vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I formally initiated a dispute regarding several inaccurate credit reporting entries. This dispute, submitted both via mail and online, included supporting documentation : a copy of my bankruptcy discharge letter and creditor information demonstrating that the reported balances should be XXXX and removed from my credit report. 

On XX/XX/year>, Experian responded via email, maintaining that the reported information is accurate and will remain on my credit file. I respectfully disagree with this assessment. The information reported is demonstrably incorrect, and I request a prompt review and subsequent removal of these inaccurate entries. I would appreciate confirmation of the steps Experian will take to rectify this matter.

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 2025-08-08 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: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Collection Account Name : Untitled Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I believe this late payment is a reporting error and request that it be corrected and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX {$220.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Balance : {$6300.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FIN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Kikoff Inc.
State: AZ

Complaint narrative:
I am disputing inaccurate late payment reporting by Kikoff. The account in question was paid in full and closed, yet Kikoff is falsely reporting either a XXXX or XXXX late payment, which is damaging my credit report. This is not a car loan or a repossession this is a credit reporting error regarding a fully paid installment account. 

I have attached screenshots showing the account status, as well as proof that it was paid in full. I have attempted to resolve this with the company directly, but the incorrect late payment remains on my credit report. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital 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 to be removed/updated. 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. 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!

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 2025-08-08 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: GA

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 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 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: PA

Complaint narrative:
i have never received any money from XXXXXXXX XXXX or XXXX XXXX. which ever the company is. it has an amount of over XXXX dollars. there are XXXX separate accounts from this company on my credit report. I have never received a sing dime from this place. looking at the response the XXXXXXXX XXXX, it says it was a loan. Again I've never took a loan out nor did I receive a dime.im aware of this company somewhat however I have neve got any loan or money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Here are the reasons why we declined your application XXXX, We received your Checking account application, but we cant approve it right now. This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans ( like credit cards or mortgages ). This report was pulled on XX/XX/scrub>XXXX XXXX XXXX 

We declined your application because your XXXX XXXX deposit score is XXXX ( on a scale of XXXX ), which we consider to be a higher-risk score. According to XXXX XXXX these are the major factors impacting your score : Number of accounts in a high risk status Average days account ( s ) open The number of different banks inquiring during the last 2 years The consumer currently has no accounts in open and present status Our decision was based in whole or in part on information obtained from XXXX XXXX XXXX XXXX did not make the decision to decline your application and is unable to provide the specific reasons about why it was declined. 

If you have questions about the XXXX XXXX report, you can get a free copy of it within the next 60 days. If theres a mistake on the report, you can dispute it with them. 

XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX. 

XXXX, AZ XXXX Phone : XXXX We know this isnt the news you were hoping for. If you want to reapply later, well look at any improvements to your banking history and reconsider your application. If you have additional questions, call us at XXXX, XXXX XXXX XXXX XXXX  7 days a week. Well be happy to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against transunion for reinserting a previously deleted item into my credit report without providing written notice within XXXX business days, which violates FCRA Section 611 ( a ) ( 5 ) ( B ). This item had been removed following a dispute. XXXX  reinserted it without alerting me as required. Additionally, the CFPB has recently alleged that XXXX  engages in improper reinsertion of inaccurate information and faulty dispute handling. This directly supports my experience. I am requesting an investigation and enforcement action if appropriate.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have a checking account at chase, XX/XX/XXXX XXXX they restrict my account for a week saying they want to verify a check, after a week they told me they can not keep open my checking account, i did not understand why, and they freeze my {$6000.00} and they didn't want to release the funds to again : they close my account without a legally reason and they freeze my money i asking they should open back my checking account and release my funds

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

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 2025-08-07 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 recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. This is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. This is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Only request that my hard inquiries will deleted, It should be all soft inquiries.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are being inaccurately reported by furnishers and the three major credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts are paid and closed, yet the furnishers and CRAs are reporting conflicting dates, inconsistent statuses, and ongoing derogatory information after closure, which is materially inaccurate and misleading to potential creditors. These errors violate FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 623 ( a ) ( 5 ) ( accurate DOFD ), and FDCPA 807 ( misrepresentation of debt status ).

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

Complaint narrative:
Transunion, Experian, & Equifax are reporting a collection account that does not belong on my credit report. I have never agreed to pay this company nor done any business that would warrant repayment. Furthermore federal law states each credit bureau is required to send out a notice every 30 days giving me the option to opt out of the information being reported. I have not received any such notice from either credit bureau. I demand this account be deleted or I will have to pursue this matter in a court of law. 

XXXX XXXX  Account # XXXXXXXX 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 2025-08-08 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a formal dispute to Equifax regarding an account that contains inaccurate and inconsistent information. Specifically, the account shows incorrect information on the balance, payment history, last date of activity and etc. which does not match my records or the information reported by the original creditor. Despite my request for verification, Equifax failed to provide proper documentation or correct the reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information be accurate and verifiable.

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

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( via XXXX  portal ) Re : Complaint Against Equifax and XXXX XXXX XXXXXXXX XXXX for Inaccurate Credit Reporting on Account XXXX XXXX Dear CFPB : I am filing a complaint against Equifax and XXXX XXXX XXXXXXXX XXXX  for inaccurate, incomplete, and misleading information on account XXXX XXXXXXXX, reported on my Equifax credit report dated XX/XX/XXXX, and potentially on XXXX XXXX XXXX Despite over XXXX disputes since XXXX, Equifax and XXXX have failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ). 

Inaccuracies include : - No payment history for XXXX XXXX despite account opening XX/XX/XXXX. 

- XXXX XX/XX/XXXX contradictory with on-time XX/XX/XXXX payment. 

- No XXXX or XXXX late reported, skipping required delinquency progression per Metro-2 guidelines. 

- " No data '' for XX/XX/XXXX creates an incomplete history. 

- " XXXX '' reported repeatedly XXXX XXXX XXXX improper as charge-off status should be fixed. 

- On-time payments XXXX XXXX XXXX  impossible post-charge-off. 

- Last payment XX/XX/XXXX conflicts with later payment shown. 

These errors have caused significant harm : a XXXX FICO score, multiple credit denials, higher interest rates, XXXX XXXXXXXX in mitigation costs ( e.g., credit monitoring ), and emotional distress ( XXXX XXXX XXXX  ). Equifax and XXXX failure to investigate or correct these verifiable inaccuracies violates FCRA 611, 623 and FCCPA 559.72. I am mailing a dispute to Equifax via certified mail on XX/XX/XXXX, to ensure prompt deletion. 

Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant Equifax credit report pages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  IXXXX XXXX XXXX\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in\nmy name.\n\nThe fraudulent account that I have identified on my credit report are as follows:\n1. XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX 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