vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX. XXXX 2000, XXXX, PA XXXX. 

Experian, XXXX. XXXX XXXX, XXXX, TX XXXX. 

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. 

Dear : Equifax XXXX XXXX XXXX, Transunion XXXX, and Experian 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 the rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as require by the 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 outlined by the CFPB, included. 

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 highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concern that my dispute may be mishandle in a similar manner.

Please review the inaccurate information being reported.

1. Late payments 2. How long its been on my report.

3. Personal information 4. Amount is owe on these debt after being write off/Charge off/or closed account that are still being reported to my credit.

Under the FCRA, you are require to : Conduct a proper investigation into my dispute. 
inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written conformation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX time frame. 

Sincerely, 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 2025-06-12 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: IL

Complaint narrative:
I am submitting this complaint against Equifax concerning inaccurate and harmful credit reporting of a closed charge-off account from XXXX ( Account ending in XXXX ). The account was opened in XX/XX/XXXX and charged off, with a first delinquency reported as XX/XX/XXXX. 

Under 15 U.S. Code 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs may only be reported for seven years from the date of first delinquencynot the date of charge-off, report date, or account sale. Despite being transferred or sold, Equifax continues to report this account without clarity, and with harmful remarks that do not reflect the account 's closed and {$0.00} balance status.

Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. Reporting a {$0.00} balance charge-off with ongoing negative notation for an account that has been closed, sold, and inactive for several years is misleading and damaging.

Furthermore, 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) require a reasonable investigation of disputes and correction or deletion of inaccurate or unverifiable information. I have not received confirmation of such compliance from Equifax. 

The language usedsuch as charged off and transferred or soldin combination, creates confusion and inaccurately portrays the status and history of this account. This reporting has caused emotional distress, credit denials, and harm to my financial stability, despite the account being closed and sold with no balance owed. 

I am requesting that the XXXX  charge-off account be deleted from my credit report due to FCRA violations, outdated negative information, and the financial and emotional harm it has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
I received a copy of my credit report and noticed a fraudulent account in my credit report. 
Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$2800.00}. 
Please delete this account from my credit report as it prevent me to obtain credit.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against [ Insert Credit Bureau Name : Experian, XXXX, or XXXX  ] for multiple and repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have disputed an account that has shown up on my credit report several times. Despite being removed more than onceincluding once for over 30 daysit was reinserted without proper notification to me, as mandated by Section 611 ( a ) ( 5 ) ( B ) of the FCRA. To this day, the credit bureau has not provided written notice within five business days of the account being reinserted, which is a clear violation of federal law.

Furthermore, this account continues to be listed as a charge-off every month, which is both incorrect and misleading. A charge-off should not be reported repeatedly after the initial entry. This ongoing misreporting has damaged my credit profile and amounts to the continued publication of false information. 

As part of this complaint and in accordance with my rights, I am requesting the following : 1. A detailed explanation of any updates made as a result of your most recent investigation.

2. A thorough description of your investigation process, including : T
he name and contact details of the data furnisher or source used to verify the disputed information. 
A copy of any documents the data furnisher provided to justify the reinsertion or verification. 

Despite submitting prior disputes and observing multiple deletions and reinsertions, I have not received any of this information. Your ongoing failure to investigate, respond appropriately, and notify me has significantly impaired my access to fair credit and represents ongoing non-compliance with the FCRA. 
I will restate the inaccurate inform : 1. 1-The opening date is not accurate 2- 2-The credit limit is not accurate 3-The last report date is not accurate 4- The Last active date is not accurate 5- The date of the last payment is not accurate. 

I am demanding the permanent removal of this account from all three major credit bureaus. The continued reporting of inaccurate information is both unwarranted and unlawful. 

I urge you to thoroughly investigate this matter and hold the credit bureau accountable for its repeated violations. Please take appropriate action to ensure my consumer rights are protected and that the agency fully complies with 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 2025-06-12 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: GA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-06-12 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: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding a series of unauthorized and fraudulent transactions that were charged to my debit card, and to report my banks refusal to resolve the issue appropriately. 

During the period of XX/XX/XXXX through XX/XX/XXXX, I discovered multiple fraudulent transactions on my checking account linked to my debit card. These transactions were made in Hawaii, while I reside in California and have not traveled to Hawaii or authorized any purchases there. The nature and location of these charges are entirely inconsistent with my usual account activity. 

Upon noticing these transactions, I immediately contacted my bank, US Bank, and filed a fraud claim. Case Number : XXXX. I followed all required procedures, including providing documentation and confirming that the charges were unauthorized. 

Despite my prompt reporting and cooperation, US Bank denied my fraud claim, stating that they found no error or unauthorized activity. This is both inaccurate and unacceptable, as I had no part in these transactions. My debit card and personal information appear to have been compromised, and I am now left to deal with the financial consequences. 

I appreciate your assistance in this matter and hope for a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX 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 2025-06-12 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-12 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Prior to my account being closed by Citi Bank an ACH deposit was made in the amount of {$400.00} from a XXXX account and incoming XXXX payments that had posted to the account.

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 2025-06-12 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks.

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

COUNTY OF 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 2025-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MI

Complaint narrative:
On XXXX XXXX2025, I made a mortgage payment of {$2400.00} through my XXXX XXXX  account. I later switched to XXXX XXXX  but was never notified by XXXX that the original payment had failed. XXXX XXXX did not notify me of the returned payment until XXXX,2025- 78 days later. 

This delay left me unaware that my account was not current. They are saying that payment id 120 days late. This potentially affecting my standing and causing significant financial XXXX. XXXX waived the XXXX  fee and late charges, but they have not provided an explanation for why I was not notified in a timely manner. I submitted a formal mortgage assistance request and followed up with a Qualified Written Request asking for a full explanation and supporting documentation. 

I am requesting that XXXX XXXX be required to explain the delay, confirm that no negative credit reporting has occurred, and provide documentation I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
I have hard credit inquiries that I don't recognize XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I asked for the original debter they said no. 
They bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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