vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-11 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: OR

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-11 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: NY

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 rectify these issues. 

Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX 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 2025-09-11 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: NY

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 rectify these issues. 

Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX 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 non-monetary relief
Consumer complaint received 2025-09-11 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX  years. 

XXXX XXXX  XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXXXXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I dispute the following Experian tradelines from my XX/XX/year> credit report. They are inaccurate, unverifiable, and mis-coded, violating FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ), and FDCPA XXXX for debt XXXX. Every late/CO month is disputed.

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 2025-09-11 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: CA

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 2025-09-11 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a properly documented dispute letter to TransUnion, including copies of my government-issued photo ID, Social Security XXXX XXXX and a recent utility bill to confirm my identity. In that letter, I requested specific details regarding TransUnionXXXX reinvestigation process, including : The method used to verify the disputed bankruptcy The date TransUnion contacted the creditor or furnisher The name and contact information of the XXXX The identity of the individual who conducted the verification The communication method used ( phone, email, or mail ) Confirmation as to whether any of my personally identifiable information ( e.g., XXXX, address, date of birth ) was exchanged during verification Despite my lawful request, TransUnion failed XXXX provide the reinvestigation results or evidence that a reasonable inquiry was ever conducted. This omission constitutes a direct violation of FCRA XXXX ( XXXX XXXX. XXXX ), which requires consumer reporting agencies to complete a reinvestigation within XXXX days. 
On XX/XX/year>, I submitted an additional dispute letter with supporting documentation, again requesting detailed information regarding TransUnions reinvestigation process, specifically : The name of the entity that certified the accuracy of the reported bankruptcy The documents and evidence relied upon to validate the reporting The contact information of the certifying entity, including address and phone number As of XX/XX/year>, TransUnion has failed to respond to this second dispute. This continued non-response not only exceeds the XXXX statutory requirement but also further violates my rights under the FCRA. 
Disputed Item : Bankruptcy Federal Reference Number XXXX Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX refusal to conduct a lawful reinvestigation has caused me measurable harm, including : Ongoing damage to my creditworthiness and XXXX XXXX Loss of financial opportunities Emotional distress due to the inability to correct inaccurate information By disregarding its legal obligations, TransUnion has willfully failed to comply with federal law. This misconduct not only violates my consumer rights but also exposes TransUnion to liability under the FCRA for its deliberate 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: UT

Complaint narrative:
I went into XXXXXXXX XXXX to purchase a washer and a dryer. They told me I could get a fridge too and qualified for no interest for XXXX  months. The kiosk I entered my info on had me select between no interest for XXXX months or for a low XXXX or XXXX... I of course selected no interest for XXXX  months, so I know for a fact the promotion was there. I was then signed up for XXXX  Credit Card and then they sent me info in the mail almost a month later that I was responsible for interest. They wouldnt even give me an honest answer, they just kept advising me to look at the card pamphlet which had the alternative rules against what was clearly written on the kiosk. Then my monthly payments kept increasing because of where my checks processed. So even though I was making payments, nobody would help me lower my payments back to where it originally was meant to be and then they refused to even touch the promotional credit I was due. So both companies refuse to take accountability despite trying to resolve this with them for months now and I am fixing to sue them both if XXXX being honest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: TN

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I have already gone through your dispute process in good faith, providing the necessary information for review. Despite this, Experian has failed to properly investigate or correct the inaccuracies, leaving me both financially penalized and unjustly burdened. This ongoing failure constitutes negligence and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to a credit file that is accurate and supported by verifiable documentation. If Experian can not provide direct, documented proof to substantiate the disputed entries, then federal law requires that they be deleted immediately. 

This is not a mere requestit is a demand for compliance with the law. If Experian continues to ignore its obligations, I will treat this as a willful violation of my rights and take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state regulators. 

My creditworthiness is critical, and I expect Experian to handle this matter with the seriousness it deserves. Please provide written confirmation of the deletions within XXXX  days of receipt of this letter.

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 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS

Complaint narrative:
I started receiving calls from them, I have never missed any payments and have told them multiple times to not contact me. 

They keep doing so. I blocked the number and they still keep trying to call.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was repeatedly robbed the XXXX fraud was consecutive in it's occurrence. I was targeted and victimized and made discredited by people who were criminal and advantaging unprofessional and unhygienic.

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 2025-09-11 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: TN

Complaint narrative:
The account from XXXX was deleted due to their failure to follow proper consumer laws. As such, the associated late payments are inaccurate and can not be verified. I request that all late payments/ past due marks from this account be removed in good faith. Attached is proof that the account has been deleted and correspondence showing prior dispute of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TN

Complaint narrative:
The account from XXXX was deleted due to their failure to follow proper consumer laws. As such, the associated late payments are inaccurate and can not be verified. I request that all late payments/ past due marks from this account be removed in good faith. Attached is proof that the account has been deleted and correspondence showing prior dispute of this account.

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 2025-09-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Department XXXX XXXX Unauthorized XXXX  Inquiry To Whom It XXXX Concern : On reviewing my credit report, I discovered a XXXX inquiry by XXXX dated XXXX XXXX XXXX ]. I never applied for financing, a lease, or any product requiring a credit pull with your company, and I did not authorize this inquiry. 

The Fair Credit Reporting Act, XXXX XXXX. XXXX, permits access to consumer reports only for specific permissible purposes. Because no such permissible purpose exists here, this inquiry is unauthorized and unlawful. 

I demand : XXXX removal of the unauthorized inquiry from all credit bureaus ( XXXX, XXXX, TransUnion ). 

Written confirmation within XXXX  days that the deletion has been completed. 

If this issue is not resolved, I will pursue further remedies, including filing additional complaints with the CFPB, FTC, and state regulators, and seeking legal relief under FCRA XXXX and XXXX. 

Sincerely, 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