vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
I am filing this complaint against Experian, Equifax, and TransUnion for violating my rights under the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ).

I have personally sent multiple disputes directly to the credit bureaus regarding inaccurate and unverifiable accounts on my credit report. I wrote these disputes myself and no third party was involved. Each time I provided full proof of my identity Social Security number and address. 

Even after this the bureaus continue to send me stall tactic letters falsely accusing me of having someone else write my disputes. That is completely false. I have proof that I wrote and signed every single one myself. They are using this excuse to delay and avoid their legal responsibility to investigate.

The law under FCRA 1681i ( a ) ( 1 ) ( A ) says they must conduct a reasonable reinvestigation within 30 days of receiving my dispute. Instead every response I get ignores what I actually disputed and just gives me a generic form letter. They have not shown how they verified anything.

I also have the right under FCRA 611 ( a ) ( 7 ) to know the method of verification. That means they are required to tell me exactly how they verified the information, what source they used and on what date. They have not provided this. For example with the bankruptcy and other disputed accounts they refuse to say who gave them the data or how it was verified. The courts do not report bankruptcies directly to the credit bureaus so they should have to say if they used a third party vendor like XXXX or XXXX. Their refusal to answer this is a violation of my rights. 

I will be uploading my original dispute letters, the proof of identity I sent, the stall tactic letters they sent back to me, and the credit reports showing the accounts I disputed. This will prove that I wrote and signed everything myself, that they falsely accused me of using a third party, that they did not complete a proper reinvestigation within 30 days, and that they never provided the method of verification like the law requires. 

These stall tactics are unfair, abusive, and unlawful. I am asking the CFPB to step in and make Experian XXXX  and TransUnion stop sending these false letters accusing me of third party help and require them to actually investigate my disputes within the XXXX  days the law gives them. I am also requesting that they provide the full method of verification for each account including the exact source of the information and that any items they can not properly verify including the bankruptcy be permanently deleted from my credit reports. 

I do not want to keep waiting while they break the law and delay. I want this resolved immediately.

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 2025-09-03 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to XXXX XXXX regarding an inaccurate XXXX late payment reported by XXXX XXXX XXXX XXXX My dispute included my full name, address, SSN, and DOB. XXXX XXXX confirms XXXX XXXX  received it. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), XXXX XXXX  was required to investigate and provide results within 30 days. Instead, they continued reporting the disputed item without providing proper verification. To support my dispute, I obtained documentation from XXXX ( another nationwide CRA ). In their official letter dated XX/XX/year>, XXXX confirmed : Our investigation has determined that the item you disputed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not in our database. At this time, we do not have a consumer report on file for you. This proves the XXXX XXXX XXXX account can not be verified through at least one CRAs investigation. Under FCRA 607 ( b ), XXXX XXXX is required to follow reasonable procedures to assure maximum possible accuracy. Information that can not be verified is not accurate, and therefore must not be reported. Under FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified, the CRA is required to delete it. Despite this clear evidence, XXXX XXXX has failed to remove the XXXX XXXX XXXXXXXX XXXX late payment. Continuing to report unverifiable information is a violation of the FCRA.

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 2025-09-03 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I am disputing several unauthorized hard inquiries that were placed on my credit report without my knowledge or consent. Under FCRA 604 ( a ), a consumer reporting agency may only furnish my credit report with a permissible purpose and my authorization. I never gave written or verbal consent for the following inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX These inquiries are inaccurate, unauthorized, and unverifiable. They violate : FCRA 604 ( a ) No permissible purpose.

FCRA 609 ( a ) ( 1 ) Right to know the source of information.

FCRA 611 ( a ) Right to a reasonable investigation.

FCRA 616 & 617 Liability for willful/negligent noncompliance. 

I have requested proof of permissible purpose and my signed authorization, but no documentation has been provided. These hard inquiries are damaging my creditworthiness unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2025 around XXXXXXXX XXXX XXXX XXXX  XXXX teenagers ( XXXX years ) approached me in XXXX XXXX XXXX XXXX and asked me to donate to their basketball team. They said PayPal would be the best payment method. When I took out my phone and had my PayPal opened, they grabbed my phone and sent a XXXX XXXX {$2000.00} from my account and took off running as fast as they could. I worked with the local police to file a police report. I called my bank and had them freeze my account. I also had my credit card company lock my credit card. I also called PayPal and made them aware of the felony - to which they DID NOTHING to stop the transaction. I've since filed a claim twice, both of which they denied. Even after I uploaded my XXXX and police report number XXXX. This XXXX XXXX ( presumably one of the teenagers ) is a criminal going around fraudulently asking for donations to a fake basketball team and compromising people 's PayPal apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX, XXXX, and TransUnion are reporting false, contradictory, and damaging information regarding an account listed as XXXX XXXX. 

Account details : Creditor : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( TransUnion ) Reported Balances : {$0.00} Reported High Balance : ranges from {$2000.00} to {$3400.00} depending on bureau Status : Reported as Collection/Chargeoff Issues : Contradictory account type reported as Revolving by XXXX  and TransUnion, but as Installment by XXXX. 

Conflicting high balance amounts {$2000.00} vs {$3400.00}. 

Inconsistent activity dates last activity reported differently across all three bureaus. 

False derogatory notations showing late payments and charge-offs even after the account was closed and settled. 

Obsolete reporting derogatory marks are being extended beyond permissible reporting periods, in violation of the FCRA. 

These inconsistencies prove that the information being reported is inaccurate, unverifiable, and misleading. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists to continue reporting derogatory, contradictory data.

605 ( 15 U.S.C. 1681c ) Prohibits obsolete and inaccurate adverse information.

607 ( 15 U.S.C. 1681e ) Requi
res credit bureaus to implement procedures to ensure accuracy.

609 ( 15 U.S.C. 1681g ) I am entitled to proof of this account ; none has been provided.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting data they know or should know is inaccurate.

FDCPA ( Fair Debt Collection Practices Act ) : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in credit 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 non-monetary relief
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am disputing several unauthorized hard inquiries that were placed on my credit report without my knowledge or consent. Under FCRA 604 ( a ), a consumer reporting agency may only furnish my credit report with a permissible purpose and my authorization. I never gave written or verbal consent for the following inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX These inquiries are inaccurate, unauthorized, and unverifiable. They violate : FCRA 604 ( a ) No permissible purpose.

FCRA 609 ( a ) ( 1 ) Right to know the source of information.

FCRA 611 ( a ) Right to a reasonable investigation.

FCRA 616 & 617 Liability for willful/negligent noncompliance. 

I have requested proof of permissible purpose and my signed authorization, but no documentation has been provided. These hard inquiries are damaging my creditworthiness unlawfully.

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 2025-09-03 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: PR

Complaint narrative:
I am disputing several unauthorized hard inquiries that were placed on my credit report without my knowledge or consent. Under FCRA 604 ( a ), a consumer reporting agency may only furnish my credit report with a permissible purpose and my authorization. I never gave written or verbal consent for the following inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX These inquiries are inaccurate, unauthorized, and unverifiable. They violate : FCRA 604 ( a ) No permissible purpose.

FCRA 609 ( a ) ( 1 ) Right to know the source of information.

FCRA 611 ( a ) Right to a reasonable investigation.

FCRA 616 & 617 Liability for willful/negligent noncompliance. 

I have requested proof of permissible purpose and my signed authorization, but no documentation has been provided. These hard inquiries are damaging my creditworthiness unlawfully.

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 2025-09-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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