vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX Last XXXX of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation, my information is as follows : Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

* * Address : * * Please be sure that my address is listed correctly. My address should read : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone Number XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my \ [ bank statement, utility bill, or lease ] for your verification. 

Best Regards, 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A collection account appeared on my credit report for {$620.00}, but I have never received any documentation validating the debt. I dont recognize this account, and no proof has been provided to show the debt is mine or that the collector has the legal right to collect or report it.

I requested a debt validation letter, but have not received any response. Until proper validation is provided, I believe this debt is unverifiable and should not be reported. Im requesting that it be investigated and removed in compliance with the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

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 2025-05-08 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: VA

Complaint narrative:
i am writing to request the following accounts be removed due to tracking pursuant to section 605C of the FCRA I have given you my identification as well as the information requested from the acceptable list which only 2 are required by law i have provided additional documentation as well as my notarized victim determination letter please remove these accounts with in 4 business days of receiving this notice according to 1022.142 ( b ) ( 6 )

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 2025-05-08 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: VA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute through the Consumer Financial Protection Bureau ( CFPB ) under Complaint No. XXXX against Equifax, challenging the reporting of several accounts on my credit file that I believe to be inaccurate or unverifiable. My dispute included specific requests made under the Fair Credit Reporting Act ( FCRA ), including : Verification of account ownership and responsibility, Production of original signed agreements, full payment history, and itemized account documentation, Disclosure of the method of verification and identity of the data furnisher, as required by FCRA 611 ( a ) ( 7 ). 

The disputed accounts were : XXXX XXXX XXXX XXXX XXXX Account ending in XXXX I disputed the joint account designation and requested signed documentation establishing liability and a full payment history. 

XXXX XXXX XXXX, XXXX. Account ending in XXXX I requested clarification of whether I am the primary obligor or only an authorized user, along with supporting contractual records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account ending in XXXX I disputed the balance and account status and requested the original agreement and an accounting of all charges. 

Despite these detailed and lawful requests, Equifax responded on XX/XX/year>, under File No. XXXX, by simply marking the accounts as verified and closing the dispute. I was not provided with any documentation, explanation, verification method, or identification of the furnishers. The response was issued just six days after my submissionfar too little time for a proper reinvestigation to be conducted in accordance with federal law. 

This conduct violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

1681i ( a ) ( 6 ) : Failure to notify the consumer of the results of reinvestigation.

1681i ( a ) ( 7 ) : Failure to disclose the method of verification and the furnishers identity ; 1681i ( a ) ( 5 ) ( A ) : Failure to delete information that could not be verified. 

The actions taken by Equifax reflect a failure to comply with the minimum legal standards required by the FCRA. No evidence was produced, no procedure was followed, and no meaningful explanation was offered. The accounts remain on my credit report in violation of federal law, and I am seeking immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
My account was closed for no reason after banking with chime for 5 years. I was hung up on when I called and asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
My accounts 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Per 15 USC XXXX XXXX is not allowed to report this account to my credit file. XXXX XXXX has already responded to CFPB stating they don't own this account, they would cease communication and they are not trying to collect a debt because they don't legally own this account. XXXX XXXX and yet to prove ownership of this account has violated the FCRA and will be sued by me and my attorney. They also sent me a letter on XX/XX/2025 which states we are not attempting to collect a debt and they would not report anything to my credit profile. XXXX XXXX has violated the FCRA. I will be filing a formal complaint with CFPB they have the response from XXXX XXXX. XXXX XXXX failed to provide an accurate investigation and fail to provide documentation. I do not mind including Equifax in this law suit as well for reporting this account to my credit profile. Equifax and Transunion k now XXXX XXXX is a scam company and can not provide accurate proof which violates 15 USC XXXX and the FCRA. XXXX XXXX has recently been sued by CFPB for over XXXX XXXXXXXX XXXX and they are still violating. This company needs to be shut down.

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 2025-05-08 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: OK

Complaint narrative:
b'On XXXX XXXX XXXX  I went to XXXX XXXX XXXX XXXX( in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)  to look into possibly buying a car.\nI said I needed financing. Before I gave him my SSN, I asked will this be a SOFT credit check. He said yes.\nI did not buy a car. On XXXX XXXX  I learned that he did a hard credit inquiry. When I called him back, he said "there\'s no such thing as a soft credit inquiry". I did a XXXX XXXX search, and on a 2nd call I told him auto dealerships and used car lots do use soft credit checks. \nHe doubted my answer, said "I\'m busy" and hung up.'

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 2025-05-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to comply with federal law under the FCRA and FERPA, following months of repeated disputes regarding inaccurate, unverifiable, and misleading tradelines. Despite providing no proof of investigation, they continue to send automated responses stating the accounts are verified as accurate. This is unlawful.

Disputed Accounts : Dept of EducationXXXX ( 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 ) Violations of Federal Law : FCRA 611 ( a ) ( 1 ) ( A ) No meaningful investigation within 30 days FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) No disclosure of investigation method or evidence FCRA 607 ( b ) Inaccurate and inconsistent reporting between bureaus FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ) Furnishers failed to investigate and correct errors FERPA, 20 U.S.C. 1232g Student loan data disclosed without written consent Metro 2 Format 2.58 Duplicate entries, improper re-aging, conflicting statuses Case Law : Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must go beyond automated replies Johnson v. MBNA, 357 F.3d 426 ( 4th Cir. 2004 ) Failure to reinvestigate renders CRAs liable Koropoulos v. Credit Bureau, 734 F.2d 37 ( D.C. Cir. 1984 ) Technically accurate but misleading = violation Sepulvado v. CSC, 158 F.3d 890 ( 5th Cir. 1998 ) Misleading duplications violate the FCRA Richardson v. Equifax, 2004 U.S. Dist. LEXIS 27049 Charge-offs must be properly documented or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me I am writing to dispute multiple unauthorized hard inquiries that appear on my Equifax , Experian , and TransUnion credit reports. I did not apply for credit with these companies, and I believe these inquiries are the result of identity theft or misuse of my personal information. 



The following inquiries were made without my knowledge or consent and now appear across all three credit bureaus : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX I am requesting that these inquiries be immediately removed from my credit files. I did not authorize or initiate any of these applications, and they are negatively impacting my credit standing. 



This letter is being submitted alongside an FTC Identity Theft Report, a copy of my government-issued ID, a recent utility bill for address verification, and screenshots of the affected credit report data. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, consumers have the right to block information on their credit report that resulted from identity theft. I am invoking that right and requesting that these inquiries be blocked and permanently deleted from my file. 



Thank you for your immediate attention and 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 non-monetary relief
Consumer complaint received 2025-05-08 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:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 


My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute.

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated i
n FCRA 1681e ( b ). 
XXXX XXXX XXXX, XXXX, NJ, 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 2025-05-08 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: WA

Complaint narrative:
Unauthorized companies accessed my credit report through Equifax without my consent, which has damaged my credit score. I was assured these inquiries would be removed, yet they still appear. Their presence raises serious concerns about identity theft and continues to cause unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: The Best Service Co.,Inc
State: IL

Complaint narrative:
I would like to file a complaint against company " The Best Service Company '' this account is reporting many different, and inaccurate information across all three credit agencies XXXX XXXX  and XXXX It's reporting open with one agency, and closed with the other agencies. It's reporting a payment was made the balance decreased by {$5.00} which is inaccurate I have not paid on such debt because I do not owe this debt. This company is reporting different closing dates, account types is different, the payment history is different across all three credit agencies how is XXXX XXXX and XXXX reporting so many inaccuracies are they investigating, and reviewing my disputes properly? I'm aware of the current sue please take my disputes seriously and investigate, and Remove. according to the FCRA each reporting agency must report accurate information, and the same on each credit agency in this case it's not I see many violations on this account " The Best Service Company '' Thank you, 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending XXXX that are inaccurate and are not properly verified. I have disputed this directly with the credit Bureau the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 s 2 a, furnishers must report accurate information. Under 15 usc1681i, the credit bureau must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending XXXX that are inaccurate and are not properly verified. I have disputed this directly with the credit Bureau the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 s 2 a, furnishers must report accurate information. Under 15 usc1681i, the credit bureau must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation