vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servic
er.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MO

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 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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Block, Inc.
State: TN

Complaint narrative:
I wanted to name sure they would approve the transaction for the car I was trying to get even tho my married name is still on my license and thats how they have to run it. My account is in my actual name. As a solution to this the guy copied and pasted information about checks being deposited. Had nothing to do with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
I contacted XXXX XXXX Transunion and CFPB advising that XXXX companies have attempted to collect a debt from me that I do not owe. The debtor is XXXX c/o XXXX XXXX. XXXX went as far to file against me in XXXX XXXX. I have no business either company. I asked for documents with my wet signature from them stating that I have entered to a business contract with them or a signed agreement from any other company with my express written consent to share my personal and financial information with either XXXX c/o XXXX XXXX I was not provided anything of the such. I was mailed a theft affidavit. I have no business with this company and do not feel comfortable providing them any information other than requesting documents they have to validate that I owe them any funds.

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 2025-06-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted EquifaxXXXX XXXX XXXX and CFPB advising that XXXX companies have attempted to collect a debt from me that I do not owe. The debtor is XXXX XXXX XXXX XXXX. XXXX went as far to file against me in XXXX XXXX. I have no business either company. I asked for documents with my wet signature from them stating that I have entered to a business contract with them or a signed agreement from any other company with my express written consent to share my personal and financial information with either XXXX c/o XXXX XXXX I was not provided anything of the such. I was mailed a theft affidavit. I have no business with this company and do not feel comfortable providing them any information other than requesting documents they have to validate that I owe them any funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 explanation
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
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 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 2025-06-25 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: NC

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 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 2025-06-25 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am submitting a complaint regarding an account with XXXX XXXX ( Account # XXXX ), which is currently being reported on my credit report as charged off with multiple late payments and a balance of {$3700.00}. 

The account was opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last reported on XX/XX/XXXX. The payment history shows : 1 late payment at 30 days 1 late payment at 60 days 3 late payments at 90 days A worst rating of " Collection Chargeoff '' Despite this, the account reflects a {$0.00} past due balance and a status of " Closed/Charge-off ''. 

I previously disputed this account on multiple occasions, including : XX/XX/XXXX : Requested validation of charge-off and late payment data ; XX/XX/XXXX : Notified that the account shows {$0.00} due but still reports as charged off with derogatory status ; My concern is that XXXX XXXX has not provided verification of the alleged late payments or evidence that this debt remains legally owed. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to the credit bureaus be complete, accurate, and verifiable. 

I am formally requesting : That XXXX  XXXX produce documentation verifying the account was correctly charged off, including all monthly statements and records of missed payments ; That the charge-off balance and payment history be corrected if no such documentation is available ; That the derogatory information be removed or suppressed from my credit file if it can not be substantiated. 

The continued reporting of this account in its current form is damaging my credit profile and does not appear to be fully verified. I am asking for the CFPB 's assistance in investigating this matter and ensuring XXXX XXXX is reporting information lawfully and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was reviewing my Equifax credit report and noticed inquiries that are not mine. They need to be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Email : XXXX Subject : Final Attempt to Resolve Ongoing FCRA Violations and Inaccurate Reporting I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to repeated and unresolved inaccuracies in my credit report, as well as the failure of the credit reporting agency to comply with key provisions of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes most recently submitted on XX/XX/XXXX the following accounts continue to report inaccurate or unverifiable information : Disputed Accounts : XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX The credit reporting agency has repeatedly responded with vague claims that the accounts were verified, but they have failed to provide : The specific method of verification used for each item, as required by 15 U.S.C. 1681i ( a ) ( 7 ).

The name and contact information of the data furnishers.

Copies of any supporting documentation relied upon during the reinvestigation.

Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation and provide method-of-verification.

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 2025-06-25 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: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Email : XXXX Subject : Final Attempt to Resolve Ongoing FCRA Violations and Inaccurate Reporting I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to repeated and unresolved inaccuracies in my credit report, as well as the failure of the credit reporting agency to comply with key provisions of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes most recently submitted on XX/XX/XXXX the following accounts continue to report inaccurate or unverifiable information : Disputed Accounts : XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX The credit reporting agency has repeatedly responded with vague claims that the accounts were verified, but they have failed to provide : The specific method of verification used for each item, as required by 15 U.S.C. 1681i ( a ) ( 7 ).

The name and contact information of the data furnishers.

Copies of any supporting documentation relied upon during the reinvestigation.

Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation and provide method-of-verification.

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 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Late Payment History XXXX  XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union , I am writing to formally dispute the negative late payment history reported on my credit file for the XXXX  XXXX account referenced above. This account, which was paid in full and closed as of XX/XX/XXXX, is inaccurately reporting three 30-day late payments and a status of Paid, was past due 30 days two or three times. 
I have previously disputed this item on XX/XX/XXXX, and again on XX/XX/XXXX, requesting documentation supporting the reported late payments. To date, no sufficient documentation has been provided to validate the reported delinquencies. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Provide complete verification of the reported late payments, including : o A detailed payment history showing the actual due dates and payment dates ; o Copies of any statements or communications notifying me of delinquency ; 2. If this information can not be verified, I request that the negative payment history be removed from my credit report ; 3. Send me a written notice of the outcome of this investigation and an updated copy of my credit report reflecting any corrections.

The current reporting is not only inconsistent with the {$0.00} past due amount and closed, paid status, but it also continues to harm my credit unfairly. If unresolved, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further action.

Please complete this reinvestigation within 30 days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have disputed this debt as Identity theft. they claim its mine. but then send a letter saying they have closed the account but then sent the account to collections with LVNV funding. They are now trying to collect this debt that was marked as Identity theft with the original creditor. This isn't my debt and i want it discharged The amount of the account that is trying to be collected is XXXX account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Approve Holdings, Inc
State: IN

Complaint narrative:
Please look into the car refinance process for XXXX 
I am continually pre-approved to move to the underwriting but am continually denied despite meeting the criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company of the error in my credit report and request to delete the error immediately. The bankruptcy remark hurt my credit report and might decrease my credit score as well. Here are the details : XXXX XXXX XXXX XXXX Balance {$0.00} Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
I have been a victim of identity theft. My information was stolen and used in the Equifax data breach, as well as the XXXX XXXX data breach and a recent data breach in 2024. I have noticed some unauthorized accounts on my credit reporting that I did not benefit from. These negative accounts and remarks are harming my chances of obtaining a home or an apartment, and I need them gone from my credit reporting 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