vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MI

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-07-09 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-09 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 have identified unauthorized and fraudulent accounts currently appearing on my credit file. I have never initiated or approved these accounts, and they are clearly the result of either error or identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
I am submitting this complaint against Empower Finance for knowingly reporting false and damaging information on my Empower XXXX account to all three major credit bureaus. 

Key facts : The account was opened XX/XX/year>. 
I filed XXXX XXXX bankruptcy on XX/XX/year> ; this account was not included. 
Empower closed the account voluntarily before my bankruptcy discharge, despite an outstanding {$250.00} balance. 
When I asked if repayment was necessary, Empowers representative responded that no balance was owed and gave instructions on closing the account, not on repayment. 
Despite this, Empower reported the account as charged off, with 0 % on-time payments, XXXX months of missed payments, and falsely marked it as included in bankruptcy. 

After discovering this false reporting, I contacted Empower multiple times with evidence and requested correction. Empower negligently dismissed my requests, repeatedly referring me to their prior claim that the account was included in bankruptcy but not sent to collections. This refusal to investigate or correct the false information violates federal law and worsens the harm to my credit. 

Violations include : FCRA 607 ( b ) : Reporting inaccurate and misleading information FCRA 611 ( a ) : Failure to conduct reasonable investigation and ensure maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be false Misrepresenting bankruptcy inclusion Reporting derogatory status on an account closed voluntarily without repayment option I request immediate correction or full deletion of this tradeline from XXXX XXXX, and XXXX ; written confirmation of the corrections ; and compensation of {$500.00} for credit damage and time lost resolving this issue.

I have attached supporting documentation, including Empowers email confirming no balance owed and screenshots of their refusal to correct the reporting.

This false reporting has severely harmed my credit during bankruptcy recovery. I urge the CFPB to investigate and require prompt corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AMERICAN EXPRESS COMPANY
State: FL

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 explanation
Consumer complaint received 2025-07-09 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: TN

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 2025-07-09 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-07-09 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management
State: GA

Complaint narrative:
On my credit report, it says the plaza stated I did not make a payment paid them off in full after agreement of pay half I paid half. I have receipts stating I paid in full. They recently put on my credit record. No payment has been received yet thats false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: DC

Complaint narrative:
Equifax Data as of XX/XX/XXXX. The credit agency Equifax shows several incorrect and irrelevant addresses that are no longer relevant and is not my most recent address. I attempted to have these address removed and was told that previous address are relevant to my report. 

XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Properly Reinvestigate Disputed Information and Maintain Accuracy of Credit Report Filed Under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681e ( b ), 1681i ( 7 ) I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate and unverifiable information currently reporting on my credit report. I am acting solely on my own behalf as a natural person and consumer.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request detailed information about the reinvestigation procedures used by the credit reporting agency and to challenge the validity of certain personal and account-related data. Under 15 U.S.C. 1681i ( 7 ), I have the right to a complete explanation of the reinvestigation process, including : The name, address, and telephone number of the furnisher ( s ) of the disputed information ; A description of the procedure used to determine the accuracy of the information ; Documentation used to verify the item ( s ).

I am requesting a formal response within 15 days, as required by law.

Disputed Information Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Employer : XXXXXXXX XXXX Employer XXXX XXXX  [ Duplicate ] Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX [ Duplicate ] Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Disputed Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Properly Reinvestigate Disputed Information and Maintain Accuracy of Credit Report Filed Under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681e ( b ), 1681i ( 7 ) I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate and unverifiable information currently reporting on my credit report. I am acting solely on my own behalf as a natural person and consumer.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request detailed information about the reinvestigation procedures used by the credit reporting agency and to challenge the validity of certain personal and account-related data. Under 15 U.S.C. 1681i ( 7 ), I have the right to a complete explanation of the reinvestigation process, including : The name, address, and telephone number of the furnisher ( s ) of the disputed information ; A description of the procedure used to determine the accuracy of the information ; Documentation used to verify the item ( s ).

I am requesting a formal response within 15 days, as required by law.

Disputed Information Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Employer : XXXXXXXX XXXX Employer XXXX XXXX  [ Duplicate ] Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX [ Duplicate ] Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Disputed Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
This bill is for services while in XXXX XXXX XXXX XXXX in XX/XX/year>. All other bills were paid through the insurance company, and they continue to bill the incorrect insurance company. They continue to bill XXXX XXXX insurance, but I do not have that insurance. The insurance I have was XXXX XXXX. This has been sent to them multiple times. I called XXXX XXXX, and they have never received a bill from this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Block and Remove Identity Theft-Related Information in Violation of FCRA Section 605B Filed Under : Identity Theft Fair Credit Reporting Act ( FCRA ) 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( XXXX ) I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ) after I submitted a complete and properly documented identity theft claim.

As required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I previously provided : A completed identity theft affidavit ; A police report ; A copy of my drivers license ; My Social Security card ; Proof of current address.

Despite submitting all documentation necessary to prove the identity theft, the credit reporting agency has failed to remove fraudulent inquiries and inaccurate personal information. This is not a routine disputeit is a legally substantiated identity theft claim filed with law enforcement and the FTC. 

Per FCRA 1681c-2, the credit bureau is legally obligated to block and delete all identity theft-related data within four ( 4 ) business days of receiving a valid identity theft report. That deadline has long since passed, and the inaccurate data remains on my report. 

Fraudulent Items That Must Be Blocked and Removed Incorrect Personal Information : 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 XXXXXXXX Employer : XXXX XXXX ( Listed twice in error ) Unauthorized Inquiries Due to Identity Theft : XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2024 Legal Violations Cited 15 U.S.C. 1681c-2 Failure to block identity theft information within 4 business days.

15 U.S.C. 1681g ( f ) Failure to provide required identity theft disclosures.

15 U.S.C. 1681s-2 ( a ) ( 6 ) Failure of furnishers to cease reporting identity theft information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible 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 2025-07-09 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Block and Remove Identity Theft-Related Information in Violation of FCRA Section 605B Filed Under : Identity Theft Fair Credit Reporting Act ( FCRA ) 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( XXXX ) I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ) after I submitted a complete and properly documented identity theft claim.

As required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I previously provided : A completed identity theft affidavit ; A police report ; A copy of my drivers license ; My Social Security card ; Proof of current address.

Despite submitting all documentation necessary to prove the identity theft, the credit reporting agency has failed to remove fraudulent inquiries and inaccurate personal information. This is not a routine disputeit is a legally substantiated identity theft claim filed with law enforcement and the FTC. 

Per FCRA 1681c-2, the credit bureau is legally obligated to block and delete all identity theft-related data within four ( 4 ) business days of receiving a valid identity theft report. That deadline has long since passed, and the inaccurate data remains on my report. 

Fraudulent Items That Must Be Blocked and Removed Incorrect Personal Information : 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 XXXXXXXX Employer : XXXX XXXX ( Listed twice in error ) Unauthorized Inquiries Due to Identity Theft : XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2024 Legal Violations Cited 15 U.S.C. 1681c-2 Failure to block identity theft information within 4 business days.

15 U.S.C. 1681g ( f ) Failure to provide required identity theft disclosures.

15 U.S.C. 1681s-2 ( a ) ( 6 ) Failure of furnishers to cease reporting identity theft information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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