vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS 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 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 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-10 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:
As part of my usual routine, I checked my credit report today and found some discrepancies I hadnt seen before. I thought it might be a browser issue, so I refreshed the page, but the inaccurate accounts still showed up. To address this, Im requesting that you carefully examine the documents I provided so I can finally stop worrying about it.

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 2025-07-10 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Continental Finance Company, LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX, XXXX, and XXXX. I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit. 

Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving 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 explanation
Consumer complaint received 2025-07-10 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CBC Companies, Inc.
State: NV

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 delete 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 2025-07-10 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: FL

Complaint narrative:
I am disputing an inaccurate credit reporting of my XXXX XXXX XXXX XXXX account. My report shows a {$15000.00} balance at statement close, but I actually made {$23000.00} in payments during that billing period, resulting in a credit balance of - {$84.00}. This error is severely affecting my credit score by falsely showing high utilization. XXXX XXXX confirmed they did not report the incorrect balance and advised me to dispute it. I have attached the correct statement and confirmation letter. I request this to be corrected immediately under FCRA 1681e ( b ) and 1681i.

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 2025-07-10 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian lnformation Solutions lnc. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) -XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX ) -XXXX # XXXX, XXXX ) - XXXX  # XXXX, XXXX XXXX -XXXX  XXXX that remain unverified despite formal disputes XXXX causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian lnformation Solutions lnc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
I want XXXX XXXX and Health Care Finance Direct to leave me alone. They went bankrupt and breached the contract and keep sending letters in the mail, text, phone calls emails for me to pay for services I didnt receive. I didnt finish my treatment. This is despicable and harassment its non stop with the calls texts emails letters. I have sent complaints in the past and they still harass me and this has been going on for nearly 2 years. They went bankrupt and did NOT provide me my services a dentist was never available and I never finished my treatment. My XXXX  are XXXX  and the XXXX  to my XXXX are even worse and theyre brittle. These people need to refund my money that I have spent on this stupid company and they need to terminate all communication and my account because they breached the contract Im not paying for services I didnt receive. They still contact me about additional companies theyre creating too. Ive stated to STOP HARASSING ME. Stop threatening that my account is going to collections when it should be them because they breached the contract. The letter came in today XX/XX/XXXX. I demand a refund which is stated in my prior complaint. STOP CONTACTING ME. Stop threatening me. Terminate and stop and cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disagreeing with Equifaxs response to complaint XXXX submitted on XX/XX/XXXX. 

The hard inquiries from XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) were unauthorized, and no documentation proving permissible purpose, signed authorization, or a Method of Verification under FCRA 611 ( a ) ( 7 ) was provided to me within the legally required 30-day window.

I called Equifax by phone and the representative refused to provide any Method of Verification, claiming I would need to contact the creditors directly.

This is a direct violation of FCRA 604 ( a ) and 611 ( a ) ( 7 ), which requires the credit reporting agency to either verify permissible purpose for an inquiry or delete it from the consumers file.

Equifaxs explanation that inquiries are a factual record does not excuse the fact that unauthorized or unverifiable inquiries must be removed upon dispute if no proof of permissible purpose exists.

I am formally requesting immediate deletion of these unauthorized, unverifiable inquiries and a regulatory review into Equifaxs non-compliance with consumer dispute rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am submitting this complaint due to multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ) by the following credit reporting agencies : Experian Information Solutions Inc., Equifax Information Services LLC, and TransUnion LLC. Despite filing several Method of Verification ( MOV ) requests and formal disputes directly with each bureau and through the CFPB portal, the agencies have : Failed to complete legally compliant reinvestigations under 15 U.S.C. 1681i, Failed to provide the original source or method of verification, Reinserted previously disputed accounts without proper notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), Continued to report inaccurate and unverifiable information despite documented disputes, Failed to provide the signed assignment contracts showing legal right to collect or report the debts, And ignored updated documentation and supporting legal letters, including identity verification and debt validation.

The accounts in question include ( but are not limited to ) : - XXXX XXXX XXXX ( repossession ) - XXXX XXXX XXXX ( collection ) - XXXX  ( late payments ) - XXXX  XXXX XXXX ( two charge-offs ) - Multiple unauthorized hard inquiries from third-party entities These continued actions have caused significant harm to my credit file, financial standing, and have violated multiple sections of FCRA. All supporting documentation, credit reports, MOV letters, and supplemental evidence have been attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am submitting this complaint due to multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ) by the following credit reporting agencies : Experian Information Solutions Inc., Equifax Information Services LLC, and TransUnion LLC. Despite filing several Method of Verification ( MOV ) requests and formal disputes directly with each bureau and through the CFPB portal, the agencies have : Failed to complete legally compliant reinvestigations under 15 U.S.C. 1681i, Failed to provide the original source or method of verification, Reinserted previously disputed accounts without proper notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), Continued to report inaccurate and unverifiable information despite documented disputes, Failed to provide the signed assignment contracts showing legal right to collect or report the debts, And ignored updated documentation and supporting legal letters, including identity verification and debt validation.

The accounts in question include ( but are not limited to ) : - XXXX XXXX XXXX ( repossession ) - XXXX XXXX XXXX ( collection ) - XXXX  ( late payments ) - XXXX  XXXX XXXX ( two charge-offs ) - Multiple unauthorized hard inquiries from third-party entities These continued actions have caused significant harm to my credit file, financial standing, and have violated multiple sections of FCRA. All supporting documentation, credit reports, MOV letters, and supplemental evidence have been attached to 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 non-monetary relief
Consumer complaint received 2025-07-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX To : EXPERIAN Subject : Formal Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act ( FCRA ) Accounts in Question : XXXX XXXX Account XXXX XXXXXXXX Opened XX/XX/XXXX Lending Club Account XXXX XXXXXXXX Opened XX/XX/XXXX To Whom It May Concern, I am writing to dispute inaccurate information currently appearing on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. Lending Club Account Number : XXXX Date Opened : XX/XX/XXXX The information reported for these accounts is inaccurate and/or unverifiable. I formally request that you conduct a full reinvestigation pursuant to FCRA Section 611 [ 15 U.S.C. 1681i ], Under FCRA Section 609 [ 15 U.S.C. 1681g ], I am also requesting that you provide complete documentation used to verify the accuracy of these accounts, including : A copy of the original application or contract with my signature Full account and payment history The name and contact of the original creditor or lender Any documents used to verify ownership and accuracy of the reported data If you can not verify the accuracy of this information within 30 days, these accounts must be deleted from my credit report as required by law.

I have enclosed a copy of my government-issued ID and proof of address to assist with the investigation.

Thank you for your prompt attention to this matter. I expect written confirmation of the results of your reinvestigation and a clear summary of any changes made to my credit report. 

Sincerely, 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