vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
CFPB Complaint Draft Experian FCRA Violation & Negligence Subject : Formal Complaint Against Experian Refusal to Properly Investigate, Verify, or Remove Inaccurate Information ( FCRA 607 ( b ), 611 ( a ) ) Summary : Experian continues to report a charged-off account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that was sold to a third-party collection agency ( XXXX XXXX ) XXXX provided written proof of the sale, yet Experian refuses to delete or even properly reinvestigate the entry. Within XXXX ( XXXX ) days of my dispute, Experian marked the account as verified, which is not possible given the timeline and lack of documentation. 
Additionally, Experian continues to report false personal information, including an incorrect middle name ( XXXX ), despite multiple correction requests. 
These actions are blatant violations of the Fair Credit Reporting Act, specifically : * FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

* FCRA 611 ( a ) : Failure to conduct a proper and reasonable reinvestigation.

* FCRA 623 ( b ) : Continued reporting of information known to be inaccurate or unverifiable. 

Details : * Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Ending : XXXX * Incorrectly reported as : Charge-off, unpaid * Disputed on : XX/XX/year> * Marked verified on : XX/XX/year> * Proof provided : Written notice from Celtic Bank/Continental XXXX XXXX XXXX XXXX XXXX XXXX Harm Caused XXXX This inaccurate and unlawfully reported account has severely damaged my credit score, preventing me from accessing basic financial opportunities, renting housing, and rebuilding my credit.Experians negligence in verifying or correcting false data has caused emotional distress and measurable financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that appear on my credit report. These accounts were not opened or authorized by me and are the result of identity theft. 
The fraudulent accounts are as follows XXXX XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
This follow-up pertains to a dispute I submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning multiple inaccuracies on my credit report that have yet to be properly addressed. Despite my previous request for a reinvestigation, I have not received any meaningful updates or clear explanations, and the disputed information remains unchanged. Upon reviewing my credit report, I found several entries that are either unverifiable, misleading, duplicated, or factually inaccurate. For example, there is a medical account with a listed balance of {$3300.00} and a {$0.00} payment amount, reported under XXXX XXXX XXXX XXXX, with the original creditor noted as XXXX XXXX XXXX XXXX XXXX. Additionally, there are questionable entries involving XXXX  with a reporting date of XX/XX/year> ; XXXX  accounts appearing with two separate dates, XX/XX/year>, and XX/XX/year> ; XXXX XXXX reporting on those same two dates ; and two entries for XXXX XXXX, both dated XX/XX/year>. Further duplications and inconsistencies appear under XXXX XXXX XXXX XXXX, also dated XX/XX/year>, and XX/XX/year>. I also noticed addresses on file that are unfamiliar or potentially outdated, including XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and XXXX XXXX XXXX, XXXX, SC XXXX. These inaccuracies are not only unreflective of my actual financial behavior, but they are also causing harm to my credit profile.

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 2025-10-16 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-16 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-16 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: PA

Complaint narrative:
It is heartbreaking to see that the inaccurate accounts continue to show on my credit reports and that nothing has been taken off. I truly hope you will look over the documents I have attached with care so that I can have peace of mind once and for all.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I send payments on time, they are put on hold and not credited to the account sometimes 2 weeks after funds have been with drawn from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
Submitted home loan modification several times kept getting denied because the mortgage was in my mother 's name. The home was family transferred by quit claim deed the day before she passed away. She was alive when she transferred the home by quit claim deed but passed away the next day. Carrington refused to talk to me and never allowed me to do what I should have been able to do. Repeatedly denied me access and Repeatedly denied the loan modification process. Finally denied me the last two times saying the home should have gone through probate. Denied me as successor of interest paper work and continuing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: I.C. System, Inc.
State: AZ

Complaint narrative:
After looking over my 3 credit reports the accounts are inaccurate, unverifiable, and in violation 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 explanation
Consumer complaint received 2025-10-16 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: 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. 

XX/XX/XXXX-- {$1500.00} XX/XX/XXXX{$3300.00} XX/XX/XXXX{$960.00}

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 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX that was issued on XXXX XXXX stating that I owe {$4200.00} to A-L Financial Corp and that there is a judgment against me from XXXX but for some reason on my credit they had reopened in XXXX. Given false information on my credit when it was opened in XXXX not XXXX & a balance is owed of the amount $ XXXX is false. The letter also mentions a possible Writ of Execution. 

I have not been contacted about this debt or judgment in nearly seven years, and this is the first time since XXXX that the company has reached out. I have serious concerns that this communication may violate the Fair Debt Collection Practices Act ( FDCPA ) and XXXX  XXXX Fair Debt Collection Practices Act, as it may be misleading, threatening, and lacking proper validation. Especially with unprofessionally statement of this letter. 

The company did not provide any current verification of the debt, nor have they provided documentation of any court renewal or proof that they are legally entitled to collect. 

I am requesting that the CFPB XXXX XXXX XXXX XXXX collection practices to ensure they are following all federal and state consumer protection laws and that they provide me with full validation of this alleged debt and judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: LA

Complaint narrative:
I regret to inform you that I must dispute the accounts mentioned in my consumer credit report due to their association with potential fraud or unauthorized activity. I respectfully request verifiable evidence bearing my signature/electronic signature. This letter represents my personal request, and I emphasize the importance of reviewing it thoroughly. The actions taken without proper validation or original proof by the reporting companies have infringed upon my consumer rights under FCRA Section 604. I express my disappointment and concern over the unauthorized inquiries and actions taken regarding my accounts. These actions have caused me significant distress and demand a prompt resolution in line with the Fair Credit Reporting Act. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
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 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Genesis Finance reported my auto loan opened XX/XX/XXXX and charged off XX/XX/XXXX ( {$51000.00} written off ). Despite the charge-off, they continue updating the account monthly with a {$22000.00} past-due balance ( XX/XX/XXXX per Experian ). 

This is inaccurate and misleading because : ( 1 ) A charged-off debt can not keep updatingthis is re-aging under 15 U.S.C. 1681i and 1681s-2 ; ( 2 ) It shows both written off and a current balance = double reporting ; ( XXXX ) This was a secured loan, so my signature and vehicle collateral already satisfied the obligation once Genesis exercised its security interest ; ( 4 ) Genesis listed {$51000.00} as written off, making it taxable income under 26 U.S.C. 61 ( a ) ( 12 ) income can not appear on a credit report ; and ( 5 ) no Form 1099-C was ever issued as required by 26 U.S.C. 6050P.

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 2025-10-16 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have reached out to XXXX XXXX XXXX multiple times since early XXXX  regarding an alleged Bank of America XXXX account they are reporting to the credit bureaus as a charge-off. Despite several requests for written validation of the debt, they have never provided any documentation or response. 

My most recent attempt to contact them was in XX/XX/year>, sent by email, and I have not received a reply since. They no longer send letters by mail and have not acknowledged any of my prior messages. 

XXXX XXXX XXXX continues to report the account as a charge-off on my credit report without ever validating or verifying the alleged balance. This is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which requires them to cease collection activity until proper verification is provided.

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 2025-10-16 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have no arrangement or contact with the company they was nothing show any contracts or signatures by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/ This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$16000.00}, XXXX XXXX XXXX XXXX XXXX  {$9000.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE XXXX {$3900.00}, XXXX XXXX XXXX BALANCE : {$650.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-10-16 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:
XXXX happened. When i request a dispute they literally the very next day send me a latter stating that they verified all of the information as confirmed and corrected. That isnt even possible to do in less then XXXX hours. I have requested so much information from the debt buying companies that they refuse to provide to me. This is my last resort. Not only Experian, Transunion and Equifax are all at fault. They have never done a fair investigation. When i ask for a reevaluation they never provide it.

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 2025-10-16 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: TX

Complaint narrative:
XXXX happened. When i request a dispute they literally the very next day send me a latter stating that they verified all of the information as confirmed and corrected. That isnt even possible to do in less then XXXX hours. I have requested so much information from the debt buying companies that they refuse to provide to me. This is my last resort. Not only Experian, Transunion and Equifax are all at fault. They have never done a fair investigation. When i ask for a reevaluation they never provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year> XXXX placed a unauthorized hard inquiry on my credit reports. I contacted credit bureaus to dispute and they also suggested I contact the company ( XXXX ) to inform them there has been fraud activity regarding this inquiry. XXXX stated they have no record of application or account in my name or social security number.

Company response to consumer: Closed with non-monetary relief