BANK Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Included in Bankruptcy Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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