vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ).

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
This has been my personal experience. 

On XX/XX/year>, I disputed a collection account ( XXXX XXXX XXXX ) on my credit report, as I believe the information is inaccurate/incomplete. As part of my dispute, I formally requested a description of the reinvestigation procedure, as required under 15 U.S.C. 1681i ( 7 ).

According to this law, if a consumer requests this information, the credit bureau must provide it within 15 days. However, as of today XX/XX/year>, I have not received an accurate report or the required documentation. This is a clear violation of the FCRA. This is the THIRD time I ask for reinvestigation and Experian has failed to provide ; with being told meets requirement but NO PROOF or REPORT given proving invalidity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
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 Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-09 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MT

Complaint narrative:
I am a XXXX Veteran and had a medical issue. The origin of the debts owed are a result of the health care facilities not following up on this and requesting proper payment through the VA XXXX XXXX XXXX. Instead they went after me and subsequently have destroyed my debt. When I contacted them to inform them of this I was met with a very unfriendly individual who said that it would stay on my credit report and that they would do nothing about it. 

Origin of the debt : App of Tennessee PLLC Current Debt Carrier : National Recovery Agency Date of debt account opening : XX/XX/year> Amount owed : {$1100.00}

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX / Resurgent Capital XXXX am disputing a collection account being reported by XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). The account is scheduled to remain on my credit report until XX/XX/year>, but appears to have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 
The original Date of First Delinquency ( DOFD ) is unclear, but the current reporting implies a restart of the XXXX timeline without any legal justification. I submitted a dispute to Experian, which responded that the account was " verified '' without providing documentation or a valid explanation of how they verified the account ( in violation of FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ). 
I also sent a debt validation request to XXXX Funding/Resurgent Capital under FDCPA Section 809 ( b ) and have not received full validation, proof of ownership, or the original agreement to collect this alleged debt. 
I am requesting that the CFPB compel the furnisher and the credit reporting agency to : Provide proper validation and verification documents, Clarify the original XXXX used for reporting, Immediately correct or remove the account if it is unverifiable or inaccurately re-aged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: KS

Complaint narrative:
I am submitting this complaint to formally notify the Federal Trade Commission of a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, committed by Equifax, Experian, and TransUnion the three major U.S. consumer credit reporting agencies. 

My personal data was compromised in a data breach, allegedly due to insufficient data protection and negligence in fulfilling their statutory obligations as consumer reporting agencies. This breach has resulted in the unauthorized exposure of sensitive information, creating risks of identity theft, fraud, and long-term financial harm. 

XXXX Grounds for Complaint : According to 15 U.S.C. 1681 ( a ), Congress found that : The banking system is dependent upon fair and accurate credit reporting, and inaccurate or compromised data impairs this efficiency and public trust.

Consumer reporting agencies have assumed a vital role in assembling and evaluating sensitive information and therefore bear serious responsibility.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer privacy.

Under 1681 ( b ), it is explicitly the purpose of this subchapter to require that these agencies adopt reasonable procedures to ensure confidentiality, accuracy, relevance, and proper utilization of consumer data.

Allegations : Equifax, Experian, and TransUnion have failed to implement reasonable procedures to protect consumer data as mandated by the FCRA. This failure violates the principles of confidentiality, accuracy, and proper utilization of personal consumer information and has placed me, and countless other Americans, at significant risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am submitting this complaint to formally notify the Federal Trade Commission of a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, committed by Equifax, Experian, and TransUnion the three major U.S. consumer credit reporting agencies. 

My personal data was compromised in a data breach, allegedly due to insufficient data protection and negligence in fulfilling their statutory obligations as consumer reporting agencies. This breach has resulted in the unauthorized exposure of sensitive information, creating risks of identity theft, fraud, and long-term financial harm. 

XXXX Grounds for Complaint : According to 15 U.S.C. 1681 ( a ), Congress found that : The banking system is dependent upon fair and accurate credit reporting, and inaccurate or compromised data impairs this efficiency and public trust.

Consumer reporting agencies have assumed a vital role in assembling and evaluating sensitive information and therefore bear serious responsibility.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer privacy.

Under 1681 ( b ), it is explicitly the purpose of this subchapter to require that these agencies adopt reasonable procedures to ensure confidentiality, accuracy, relevance, and proper utilization of consumer data.

Allegations : Equifax, Experian, and TransUnion have failed to implement reasonable procedures to protect consumer data as mandated by the FCRA. This failure violates the principles of confidentiality, accuracy, and proper utilization of personal consumer information and has placed me, and countless other Americans, at significant risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXXXXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, and an auto loan account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the 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 non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$610.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCED {$5100.00} XXXX DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX GA ) XXXX BALANCED {$5700.00} XXXXXXXX XXXX XXXX  ( Original Creditor : THE PHOTO STUDIO GROUP ) XXXX BALANCED {$2500.00} XXXX XXXX XXXX BALANCED {$740.00} XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions.

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a 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 2025-04-09 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, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted XXXX XXXX, XXXX and asked for them to investigate and remove the inaccurate account ( XXXX ) from my consumer reports that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I have included proof of my current address and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing an on-going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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