vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-17 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:
I XXXX XXXX submitted a legal dispute with TRANSUION EQUIFAX EXPERIAN ABOUT ACCOUNTS THAT ARE INVALID AND NEED TO BE REMOVED ASAP ACCORDING TO CPFB / FCRA CONSUMER LAWS HOWEVER THESE COMPANIES FAIL TO REMOVE THESE SAID ACCOUNTS FROM MY PERSONAL CREDIT REPORT I HAVE SENT CERTIFIED LETTERS ETC AND PROVIDED DOCUMENTS AND THEY HAVE FAILED TO REMOVE SAID ACCOUNTS AND ADRESSES XXXX XXXX XXXXXXXX-reporting on Experian Transuion & Equifax XXXX XXXX -reporting on Equifax XXXX XXXX XXXX- reporting on Equifax These said accounts need to be removed if not i will file a complaint and lawsuit immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I XXXX XXXX submitted a legal dispute with TRANSUION EQUIFAX EXPERIAN ABOUT ACCOUNTS THAT ARE INVALID AND NEED TO BE REMOVED ASAP ACCORDING TO CPFB / FCRA CONSUMER LAWS HOWEVER THESE COMPANIES FAIL TO REMOVE THESE SAID ACCOUNTS FROM MY PERSONAL CREDIT REPORT I HAVE SENT CERTIFIED LETTERS ETC AND PROVIDED DOCUMENTS AND THEY HAVE FAILED TO REMOVE SAID ACCOUNTS AND ADRESSES XXXX XXXX XXXXXXXX-reporting on Experian Transuion & Equifax XXXX XXXX -reporting on Equifax XXXX XXXX XXXX- reporting on Equifax These said accounts need to be removed if not i will file a complaint and lawsuit immediately

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 2025-06-17 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: VA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I XXXX XXXX is filing a civil legal suit against BANK OF AMERICA for reporting delinquent Account AUTO LOAN to all 3 credit agencies XXXX XXXX XXXX if this account is not updated and removed i will file a suit seeking {$98000.00} for emotional / Mental distress and damages

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 2025-06-17 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Finmax Smart Capital LLC
State: PA

Complaint narrative:
This is my second complaint that Im going file for XXXX XXXX responded to my last complaint saying that Im unwilling to pay my debt of $ XXXXWhich is a total lie. Im not able to pay my debt back and I dont appreciate them saying that Im unwilling to pay my debt. They call me every single day they harass my family they call my family which I dont live with my family I dont know why theyre calling my family. I work in customer service and Ive been a customer service over 20 years and Ive never dealt with a worst company ever in my entire life. Im definitely going to be leaving extremely negative reviews on line and defer everyone from using this company. I will keep complaining until they resolve their issues and I get a formal apology. They are the ones that are unwilling to work with you. They are the ones that are unwilling to work with people. I only had one person in the whole company who actually was decent and her name is XXXX. She was the nicest and most helpful person there. Everyone else can kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

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 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 2025-06-17 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: TX

Complaint narrative:
I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal 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 2025-06-17 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: FL

Complaint narrative:
I checked my credit report as I normally do and was shocked to see an unauthorized inquiry appear out of nowhere. I tried refreshing the page multiple times, thinking it might be a glitch, but the inquiry stayed. This is incredibly frustrating, and Im requesting that you urgently verify the documents I sent to ensure this is resolved right away.

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 2025-06-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 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: SC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this formal complaint against Equifax due to their repeated and unlawful reporting of a fraudulent address on my credit file, despite multiple disputes and clear documentation. The address in question is : XXXX XXXX XXXX, XXXX, SC XXXX I, XXXX XXXX, have never lived at or used this address in any capacity. My only accurate and verified address is : XXXX XXXXXXXX XXXX  XXXX, NC XXXX I have submitted multiple disputes to Equifax to remove this address and provided the following documentation : Government-issued photo ID ( Drivers License ) Social Security card Recent utility bill showing my correct address FTC Identity Theft Report documenting this as a case of identity theft United States Postal Inspection Service complaint regarding fraudulent address use related to mail Despite these actions, Equifax continues to list or reinsert this address without validating its legitimacy or notifying me, which constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : Violated Federal Laws : 15 U.S. Code 1681e ( b ) Equifax has failed to follow reasonable procedures to ensure maximum possible accuracy in reporting.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Equifax has reinserted previously deleted information without notifying me in writing and without certification from the furnisher of the data.

15 U.S. Code 1681c-2 ( a ) After receiving a valid identity theft report, Equifax is legally required to block fraudulent information from appearing on my report.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Equifax failed to conduct a reasonable reinvestigation after my disputes.

15 U.S. Code 1681n and 1681o Equifax may be liable for willful and negligent noncompliance, entitling me to actual damages, statutory damages, and attorneys fees.

This ongoing inaccuracy is damaging to my credit, creates risk of mail fraud and identity misuse, and demonstrates Equifaxs blatant disregard for federal law and my consumer rights.

I am taking all appropriate legal and regulatory steps to escalate this issue and ensure permanent correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Late Payments on XXXX XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am filing a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. 

XXXX XXXX XXXX is reporting late payments on my credit report that I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 

Specifically, I raise concern under the following statutes : 15 U.S.C. 1681 ( Section 602 ) : Establishes the need for accurate and fair credit reporting and the protection of consumer privacy. 

15 U.S.C. 1681b ( Section 604A ) : Limits the permissible purposes for which credit information may be accessed and shared.

15 U.S.C. 1666b : Mandates that creditors allow a reasonable amount of time for payments to be made before reporting them as late. 


Despite attempts to ensure accurate reporting, XXXX XXXX XXXX has not corrected this issue. I believe the continued reporting of these late payments is unjustified, and I am requesting a full investigation into this matter. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate the accuracy of the late payment reporting on this account. 


2. Require XXXX XXXX XXXX to provide proper documentation verifying any reported delinquencies. 


3. Ensure that any unverifiable or inaccurate information is corrected or removed from my credit file. 


4. Take appropriate enforcement action if any violations of the above statutes are confirmed. 



I am including a copy of my credit report, my government-issued ID with current address, and my Social Security card to assist in verifying my identity and locating the account in question. 

Thank you for your attention to this matter. I look forward to a fair review and resolution. 

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 non-monetary relief
Consumer complaint received 2025-06-17 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Late Payments on XXXX Card Services Account Ending in XXXX To Whom It May Concern, I am filing a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. 

XXXX XXXX XXXX is reporting late on my credit report that I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws.

Specifically, I raise concern under the following statutes : 15 U.S.C. 1681 ( Section 602 ) : Establishes the need for accurate and fair credit reporting and the protection of consumer privacy.

15 U.S.C. 1681b ( Section 604A ) : Limits the permissible purposes for which credit information may be accessed and shared.

15 U.S.C. 1666b : Mandates that creditors allow a reasonable amount of time for payments to be made before reporting them as late.

Despite attempts to ensure accurate reporting, XXXX XXXX XXXX has not corrected this issue. I believe the continued reporting of these late payments is unjustified, and I am requesting a full investigation into this matter. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate the accuracy of the late payment reporting on this account.

2. Require XXXX XXXX XXXX to provide proper documentation verifying any reported delinquencies.

3. Ensure that any unverifiable or inaccurate information is corrected or removed from my credit file.

4. Take appropriate enforcement action if any violations of the above statutes are confirmed.

I am including a copy of my credit report, my government-issued ID with current address, and my Social Security card to assist in verifying my identity and locating the account in question. 

Thank you for your attention to this matter. I look forward to a fair review and resolution. 

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 non-monetary relief