vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am filing a formal complaint against Equifax/Expirian/TransUnion or XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Dept Collection Practices Act ( FDCPA ). My credit report shows inaccurate and duplicated accounts, including XXXX XXXX XXXX XXXX XXXX charged off the account, and XXXX XXXX is now reporting it. Both reporting same balance ( {$680.00} ), which is illegal per FCRA 623. Only one can report balance. This is misleading lenders and inflate my debt. 

XXXX XXXX XXXX same as above : XXXX charged off, midland now collecting. Multiple entries showing {$1700.00} owed by both, potentially duplicative reporting.

Violation FCRA 607 ( b ) Inaccurate reporting ; FDCPA 807 ( 2 ) ( A ), misleading representation.

These are being reported by both the original creditor and collection agency for the same debt. Additionally, some accounts are showing incorrect payment history, re-aged debt beyond the statutory 7-year limit, and incorrect dispute resolution updates. These issues are impacting my creditworthiness and are not being properly corrected.

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 2025-08-01 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: GA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-08-01 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate XXXX ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CT

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: RI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I submitted a dispute to Experian regarding an account that appeared on my credit report, requesting a reinvestigation under FCRA 1681i ( a ). The disputed item originates from a company that I contacted directly, requesting full validation and verification of the alleged account and debt under my rights established by the FCRA and other consumer protection statutes.

Despite my lawful request, the furnishing company failed to provide any of the requested documents or verification. They did not validate the accuracy, ownership, or liability of the alleged debt. However, Experian continued to report this information on my credit report without receiving any substantiating evidence from the furnisher, which is a clear violation of FCRA 1681i and 1681e ( b ), which require reasonable procedures to assure maximum possible accuracy.

By failing to remove or correct the information after being notified of the disputeand in the absence of verificationExperian is willfully or negligently furnishing and maintaining inaccurate and unverified information in my consumer file. This has resulted in harm to my creditworthiness, personal reputation, and financial opportunities.

Experian is in violation of the following consumer protection laws : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Furnishing information without proper investigation and verification after notice of dispute. 

I request that the CFPB conduct a full investigation into XXXX practices, compel them to remove the unverifiable and inaccurate information, and take appropriate enforcement action to ensure compliance with federal law. 

Attached are copies of my dispute letter, proof of delivery, and documentation showing the lack of response from the original creditor/furnisher.

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 2025-08-01 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: RI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I submitted a dispute to Experian regarding an account that appeared on my credit report, requesting a reinvestigation under FCRA 1681i ( a ). The disputed item originates from a company that I contacted directly, requesting full validation and verification of the alleged account and debt under my rights established by the FCRA and other consumer protection statutes.

Despite my lawful request, the furnishing company failed to provide any of the requested documents or verification. They did not validate the accuracy, ownership, or liability of the alleged debt. However, Experian continued to report this information on my credit report without receiving any substantiating evidence from the furnisher, which is a clear violation of FCRA 1681i and 1681e ( b ), which require reasonable procedures to assure maximum possible accuracy.

By failing to remove or correct the information after being notified of the disputeand in the absence of verificationExperian is willfully or negligently furnishing and maintaining inaccurate and unverified information in my consumer file. This has resulted in harm to my creditworthiness, personal reputation, and financial opportunities.

Experian is in violation of the following consumer protection laws : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Furnishing information without proper investigation and verification after notice of dispute. 

I request that the CFPB conduct a full investigation into XXXX practices, compel them to remove the unverifiable and inaccurate information, and take appropriate enforcement action to ensure compliance with federal law. 

Attached are copies of my dispute letter, proof of delivery, and documentation showing the lack of response from the original creditor/furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my personal checking account without providing any prior warning, notification, or explanation. I only discovered the issue when I attempted to log in and received a message stating my account was locked. I called the number provided on XX/XX/year>, completed identity verification, and was then told that my account had been closed permanently and that Chase would no longer do business with me in the future again, with no explanation. 

Details : I was not given any advance notice via email, mail, phone, or app notification about the closure. 

Chase has refused to provide a reason, stating it was an internal decision. 

I have been a responsible account holder and have never encountered similar issues with other financial institutions. 

I had direct deposits scheduled to this account, which may now be disrupted, causing financial hardship. 

When I asked how to avoid such issues in the future ( especially since my spouse also banks with Chase ), I was told that this information is not disclosed. 

I am requesting a clear explanation, and assurance that my remaining funds and any incoming deposits will be handled appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received court documents on my front door step regarding a credit card from XXXX XXXX XXXX under my name, an I never open an account with this store. The account does appear under my credit report, however I was unaware of this account until I was served with court documents. Payments made under the aforementioned account were made towards the account and stopped, leaving with an outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I sent your company a letter disputing the account number XXXX with XXXX XXXX XXXXXXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. XXXX XXXX XXXXXXXX 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 2025-08-01 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute regarding an account listed on my credit report that is not associated with me in any way. I have no recollection of ever applying for, opening, or using this account, and it has never appeared in any of my past records until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 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: IL

Complaint narrative:
am filing this complaint regarding inaccurate and unverified collection accounts currently being reported on my credit file by all three major credit bureaus : TransUnion, Equifax, and Experian. 

The accounts in question are : XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$430.00} These accounts are being reported without proper verification and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 609 ( a ) ( 1 ), I have the right to request the full verification and source of any account reported on my credit file. To date, I have not received any documentation validating the accuracy or ownership of these debts.

Furthermore, according to FCRA 611 ( a ), credit bureaus are required to conduct a reasonable reinvestigation and delete any account that can not be verified within 30 days. Despite initiating disputes, these accounts remain on my report with no proof provided and no meaningful investigation completed

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 2025-08-01 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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since XX/XX/year>, I have contacted SPS repeatedly about a {$6300.00} Escape Tax Bill due by XX/XX/year>. I made phone calls, sent multiple emails, and submitted a formal RESPA Notice of Error via certified mail, which SPS acknowledged receiving well in advance of the deadline. I had more than {$15000.00} in escrow at the time, which I have a record of. 

Despite this, SPS failed to pay the tax bill on time. As a result, I was forced to pay the bill twice once through my regular escrow payments, and again personally via credit card on XX/XX/XXXX after SPS failed to act. This placed me at unnecessary risk of default and caused me to incur {$580.00} in penalties and a {$130.00} credit card fee. 

SPS later falsely claimed in writing that they had paid the tax bill on XX/XX/XXXX. However, I obtained written confirmation from the XXXX XXXX XXXX XXXX Collector that SPS never made or even attempted payment. 

Separately, in early XXXX, SPS also illegally removed {$5700.00} from my escrow account without explanation. I submitted a second RESPA Notice of Error on XX/XX/year>, which has also gone unanswered to date by SPS, despite confirmation of them having received it via Certified Mail as well as their written acknowledgement of having received it. 

On XX/XX/year>, I filed a small claims lawsuit in XXXX XXXX to recover the late penalties, credit card fee, and RESPA statutory damages. Shortly after I filed the lawsuit, SPS retaliated by blocking my ability to make online payments something I had been doing for years without issue. I have unfortunately been forced to use SPS for many years ; not until I sued them did they retaliate and block my online payment access and they did so with zero explanation, further increasing the risk of delinquency and making it abundantly clear this was a retaliatory action designed to cause undue harm.

Notably, my ability to pay online was revoked the same day that SPS sent me a letter acknowledging my recent lawsuit. This is part of a very extensive history of SPS mismanaging escrow funds conduct for which the company has already been ordered to pay over {$40.00} XXXX in penalties and consumer redress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 contacting you to dispute a false account that appears on my credit file. I did not open this account, nor did I authorize anyone to do so on my behalf. Its inclusion is a serious error that must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: 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. 
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

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