vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-30 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: AZ

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-05-30 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 2023

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 2025-05-30 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 
I looked at my experience credit report on XX/XX/2025 and noticed that somethings are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates according to 15c 1681 ( e ) ( b ) According to 15 USC 1681i 5 they are supposed to do this treatment of inaccurate or unvarifiable information In general, after any reinvesting action after paragraph 1 of any information disputed by the consumer an item of the information is found to be inaccurate or incomplete or con not be verified, the agency shall 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 promptly notify the furnished 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 supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable belief 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-30 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: GA

Complaint narrative:
Please remove the following fraudulent accounts due to Equifax data breach identity theft. 

Please see supporting documents pertaining to XXXX data breach identity theft. 

XX/XX/XXXX XXXX XXXX XXXX Hwy XXXX XXXX, GA XXXX { Last XXXX XXXX * * * _ * * XXXX } Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX XXXX XXXX XXXX, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX XXXX XXXX I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
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 2025-05-30 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 have recently received a copy of my credit report and notice several inaccuracy and unauthorized accounts/information reporting to my credit reports.These remarks have been detrimental to my life and credit health. My data and infomation has been compromised with Experian data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MS

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 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 2025-05-30 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 disputing multiple inaccuracies and unverifiable items listed on my TransUnion credit report dated XX/XX/XXXX. Despite submitting a formal dispute letter, TransUnion has failed to properly investigate and correct the following : Inaccurate Personal Information : Incorrect name : XXXX XXXX XXXX ( correct : XXXX XXXX XXXX ) Multiple outdated addresses still listed that are not associated with my current or valid residence. 
Unauthorized Hard Inquiries : My credit report includes numerous hard inquiries I did not authorize. TransUnion has not provided proof of permissible purpose in violation of XXXX U.S.C. XXXXb ( c ). 
Disputed Accounts : XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Charged-off account with unverified late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 days past due ; requires original billing and contract validation. 
XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX These Department of Education accounts are showing as past due despite federal student loan relief programs and may include duplication or inaccurate statuses. 
Under FCRA XXXX U.S.C. XXXXe ( b ) and XXXXi ( a ) ( 5 ), TransUnion is required to ensure maximum accuracy and remove unverifiable information. They have failed to meet these obligations.

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 2025-05-30 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: NC

Complaint narrative:
I am disputing multiple inaccuracies and unverifiable items listed on my TransUnion credit report dated XX/XX/XXXX. Despite submitting a formal dispute letter, TransUnion has failed to properly investigate and correct the following : Inaccurate Personal Information : Incorrect name : XXXX XXXX XXXX ( correct : XXXX XXXX XXXX ) Multiple outdated addresses still listed that are not associated with my current or valid residence. 
Unauthorized Hard Inquiries : My credit report includes numerous hard inquiries I did not authorize. TransUnion has not provided proof of permissible purpose in violation of XXXX U.S.C. XXXXb ( c ). 
Disputed Accounts : XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Charged-off account with unverified late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 days past due ; requires original billing and contract validation. 
XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX These Department of Education accounts are showing as past due despite federal student loan relief programs and may include duplication or inaccurate statuses. 
Under FCRA XXXX U.S.C. XXXXe ( b ) and XXXXi ( a ) ( 5 ), TransUnion is required to ensure maximum accuracy and remove unverifiable information. They have failed to meet these obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these ac counts from my report, they are hurting my ability to obtain credit.

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 2025-05-30 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
on XX/XX/year>, at or about XXXX, Cash app is not allowing me to make transactions. I have notified the company that I am the one trying to make that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed a false account reported by XXXX XXXX to Experian. The debt is unverified and unauthorized. I requested debt validation under FDCPA XXXX and proof of authorization for the charges, but none was provided. XXXX XXXX processed multiple unauthorized debits from my bank account in violation of XXXX 1693e. Despite sending a certified letter, Experian failed to investigate the dispute under FCRA 1681i and continues to report inaccurate information, harming my credit. This is a violation of my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
My vehicle was repossessed on XX/XX/year>, at XXXX AM by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of Toyota Financial Services. I was sitting inside the vehicle and verbally objected to the repossession all of which is captured on video. Despite this, the repossession was carried out, which is a clear violation of XXXX and Massachusetts laws requiring peaceful repossession. Police present on the scene even acknowledged that this was a civil matter best handled in court. 

This action resulted in a loss of income and emotional distress. I am requesting an investigation into XXXX XXXX repossession practices and appropriate enforcement action. 

I am also filing a formal complaint regarding the handling of my early vehicle lease termination, repossession, and the subsequent debt collection and credit reporting practices by Toyota Financial Services and any affiliated third-party debt collector. 

The " other miscellaneous fees '' are resulting is the value of {$730.00} are vague, unexplained, and unsubstantiated. I have reviewed my lease agreement and do not see where these fees are clearly authorized or disclosed. XXXX has not provided any detailed explanation or itemization of these charges. 

Finally, the total balance of {$4200.00} was reported to the credit bureaus, and I recently discovered that the account was transferred or sold to a third-party debt collector without my explicit consent or adequate notification, potentially violating my privacy rights under the XXXX XXXX. 

XXXX XXXX Violations XXXX Unfair or unconscionable collection XXXX Failure to validate the debt properly XXXX XXXX Breach of the peace

Company response to consumer: Closed with explanation