vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
I am filing a complaint against Experian and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian and Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian and Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-23 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: NC

Complaint narrative:
Subject : Complaint against XXXX XXXX for improper Credit Reporting to the XXXX XXXX ; EXPERIAN, TransUnion ; Equifax and Unverified Debt Collection Dear CFPB Representative, I am filing this Complaint against XXXX XXXX for improperly reporting late payments, failing to verify the legitimacy of the debt they claim I owe, and violating their own arbitration clause while allowing third party debt collectors to pursue collections efforts.

Issues with Late Payment Reporting : ______________________________ XXXX XXXX Closed this account XX/XX/XXXX, and Charged off this debt approximately XX/XX/XXXX but continued to report late payments to credit reporting agencies even in XXXX of XXXX. These late payments have not been properly investigated or legally verified, yet they are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), Information reported to credit agencies must be accurate, and this ongoing reporting of late payment after a Charge-off is misleading. 

Issues with Debt Collection and Arbitration Clause : ______________________________ Additionally, XXXX XXXX has a binding Arbitration clause in effect for disputes, yet they have sent this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; a third party debt collector to pursue payment. This contradicts the Arbitration Agreement and raises concerns about whether the debt collection efforts are legally valid. Furthermore, this account has been charged-off and is being reported on my credit report when this debt has not been fully investigated as legally mines under the Fair Debt Collection Practices Act ( FDCPA ). 

REQUESTED ACTION ______________________________ I respectfully request that the CFPB Investigate and take corrective action against XXXX XXXX, Specifically : 1 ) Immediately cease and remove all late payments reporting from my credit reports, these charges have not been properly verified as legitimate.

2 ) Provide documented proof that the alledged debt is legally mines, The original creditor agreement with my wet ink signature validating this debt as mines ; and any documentation XXXX XXXX used to validate this debt before pursuing Collections. 
3 ) Investigate whether XXXX XXXX debt collection practices violates their own arbitration clause, and take action if they are circumventing their agreement by sending this account to third-party collectors without arbitration. 

This situation is causing significant financial and emotional distress. I request the CFPB to take immediate action to ensure my consumer rights are protected under 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 non-monetary relief
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
Subject : Complaint against XXXX XXXX for improper Credit Reporting to the XXXX XXXX ; EXPERIAN, TransUnion ; Equifax and Unverified Debt Collection Dear CFPB Representative, I am filing this Complaint against XXXX XXXX for improperly reporting late payments, failing to verify the legitimacy of the debt they claim I owe, and violating their own arbitration clause while allowing third party debt collectors to pursue collections efforts.

Issues with Late Payment Reporting : ______________________________ XXXX XXXX Closed this account XX/XX/XXXX, and Charged off this debt approximately XX/XX/XXXX but continued to report late payments to credit reporting agencies even in XXXX of XXXX. These late payments have not been properly investigated or legally verified, yet they are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), Information reported to credit agencies must be accurate, and this ongoing reporting of late payment after a Charge-off is misleading. 

Issues with Debt Collection and Arbitration Clause : ______________________________ Additionally, XXXX XXXX has a binding Arbitration clause in effect for disputes, yet they have sent this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; a third party debt collector to pursue payment. This contradicts the Arbitration Agreement and raises concerns about whether the debt collection efforts are legally valid. Furthermore, this account has been charged-off and is being reported on my credit report when this debt has not been fully investigated as legally mines under the Fair Debt Collection Practices Act ( FDCPA ). 

REQUESTED ACTION ______________________________ I respectfully request that the CFPB Investigate and take corrective action against XXXX XXXX, Specifically : 1 ) Immediately cease and remove all late payments reporting from my credit reports, these charges have not been properly verified as legitimate.

2 ) Provide documented proof that the alledged debt is legally mines, The original creditor agreement with my wet ink signature validating this debt as mines ; and any documentation XXXX XXXX used to validate this debt before pursuing Collections. 
3 ) Investigate whether XXXX XXXX debt collection practices violates their own arbitration clause, and take action if they are circumventing their agreement by sending this account to third-party collectors without arbitration. 

This situation is causing significant financial and emotional distress. I request the CFPB to take immediate action to ensure my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
YOUR COMPANY IS STILL REPORTING UNVERIFIED AND INACCURATE ACCOUNTS ON MY CREDIT REPORT. THE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE DATES OF LAST ACTIVITY AND THE PAYMENT HISTORY AND OTHER INACCURACIES BETWEEN EQUIFAX, TRANSUNION, EXPERIAN. DELETE THESE ACCOUNTS RIGHT NOW. ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -THERE ARE LATE PAYMENTS ON THESE ACCOUNTS. THEY NEED TO BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMNEY HISTORY, THE DATE OF LAST ACTIVITY AND OTHER INACCURACIES. ( XXXX ) ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
YOUR COMPANY IS STILL REPORTING UNVERIFIED AND INACCURATE ACCOUNTS ON MY CREDIT REPORT. THE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE DATES OF LAST ACTIVITY AND THE PAYMENT HISTORY AND OTHER INACCURACIES BETWEEN EQUIFAX, TRANSUNION, EXPERIAN. DELETE THESE ACCOUNTS RIGHT NOW. ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -THERE ARE LATE PAYMENTS ON THESE ACCOUNTS. THEY NEED TO BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMNEY HISTORY, THE DATE OF LAST ACTIVITY AND OTHER INACCURACIES. ( XXXX ) ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I made an auto payment before the due date but my account has a 30day late on my credit report that isn't accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT 609 LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER 90 DAYS AGO. JEFFERSON CAPITAL, XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two student loans opened at the Department of Education on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, two student loans opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX, an account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an account XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question included in 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 ( Report # 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.

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 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute unauthorized and unrecognized entries reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX I have never entered into any agreement with these debt collectors, nor have I authorized the opening or transferring of these accounts. These entries have appeared under account numbers XXXX, XXXX, and XXXX on my credit reports from XXXX, Equifax , and XXXX. 

The presence of these inaccurate reports is adversely affecting my credit score and my financial standing. This discrepancy hampers my ability to secure credit and engage in other financial activities. 

Attached to this complaint, you will find a screenshot of the disputed entries on my credit report. I trust that the CFPB will address this matter with the urgency it requires and ensure the integrity and accuracy of my credit information. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I am writing to file a complaint against Experian and TransUnion for their failure to maintain accurate and consistent personal identifying information on my credit reports. Despite my prior disputes, these credit reporting agencies continue to report incorrect variations of my name and inaccurate addresses. 
Incorrect Name Reporting : Experian has reported my name incorrectly as XXXX XXXX Correct name that should be reporting : XXXX XXXX XXXX. 
Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to accurate information on my credit file, and I am requesting that these errors be investigated and removed 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 2025-03-23 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: GA

Complaint narrative:
I don't agree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

Account Name & Number : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX. XXXX  # xxxxxxxxxxxx XXXX XXXX. XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
Date- XX/XX/25 Amount- {$2100.00} Jefferson Capital LLC suing me for an old debt that was charged off by the original creditor. Wasnt properly served was left hanging on my door where my information was exposed to my neighbors. Was not properly served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
Hello. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: KY

Complaint narrative:
equifax has showed an increase in members XXXX XXXX XXXX account even though they can not provide me proof of it being my debt the have added payments to the account as being late when it shows to be charged off in XXXX of 2024.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
equifax has showed an increase in members XXXX XXXX XXXX account even though they can not provide me proof of it being my debt the have added payments to the account as being late when it shows to be charged off in XXXX of 2024.

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 2025-03-23 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:
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 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. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-03-24 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Complaint Against : Innovis Issue : Innovis is reporting fraudulent, unverifiable, and inaccurate accounts that are damaging my credit profile. I have provided federal breach documentation proving repeated compromise of my personal data. Accounts listed were opened without my consent or contractual agreement. 

Accounts at Issue : XXXX XXXX  ( Acct # ... XXXX ) XXXX XXXX ( Acct # ... XXXX ) XXXX Credit ( Acct # ... XXXX ) XXXX XXXX XXXX ( Acct # ... XXXX, ... XXXX, ... XXXX ) XXXX XXXX XXXX XXXX XXXX Acct # ... XXXX, ... XXXX, ... XXXX ) XXXX XXXX XXXX XXXX  XXXX Acct # ... XXXX, ... XXXX, ... XXXX ) Violations : Failure to ensure accurate reporting under 15 U.S.C. 1681e ( b ) Failure to properly reinvestigate disputes per 15 U.S.C. 1681i ( a ) Willful disregard of identity theft alerts backed by federal documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a dispute directly with TransUnion about a bankruptcy on my credit report. Once I submitted a dispute, TransUnion came back that the dispute was verified. I went furthermore to contact the courts to ask about the bankruptcy on my credit report. The courts stated to me and sent a letter that they do not share my information With any credit reporting company or third-party, my information is completely confidential So I resubmitted another dispute to TransUnion asking to me the method of verification on how they verify the bankruptcy on my credit report. I did not receive a 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 non-monetary relief