vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
Subject : Formal Dispute of Unauthorized Reporting Demand for Reinvestigation under 15 U.S.C. 1681i and Privacy Violations under GLBA To Whom It May Concern : I am asserting my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) to dispute and demand a reinvestigation into the unauthorized and unlawful reporting of an alleged account by XXXX, identified by partial account number XXXX, which appears on my credit report across all three credit bureaus. 

I have never granted XXXX or any third party written authorization to furnish, report, share, or otherwise disclose my personal, financial, or consumer report information to any consumer reporting agency. The unauthorized reporting of this alleged account constitutes a willful violation of the Fair Credit Reporting Act and may also violate the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827, which mandates the protection of consumers nonpublic personal information and prohibits disclosure without proper consent.

15 U.S.C. 1681b of the FCRA restricts the permissible purposes for which a consumer report may be furnished. Without my written instructions or a legally permissible basis, no party, including XXXX, had the right to furnish or report any information regarding me. The continued presence of this unauthorized account constitutes inaccurate reporting under 15 U.S.C. 1681s-2 ( a ) and requires immediate action.

Pursuant to 15 U.S.C. 1681i, you are now formally on notice to : 1. Initiate a full and complete reinvestigation into the reporting of this account ; 2. Require the furnisher ( XXXX ) to produce documented evidence of my written authorization to report and furnish any such information ; 3. Permanently delete this account if such documentation can not be produced ; 4. Provide me with a written summary of your findings within the statutorily required 30-day period.

Failure to act in accordance with the FCRA and GLBA may subject your agency and the data furnisher to civil liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Additionally, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take further legal action if necessary. 
You are hereby instructed to cease and desist from reporting this account until and unless it is fully verified in accordance with the law. 
Sincerely, 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 2025-05-26 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:
Subject : Formal Dispute of Unauthorized Reporting Demand for Reinvestigation under 15 U.S.C. 1681i and Privacy Violations under GLBA To Whom It May Concern : I am asserting my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) to dispute and demand a reinvestigation into the unauthorized and unlawful reporting of an alleged account by XXXX, identified by partial account number XXXX, which appears on my credit report across all three credit bureaus. 

I have never granted XXXX or any third party written authorization to furnish, report, share, or otherwise disclose my personal, financial, or consumer report information to any consumer reporting agency. The unauthorized reporting of this alleged account constitutes a willful violation of the Fair Credit Reporting Act and may also violate the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827, which mandates the protection of consumers nonpublic personal information and prohibits disclosure without proper consent.

15 U.S.C. 1681b of the FCRA restricts the permissible purposes for which a consumer report may be furnished. Without my written instructions or a legally permissible basis, no party, including XXXX, had the right to furnish or report any information regarding me. The continued presence of this unauthorized account constitutes inaccurate reporting under 15 U.S.C. 1681s-2 ( a ) and requires immediate action.

Pursuant to 15 U.S.C. 1681i, you are now formally on notice to : 1. Initiate a full and complete reinvestigation into the reporting of this account ; 2. Require the furnisher ( XXXX ) to produce documented evidence of my written authorization to report and furnish any such information ; 3. Permanently delete this account if such documentation can not be produced ; 4. Provide me with a written summary of your findings within the statutorily required 30-day period.

Failure to act in accordance with the FCRA and GLBA may subject your agency and the data furnisher to civil liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Additionally, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take further legal action if necessary. 
You are hereby instructed to cease and desist from reporting this account until and unless it is fully verified in accordance with the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX & XXXX Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-05-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX & XXXX Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
Im sending this complaint with full certainty and growing frustration. My credit report contains multiple errors that I can no longer ignore. These inaccuracies are holding me back, damaging my credit score, and preventing me from reaching financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I disputed a charged-off account from Bank of America due to billing errors and unauthorized activity. My prior dispute was denied, and the account was charged off without adequate investigation or documentation. Bank of America failed to provide signed agreements, accurate balances, or any evidence to support the debt. This is a violation of the Fair Credit Reporting Act, and the continued reporting is damaging and unlawful.

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 2025-05-26 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:
Complaint Title : Incorrect Reporting by Equifax for Paid Auto Loan - Violations of FCRA, TILA, and GLBA Description : I am submitting this complaint regarding the inaccurate and inconsistent reporting of my auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) across the three major credit bureaus : Equifax, XXXX XXXX XXXX 

Summary of the Issue : This account was opened on XX/XX/2019 and is reported positively by XXXX  and XXXX. However, Equifax is reporting the exact same account as Negative, including a 30-day late payment for XX/XX/2019, despite my records indicating 100 % on-time payments, as shown in XXXX XXXX XXXX 

Additionally : Equifaxs system shows a Past Due 30 Days = 1, while both XXXX XXXX XXXX report 0. 

This is inconsistent, inaccurate, and misleading information that has directly impacted my credit score and my ability to obtain funding. 

Legal Violations Identified : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

Section 1681e ( b ) : Reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

Section 1681s-2 ( b ) : The data furnisher ( XXXX XXXX ) is required to correct and update information after being notified of a dispute. 

Truth in Lending Act ( TILA ) : Under TILA, creditors are required to provide accurate account terms, balances, and payment histories. This inaccurate reporting conflicts with the disclosed loan terms and gives a false picture of delinquency.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting conflicting data across bureaus may be a violation of GLBAs Safeguards Rule, as it reflects poor protection and handling of my sensitive financial information. 

Harm and Damages : Due to Equifax 's incorrect reporting, I am being portrayed as a risky borrower which is inaccurate and harmful to my financial reputation. 

This is affecting my access to capital, loan approvals, and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Complaint Title : Incorrect Reporting of Paid/Closed Credit Card Account Violations of FCRA, XXXX, and XXXX by XXXX XXXX Bank XXXX XXXX XXXX XXXX am filing this complaint regarding the inaccurate and harmful reporting of a closed XXXX XXXXXXXX credit card account ( Account ending in XXXX * * * * ), originally opened on XX/XX/XXXX and closed on XX/XX/XXXX, with a balance of {$0.00} and a paid status. 

Despite the account being closed and paid, all three credit bureaus ( XXXX XXXX XXXX XXXX ) continue to report the account as Negative, including multiple delinquency marks ( XXXX, XXXX, XXXX, XXXX  days late ) and charge-off ( CO ) notations that are no longer reflective of the current status. 

Key Facts and Inconsistencies : The balance is {$0.00}, and the account is closed, indicating it should no longer be reported as derogatory. 

The last activity occurred in XXXX, but as of XX/XX/XXXX, the account is still being reported with severe delinquencies and a Negative status. 

Each bureau shows conflicting data : XXXX  reports XXXX XXXX  days late, XXXX XXXX days late, and XXXX XXXX  days late. 

XXXX XXXX XXXX both display " CO '' ( XXXX ) for multiple months, even though the account shows no balance due and a last payment date of XX/XX/XXXX or XX/XX/XXXX. 

Despite previous disputes, comments only state : " Account previously in dispute- now resolved by data furnisher/subscriber '', but do not reflect any actual resolution. 

This outdated and misleading information misrepresents my payment history and directly harms my credit score, impacting my ability to secure funding and access to capital as a business owner and consumer. 

Violations of XXXX XXXX : XXXX. FCRA ( Fair Credit Reporting Act ) : XXXX ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

XXXX ( a ) : Failure to properly reinvestigate and correct disputed information. 

XXXX ( b ) : The furnisher of the information ( XXXX XXXX ) failed to correct or update inaccurate reporting after disputes. 

XXXX. XXXX ( Truth in Lending Act ) : Continued reporting of this account as delinquent despite being closed and paid is a misrepresentation of the credit terms and conditions, and creates an inaccurate reflection of my creditworthiness. 

XXXX. XXXX ( XXXX XXXX ) : Inconsistent and outdated reporting practices indicate poor safeguards over my financial information, violating the Safeguards XXXX intended to protect consumer data integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 am writing to formally request that my credit report be updated to accurately reflect the consolidation of my credit card accounts. As of XX/XX/year>, the following accounts were consolidated through XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts are now being managed and paid under the terms of the consolidation plan. However, my credit report does not currently reflect this update. Please update my credit file accordingly to show these accounts as consolidated, and not open or delinquent, as applicable. Attached are supporting documents including : Consolidation agreement or confirmation Proof of identity ( government-issued ID, SSN, proof of address ) I appreciate your prompt attention to this matter and request written confirmation once the updates have been made. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I am writing to formally request that my credit report be updated to accurately reflect the consolidation of my credit card accounts. As of XX/XX/year>, the following accounts were consolidated through XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts are now being managed and paid under the terms of the consolidation plan. However, my credit report does not currently reflect this update. Please update my credit file accordingly to show these accounts as consolidated, and not open or delinquent, as applicable. Attached are supporting documents including : Consolidation agreement or confirmation Proof of identity ( government-issued ID, SSN, proof of address ) I appreciate your prompt attention to this matter and request written confirmation once the updates have been made. Sincerely, 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: OH

Complaint narrative:
Im the holder of a parent plus loan. I was making payments through Ed Financial Services for years not in default and always on time. My servicer changed and now it shows me with two student loans, one has no payment the other does. I reached out to servicer they said its the credit bureau. I filed a dispute and got a standard replay that my report is accurate. 

Its not like I closed the account it was done involuntary by having a new servicer assigned to me which makes it look like I have twice the debt I actually do.

Company response to consumer: Closed with explanation