vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I needed help correcting inaccurate information on TransUnion credit report. We contacted TransUnion multiple times to dispute the information and to request clarification on the investigation process. 
On an earlier call, a TransUnion representative stated that a supervisor would contact us within XXXX hours. When we called back after that time passed, TransUnion stated that there was no record of any supervisor escalation or callback request. 
We were then transferred to a supervisor identified as XXXX XXXX, who was dismissive, repeatedly interrupted me, and failed to provide clear information regarding the status of the dispute or the investigation. Despite attempts to remain professional and request assistance, the supervisor was uncooperative and ultimately terminated the call without resolving the issue or providing the requested information. 
TransUnion has failed to properly document escalation requests, failed to clearly explain or complete its reinvestigation, and failed to provide accurate information about the status of the dispute. Incorrect information continues to appear on the credit report without a clear explanation or resolution. 
I am requesting that TransUnion conduct a proper reinvestigation under the Fair Credit Reporting Act, correct any inaccurate information, and provide a written explanation of its findings and actions taken.

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 2025-12-24 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: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my Equifax credit report. Equifax has failed to ensure that the information contained in my credit file is accurate, complete, and properly verified, as required under the Fair Credit Reporting Act. 
Equifax is reporting an account listed as XXXX XXXX, account number XXXX, opened on XX/XX/year>, with a reported balance of {$4500.00} and a charge-off status. I have no knowledge of this account, do not recognize it as mine, and did not authorize any credit relationship with this creditor. Equifax is reporting this account without providing evidence that it belongs to me or that it has been properly verified. The continued reporting of this account indicates a failure to conduct a reasonable reinvestigation and to maintain accurate consumer information. 
I am requesting that the CFPB review this matter and require Equifax to conduct a lawful reinvestigation and delete this account if it can not be fully verified as accurate and belonging to me. I am seeking written confirmation that this inaccurate information has been corrected or removed from my Equifax credit report in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: PR

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to dispute an eviction entry on my credit report. The information reported is inaccurate and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information that is incomplete or inaccurate. The reported amount and dates do not match my records, and I have documentation showing the eviction is incorrect. I request that the credit bureaus and reporting company investigate this entry and remove it if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year>

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 2025-12-24 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: TX

Complaint narrative:
Im writing again about the XXXX XXXX account ( Acct number XXXX XXXX XXXX XXXX XXXX ). This is now my fourth time disputing this account. Even though youve marked it as verified in the past, nothing youve provided shows that the information is actually accurate or can be properly verified. 

Under FCRA 611 ( a ) ( 1 ) ( A ), youre required to conduct a reasonable reinvestigation. And under FCRA 611 ( a ) ( 5 ) ( A ), anything that can not be fully verified must be deleted. After several rounds, its clear this account still doesnt meet those standards.

At this point, Im asking that you remove this account from my credit file. Ive included my ID, proof of address, and copies of my previous dispute letters for reference. 

Please send me written confirmation once this has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

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 explanation
Consumer complaint received 2025-12-24 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL have violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has four business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me.

And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From XXXX i had a Car lease Loan with XXXX XXXX XXXX XXXX XXXX 20 months, and after i transfer my lease to another persons name, until XXXX  i had that loan under My Experian Credit report, and suddenly it got disappeared from my report, i use to have Cosigner i ask XXXX to check his Experian he still have it on his report, and other XXXX bureaus, i have on my XXXX  and XXXX, and i request XXXX to report to Experian too XXXX but they telling me we cant do anything call Experian, but Experian telling me you cant Add account or n your report by yourself, it must be added by that company who provide the loan! They dont reporting us, and now XXXX XXXX refusing to Report my 20 months car loan what i paid as agreed! And i having problem with other lenders they telling me dont enough car loans history! Which i have with 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-23 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-24 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: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported by Experian on my consumer credit report. After reviewing my Experian file, I identified incorrect addresses, accounts with inaccurate late payment reporting, and unauthorized inquiries that do not meet the accuracy requirements of the Fair Credit Reporting Act. 
Experian is reporting the address XXXX XXXX XXXX, XXXX, TN XXXX on my credit report. This address is not mine, I have no knowledge of it, and it has no association with me. Its reporting is inaccurate and this address must be deleted from my credit file. 
Experian is also reporting the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX. This address does not belong to me, I do not recognize it, and I have never lived at or used this address. Experian must remove this incorrect address from my credit report. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported balance of {$360.00}, is reporting late payment history inaccurately. I am disputing the accuracy of the late payment reporting only and am requesting that Experian conduct a proper reinvestigation and correct any inaccurate late payment information associated with this account. 
The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported balance of {$3000.00}, is also reporting late payments inaccurately. I am disputing the late payment history only and am requesting correction of any inaccurate information after a lawful investigation. 
Experian is reporting an inquiry from XXXX XXXX XXXX dated XX/XX/XXXX that I did not authorize. I did not give permission for my credit to be accessed and do not recognize this inquiry. This inquiry is inaccurate and should be removed. 
Experian is also reporting an inquiry from XXXX XXXX  dated XX/XX/XXXX that I did not authorize. I did not provide consent for this inquiry and do not recognize it. This inquiry must be removed from my Experian credit file. 
I am requesting that the CFPB require Experian to conduct a proper reinvestigation, correct any inaccurate information, and delete any information that can not be fully verified in compliance with the Fair Credit Reporting Act. Experian must provide an updated credit report reflecting these corrections.

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 2025-12-24 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:
I noticed that inaccurate late payments are still appearing on my credit reports this morning, and I do not understand why. The inaccurate late payments were not removed after I refreshed my browser. Because of this problem, I am requesting that the documents I have sent be reviewed thoroughly so I never have to worry about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-24 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: NC

Complaint narrative:
I have request Equifax, Experian, and Transunion to remove hard inquires listed ; they were made without my knowledge : 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 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

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 2025-12-24 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: NC

Complaint narrative:
I have request Equifax, Experian, and Transunion to remove hard inquires listed ; they were made without my knowledge : 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 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

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 2025-12-24 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: IL

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