vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NC

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 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 2025-08-13 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: NC

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 explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
b'Consumer Complaint Statement XXXX XXXXAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXnDOB: XXXXEmail: XXXXI am filing this complaint against Experian, Equifax, and TransUnion for their failure to comply with the Fair Credit Reporting Act (FCRA) in handling my disputes.\n\nOn XXXX XXXX XXXX  I disputed several inaccurate accounts and unauthorized inquiries on my credit reports. All three credit bureaus responded claiming the disputed items were verified. However, under 15 U.S.C.  1681i(a)(7), they are required to provide me with the specific method of verification used to confirm the accuracy of the disputed information. To date, none of the bureaus have provided this information.\n\nDisputed Accounts:XXXX XXXX XXXX Acct XXXX  Date Opened: XXXX XXXX XXXX   Acct #XXXX  Date OpenedXXXX XXXX XXXX  Acct XXXX   Date OpenedXXXX XXXX XXXX  Acct #XXXX  Date Opened: XXXX  Acct #XXXX   Date Opened: XXXX  Acct XXXX   Date Opened: XXXXUnauthorized Inquiries:XXXX XXXX  Date: XXXX XXXX   Date: XXXX  Date: XXXXUnder the FCRA, I have the right to:\n\nReceive a description of the exact procedures used to verify the information.\n\nKnow the name, contact information, and title of the person(s) or entity contacted for verification.\n\nReceive copies of any documents relied upon in the verification process.\n\nBy refusing to provide this information and continuing to report these accounts, the credit bureaus are in violation of 15 U.S.C.  1681e(b) (requiring maximum possible accuracy) and 15 U.S.C.  1681i(a)(5) (requiring deletion or correction of unverifiable 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 explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
b'Consumer Complaint Statement XXXX XXXXAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXnDOB: XXXXEmail: XXXXI am filing this complaint against Experian, Equifax, and TransUnion for their failure to comply with the Fair Credit Reporting Act (FCRA) in handling my disputes.\n\nOn XXXX XXXX XXXX  I disputed several inaccurate accounts and unauthorized inquiries on my credit reports. All three credit bureaus responded claiming the disputed items were verified. However, under 15 U.S.C.  1681i(a)(7), they are required to provide me with the specific method of verification used to confirm the accuracy of the disputed information. To date, none of the bureaus have provided this information.\n\nDisputed Accounts:XXXX XXXX XXXX Acct XXXX  Date Opened: XXXX XXXX XXXX   Acct #XXXX  Date OpenedXXXX XXXX XXXX  Acct XXXX   Date OpenedXXXX XXXX XXXX  Acct #XXXX  Date Opened: XXXX  Acct #XXXX   Date Opened: XXXX  Acct XXXX   Date Opened: XXXXUnauthorized Inquiries:XXXX XXXX  Date: XXXX XXXX   Date: XXXX  Date: XXXXUnder the FCRA, I have the right to:\n\nReceive a description of the exact procedures used to verify the information.\n\nKnow the name, contact information, and title of the person(s) or entity contacted for verification.\n\nReceive copies of any documents relied upon in the verification process.\n\nBy refusing to provide this information and continuing to report these accounts, the credit bureaus are in violation of 15 U.S.C.  1681e(b) (requiring maximum possible accuracy) and 15 U.S.C.  1681i(a)(5) (requiring deletion or correction of unverifiable 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 2025-08-13 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported hard inquiries on my credit file that I did not initiate or authorize. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is related to a firm offer of credit.

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these inquiries without proof of a permissible purpose or documented consentsuch as my signed authorizationis unlawful and must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
Transunion removed a bankruptcy from my credit report between XX/XX/year> & XX/XX/year>. Then the bankruptcy was reinstated between XX/XX/year> & XX/XX/year>. I WAS NOT given the 5 day notice required by law under the FCRA for the reinsertion. I filed a dispute with Transuniom, but they closed the dispute without acknowledging the issue or the broken 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 2025-08-13 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$210.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-13 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Demand for Deletion Charge-Off Reporting Account type : Time share Dear Experian, This letter serves as a formal dispute of inaccurate and unverifiable information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the reporting of a charge-off by [ Creditor Name ] on the account referenced above is inaccurate, incomplete, and damaging to my creditworthiness. 

Item in Dispute : Account name XXXX XXXX Account Number : begin XXXX Status : Charge-off Date Reported : [ XX/XX/XXXX ] Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I demand that you conduct a thorough reinvestigation of this account and provide written proof that the information is accurate, complete, and verifiable. This includes, but is not limited to : XXXX. The original signed agreement or contract bearing my signature. 


XXXX. A complete payment history on the account from the original creditor. 


XXXX. The date of first delinquency and evidence it was reported correctly. 


XXXX. Proof that the alleged debt was legally charged off in compliance with applicable federal and state laws. 



If you are unable to obtain complete, verifiable documentation from the furnisher within 30 days as required by the FCRA, you must delete the account from my file immediately and send me an updated copy of my credit report.

Be advised that under FCRA 623 and FCRA 607 ( b ), any party reporting information to your bureau is required to report only accurate and complete data. Failure to remove unverified or inaccurate information after my dispute will constitute willful noncompliance and may result in legal action, statutory damages under FCRA 616 and 617, and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 

This dispute is made in good faith, and I expect full compliance with federal law. If you continue to report this item without proper verification, I will consider it a knowing and willful violation of my rights under the FCRA.

Please respond within the 30-day period mandated by law and send all correspondence to my address listed above. 

Sincerely, 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 2025-08-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Demand for Deletion Charge-Off Reporting Account type : Time share Dear Experian, This letter serves as a formal dispute of inaccurate and unverifiable information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the reporting of a charge-off by [ Creditor Name ] on the account referenced above is inaccurate, incomplete, and damaging to my creditworthiness. 

Item in Dispute : Account name XXXX XXXX Account Number : begin XXXX Status : Charge-off Date Reported : [ XX/XX/XXXX ] Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I demand that you conduct a thorough reinvestigation of this account and provide written proof that the information is accurate, complete, and verifiable. This includes, but is not limited to : XXXX. The original signed agreement or contract bearing my signature. 


XXXX. A complete payment history on the account from the original creditor. 


XXXX. The date of first delinquency and evidence it was reported correctly. 


XXXX. Proof that the alleged debt was legally charged off in compliance with applicable federal and state laws. 



If you are unable to obtain complete, verifiable documentation from the furnisher within 30 days as required by the FCRA, you must delete the account from my file immediately and send me an updated copy of my credit report.

Be advised that under FCRA 623 and FCRA 607 ( b ), any party reporting information to your bureau is required to report only accurate and complete data. Failure to remove unverified or inaccurate information after my dispute will constitute willful noncompliance and may result in legal action, statutory damages under FCRA 616 and 617, and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 

This dispute is made in good faith, and I expect full compliance with federal law. If you continue to report this item without proper verification, I will consider it a knowing and willful violation of my rights under the FCRA.

Please respond within the 30-day period mandated by law and send all correspondence to my address listed above. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported hard inquiries on my credit file that I did not initiate or authorize. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is related to a firm offer of credit.

At no time did I provide consent for these inquiries, nor did I authorize any third party to access my credit information. The continued reporting of these inquiries without proof of a permissible purpose or documented consentsuch as my signed authorizationis unlawful and must be addressed.

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 2025-08-13 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: IL

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Loan Number : XXXX CFPB Case Number : XXXX Subject : Dispute of Account Information Dear XXXX XXXX, XXXX am writing to formally dispute certain information regarding my mortgage account referenced above. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information reported to the credit bureaus. 

Despite your prior responses, I contend that the account balance, payment history, and reporting of delinquent payments are inaccurate. I request a full, documented investigation of all records XXXX relies upon, including payment history, notices of assignment, and any documentation supporting the reported balance. 

Additionally, under RESPA Section 6, I request copies of any documents that informed your decision and all communications related to this account. I ask that all correspondence be sent to me in writing at the address above and that no negative credit reporting occur while this dispute is pending. 

Please confirm receipt of this dispute and provide your findings in accordance with federal regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Loan Number : XXXX CFPB Case Number : XXXX Subject : Dispute of Account Information Dear XXXX XXXX, XXXX am writing to formally dispute certain information regarding my mortgage account referenced above. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information reported to the credit bureaus. 

Despite your prior responses, I contend that the account balance, payment history, and reporting of delinquent payments are inaccurate. I request a full, documented investigation of all records XXXX relies upon, including payment history, notices of assignment, and any documentation supporting the reported balance. 

Additionally, under RESPA Section 6, I request copies of any documents that informed your decision and all communications related to this account. I ask that all correspondence be sent to me in writing at the address above and that no negative credit reporting occur while this dispute is pending. 

Please confirm receipt of this dispute and provide your findings in accordance with federal regulations. 

Sincerely, 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 2025-08-13 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: CA

Complaint narrative:
USC 1681g calls for the removal of accounts not owned by the consumer within 15 days ; these fall under that category.

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 2025-08-13 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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