vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: WA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor repeated and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Over the past several months, I have made multiple documented attempts to correct inaccurate personal information and dispute unverifiable accounts listed on my credit reports. Despite providing valid government-issued identification, along with proof of my current address and phone number, all three bureaus have failed to remove outdated or incorrect addresses, phone numbers, and email addresses from my file. This is a clear violation of 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain accurate and complete information. 

Furthermore, these agencies have made it unnecessarily difficult for me to access and manage my credit reports by disabling or obstructing login accessa practice that restricts my rights to review and dispute information, as protected under 15 U.S.C. 1681g and 1681i.

In addition to the above, a collection account reported by a company called XXXX remains on my credit report. I have submitted multiple written requests to XXXX for debt validation, in accordance with 15 U.S.C. 1692g of the FDCPA. To date, they have failed to provide any proof that the debt is valid or that I am legally obligated to pay it. As such, under federal law, this item should have been removed from all credit reports. 

I then filed disputes with each credit bureau requesting removal of this account. However, the bureaus responded that the account was verified without providing any meaningful details on how the investigation was conducted. When I requested an explanation, the only information available was the name of the reporting entity and the amount owedno documentation or verification that proves the account is mine was presented. This violates the FCRAs reasonable reinvestigation requirement under 15 U.S.C. 1681i ( a ).

To summarize, the violations I have experienced include but are not limited to : Failure to maintain accurate personal and account information ( FCRA 1681e ( b ) ) Failure to respond appropriately to disputes with proper investigation ( FCRA 1681i ( a ) ) Failure to delete unverifiable debt after a lack of validation from the furnisher ( FCRA 1681i ( a ) ( 5 ) and FDCPA 1692g ) Impeding consumer access to credit reports ( FCRA 1681g ) Allowing unverified, inaccurate collection accounts to remain on file ( FCRA 1681c-2 and FDCPA 1692g ( b ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: WA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor repeated and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Over the past several months, I have made multiple documented attempts to correct inaccurate personal information and dispute unverifiable accounts listed on my credit reports. Despite providing valid government-issued identification, along with proof of my current address and phone number, all three bureaus have failed to remove outdated or incorrect addresses, phone numbers, and email addresses from my file. This is a clear violation of 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain accurate and complete information. 

Furthermore, these agencies have made it unnecessarily difficult for me to access and manage my credit reports by disabling or obstructing login accessa practice that restricts my rights to review and dispute information, as protected under 15 U.S.C. 1681g and 1681i.

In addition to the above, a collection account reported by a company called XXXX remains on my credit report. I have submitted multiple written requests to XXXX for debt validation, in accordance with 15 U.S.C. 1692g of the FDCPA. To date, they have failed to provide any proof that the debt is valid or that I am legally obligated to pay it. As such, under federal law, this item should have been removed from all credit reports. 

I then filed disputes with each credit bureau requesting removal of this account. However, the bureaus responded that the account was verified without providing any meaningful details on how the investigation was conducted. When I requested an explanation, the only information available was the name of the reporting entity and the amount owedno documentation or verification that proves the account is mine was presented. This violates the FCRAs reasonable reinvestigation requirement under 15 U.S.C. 1681i ( a ).

To summarize, the violations I have experienced include but are not limited to : Failure to maintain accurate personal and account information ( FCRA 1681e ( b ) ) Failure to respond appropriately to disputes with proper investigation ( FCRA 1681i ( a ) ) Failure to delete unverifiable debt after a lack of validation from the furnisher ( FCRA 1681i ( a ) ( 5 ) and FDCPA 1692g ) Impeding consumer access to credit reports ( FCRA 1681g ) Allowing unverified, inaccurate collection accounts to remain on file ( FCRA 1681c-2 and FDCPA 1692g ( b ) )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
About two years ago, my Mercari account was suddenly locked out of nowhere and now I can't get my XXXX dollars, after my buyer, who had rated me XXXX stars, falsely accused me of an issue with the XXXX  XXXX I sent them, claiming there was an issue ( one I never got told because I was given no explanation or anything ). See, I got it from a reseller place, XXXX. It was taped shut, seemed in pretty good condition, and the box didn't appear to be in any bad shape, except for a corner dent, as if it had been dropped or something. Other than that, it looked just fine. I didn't open it at all to keep it in the best condition I could for any potential buyer, these are most of the time sold in retail stores because they are overstocked, so no way it was opened before the tape may make it seem like it but most of the time these figures have messy tape over the top of them. I packaged the figure when I had a buyer and shipped it, but a few days after they got it and rated me 5 stars, they sent messages saying F you ( I'd rather not type out the full thing ) and broke boy, others that were deleted by the admin, so I didn't see them. They locked me out of my account, and I couldn't do anything now, not sell or get my money back, and I went to customer service multiple times, explaining the situation and how it could be a scam. I even emailed them, but just got bot responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CT

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-01 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: CT

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. One credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00}

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 2025-08-01 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 account with ELECTRONIC BILLING & XXXX XXXX XXXX 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 in to be removed. 

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. 

ELECTRONIC BILLING & XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
An account has been fraudulently reported under my name, which I neither opened nor approved. I consider this entry to be a case of identity theft or reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I discovered an account on my credit report that is not mine and was opened without my knowledge or consent. This fraudulent entry is negatively impacting my credit, and I demand it be 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 non-monetary relief
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-08-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am reaching out to dispute a credit account reported under my name that I have never opened. This item is inaccurate, and I believe it is a result of either a clerical error or identity 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 2025-08-01 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: TX

Complaint narrative:
It is unacceptable that public records appear on my credit report. This is causing me significant anxiety, and I urgently request that they be removed without delay.

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 2025-08-01 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: TX

Complaint narrative:
CFPB Complaint Experian Date : XX/XX/XXXX To the Consumer Financial Protection Bureau, I am filing this complaint against Experian for their continued failure to remove inaccurate, unverifiable, and unauthorized information from my credit report. Their failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) has caused ongoing harm to my reputation, credit standing, and personal integrity. 

As a consumer, I have a federally protected right to : Be free from the reporting of inaccurate or unverifiable information ( 1681e ( b ) ) Have disputed information reinvestigated and corrected or removed ( 1681i ) Prevent access to my credit file without my written consent ( 1681b ) Demand deletion of data not certified as accurate or complete ( 1681c-2 ) Receive timely and complete responses to credit disputes Experian has ignored these rights by continuing to report the following accounts and hard inquiries, despite my formal disputes and supporting documentation : Disputed Accounts : XXXX XXXX XXXXXXXX {$43000.00} ( in dispute, unverifiable ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$490.00} ( delinquent, noncompliant ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ( charged-off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ( charged-off ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$380.00} ( inconsistent across bureaus ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Never resided ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Outdated ) XXXX XXXX XXXX XXXX Completely unrelated ) Incorrect DOB : XX/XX/XXXX Inaccurate employer data : EXPERIAN, XXXX XXXX XXXX XXXX Misrepresented name : XXXX XXXX XXXX ( Correct XXXX XXXX XXXX XXXX ) Requested Relief : I am requesting the CFPB take immediate action to : Compel Experian to remove all unverifiable and disputed accounts Delete all unauthorized credit inquiries Correct or remove inaccurate personal information Provide me written documentation verifying that these changes have been made within 4 business days Attached to this complaint is my formal investigative report prepared by XXXX XXXX XXXX outlining the full scope of violations and supporting evidence . 

If this matter is not resolved, I reserve my right to pursue legal action under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief