vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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 submitted a dispute to Equifax regarding a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ) and a charged-off XXXX account. Although the bankruptcy is marked as dismissed, I submitted new and relevant documentation showing that XXXX the original source of this public record has removed it. XXXX  has also removed the same record. Equifax, however, refused to investigate the updated dispute. Instead, I received a system-generated response stating MEMBER NUMBER SUBMITTED NOT REPORTING AS INQUIRY ON CREDIT FILE, which is not a valid reinvestigation under FCRA. 

My dispute did not challenge the accuracy of the dismissal status. It challenged the continued reporting of a dismissed and now unverifiable public record. Equifax is obligated under FCRA 1681e ( b ) to ensure that the data they report is not just accurate, but also relevant and verifiable. Since XXXX the original furnisher no longer reports this record, and no post-dismissal verification has been provided, Equifax no longer has a valid legal basis to continue reporting it. 

I also disputed the XXXX charge-off, which reflects a {$0.00} balance, is marked as transferred, and contains no supporting payment history. I specifically demanded documentation showing XXXX continued legal right to report the account. Under FCRA 1681i ( a ) ( 7 ), Equifax is required to provide the method of verification, and under 1681e ( b ), they are obligated to ensure accuracy and completeness. 

Instead, Equifax failed to provide any verification, did not produce evidence of current ownership, and left unverifiable data on my report. This is a textbook violation of the Fair Credit Reporting Act. If Equifax can not produce legal documentation showing XXXX right to report this account post-transfer, the item must be deleted immediately. 

I am requesting the CFPB to compel Equifax to delete both items or produce new, original-source documentation proving continued legal authority to report them. Failure to do so continues to harm my credit profile and violates multiple provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-22 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Someone opened a credit card using all of my personal information with the company XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX the card arrived and I filed identity theft with XXXX XXXX. They said the will close the card but as of today XX/XX/XXXX, I still have the hard inquiry on my credit report. 
Recently, I had XXXX soft inquiries on XX/XX/XXXX from American Express. 
XXXX XXXX XXXX did soft inquiries on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  did soft inquiries on XX/XX/XXXX All these inquiries I didn't do, I'm not seeking for a new credit card. Someone has my personal information and is doing these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am the victim of identity theft. There are fraudulent accounts on my credit report that I did not open, including accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I have submitted an Identity Theft Report through the FTC and included a copy of the report with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America credit card services inaccurately reported my master credit account to credit bureau agencies as being XXXX  days late for no more than {$86.00}. 

This account was established in XXXX  and has been consistently paid on time and never missed a payment. 

Further, Bank of America has option for auto pay, and the auto pay was set up for this account and all other accounts. 

I want you to look into my over all payment history including, but not limited to Bank of America. 
How can you be late when you have auto pay set up on an account? 

I want Bank of America to revers the derogatory report on my credit report with all the bureau agencies.

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 2025-05-22 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: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I have been working on my credit and after reviewing it there were some inquiries that I wasnt aware of thats hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

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 2025-05-22 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: TX

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed a fraudulent account reported by XXXX XXXX  ( Account Number : XXXX ) and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. Despite this, Equifax failed to block the disputed item within the four business days required by 605B and instead " verified '' the account without disclosing the sources or evidence of verification, violating 611s requirement for a reasonable reinvestigation and transparency. I previously filed CFPB Complaint # XXXX, during which Supervisor XXXX from XXXX XXXX responded dismissively, stating, We dont remove negative items. Equifaxs continued non-compliance with statutory obligations and disregard for consumer rightscontrary to established precedent such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the CFPBs 2012 bulletindemonstrates a systemic failure to uphold the protections guaranteed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Complaint Summary : I submitted a secured fiduciary tender to purchase real estate ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), backed by legal Power of Attorney, UCC filings, and valid commercial tender in compliance with federal lending law ( Federal Reserve Act, TILA 15 USC 1605 ). XXXX XXXX refused to process or recognize my offer, failed to cite any legal basis for refusal, and discriminated against a non-bank settlement structure. This constitutes a violation of the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 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: MS

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, i sent in an dispute online to Experian on every single item on credit report about what information was used to reinvestigate the information on my credit report and have jt sent to me. It is now XX/XX/XXXX, and no information was sent to me from Experian on with any body on my credit report.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$83.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$50.00} Open Date XX/XX/XXXXXXXX XXXX  Balance : {$970.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance : {$660.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : {$460.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$370.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$290.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$210.00} Open Date XX/XX/XXXXXXXX XXXXXXXX Balance : {$200.00} Open Date XX/XX/XXXXXXXX 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 2025-05-22 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: VA

Complaint narrative:
I am writing to formally dispute and demand the immediate blocking and removal of the following fraudulent information from my credit file pursuant to 15 U.S.C. 1681c-2, due to identity theft.

1 Please remove the following inaccurate address from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX You did not conduct investigation XXXX XXXX XXXX XXXX This account does not belong to me. This account is not my responsibility. Please remove from my report. 

XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX XXXX XXXX XXXXXXXX This account can not have a monthly payment as there is no agreement between collection agency and myself. Please remove this inaccurate information. 

XXXX XXXX XXXX XXXX XXXXXXXX This account can not have a monthly payment as there is no agreement between collection agency and myself. Please remove this inaccurate information. 


In compliance with 15 U.S.C. 1681c-2, I am providing the following documentation as required to initiate the blocking of this information : A copy of my valid government-issued identification Proof of my current address ( e.g., utility bill or bank statement ) Copies of validation requests As clearly stated in federal law, a police report is not required to trigger your obligation to block this information. Under 15 U.S.C. 1681c-2 ( a ), a nationwide consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving the proper documentation. 

Therefore, I am demanding that the above-referenced accounts be blocked and removed from my credit file within 4 business days, as required by law. Please provide me with written confirmation once the fraudulent data has been removed from my credit report.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: OH

Complaint narrative:
Received high premium quotes from a renter 's insurance provider when renewing my current lease on XX/XX/year>. Also received a notice for Fair Credit Report Act from the insurance provider the same day with that I was not provided best quotes based on information from LexisNexis - a credit reporting agency. Contacted LexisNexis to obtain a copy of said report via their online form that asked from my name, date of birth, address, email address, phone number, drivers license number, issuing state and social security number on XX/XX/year>. Received an email confirmation of this request on XX/XX/year>. Received snail mail on XX/XX/year> that LexisNexis could not verify my identity. Tried submitting a request for copy of adverse action report letter via email ( XXXX ) with reference number from insurance provider and online application history on XX/XX/year>. Received reply on XX/XX/year> to call LexisNexis XXXX XXXX at XXXX. Called the XXXX XXXX on XX/XX/year> and provided my name, date of birth, address, driver 's license and issuing state and case reference number information from insurance provider. After a " brief '' hold, I was told LexisNexis could not verify my identity and that I would need to upload a copy of my driver 's license to the LexisNexis website. At this point this company has online and verbally asked for all that may be needed to steal my identity or run a scam, and now to make it worse, they want a copy of my id with no guarantee that anything will come out of it. I have concerns with that approach. How do I know it is falling in the right hands and will stay secure? If they made an adverse action recommendation to anyone, they should be mandated to share a copy of the report with the person they are making the claim against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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