vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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 a victim of identity theft. My credit report includes fraudulent accounts that were opened without my knowledge or consent and were later reinserted after a prior dispute and deletion without proper notification or compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the following accounts were fraudulently opened and are now improperly reflected on my credit report : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX These accounts were : Not opened by me Previously disputed or deleted Reinserted without notifying me in writing within 5 business days, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The consumer reporting agencies have not fulfilled their legal obligations under the FCRA, which require that : 1. I be notified in writing of any reinsertion within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. The furnisher of the reinserted data be identified by name, address, and phone number.

3. Reinserted data only be allowed if certified as accurate by the furnisher ( FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) ).

Additionally, the accounts are fraudulent and were created as part of identity theft, as documented in my official FTC Identity Theft Report ( Report Number : XXXX ) dated XX/XX/year>. 



Fair Resolution Requested : 1. Immediate and permanent deletion of the above accounts from all credit reporting agency files.

2. A written explanation of how and why these accounts were reinserted, if applicable.

3. The name, address, and phone number of each furnisher who allegedly verified the account ( s ).

4. Written confirmation that no reinsertion will occur unless all FCRA reinsertion provisions are fully met.

5. Restoration of my credit profile and scores, and correction of any damage caused by the reinsertion.

6. Regulatory enforcement of all violations of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681n, and 1681o due to : Failure to notify me within the required timeframe Willful and/or negligent failure to comply with reinsertion and investigation procedures

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 2025-07-16 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: NJ

Complaint narrative:
This complaint is filed on behalf of our client by XXXX XXXX XXXX XXXX, under the direction of XXXX XXXX XXXX XXXX and her world-class credit audit and compliance team widely recognized as the foremost credit restoration firm in the nation. 

On or around [ XX/XX/year>XXXX  ], we submitted a formal dispute to Experian regarding materially inaccurate information being reported by XXXX XXXX XXXX on our clients Experian credit report. The disputed data included incorrect payment history, misleading account status, and other errors that do not align with actual consumer records or legally verifiable documentation. 

Experian closed the investigation by marking the account as Updated. However, no substantive correction was made to the inaccuracies we identified. Despite our request for full verification and documentation, Experian failed to ensure that the data being furnished was complete, accurate, or verifiable as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

To date, no documents have been produced proving that XXXX XXXX reporting meets legal verification standards. Updating inaccurate information without resolving the core issue or validating the source data is a direct violation of consumer rights. 

XXXX XXXX XXXX XXXX demands the immediate permanent deletion of the XXXX XXXX account from our clients Experian credit report, on the basis that Experian and the furnisher have both failed to meet their legal obligations to verify, correct, or cease reporting inaccurate information. 

We respectfully request full enforcement of the consumer protections afforded under the FCRA. Continued reporting of unverifiable and disputed information not only harms our clients financial standing but also constitutes willful noncompliance.

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 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

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 2025-07-16 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 2025-07-16 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: NY

Complaint narrative:
I filed disputes with transunion equifax and experian In regards to some collections that was listed on my report I sent screenshots with the proper proof showing XXXX re aged my debt I had this account removed twice once XXXX and XXXX and its back on my report under XXXX when this debt was previously listed and removed from my transunion for inaccurate information so they arent reporting to Transunion because they knew they couldnt so they filed with experian and equifax I sent proof to all agencies and debt collectors nothing equifax went as far to say its frivolous and wont bother investigating it. Then comes XXXX XXXX XXXX  I sent proof as well showing this debt was listed on my transunion twice one opened XXXX and the other XXXX for the same account which is illegal and they all transunion equifax and experian say it meets the requirements when it doesnt and clearly my screenshots show that and they didnt care and took over 30 days to complete any investigation

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 2025-07-16 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: NY

Complaint narrative:
I filed disputes with transunion equifax and experian In regards to some collections that was listed on my report I sent screenshots with the proper proof showing XXXX re aged my debt I had this account removed twice once XXXX and XXXX and its back on my report under XXXX when this debt was previously listed and removed from my transunion for inaccurate information so they arent reporting to Transunion because they knew they couldnt so they filed with experian and equifax I sent proof to all agencies and debt collectors nothing equifax went as far to say its frivolous and wont bother investigating it. Then comes XXXX XXXX XXXX  I sent proof as well showing this debt was listed on my transunion twice one opened XXXX and the other XXXX for the same account which is illegal and they all transunion equifax and experian say it meets the requirements when it doesnt and clearly my screenshots show that and they didnt care and took over 30 days to complete any investigation

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This complaint is a follow-up to an existing complaint filed on XX/XX/year> regarding fraudulent accounts. The original Complaint ID is TransUnion XXXX, Experian XXXX and Equifax XXXX. I am still awaiting the removal of fraudulent accounts as required by FCRA law. Please treat this as an urgent continuation of the unresolved matter as this is affecting my life tremendously. 

I would like to update my complaint with important new information : My legal name has changed from XXXX XXXX XXXX to my premarital name XXXX XXXX. I request that all records, communications, and corrections reflect this updated name. 

Additionally, the fraudulent accounts -XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} -XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXXXXXX XXXX XXXX Bank Account Number XXXX XXXX XXXX XXXX * * Balance : {$830.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX Bank XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Multiple Accounts ) Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. 
Balances : Ranging from {$41.00} to {$2600.00} on my credit report have not been removed, despite being reported under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) which requires prompt blocking of identity theft-related information. 15 U.S.C. XXXXi Reinvestigation by the Credit Reporting Agency. They have not responded with results showing deletions of negative accounts. They are in violation of the laws. 


I respectfully request the immediate deletion of the fraudulent accounts and an updated credit report reflecting the corrections. Thank you for your continued attention to this matter.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I paid my credit card in a sum of XXXX on XX/XX/XXXX. Target placed a hold on my payment and has not released that hold to date ( XX/XX/year> ). This means my funds have been on hold for XXXX consecutive days and counting. I contacted Target on multiple occasions. I was never informed there would be a hold place or when the hold would be released. Target whose card is back by TD bank an FDIC insured institution who is mandated to comply with Regulation CC is in violation. Regulation CC ( Reg CC ) violations generally involve failing to adhere to the rules regarding the availability of deposited funds and the disclosure of those availability policies to customers. These violations can lead to penalties for financial institution. 

I still have not received a hold notice. In fact I believe they extended the hold when I tried to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
On XXXX XXXX, 2025, I submitted a formal written dispute to Experian regarding a XXXX XXXX account ( ending in XXXX ) being inaccurately reported with late payments. I cited multiple FCRA statutes, including 15 U.S.C. 1681i ( a ), requiring a proper reinvestigation within 30 days. 

On XX/XX/scrub> 2025, I received an Experian update stating the account was not changed and would remain, with no supporting documentation, verification contact, or investigation results provided. The dispute was closed in only 7 days, far below the standard reinvestigation timeline, with no effort made to verify the data 's accuracy. 

This is a violation of : 15 U.S.C. 1681i ( a ) Failure to reinvestigate FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Reporting knowingly inaccurate data I am requesting the CFPB to compel Experian to : Provide documentation verifying the late payment entries Remove unverifiable or inaccurate information Comply with all FCRA investigation procedures The lack of documentation or proper response is unacceptable and damaging to my credit.

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 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Im submitting a complaint about MoneyLions Instacash program, which they market as an XX/XX/XXXXproviding early access to wages Ive already earned. 

However, the app automatically sets a {$18.00} tip on a {$100.00} advance, which is 18 % of the amount. While they claim tips are optional, the interface is designed to pressure users into tipping : The tip is pre-selected and hard to reduce or remove. 
Choosing no tip leads to slower deposit times, essentially penalizing users who dont tip. 
The app strongly implies that tipping is necessary to get the money quickly. 

Since XXXX XXXX are supposed to be non-loan, no-interest, MoneyLions practices seem misleading and predatory. Users like me are made to feel like tipping is required to access our own earned wages. 

I believe this violates federal guidance and consumer protection principles regarding XXXX products. Im requesting that the CFPB : Investigate MoneyLions tipping practices, interface design, and marketing claims. 
Review whether this qualifies as a hidden finance charge. 
Require clearer disclosure of the true cost of accessing funds. 

I also request a refund of any unfairly charged fees or tips induced through deceptive design.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
According to law 15 USC 1681 a4 I have a right to privacy. I contacted the bankruptcy court in Michigan and a letter was sent back stating they not provide bankruptcy information to Experian, Equifax, and Transunion. I then contacted XXXX XXXX that also said they do not provide bankruptcy information to Experian, Equifax, and Transunion, which means Experian, Equifax, and Transunion went looking for this information and this is a violation the FCRA to seek information about consumers to negatively impact the consumer. I put in disputes with all three credit reporting agencies and three refused to remove from credit report.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I did a voluntary report because I could not afford to get it fixed. They call any time of the day 4 to 5 times calling everybody I know harassing them as well. They got there car. Also keep sending certified letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
I am writing to formally dispute the validity of the account in question. I do not recognize the debt or the name of the collection agency attempting to collect it. I have no knowledge of this account, nor have I authorized its opening or use. 

I am a victim of identity theft and believe this account was fraudulently opened without my consent. I am not responsible for this debt and request that it be removed from my credit report and that all collection activity cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I disputed a XXXX utility account with TransUnion that came back verified but only had minor updates, with no actual proof provided. I requested the method of verification under FCRA 611 ( a ) ( 7 ), but never received documentation proving the accounts accuracy. This is a closed utility account, which is not a traditional credit obligation, and may be inconsistent with XXXX XXXX guidelines. I am requesting this item be removed from my credit report unless it can be verified with proper documentation.

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 2025-07-16 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a late payment entry that does not match my payment records. I made this payment on time and can provide documentation if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX/XXXX/2017

Company response to consumer: Closed with non-monetary relief