vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting a follow-up to my previous complaint, as there is still unauthorized information on my credit report despite having filed a dispute more than 30 days ago. The information in question continues to be reported by EQUIFAX. 
According to the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block within 4 business days any information identified by the consumer as unauthorized when an Identity Theft Report is provided. In my case, I attached my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ), but the agency has failed to comply with this requirement. 
The accounts listed below are unauthorized and do not belong to me : Disputed / Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly requested verification of contracts and documents supporting these accounts, but after more than 60 days, I have received no response. It is important to note that other credit reporting agencies have already removed the same information for lack of verification, while this one continues to report it. 
This situation is causing me direct and significant harm, as it severely affects my credit score, is preventing me from purchasing a home, and is blocking access to essential financial services necessary for my familys economic stability. 
For these reasons, I respectfully request the intervention of the CFPB to : Ensure the immediate blocking of these unauthorized accounts, as required by the FCRA. 
Provide me with written confirmation of the removal of this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have been XXXX  since XX/XX/XXXX. I was recently released XX/XX/XXXX. I called my bank to check balance and it was closed and charged off. I asked to send me the transaction history. I found out that over XXXX $ were charged to my account as well as a XXXX $ personal loan. I reported fraud and was transferred to the fraud team. They stated it had been too long since the transactions were placed and they can do nothing. I said that's not right and what else can I do. I went into a branch and spoke with a manager. He stated he would look into the loan for the XXXX $ and get back to me to let me know If he could do something. I'm waiting for answers but as far as the withdrawal and transactions the bank said I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
The account in question is being reported by : Creditor/Agency Name : National Credit Adj Reported Balance : {$2100.00} Account Status : Collection Account Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX This account is inaccurate and incomplete for the following reasons : 1. The original creditor is not listed.

2. The account type is not specified.

3. The information reported is unverifiable, as I have no record of entering into any contract with this agency. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
After carefully reviewing my credit reports, I discovered multiple accounts that are being reported with late payments that are not accurate. These errors are serious because they damage my credit standing, misrepresent my payment history, and create the false impression that I have been irresponsible with my obligations when I have not. 

The following accounts are currently showing inaccurate late payment information : XXXX XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Account No. XXXX In each of these cases, the reported delinquency is not supported by any valid billing statements or payment records. My right to an accurate billing history is protected under 15 U.S.C. 1666 and 1666b, and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires that credit reporting agencies and furnishers conduct a reasonable reinvestigation whenever an item is disputed. Continuing to report these alleged late payments without being able to substantiate them with original billing records is a violation of my rights under federal law.

The impact of these errors has been significant. I have faced higher interest rates, difficulty obtaining credit, and emotional distress from being treated as if I were financially reckless when, in fact, I have worked hard to maintain my accounts responsibly. It is extremely unfair and damaging to have my financial reputation tarnished by unverified, inaccurate information that should never have been reported in the first place.

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed the XXXX XXXX tradeline with TransUnion on XX/XX/year> for multiple Metro 2/FCRA violations. On XX/XX/year>, TransUnion marked it Verified as accurate/Updated, yet the same errors remain : ( 1 ) Duplicate Charge-Off reported every month from Dec 2022Aug 2025 ( a charge-off is a one-time event ; repeating it monthly is re-aging ) ; ( 2 ) Balance and Past Due both {$5100.00} after charge-off ( past-due should freeze post C/O ) ; ( 3 ) Missing DOFD required under 15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 4 ) Failure to conduct a reasonable reinvestigation under 1681i ( a ). I request deletion of the tradeline or full correction to Metro 2 standards, plus written confirmation.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not comply with my request. There are many variations of XXXX XXXX on my report. The Social Security administration have my Social Security number registered as XXXX XXXX and they need to delete this name as it is not me and does not belong to me.

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 2025-09-30 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-30 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:
After carefully reviewing my credit reports, I discovered multiple accounts that are being reported with late payments that are not accurate. These errors are serious because they damage my credit standing, misrepresent my payment history, and create the false impression that I have been irresponsible with my obligations when I have not. 

The following accounts are currently showing inaccurate late payment information : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX  Account No. XXXX In each of these cases, the reported delinquency is not supported by any valid billing statements or payment records. My right to an accurate billing history is protected under 15 U.S.C. 1666 and 1666b, and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires that credit reporting agencies and furnishers conduct a reasonable reinvestigation whenever an item is disputed. Continuing to report these alleged late payments without being able to substantiate them with original billing records is a violation of my rights under federal law.

The impact of these errors has been significant. I have faced higher interest rates, difficulty obtaining credit, and emotional distress from being treated as if I were financially reckless when, in fact, I have worked hard to maintain my accounts responsibly. It is extremely unfair and damaging to have my financial reputation tarnished by unverified, inaccurate information that should never have been reported in the first place.

Company response to consumer: Closed with non-monetary relief