vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to file a formal complaint and request immediate assistance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and unverifiable information being reported on my credit report. Despite prior disputes submitted directly to the credit bureaus ( Experian, TransUnion, and Equifax ), I have not received a meaningful resolution or a proper investigation as required by law.

Under 15 U.S.C. 1681i, credit reporting agencies are legally obligated to conduct a reasonable investigation upon receiving notice of a dispute. However, they have failed to : Remove or correct the inaccurate and/or unverifiable accounts.

Provide adequate documentation proving the validity of the reported information.

Respond in a timely and complete manner regarding the outcome of the investigation.

Additionally, under 15 U.S.C. 1681g, I have a right to receive all information in my file, including the sources of the disputed data. To date, I have not been provided with any such evidence.

These continued violations harm my creditworthiness and financial opportunities, and they are in direct contradiction to the rights afforded to me under federal law. I am now requesting that the Consumer Financial Protection Bureau intervene to ensure that : A full and lawful reinvestigation is conducted ; All unverifiable or inaccurate information is permanently removed ; Documentation regarding the source and investigation results are provided to me ; Enforcement action is considered against any non-compliant credit reporting agency.

Attached are copies of prior dispute letters, proof of identity, and supporting documentation. 



Please take immediate action to ensure my rights under the FCRA are upheld. I expect a full investigation into this matter and a written resolution within the timeline specified by federal law. 



Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CT

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 XXXX XXXX XXXX do not refute my complaint by stating that I filed 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
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Experian, under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within XXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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 2025-06-20 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Credit Reporting and Inadequate Reinvestigation Violation of FCRA 1681i ( 7 ) and 1681e ( b ) I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on my own behalf as a natural person. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request transparency and accountability regarding the reinvestigation process performed by the consumer reporting agency concerning several inaccurate and disputed items on my credit report. 

Under 15 U.S.C. 1681i ( 7 ), I am entitled to receive a detailed description of the reinvestigation procedure used to verify the disputed information. This includes : The name, address, and telephone number ( if available ) of each furnisher contacted The name of the person who verified the information The documentation or records used to validate the disputed items Despite my previous dispute submission, I have not received any such explanation or supporting evidence. I am now requesting the full details used to verify the following disputed items : Disputed Accounts and Personal Information : Bankruptcy XXXX XXXX Creditor : BankruptcyXXXX Case Number : XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Personal Information Previous XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX  Account Number : 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 2025-06-20 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-06-20 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: MS

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 Experian, XXXX 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 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I was first contacted by MRS BPO LLC on XX/XX/XXXX via text message. Since then, I have received multiple texts and calls from them, which I found overwhelming and annoying. I deleted some of the earlier messages because of this. 

To stop receiving text messages, I sent a text asking them to stop contacting me via text, believing I was texting a real person. Later, I realized the messages were automated, so I sent the request again. 

After my second message, they responded with this automatic message : " Your phone number can't be located ; please call XXXX ( XXXX ) XXXX. This text is from MRS BPO LLC, a debt collector. '' I am requesting that they stop texting me because the constant messages are stressful and overwhelming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MA

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 but this is so unprofessional. My name is XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The following students loan providers are reporting my Student loans as c current but refuse to update the loans completely allowing my credit report to show 120 days past due. I have requested multiple time for them to make the loans current. They state they will do it and never complete the request. Now its caused by credit score to drop XXXX Nel net Sloans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am a verified victim of identity theft and human trafficking. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I submitted a formal request to Equifax to block unauthorized and fraudulent information from my credit file, including multiple hard inquiries. My submission included the required documentation : A valid Identity Theft Report filed through the FTC, A local police report, and A statement identifying specific fraudulent information. 

Despite receiving this documentation, Equifax issued a dispute resolution response dated XX/XX/XXXX, under Confirmation # XXXX, stating that the disputed inquiries would remain because they are a factual record of file access. 

This response violates FCRA 605B ( a ), which mandates that consumer reporting agencies must block any information the consumer identifies as the result of identity theft within 4 business days of receiving proper documentation. There is no exception in the statute for inquiries. The term " any information '' includes inquiries resulting from unauthorized or fraudulent access to a consumer file. 

DISPUTED INQUIRIES RESULTING FROM IDENTITY THEFT : The following unauthorized inquiries were explicitly disputed and identified as fraudulent : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Credit Human FCU Direct Inquiry Date : XX/XX/XXXX These inquiries were not authorized by me and were made as a result of identity theft. I requested that they be permanently blocked from my credit file as required by law. Equifax failed to do so.

REQUEST FOR PROCEDURAL DETAILS ( FCRA 611 ) Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ], I am formally requesting : A detailed description of the reinvestigation process Equifax used to evaluate my dispute ; The business name, address, and phone number ( if reasonably available ) of any entity Equifax contacted during its reinvestigation ; A statement clarifying whether a data furnisher was involved at all since inquiries typically lack a furnisher. 

If no furnisher exists and Equifax relied solely on internal policy to justify the continued reporting of inquiries after receiving proper identity theft documentation, that would constitute a procedural violation of 605B and a substantive failure to block information mandated by statute. 

SUPPORTING DOCUMENTATION PREVIOUSLY SUBMITTED TO EQUIFAX FTC Identity Theft Affidavit Police Report Written Statement identifying the disputed inquiries Original dispute request under 605B Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
Please see attachments. 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

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 2025-06-20 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: MA

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 but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and 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 2025-06-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Credit Reporting and Inadequate Reinvestigation Violation of FCRA 1681i ( 7 ) and 1681e ( b ) I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on my own behalf as a natural person. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request transparency and accountability regarding the reinvestigation process performed by the consumer reporting agency concerning several inaccurate and disputed items on my credit report. 

Under 15 U.S.C. 1681i ( 7 ), I am entitled to receive a detailed description of the reinvestigation procedure used to verify the disputed information. This includes : The name, address, and telephone number ( if available ) of each furnisher contacted The name of the person who verified the information The documentation or records used to validate the disputed items Despite my previous dispute submission, I have not received any such explanation or supporting evidence. I am now requesting the full details used to verify the following disputed items : Disputed Accounts and Personal Information : Bankruptcy XXXX XXXX Creditor : BankruptcyXXXX Case Number : XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Personal Information Previous XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX  Account Number : 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