vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-05-30 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: FL

Complaint narrative:
Im writing to dispute several late payments being reported on my XXXX XXXX account ( Account XXXX. XXXX ). According to my credit report, there are late payments listed for XX/XX/year>, XX/XX/year>, and XXXX XXXX these are completely inaccurate. I dont understand why this information is being reported. Its not just frustratingits damaging. Youre reporting inaccurate data, and under the Fair Credit Reporting Act, thats a serious issue. 15 U.S.C. 1681e ( b ) requires you to ensure the maximum possible accuracy of anything you report, and 15 U.S.C. 1681b prohibits reporting information without a valid permissible purpose. I didnt authorize or agree to have inaccurate data on my credit file. Also, under 15 U.S.C. 1681a and 1681s-2, youre considered a " person, '' and information based solely on internal transactionslike whether a payment was late or notshouldnt be on my credit file unless its verified and accurate. These reports are not only wrong, but they also violate my rights under the law. And since I already gave notice that this information might be inaccurate, continuing to report it now could be a violation of 15 U.S.C. 1681s-2. This even ties into 15 U.S.C. 1666, which protects consumers against billing errors. Not only is the late payment data wrong, but the way this dispute has been handled so far shows a failure to correct clear mistakes. Im askingagainthat you fix these errors immediately and update the account to show Paying as Agreed. Please send me written confirmation once the correction is made. This whole situation has caused unnecessary stress and harm to my credit. It needs to be made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the nationwide credit reporting agenciesExperian, Equifax, and TXXXX  failed to take action on a valid identity theft report I submitted through the Federal Trade Commission ( FTC ) at XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2.

Despite providing the credit bureaus with : A copy of my FTC Identity Theft Report A government-issued photo ID A written statement disputing the fraudulent accounts Proof of address the fraudulent accounts are still reporting on my credit file, harming my creditworthiness and negatively impacting my familys financial stability. This delay in removing fraudulent data violates my rights under the FCRA.

According to FCRA 605B ( 15 U.S.C. 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 identity theft not later than 4 business days after receipt of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The credit bureaus have failed to comply with this requirement. It has now been well beyond the 4 business days required by law, yet the fraudulent accounts remain on my report. 

I respectfully request that the CFPB take immediate action to : Investigate the inaction by the credit bureaus Ensure the fraudulent accounts are permanently blocked from my credit report Hold the bureaus accountable for their noncompliance Please note this issue is ongoing and urgent as it is affecting loan approvals, insurance rates, and my familys ability to secure housing and credit. 

Thank you for your 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 2025-05-30 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: TX

Complaint narrative:
I am filing this complaint because the nationwide credit reporting agenciesExperian, Equifax, and TXXXX  failed to take action on a valid identity theft report I submitted through the Federal Trade Commission ( FTC ) at XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2.

Despite providing the credit bureaus with : A copy of my FTC Identity Theft Report A government-issued photo ID A written statement disputing the fraudulent accounts Proof of address the fraudulent accounts are still reporting on my credit file, harming my creditworthiness and negatively impacting my familys financial stability. This delay in removing fraudulent data violates my rights under the FCRA.

According to FCRA 605B ( 15 U.S.C. 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 identity theft not later than 4 business days after receipt of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The credit bureaus have failed to comply with this requirement. It has now been well beyond the 4 business days required by law, yet the fraudulent accounts remain on my report. 

I respectfully request that the CFPB take immediate action to : Investigate the inaction by the credit bureaus Ensure the fraudulent accounts are permanently blocked from my credit report Hold the bureaus accountable for their noncompliance Please note this issue is ongoing and urgent as it is affecting loan approvals, insurance rates, and my familys ability to secure housing and credit. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
XXXX XXXX XX/XX/year> Ssn : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, Experian and Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, car loans and other accounts I am not aware of opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

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 I donot recognize the aforementioned accounts , collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission.

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 2025-05-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
1099C was filed for XXXX  # XXXX receiving credit for the account. Thus 1099c state removal of inaccurate reporting accounts. {$31000.00} 1099C was filed for XXXX XXXX XXXXXXXX receiving credit for the account. Thus 1099c state removal of inaccurate reporting accounts. {$7100.00} Goldman Sachs # XXXX 1099C was fied this for the account. Thus 1099c state removal of inaccurate reporting accounts. {$7100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I owe that code to XXXX XXXX for a credit card held at XXXX. Unfortunately, it is looking as though I will be filing bankruptcy. They keep contacting my daughter on her personal cell phone every day. And its about paying the debt not where Im at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
I included my XXXX XXXX  with XXXX and XXXX in my XXXX XXXX bankruptcy which was filed on XXXX XXXX 2025. XXXX closed both of my XXXX XXXX  but when I filed a dispute to have them removed from my credit report they opened 1 back up. I also included nelnet in my XXXX XXXX bankruptcy and I have yet to hear any thing from them but there reporting innaccurate on my credit reports. It's saying it's been removed but it's still showing up as of today. I would like all 3 of these XXXX XXXX removed from all 3 of my credit reports immediately because all 3 of them are reporting inaccurate information.

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 2025-05-30 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: Nelnet, Inc.
State: MS

Complaint narrative:
I included my XXXX XXXX with XXXX and nelnet in my XXXX XXXX bankruptcy which was filed on XX/XX/scrub> 2025. XXXX closed both of my XXXX XXXX but when I filed a dispute to have them removed from my credit report they opened 1 back up. I also included nelnet in my XXXX XXXX bankruptcy and I have yet to hear any thing from them but there reporting innaccurate on my credit reports. It's saying it's been removed but it's still showing up as of today. I would like all 3 of these students loans removed from all 3 of my credit reports immediately because all 3 of them are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
I included my XXXX XXXX  with XXXX and XXXX in my XXXX XXXX  bankruptcy which was filed on XX/XX/year>2025. XXXX closed both of my students loans but when I filed a dispute to have them removed from my credit report they opened 1 back up. I also included nelnet in my XXXX XXXX bankruptcy and I have yet to hear any thing from them but there reporting innaccurate on my credit reports. It's saying it's been removed but it's still showing up as of today. I would like all 3 of these XXXX XXXX removed from all 3 of my credit reports immediately because all 3 of them are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IN

Complaint narrative:
I had a loan with XXXX XXXX. In the Spring of XXXX, I lost my car in a flood. I had XXXX insurance. They paid what they were told was owed. However, XXXX continuously said I owed more, and it was charged off in XX/XX/XXXX. I finally went ahead and paid it to clean it up even though I had the letter that was sent to XXXX saying what was owed and the check payment from them. My dispute is with the credit reporting agencies, however. It was charged off and closed XX/XX/XXXX. They continuously put charge off every month after that and at least one of the agencies just put that it was closed in XX/XX/XXXX which is inaccurate. I have attached the letters I had sent to each credit reporting agency, and they have not fixed it yet.

Company response to consumer: Closed with non-monetary relief