vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1700.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$16000.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2200.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-10 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: OH

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In the past, which is more than seven years old, I have had credit problems, but because of the federal law which requires credit experiences that are older than seven years are to be removed within a timely matter from ones report I have contacted all three credit bureaus as far back as year XXXX  and ask them to remove Old credit experiences from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Veros Credit, LLC
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX Veros Credit LLC unlawfully ran my credit report via the XXXX credit reporting agency. I never authorized XXXX XXXX Veros Credit LLC to run my credit.XXXX  / Veros Credit LLC violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: OH

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account 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 2025-10-10 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
I am sending these to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collections, closed accounts, and an inquiry associated with a disputed account. Upon review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXX/XX/year> Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any items that I believe to be inaccurate or incomplete and to request that a reasonable investigation be conducted. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information reported in my credit file must be accurate and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
I am sending these to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collections, closed accounts, and an inquiry associated with a disputed account. Upon review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXX/XX/year> Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any items that I believe to be inaccurate or incomplete and to request that a reasonable investigation be conducted. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information reported in my credit file must be accurate and verifiable.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
This correspondence is being submitted on behalf of XXXX XXXX to dispute the following inaccurate and unauthorized accounts currently being reported : XXXX XXXX XXXX - XXXX, Balance {$4100.00} / Limit {$3000.00} XXXX XXXX XXXX - XXXX, Balance {$3900.00} / Limit {$3000.00} XXXX XXXX XXXXXXXX - XXXX, Balance {$3400.00} / Limit {$3000.00} XXXX XXXX  XXXX - XXXX, Balance {$3300.00} / Limit {$3200.00} XXXX XXXX XXXX - XXXX, Balance {$2500.00} / Limit {$3000.00} XXXX XXXX XXXXXXXX - XXXX, Balance {$1900.00} / Limit {$1700.00} XXXX XXXX  XXXX - XXXX, Balance {$1900.00} / Limit {$1500.00} XXXX XXXX  XXXX - XXXX, Balance {$1400.00} / Limit {$1700.00} DXXXX XXXX XXXXXXXX - XXXX, Balance {$1100.00} / Limit {$1100.00} XXXX XXXX  XXXX - XXXX, Balance {$270.00} / Limit {$270.00} XXXX XXXX - XXXX, Balance {$300.00} / Limit {$310.00} XXXXXXXX XXXX XXXXXXXX - XXXX, Balance {$0.00} / Limit {$18000.00} XXXX XXXX XXXX - XXXX, Balances {$290.00} / {$330.00} and {$290.00} / {$290.00} XXXX XXXX - XXXX, Balance {$2300.00} / Limit {$2400.00} Multiple inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX  reported as Negative without permissible purpose or authorization. 

These accounts and inquiries are inaccurate, unverifiable, and were not authorized by the consumer. Under FCRA 602 ( A ), 604 ( A ), 607 ( B ), 611, and 623 ( A ) ( 1 ) ( A ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy and may not report or continue to report information that can not be verified as accurate or was obtained without permissible purpose. 

I also attempted to submit a formal identity theft report through the Federal Trade Commission ( FTC ) as part of this dispute process. However, due to the current government shutdown, the FTCs reporting systems are temporarily inoperable, preventing the completion of the official identity theft affidavit at this time. 

Therefore, I request that these accounts and inquiries be immediately deleted or suppressed from the consumers credit report pending verification and that all creditors be contacted to confirm legitimacy. Please provide written confirmation of your investigation results within the required XXXX period under FCRA 611 ( a ) ( 1 ) ( A ).

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : 1. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2025-10-10 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). 
The accounts in question are : XXXX  OF XXXX, XXXX. XXXX Late Date Reported XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX Late Date Reported XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Late Date Reported XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Late Date Reported XX/XX/XXXX XXXX XXXXXXXX Late Date Reported XXXX XXXX. XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate.

Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Transunion,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to\nbe inaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items\nthat were not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n* Please remove these incorrect address(es) from my credit report immediately. My correct current\naddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I kindly\nrequest the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the Fair\nCredit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiry on Credit Report To Whom It May Concern, According to my most recent credit report, this unauthorized inquiry was conducted. I did not grant any authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I request the immediate removal of these unauthorized credit inquiries in my credit report from the three main credit bureaus.

Below is the item which I am disputing : 1. This inquiry was not authorized. Delete this from my credit report immediately. 
XXXX Date of inquiry : XX/XX/year> The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received some comunications from TD bank saying i have an account with XXXX XXXX and its been more than XXXX  years someone is hanging around with all my information till the point that i can not even get a job because someone who apparently doesnt have the right to work in the united states he probably doing some extra XXXX as always he did with my mother also but i never did no treatments with noone including my personals documents and things like that more than my identity get stolen one day from a place i used to live at and few account from XXXX XXXX was taking and uses with others people purposes, but with no intentions of giving a pleasure of me Being used for a good ending in both parts but theirs, so i need to stop Them one way or other this is my current information XXXXXXXX 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 XXXXXXXX EMAIL : XXXX If any information missing, or needing for anything please contact me back so i can provides

Company response to consumer: Closed with explanation