vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Credit Report Entries Confirmation # XXXX To Whom It May Concern, I am writing to formally dispute certain information in my credit file. I obtained a copy of my credit report from Equifax dated XX/XX/XXXX, and have identified inaccurate and/or outdated items that require correction or removal under the Fair Credit Reporting Act ( FCRA ). 

1. * XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Acct # XXXX ) Issue : This account is listed as a charge-off with a balance of {$600.00}. 
Dispute : I am requesting validation of this debt, including a full payment history and documentation of the charge-off. If documentation can not be provided, I request immediate deletion of this account from my credit file. 

2. * XXXX XXXX XXXX XXXX ( Acct # XXXX ) Issue : This account appears as a joint account charge-off with a balance of {$450.00} and no recent activity since XXXX. 
Dispute : This account is outdated and beyond the 7-year reporting window under FCRA. Please remove it from my credit report. 

3. * * XXXX XXXX XXXX ( Accounts # * XXXX, # XXXX, # XXXX ) Issue : These are debt buyer accounts listed in collections. 
Dispute : I request validation and proof that these debts are legally owed by me and were reported correctly. If not, please remove them from my file. 

4. * XXXX XXXXXXXX XXXX  ( Acct # XXXX ) Issue : This account shows a charge-off with a high balance and continued reporting well past its last payment in XX/XX/XXXX. 
Dispute : Please review this account for accuracy, update the balance if payments were made, or remove if it can not be verified. 

I am including a copy of my credit report with the disputed items highlighted for your reference. Please investigate these items and remove or correct the information as required. I ask that you complete this investigation within 30 days and provide me with a written statement of the results. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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: MD

Complaint narrative:
I am filing this complaint because TransUnion is reporting a fraudulent and unverifiable public record labeled " XXXX XXXX '' on my credit report. I submitted a proper identity theft block request under FCRA 605B, including my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address. 

Despite meeting the legal requirements, TransUnion refused to block the item within the XXXX window required by law. They cited irrelevant reasons, such as a prior dispute or payment history, which are not valid exceptions under 605B. 

Additionally, I requested a Method of Verification under FCRA 611, asking how this item was verified. To date, TransUnion has failed to provide the name of the furnisher, verification documents, or details of the verification process, which is a violation of the law.

This item is not mine, was never authorized, and has caused significant harm. TransUnion is in clear violation of FCRA 605B ( fraud block ) and FCRA 611 ( verification process ). I am requesting immediate CFPB intervention to require TransUnion to delete the unverifiable and fraudulent item from my credit file.

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 2025-06-09 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:
b'I am reaching out regarding fraudulent items on my credit report. I appreciate the successful removal of some items, especially those identified by Equifax, Experian and TransUnion. However, Ive noticed that certain fraudulent entries are still present on my reports with Equifax, Experian and TransUnion. I would greatly appreciate your help in promptly removing the remaining fraudulent items listed below:\nXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX\nXXXX XXXX  Balance Owed: XXXX\nXXXX XXXX XXXX XXXX Balance Owed: XXXX\nXXXX XXXX XXXX XXXX Balance Owed: XXXX\nXXXX XXXX XXXX Balance Owed: XXXX\nXXXX XXXX  Balance Owed: XXXX\nXXXX XXXX XXXX XXXX XXXX  Balance Owed: XXXX\nXXXX XXXX XXXX Balance Owed: XXXX\nXXXX XXXX  Balance Owed: XXXX\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-09 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 ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-06-09 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 ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
XXXX has stolen my money they refuse to release my XXXX dollars to me. 

I want this documented that XXXX XXXX in XXXX XXXX Texas on XXXX XXXX XXXX XXXX has purposely withheld and stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-06-09 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: TN

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 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 2025-06-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: WI

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-09 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: WI

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-06-09 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is do not refute my complaint by stating that I XXXX XXXX iled this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
recently reviewed my credit report and identified multiple unauthorized hard inquiries that I did not initiate, approve, or grant permissible purpose for under the Fair Credit Reporting Act ( FCRA ). These inquiries occurred without my knowledge or consent and were not associated with any application I submitted for credit, insurance, employment, or any other legally permissible reason.

According to Section 604 of the FCRA, a credit reporting agency may only provide my credit file in connection with a firm offer of credit or insurance, employment purposes, or another permissible reason as defined by law. These entities had no legitimate business need to access my credit report at the time the inquiries were made, and I did not have any prior relationship with them.

This constitutes a clear violation of my consumer rights and privacy under federal law. These inquiries are negatively impacting my credit profile and must be immediately removed to prevent further damage to my score and reputation.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
LVNV FUNDING LLC WAS OPENED XX/XX/year> IS NOT MY DEBT I HAVE NO KNOWLAGE OF THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 am writing to formally request that your agency provide a detailed explanation of the procedures used to verify the accuracy and completeness of the information currently under dispute, as required by 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Pursuant to this provision, I am entitled to receive a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please ensure this information is provided within 15 days of receipt of this request, as mandated by 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 non-monetary relief
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
b'I was a victim of identity theft, and this is another request\nto remove the information from my credit file resulting from\nalleged identity theft. Per FCRA  605B (15 U.S.C.  1681c-2)\nCREDIT BUREAUS are required to remove any items not later\nthan 4 business days after receipt. Also, the information\nprovided on some items is UNKNOWN to me and REMOVED\nfrom other bureaus, and I have doubts about their accuracy.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-09 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: MO

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-06-09 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is do not refute my complaint by stating that I XXXX XXXX iled this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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