vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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 2025-08-19 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: PR

Complaint narrative:
On XX/XX/scrub> 2025

, I submitted a formal dispute to EQUIFAX under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ). More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period. Provide the results of the reinvestigation and the verification procedures. Remove unverifiable information from my report. As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Arbitration Matters Pending XXXX  XXXX XXXX XXXX ( Case No. XXXX ) Violations : Right to Privacy : 15 USC 1681 ( a ) ( 4 ) Permissible Purpose : 15 USC 1681 ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) I am putting your agency on notice that my credit report contains fraudulent accounts that have severely damaged my FICO credit scores. Enclosed are documents from Experian and XXXX  verifying that my personal information was compromised in a breach. Under the full authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand removal of these fraudulent accounts and all associated inquiries. I refer to the following accounts : a ) XXXX  XXXX XXXX. XXXX XXXX. XXXX. Date Filed : XXXX XXXX  ) XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX c ) XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX d ) XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX ) XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX f ) XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX You are directed to initiate a comprehensive investigation into this matter. It is imperative that you rectify the inaccuracies in my credit report without delay. I require written confirmation that this account has been expunged. It is important to note that I never provided authorization for the reporting of this debt.

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 2025-08-19 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: MD

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$32.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$91.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-19 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 submitting this response regarding XXXX XXXX response to CFPB XXXX and their continued false reporting of an alleged debt. 

XXXX XXXX provided a bill of sale and billing statements ; however, this does not constitute a valid Method of Verification ( MOV ) as required under the Fair Credit Reporting Act ( FCRA ). Furthermore, they are reporting inconsistent balances : XXXX XXXX claims the alleged debt is {$820.00}. 

My credit report reflects a balance of {$820.00}. 

This discrepancy, no matter how small, demonstrates a failure to maintain maximum possible accuracy under the FCRA. 

Additionally, the alleged original creditor could not confirm this account, leaving XXXX XXXX without proper validation to report or collect on it. Continuing to report unverified and inaccurate information constitutes false reporting, negligence, and violations of the FDCPA. 

I am demanding that this account be immediately deleted from all of my credit reports. Should XXXX Associates fail to comply, I will have no choice but to pursue legal action against the company for ongoing violations of federal 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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom it May Concern : I am writing to TD Bank regarding their demand that I immediately repay them the entire amount that you mistakenly deposited in my checking account. 

I have a TD Bank account with the number XXXX. 

In XX/XX/XXXX, I learned that TD Bank froze my account. I went to the bank immediately. After a few hours, TD personnel finally found out that the problem was that someone had been depositing money into my account by accident. The teller had never encountered this problem before. They told me it was unlikely that whoever deposited the money would come looking for it. 

At this point, I had already spent the money. It was my first month of gig work for a new company and I thought that the deposits had come from them since it was deposited right after my second job with them. I had so little work that month that I had already spent it on groceries and rent by the time I was contacted by you. My account statement shows the following deposits which I assume are what you are demanding repayment of : XX/XX/XXXX : XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX XXXX XX/XX/XXXX : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I was later called by someone who identified themselves as " XXXX XXXX '' from the NJ XXXX XXXX TD Bank branch. I did not get an exact spelling of her name, but I do have the branch phone number she called me from : XXXX ( XXXX ) XXXX XXXX. She said that she'd try and negotiate a way for me to pay back the bank in monthly installments. I have never been to the NJ XXXX XXXX TD Bank office so I do not know why she was involved. 
On XX/XX/XXXX, she called me back to inform me that the other bank would not accept monthly installments. They demanded that both installments be paid in full. 

While I paid the initial sum of {$420.00} for the first installment, I am unable to pay such a large sum as {$1900.00} unless I can do it in installments. I can afford to pay you {$200.00} per month until the remaining {$1900.00} is paid off. I think this proposal is more than fair given that it was you or some entity you worked with who made the wrongful deposits and you have never been able to explain why this happened. In fact, you have never given me anything in writing about this whole situation. Instead you had a person I dont know from a bank I have never been to tell me over the phone that I have to pay the entire sum immediately. 

Thank you for your assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
On XX/XX/year>, I disputed the accuracy of the account ( s ) associated with a reported 1099-C ( Cancellation of Debt ) that appears on my credit file, XXXX. Your response indicated that the information was verified.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), I am requesting the method of verification used in your investigation. Specifically : 1. The name, address, and telephone number of each creditor, furnisher, or source you contacted regarding the 1099-C ; 2. A description of the procedures used to verify the accuracy of this reporting ; 3. Copies of all records, communications, or documents provided by the furnisher, including any copy of the actual 1099-C form used to substantiate the debt.

If you are unable to provide this information, then the reporting of this alleged 1099-C can not be verified and must be deleted from my credit file under the Fair Credit Reporting Act.

Please respond within the time allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 2025-08-19 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: AL

Complaint narrative:
On my Experian credit report, I identified several inaccurate, unverifiable, and misleading entries : XXXX XXXX ( Auto Loan ) Reported as charged-off and sold, but still listed as derogatory with conflicting dates and balance history. This is misleading and violates 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX reporting of the same {$9400.00} debt from XXXX XXXX, which is inaccurate and misleading under 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reports a {$790.00} collection. This account was previously disputed and marked as such, yet continues to report without proof, violating 1681i ( a ). 
XXXX XXXX Experian lists multiple addresses that do not belong to me. The only correct address is XXXX XXXX XXXX, XXXX XXXX, AL XXXX. 
Unauthorized Inquiries Experian lists multiple inquiries ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ) that I did not authorize, in violation of 1681b ( f ).

Experian has failed to reasonably investigate or delete unverifiable data as required under 1681i ( a ) ( 1 ) ( A ).

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 2025-08-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  # XXXX -Balance {$72000.00} - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$3600.00} - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am unable to access my Experian account. I am unable to create a new account. I am unable to perform a password reset. Over the past 6 months I have called the automated system multiple times. It continues to refer me back to the online system, which does not work. Eventually it just hangs up on me. I have mailed a letter to them explaining that I am unable to access my account. It has been 6 months and they have not replied. I have managed to say the correct things twice to speak to a person. In the first case I was told that I needed to talk to another department and she would transfer me. I was put back into the phone tree and unable to speak to a representative before the system hung up on me. I was able to call back and put a freeze on my account and they mailed me a PIN to use to unfreeze my credit in the future, so since I accomplished my immediate task I gave up, until I needed to unfreeze my credit. Then I went through the process again. Multiple phone calls, attempts to reset a password online, attempts to create a new account and more that XXXX hours trying to get a person because the online system is broken. Eventually I found a phone number for an office in XXXX XXXX. I did manage to get a person on the phone who gave me the " correct ' prompts to get a person in the auto phone system. So I called and tried the phone tree. Still no luck. Called the phone in XXXX XXXX again and got a person. Essentially I have an account. They have the correct phone number for the account. Their system is not sending me a password reset because I didn't access the account for too many years. I can't reset it. They can't reset it. She was able to help me unfreeze the credit since I had the PIN that was mailed to me, but I can't access my credit report, I can't log in to experian. I have no idea what information they have. I have to spend hours dealing with them each time I want to apply for credit or freeze credit.

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