vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-05-12 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: LA

Complaint narrative:
XXXX XXXX, pursuant to their rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. We are formally requesting that you provide the method of verification ( MOV ) for the following disputed information appearing in our clients consumer report : Account Name : DEPT OF EDXXXX Account Number : XXXX {$6400.00} Account Name DEPT OF ED/XXXX  {$6400.00} Account XXXX Account Name : DEPT OF ED/XXXX {$3900.00} Account XXXX Account Name : DEPT OF ED/XXXX {$3600.00} Account Number XXXX Account Name : DEPT OF EDXXXX {$2900.00} Account XXXX Account Name XXXX XXXX {$320.00} Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : DEPT OF ED/XXXX  {$1200.00} Account XXXX Account Name : DEPT OF ED/XXXX {$2000.00} Account XXXX Account Name : DEPT OF EDXXXX {$6200.00} Account Number : XXXX Account Name : DEPT OF ED/XXXX {$2300.00} Account XXXX Account Name : DEPT OF EDXXXX  {$6500.00} Account XXXX Account Name : DEPT OF ED/XXXX  {$3600.00} Account XXXX Account Name : DEPT OF EDXXXX {$1000.00} Account XXXX Account Name : DEPT OF ED/XXXX {$2600.00} Account Number : XXXX Account Name : DEPT OF EDXXXX  {$1300.00} Account Number : XXXX Account Name : DEPT OF ED/XXXX {$1700.00} Account XXXX Account Name : DEPT OF ED/XXXX {$3000.00} Account Number : XXXX Account Name : DEPT OF ED/XXXX {$3900.00} Account Number : XXXX Account Name : DEPT OF ED/XXXX {$7600.00} Account Number : XXXX Account Name : DEPT OF ED/XXXX {$4900.00} Account Number : XXXX Account Name : DEPT OF ED/XXXX {$1900.00} Account XXXX Account Name : DEPT OF EDXXXX {$2900.00} Account XXXX Account Name : XXXX XXXX XXXX {$3600.00} Account XXXX Account Name : XXXX XXXX XXXX {$20.00} Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : # XXXX * XXXX Bankruptcy Case ( dismissed ) * Request for Method of Verification ( MOV ) Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), a consumer has the right to request a description of the procedure used to verify the accuracy of disputed information. Please provide the following : 1. The name, title, and contact information of the individual ( s ) who conducted the verification.

2. The specific steps taken to verify the disputed information.

3. The type of documentation relied upon to confirm the accuracy of the account.

4. Whether the verification was conducted manually or through an automated system.

5. If an automated system was used, provide details of the parameters or data used to confirm accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-12 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : DEPTEDXXXX Account # : XXXX DEPTEDXXXX Account # : XXXX DEPTEDXXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX. Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XX/XX/year> Equifax 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Concern Regarding Unprofessional Behavior at XXXX XXXX, XXXX XXXX Dear Bank of America Customer Service, I hope this message finds you well. My family and I are new XXXX to the United States, and we are still learning how things work hereespecially with regard to banking procedures. On XX/XX/year>, between XXXX and XXXX XXXX, my mother and I visited your XXXX XXXX, XXXX branch for the very first time. 

As it was our first visit, we were unsure about where to go or who to speak with for assistance. My mother, who is still working on improving her XXXX skills, approached a staff member named XXXX to ask for help. Instead of offering guidance or directing us to the right place, XXXX raised her voice at my mother and said, You should move forward and ask them, I dont know about this. 

This interaction was public and humiliating, and it left my mother feeling upset and embarrassed, especially as other customers in line turned around to look after hearing the exchange. It was a distressing experience for both of us, and not what we expected from a customer service representative, especially at a reputable institution like Bank of America. 

We understand that customer service staff are busy, but a basic level of courtesy and supportespecially towards new clients or those with language barriersgoes a long way. We came seeking help and guidance, but left feeling disrespected and discouraged. 

This experience has made us question whether we feel comfortable banking at this branch again. I am submitting this message with the hope that appropriate action is taken to ensure that no other customerparticularly someone who may already be vulnerable or unfamiliar with the systemis treated this way in the future.

Thank you for taking the time to review this concern. We appreciate your attention and look forward to your response. 
Thank 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 explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

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 2025-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXP -- -- Unauthorized Inquiry REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-05-12 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: AL

Complaint narrative:
Experian Refuses to Remove Obsolete Collection Account. 

I am submitting this complaint because Experian has failed to remove a chargeoff account from my credit report that is obsolete and past the 7-year reporting limit, as defined under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( a ) ( 4 ).

I previously disputed this account, and Experian responded stating the item was updated. However, Experian has not provided a Method of Verification ( MOV ) as required under FCRA 611 ( a ) ( 7 ). I am requesting : 1. A detailed description of how Experian verified this obsolete debt 2. The name and contact information of the entity that verified the account 3. Removal of the account if it can not be legally reported past 7 years from the date of first delinquency Experian is knowingly reporting inaccurate and outdated information that negatively affects my credit profile. 

Account Details : Creditor/Collection Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a copy of my credit report and dispute records. I am requesting the CFPB investigate this matter and ensure Experian complies with the FCRA. & I can reassure this account has been re-aged. That is why I am demanding verification within XXXX days or permanent 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 2025-05-12 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-12 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
They are fraudulently reporting on loan and through deceptive practices not reporting on add on involuntary job loss insurance that was included along with extended warranty for vehicle.

I have requested multiple times for documentation. Never got 1099 ( b ) ( c ) for discharge or purchase agreement, assignment or even the opertunity to resume payments for pay period being 2 days after payment was due. They were notified of this timing issue. When called they said that they were going to discharge it through insurance policy i punched with loan and I would be getting records for my taxes. Never received any documentation promised. I disputed countless times and they said they would correct documentation and remove charge off claim on credit report.

Now I have a writ of continuing Garnishment & I was never served any documentation summons or anything. I was informed by employer that a letter was dropped of by a random walk in with out any postage or signature required for delivery. Informing him of a {$10000.00} Garnishment to send checks to mountain peak law group just a brief description of who i was with out my ssn # or even address... 
This is insurance fraud, tax fraud and has ruined my credit sence XXXX  when supposedly was written off.and there saying will remain on credit report tell XXXX. I made payments for 13 months and they falsely report any payments were made. I don't know what else I can due. I've submitted stolen identity report with XXXX XXXX  and credit Bureaus. But no remedy has XXXX made. I'm working minimal wage & was supposed to be leaving for XXXX training but I need to save for XXXX months of unemployment tell after orientation. NOW I can barely eat provide for my dog... I'm going to see about Getting IRS involved and having a audit done.

Company response to consumer: Closed with explanation