vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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:
Credit reporting agencies are in violation of my consumer reports, in violation of 15 U.S. Code 1681 ( b ) under the FCRA.

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 2025-04-14 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This is the account that I marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have previously asked Experian to remove incorrect information from my credit report. I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have already communicated this in writing to experian several times but they refuse to remove it or have and will add it back to my report. Please investigate this matter and ask them to stop reporting incorrect information about me to the credit agencies. I also am not employed at XXXX XXXX and this is incorrect information as well.

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 2025-04-14 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me, and they are negatively affecting my credit score. 

The following hard inquiries are in question : 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  of Inquiry : XX/XX/year> I did not apply for credit with these institutions, nor did I give consent for them to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization for the purpose of obtaining credit or services may legally remain on my report.

I have contacted the credit reporting agencies and the creditors in question, but the issue remains unresolved. I am requesting the CFPBs assistance in having these unauthorized inquiries investigated and removed from my credit file.

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 2025-04-13 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: CA

Complaint narrative:
To Whom it may concern, I am writing to delete the following information on my credit report. The following items are listen in the report. I am a victim of identity theft. The charges and inquiries on my account are 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. 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 identiy theft, not later that 4 business days after the date of this receipt. 15U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2025-04-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Final Notice Before Legal Action Failure to Remove Inaccurate & Unverified Accounts To Whom It May Concern, This letter is to serve as formal notice that Experian has repeatedly failed to provide verified documentation for the following disputed accounts, despite my lawful and repeated attempts since XX/XX/2025 : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX I submitted disputes in XXXX, XXXX, and XXXX of XXXX, and have not received any documentation verifying these accounts from the original creditors. These continued " verifications '' are not only baseless but also violate the Fair Credit Reporting Act ( FCRA ) under : 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation 1681e ( b ) Failure to ensure maximum possible accuracy 1681s-2 ( b ) Furnishing inaccurate information knowingly Despite my procedural request for verification, no proper documentation has ever been provided by you or the creditors. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to document these violations. 

You now have 10 days from the date of this letter to delete these unverified and inaccurate accounts from my credit file and provide written confirmation of the deletions. Failure to comply will leave me no choice but to pursue legal action to seek statutory damages, actual damages, and legal fees. 

This is your final notice before I initiate formal legal proceedings. Please act accordingly. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-13 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: CA

Complaint narrative:
They are reporting late payments to an account that was paid off early.

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 2025-04-13 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: CA

Complaint narrative:
They are reporting late payments to an account that was paid off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the XXXX XXXX ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

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 2025-04-14 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: MD

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account needs to be removed from my report. This furnisher is reporting inconsistent information and its current reports are contradicted by prior reports. From XX/XX/year> to XX/XX/year>, XXXX XXXX XXXX  reported the account as current in the months of XX/XX/year>, XX/XX/year> and XX/XX/year>. Back in XX/XX/year>, there was an issue with inaccurate reporting for XX/XX/year>, but it was corrected. XXXX XXXX XXXX  blocked me from accessing my report. Also, they processed payments late depending on how I make them. Because any late payments would have been the fault of XXXX XXXX XXXX, they have reported the account as current. 

Attached are credit reports from XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each of these reports show Experian reporting the account as current for XX/XX/year>, XX/XX/year> and XX/XX/year>. If Experian reviews the credit reports that I have included with this dispute letter, then Experian will see that XXXX  XXXX XXXX XXXX XXXX is reporting inconsistent information for the XX/XX/year> payment. If XXXX XXXX XXXX XXXX XXXX is not able to reconcile these inconsistencies, then Experian needs to modify or delete the information reported for XX/XX/year>.

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 2025-04-13 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: NJ

Complaint narrative:
Equifax is blatantly producing inaccurate, misreported, and damaging information to my credit file related to an XXXX XXXX account ending in XXXX. 
Equifax is in flagrant violation of the Fair Credit Reporting Act ( FCRA ) in several critical areas, specifically : 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
15 U.S. Code 1681a ( 1 ) ( A ) : You are misrepresenting this account 's nature by reporting duplicate charge-offs, distorting the factual record. 
15 U.S. Code 1681i ( a ) ( 5 ) : You are obligated to delete unverifiable or incorrect data following a disputeyour failure to do so is unacceptable. 
Despite your obligation under the FCRA, you continue to inaccurately list multiple Charge Off entries across different months and yearsincluding XXXX, XXXX, and even XXXX a single account. This practice is deceptive and malicious, artificially inflating the derogatory weight of the account and causing significant harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NJ

Complaint narrative:
Equifax is blatantly producing inaccurate, misreported, and damaging information to my credit file related to an XXXX XXXX account ending in XXXX. 
Equifax is in flagrant violation of the Fair Credit Reporting Act ( FCRA ) in several critical areas, specifically : 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
15 U.S. Code 1681a ( 1 ) ( A ) : You are misrepresenting this account 's nature by reporting duplicate charge-offs, distorting the factual record. 
15 U.S. Code 1681i ( a ) ( 5 ) : You are obligated to delete unverifiable or incorrect data following a disputeyour failure to do so is unacceptable. 
Despite your obligation under the FCRA, you continue to inaccurately list multiple Charge Off entries across different months and yearsincluding XXXX, XXXX, and even XXXXfor a single account. This practice is deceptive and malicious, artificially inflating the derogatory weight of the account and causing significant harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Account was frozen in XX/XX/year> no valid reason given. CSR explanation CSR could not provide valid reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am filing this complaint to report that TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of disputed information on my credit report. Despite submitting supporting documentation, TransUnion has not removed or corrected the inaccurate and/or unverifiable items, and has provided no meaningful explanation or evidence supporting the continued reporting of these accounts. 

This conduct reflects the same systemic failures cited in recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) against national credit reporting agencies, including failures to forward consumer-supplied evidence to furnishers, accepting unverified or boilerplate responses, and not properly notifying consumers of dispute results. These issues mirror my experience with TransUnion. 

As a result of their inaction, I continue to suffer adverse effects to my credit profile, including denial of credit and increased interest rates. This is a direct violation of my rights under the FCRA. 

I am requesting that the CFPB take immediate action to investigate this matter and require TransUnion to fully comply with federal law, including the removal or correction of the disputed accounts.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: OH

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. I called transunion and I was told I could not dispute them over the phone. when I clearly have a fraud alert and this was clearly fraud. I am receiving letters from places I never applied to. THEY ARE AS FOLLOWS. 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 XXXXXX/XX/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 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
XX/XX/year> XXXX AM Incoming Call from XXXX XXXX asking if he can have someone transfer me money so I can sent it to him, via XXXX and Global in return he will repay me some of the money I loaned him for goods such as gas. He since I knew him and the person transferring I agreed to it. 
I received a bank transfer From around XXXX AM from XXXX, XXXX XXXX XXXX Share XXXX {$1400.00} And another {$600.00} at XXXX I added {$1000.00} to XXXX XXXX and sent him {$1000.00} to XXXX account @ GladiatorGloves ( {$1000.00} was all I was allowed to do via XXXX XXXX From there I sent {$820.00} via XXXX XXXX XXXX '' XX/XX/year> a new day about XXXX Exactly 19 hours, 17 minutes has passed since the transfers before were done. Giving the bank enough time to find these transactions suspicious!!!!!! 

XXXX had XXXX XXXX transfer another {$1000.00} And I sent him {$960.00} via XXXX. 


XX/XX/year> I checked my bank account at XXXX AM and was in the negatives. 
I called Global Credit union and asked what was up. 
They told me 2 of the transfers were being disputed at the time.

I asked why? I know these people and nothing was said to me about a dispute.

I filed a dispute with GCU and it took them Less time to deny my disputes with these scammers than it took them to scam me!

14 years with global federal credit union also known as XXXX USA and this is how Im protected.

This isnt the first story Ive learned about people using that same bank to deposit fake checks into a ATM and have most of the funds available instantly. 
The bank did not give me any information on how they let this fraud and scam happen and I am now stuck with a negative balance and the person who I spoke to with global said if I do not pay them back I will be sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I'm not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. 

XXXX XXXX XXXX is a debt collector for the original creditor XXXX XXXX. XXXX 's XXXX. 
I believe either XXXX XXXX XXXX, Experian or Transunion might be re-aging the account. I show two different balance updates. On Experian they have the date of XX/XX/year>. On Transunion account update is XXXX. 
Also there is a XXXX  listed on every month in the Experian account. I thought that the " XXXX '' should turn to a {$0.00}. Transunion is showing it as an open 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 2025-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Credit Collection Services is attempting to collect a debt and I have formally disputed. I sent a written request for validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, along with a cease and desist notice under 15 U.S.C. 1692c ( c ). Despite this, they have continued collection efforts and/or reported the account to credit reporting agencies without validating the debt. 

They have not provided any documentation proving I am legally obligated to pay this debt. Their actions violate the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ) as well. This is damaging my credit and causing undue stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief