vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and
names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I am filing this complaint due to XXXX failure to complete my background check in a timely manner, repeated lack of communication, and inconsistent information provided by support representatives which has directly impacted my confirmed employment offer and financial stability.

Timeline of Events : XX/XX/XXXX : I called XXXX support and waited on hold for 28 minutes with no response. I then submitted support case # XXXX. 

XX/XX/XXXX : I called and emailed support again, with no follow-up or acknowledgment. 

XX/XX/XXXX : I submitted all required documentation. 

XX/XX/XXXX : I finally received assistance only to gain access to my candidate portal. 

XX/XX/XXXX : The first estimated background check completion date passed. My account still showed the check as pending, with no updates. Case was handled by XXXX XXXX. 

XX/XX/XXXX : I spoke to XXXX, who created case # XXXX to follow up with the internal team. I never received a response. 

XX/XX/XXXX : XXXX told me the new estimated completion date was XX/XX/XXXX, but this was never reflected in my dashboard. 

XX/XX/XXXX : I spoke to XXXX ( who couldnt confirm a date ) and later XXXX, who said the background check was due that day but contradicted prior guidance by stating I wouldnt see confirmation when it was completed. 

XX/XX/XXXX and XX/XX/XXXX : Two more estimated completion dates passed with no update or visibility into the report status. 

XX/XX/XXXX : XXXX told me the check would be complete by XX/XX/XXXX, but I have received no confirmation since then and I can no longer see the estimated date in my portal. 

I also previously submitted a complaint through the XXXX In my response on XX/XX/XXXX, I made it clear that : The background check is pending in XXXX XXXX, Wyoming, where I have never lived and where no records should exist. 

XXXX  ( and their subcontractor, First Advantage ) have experience with this jurisdiction and should have been able to provide an accurate estimate. 

On XX/XX/XXXX, I received an email from a supervisor named XXXX XXXX XXXX from First Advantage ), stating that my case had been escalated internally and that I would be updated once their fulfillment team provided feedback. As of XX/XX/XXXX, I have received no follow-up, no resolution, and no new estimated completion date, despite this formal escalation. 

This is not just a delay it reflects a pattern of failure to communicate, failure to follow through, and failure to deliver on basic service expectations. It has already caused my employer ( XXXX XXXX ) to push my start date twice : from XX/XX/XXXX to XX/XX/XXXX, and now to XX/XX/XXXX. This ongoing uncertainty has placed me under considerable stress and could cost me the opportunity entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I am a victim of identity theft.many loan was opened in my name with without my knowledge or permission. I discovered the account on my credit report. I immediately filed an Identity Theft Report with the FTC and .I contacted equifax and provided the necessary documents, but they have not closed the account or removed the debt from my credit file. This fraudulent account is damaging my credit, and I am being contacted by debt collectors.

Close the fraudulent account Remove any negative marks from my credit Stop all collection activity related to this identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-18 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-18 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: CL Holdings LLC
State: VA

Complaint narrative:
I have desputed the accounts on my credit numerous of times I have sent all the documents that was asked and needed for my dispute. I have sent them a police report by certified mail numerous times under XXXX  code title XXXX. XXXX invoking my defense under XXXX  code section XXXX which covers criminal identity theft I submitted a police report and have evidence showing this account was used fraudulently I requested it be immediately removed from my credit profile. Ive also repeatedly requested them to validate the debt and a copy of the fraud investigation outcome, which they must conduct an internal review on the federal guidelines. Once you report identity theft Ive been disputing this on my profile for XXXX years, capital on tap credit card has sold my debt to Jefferson Capitol, which Ive disputed numerous of times and this debt has been sold twice. New wave card web bank is the name they are going by now also XXXX XXXX XXXX credit card I have disputed multiple times and the sent them all documentations and they refuse to remove it and continuously to validate the debt radius. XXXX XXXX also refuse to validate the debt also refuse to remove this from my credit report even after filling out a fraud package I request this be removed from my credit report immediately under title XXXX and if not remove immediately, I will seek further actions by suing every day. This is reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identit
y theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

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 explanation
Consumer complaint received 2025-06-18 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: GA

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 XXXX  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 2025-06-18 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: GA

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 XXXX  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 explanation
Consumer complaint received 2025-06-19 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and potentially unauthorized entries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon recent review of my credit file, I identified the following issues that are causing significant harm to my credit standing and overall financial stability : Incorrect Social Security Number My report contains an inaccurate or unfamiliar Social Security number, which raises serious concerns about identity verification and possible data mismanagement.

Unauthorized Inquiries There are multiple soft credit inquiries that I did not authorize and was not made aware of. These may reflect unauthorized access to my credit file. 

Misreporting of XXXX XXXX XXXX student loans are currently in official deferment with payments not due until XX/XX/year>, yet they appear to be affecting my credit score negatively, potentially due to misreported interest or status. This may violate provisions of the FCRA regarding accuracy and fairness in reporting. 

Unrecognized or Fraudulent Accounts My report includes accounts I do not recognize, which I believe to be either fraudulent or reported in error. 

Under the FCRA, I have the right to dispute incomplete or inaccurate information, and credit reporting agencies are required to investigate and correct any errors within XXXX  days of receiving a dispute. I am formally requesting that you : Conduct a full investigation into these matters. 

Remove or correct any inaccurate, incomplete, or unverifiable information. 

Provide me with written confirmation of any changes or findings. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently highlighted recurring issues with inaccurate credit reporting, including mismanagement of student loan data and unauthorized credit inquiries. These findings reinforce the need for urgent attention and strict compliance with federal consumer protection laws. 

Please consider this a formal notice to initiate investigation and resolution under federal guidelines. I am prepared to provide identification or any relevant documentation you may require to assist with the process. 

Thank you for your prompt attention to this matter. I look forward to your written response.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. System, Inc. 
[ Insert address oXXXX XXXX XXXX XXXXXXXX if available ] RE : Account Number : XXXX Balance : {$340.00} NOTICE OF DISPUTE AND REQUEST FOR DEBT VALIDATION UNDER THE FAIR DEBT COLLECTION PRACTICES ACT To Whom It May Concern, I am writing to formally dispute the above-referenced debt in its entirety, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I am requesting a full and complete validation of this debt. 

As of today, I have no verified record of the alleged account, and I am exercising my legal right to request validation before any further collection activities are taken. Please provide the following documentation to validate your claim : 1. The name and address of the original creditor.

2. The full account history, including all charges, payments, and interest calculations.

3. A copy of the original signed agreement or contract bearing my signature.

4. Verification that your agency is licensed to collect in my state, including your license number.

5. Documentation showing how the amount of {$340.00} was calculated from the original balance of {$290.00}.

Please also be advised that, under 15 U.S. Code 1692c, you are to cease all collection activities, including phone calls, letters, or reporting to any credit bureaus, until this debt has been validated. Continuing to pursue collection without proper validation is a violation of federal law and may result in legal action.

This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required. If you can not provide the requested validation, you are required to cease collection efforts and remove any related information from all consumer reporting agencies. 

Please respond to this request within 30 days of receipt. If you fail to comply, I will consider the matter closed and take appropriate steps to protect my rights. 

Sincerely, 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