vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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:
CFPB Complaint Summary Arbitration Exhibit Filed by : XXXX XXXX XXXX of CFPB Filing : XX/XX/year> Against : Experian Summary of Complaint and Violations Cited This document summarizes the formal complaint filed with the Consumer Financial Protection Bureau ( XXXX  ) by XXXX XXXX on XX/XX/year>, against Experian for the continued false reporting of a XXXX XXXX XXXX ( XXXX  ) tradeline following repossession and sale of the vehicle. 
Violations Cited : XXXX. FCRA XXXX ( b ) Failure to report with maximum possible accuracy. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Re-insertion of deleted or corrected info without proper notice. 
XXXX. FCRA XXXX ( b ) Failure to delete or modify after consumer dispute. 
XXXX. FCRA XXXX Failure to provide full consumer file. 
XXXX. FCRA XXXX Reporting obsolete or discharged info ; false payment activity post-repo. 
XXXX. FCRA XXXX ( c ) Failure to include statement of dispute on tradeline. 
XXXX. XXXX XXXX Inaccurate account status reporting ; reporting inflated balance on 'closed ' tradeline. 
XXXX. Michigan XXXX XXXX Failure to provide proper pre-sale notice of repossession. 
XXXX. Michigan XXXX XXXX No post-sale accounting statement or itemization of deficiency. 
XXXX. Failure to verify or validate account status post-repo ; XXXX  misrepresented account as still open. 
XXXX. Actual & Emotional Damages Credit denial, delayed auto loan, confusion, and time lost. 
Damages Sought The complainant seeks a total of $ XXXX in statutory, actual, and emotional damages, as outlined below : {$1000.00} per statutory violation XXXX categories $ XXXX for actual and emotional distress Final Demand Before Arbitration Filing Experian was instructed to delete the inaccurate XXXX XXXX XXXX and confirm in writing by XX/XX/year>. Failure to comply triggered the initiation of a formal arbitration case with the XXXX XXXX XXXX ( XXXX ). 

Respectfully submitted, XXXX XXXX XXXX, MI 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 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
Telephone in my name but I was in XXXX  when someone got the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have no knowledge or consent to the following hard inquiries. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Equifax XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX Equifax XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have no knowledge or consent to the following hard inquiries. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Equifax XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX Equifax XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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 2025-08-06 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: TX

Complaint narrative:
My identity has been stolen and leaked in several breaches, my FTC report number is XXXX several accounts have been established that I have no contracts with and Equifax, Experian and TransUnion are all aiding the collection of accounts established by way of Identity Theft bypassing the basic law that each credit report is to be 100 % accurate and error free. How could they be error free when Identity Theft is present as in my case here.

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 2025-08-06 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:
My identity has been stolen and leaked in several breaches, my FTC report number is XXXX several accounts have been established that I have no contracts with and Equifax, Experian and TransUnion are all aiding the collection of accounts established by way of Identity Theft bypassing the basic law that each credit report is to be 100 % accurate and error free. How could they be error free when Identity Theft is present as in my case here.

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 2025-08-06 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 am writing to formally dispute numerous unauthorized hard inquiries that appear on my credit report. I did not authorize these credit pulls and am concerned they were either made without my knowledge or due to fraudulent activity. I request that these inquiries be investigated and removed from my credit report if they are found to be unauthorized. 

Disputed Inquiries : - CXXXX Sep. XXXX, XXXX - XXXX  XXXX XXXX, XXXX - XXXX  XXXX XXXX, XXXX - XXXX  XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX  FIN XXXX XXXX, XXXX - XXXX  FIN XXXX XXXX, XXXX - XXXX  CRE XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX FINANCIAL XXXX XXXX, XXXX - XXXX  XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX - FXXXX XXXX. XXXX, XXXX - XXXX  XXXX. XXXX, XXXX - XXXX  XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX - XXXX  XXXX XXXX. XXXX, XXXX - XXXX  CRE 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- XXXX XXXX. XXXX, XXXX - XXXX  XXXX XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX - XXXX  XX/XX/XXXX - XXXX  CRE 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, 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 2025-08-06 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX which they confirmed would be removed but remains on my report ; XXXX XXXX ; and XXXX XXXX XXXX of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experian s refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-06 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: MS

Complaint narrative:
Several accounts on my credit report are missing critical information such as payment history, original creditor details, or accurate opening dates causing confusion and misrepresentation of my credit history. This incomplete data misleads lenders and undermines the fairness and accuracy guaranteed under FCRA 602 ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to express concern regarding a recent deposit made to my account on XX/XX/year>, at approximately XXXXXXXX XXXX XXXXXXXX. The deposit was made via money order purchased from XXXX, using guaranteed funds. I was initially informed that the funds would be available by the morning of XX/XX/year>. 

However, upon checking my account and following up with your customer service, I was told that the deposit is being placed on hold and can not be expedited. I understand that policies regarding check holds exist to ensure legitimacy and reduce risk, but in this case, the deposit was made with a money order a prepaid instrument backed by verified funds and not a personal or third-party check. 

Given that the funds have already been paid for and verified at the time of purchase, I believe this situation warrants a reconsideration. The money order was issued by XXXX and is not subject to return for insufficient funds or fraud in the same way that personal checks might be. 

I respectfully request a review and expedited release of the held funds, or at minimum, the release of a portion of the deposit while the rest clears. Please let me know if any further information or documentation is required from my end to assist with this request. 

Thank you for your time and assistance.

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 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXX XXXX account ending in XXXX, which had a charge-off balance of {$7200.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/scrub> 2025, after your investigation affirmed that the information was unverifiable. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

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 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXX XXXX account ending in XXXX, which had a charge-off balance of {$7200.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/scrub> 2025, after your investigation affirmed that the information was unverifiable. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
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 XXXX 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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing two tradelines from XXXX XXXX XXXX ( Account Numbers ending in XXXX and XXXX ), which are currently reporting across TransUnion, XXXX, and XXXX. These tradelines are reporting false and materially misleading derogatory information that misrepresents the true nature and status of the accounts. 

The XXXX account ( TransUnion 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 ) continues to report monthly charge-off or severe delinquency codes even after being paid and closed. The XXXX account ( TransUnion XXXX * * * * * *, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was recently altered to no longer say charge-off, yet it remains closed with a balance owed, and still shows a long history of 120-day delinquencies. This is a clear case of cosmetic relabeling to avoid regulatory scrutiny while continuing to damage my credit file.

I requested the method of verification, the name of the furnisher contacted, and any documents used to verify the tradelines under FCRA 611 ( a ) ( 7 ), but the credit bureaus failed to provide them. In writing, XXXX XXXX XXXX confirmed that no 1099-C was ever filed for either account, which directly contradicts their reporting of the accounts as charge-offs. The second account was recently altered to remove the charge-off status and now reflects 120-day delinquencies, a clear attempt to relabel the derogatory information without correcting the underlying issue. There is no evidence of a valid, current obligation.

The continued derogatory reporting of paid or settled debt may also constitute deceptive collection activity under FDCPA, if collection is involved. Because the information can not be substantiated, and because it misrepresents the true status of the accounts, I am demanding immediate deletion under FCRA 611 ( a ) ( 5 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am disputing two tradelines from XXXX XXXX XXXX  ( Account Numbers ending in XXXX and XXXX ), which are currently reporting across XXXX XXXX, and Equifax. These tradelines are reporting false and materially misleading derogatory information that misrepresents the true nature and status of the accounts. 

The XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to report monthly charge-off or severe delinquency codes even after being paid and closed. The XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) w

as recently altered to no longer say charge-off, yet it remains closed with a balance owed, and still shows a long history of 120-day delinquencies. This is a clear case of cosmetic relabeling to avoid regulatory scrutiny while continuing to damage my credit file. I requested the method of verification, the name of the furnisher contacted, and any documents used to verify the tradelines under FCRA 611 ( a ) ( 7 ), but the credit bureaus failed to provide them. In writing, XXXX XXXX XXXX confirmed that no 1099-C was ever filed for either account, which directly contradicts their reporting of the accounts as charge-offs. The second account was recently altered to remove the charge-off status and now reflects 120-day delinquencies, a clear attempt to relabel the derogatory information without correcting the underlying issue. There is no evidence of a valid, current obligation.

The continued derogatory reporting of paid or settled debt may also constitute deceptive collection activity under FDCPA, if collection is involved. Because the information can not be substantiated, and because it misrepresents the true status of the accounts, I am demanding immediate deletion under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Have disputed multiple times, Not my accounts. Unknown name and addresses listed on report. Data breach

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 2025-08-06 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: NJ

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 2025-08-06 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and XXXX XXXX notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next XXXX XXXX. Ive included documents that explain my situation.

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