vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
My information was involved in 2 data breaches which resulted in me being a victim of identity theft. I am in the process of trying to clean off all of these fraudulent accounts from my consumer profile to get my identity back. 


* Please see attached FTC report

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 2025-07-17 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:
XXXXI WAS A VICTOM OF  malpractice  XXXX XXXXof ExperianDATA BREACH .FAIR CREDIT REPORTING ACT 15U.S.C.1681i(a)(1)(A) FAILURE TO CONDUCT PROPER REINVESTIGATION OF DISPUTED INFORMATION XXXX15U.S.C 1681i(a)(5)(A)XXXX15U.S.C 1681i(a)(5)(BXXXX15U.S.C 1681i(ai(a)(2)XXXX15U.S.C 1681e(b)XXXX12.U.S.C.5531&5536XXXX12U.S.C.5536(a)(1)(B)XXXX12U.S.C.5531(c))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 2025-07-17 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:
Complainant : XXXX XXXX Email : XXXX Subject : Failure to Reinvestigate and Correct Inaccurate and Unverifiable Information, FCRA Violations I am filing this complaint against all three major credit bureaus Experian, Equifax, and TransUnion for their ongoing failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal dispute requesting the reinvestigation and removal of multiple inaccurate and unverifiable items on my credit reports. This was a follow-up to prior disputes dating back to XX/XX/XXXX. To date, none of the bureaus have adequately responded or taken corrective action as required by law. The disputed accounts remain on my credit reports without valid verification or correction. 

FCRA Violations Involved : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported Disputed Accounts Still Unresolved : XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Disputed Inquiry : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Despite multiple notices and a reasonable timeframe to comply, the bureaus have failed to : Provide the method and procedures used in verifying the above items Disclose the contact details of the furnishers for each disputed account Furnish any documentation relied upon to justify the continued reporting of the items This lack of response constitutes repeated and willful non-compliance with the FCRA.

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 2025-07-17 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: TX

Complaint narrative:
Subject : Errors on Credit report The following account listed below has inaccurate information : Account : XXXX XXXX XXXX XXXX / XXXX  Account # ( XXXX XXXX XXXX XXXX XXXX  ) Reporting Payment date : XX/XX/XXXX Reporting No payment Amount or information Reporting High balance of {$9500.00} as of XX/XX/XXXX to XX/XX/XXXX Reported Balance of {$15000.00} as of XX/XX/XXXX No payment information or balances are being reported from XX/XX/XXXX to XX/XX/XXXX until XX/XX/XXXX. 

No 1st delinquency date reported. 

I am requesting a copy of my payment history, Total amount borrowed and any outstanding balance. 

The terms and conditions of the loans including interest rates and repayment schedules. 

Documentation related to the loans including promissory notes and disclosures. 

Information regarding any past due amounts or defaults if applicable. 



I believe there is inaccuracies in my load records, potentially violating my rights under the FCRA & FDCPA. All information must be complete, accurate and verified. I request that you provide clarification on any discrepancies and detailed account of how the information is calculated. 



according to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

* * 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate. 

Please respond to this request within the timeframe specified by FERPA, as i need to ensure my records are accurate and complaint with consumer law.

The Fair Credit Reporting Act : Generally, limits the reporting of most negative credit information to seven years. This includes late payments, collection accounts, charge off accounts. Specifically for collection accounts and charge off accounts the seven-year period begins 180 days after the initial delinquency.

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 2025-07-17 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: IL

Complaint narrative:
I am filing this complaint against Experian for continuing to report an unauthorized and inaccurate account, in violation of the Fair Credit Reporting Act ( FCRA ). Experian is listing a closed XXXX XXXX credit card showing me as an authorized user, even though I never gave verbal, written, or digital consent to be added. I have no relationship with the primary account holder. 

I filed multiple disputes via Experians portal requesting full deletion, but Experian only marked the account as Closed in XX/XX/XXXX and continues reporting it as recently active. They also failed to provide the Method of Verification ( MOV ) as required under FCRA XXXXi ( a ) ( 6 ) ( B ) ( iii ). 

I previously filed CFPB complaints on XX/XX/XXXX ( Case numbers : XXXX, XXXX, XXXX ), and this remains unresolved as of XX/XX/XXXX.

Additionally, I filed a report with the FTC ( Report XXXX  XXXX ) and a formal complaint with the XXXX XXXX XXXX ( XXXX ). Experian 's conduct violates FCRA XXXXe ( b ), XXXXi ( a ), and XXXXi ( a ) ( 6 ) ( B ) ( iii ). I request that Experian be required to permanently delete this unauthorized account and comply with all FCRA obligations.

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 2025-07-17 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 is a formal request for the deletion of one or more unauthorized hard inquiries on my credit file. I have not applied for any financial products and did not authorize these pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

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 ) ( 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 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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
This letter is a formal request for validation of the debt you are attempting to collect. I am writing to you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to validate this debt. I dispute this debt and demand strict proof of its validity. I am requesting that you provide me with the following information and documentation to validate this alleged debt : 1. The exact amount of the debt, with an itemized breakdown of the principal, interest, fees, and any other charges.

2. The name and address of the original creditor.

3. Proof that I am the person obligated to pay this debt.

4. Proof that you are licensed to collect debts in my state ( if applicable ).

5. Proof that you are the current owner of this debt or have the legal right to collect on it, including a copy of the original agreement or contract bearing my signature.

6. A copy of any judgment if the debt is based on a judgment.

7. The date of the original transaction or last payment.

8. The date this account was opened by the original creditor.

Until you provide full validation of this debt as requested, you must cease all collection activities, including contacting me or reporting this debt to any credit reporting agency. If you have already reported this debt to any credit reporting agency ( such as XXXX XXXX XXXX XXXX  ), I demand that you immediately notify them that the debt is disputed. Please be advised that if you fail to provide the requested validation within 30 days of your receipt of this letter, I will assume the debt is not valid, and you must cease all collection efforts and remove any negative marks from my credit report related to this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
explains why the item must be removed * requests investigation and deletion within the FCRA 's timelines 4. Outline a clear, step-by-step action plan with suggested deadlines to s and escalate if necessary. 

I When you respond, use headings for each item ( for example, " 1. Late Pay Include citation styles such as " 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and end with a actions Tools

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not allow me the option to dispute via online .. the agent has failed to dispute with the proper language to get results

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 2025-07-17 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:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX * Balance Owed : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX * Balance Owed : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-17 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX * * * * * Balance Owed : {$680.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX * * * * * Balance Owed : {$680.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
When I checked my credit report today, I found accounts that shouldnt be there. I assumed it might be a system issue and refreshed the page, but nothing changed. Im now asking that you thoroughly review the documents Ive provided to resolve this matter once and for all.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed a {$350.00} charge incurred via a pop-up that concealed the subscriptions price, renewal frequency, and cancellation method. Such design violates XXXX XXXX and XXXX XXXX XXXXXXXX. Instead of assessing compliance with these laws, Bank of America closed the investigation solely on the merchants statement that the user upgraded voluntarily without reviewin

g th e UI or statutory requirements. Reg Z 1026.13 ( c ) requires a reasonable investigation. Recent NY enforcement ( XXXX XXXXXXXX ) and judicial rulings ( XXXX XXXX XXXX confirm that omitting material terms renders consent invalid. 
Failing to evaluate whether disclosures were clear and conspicuous falls short of that duty.

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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: IL

Complaint narrative:
went to my local bank today XXXX on XXXX and XXXX after calling on getting instruction on how to do a transaction, after I got there and proceeded to do the transaction with banker XXXX I was told I would not be able to make this transaction and proceeded to explain why, explain that I had made this same transaction on XXXX with no problem and I also call the bank and nothing she was saying was told to me.so I need to now why I was giving different information and no XXXX was available so I was told. and one banker was able to do the transaction and the other banker wasn't US Bank

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 2025-07-17 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: PR

Complaint narrative:
Reviewing of my most recent credit report showing serious concern about incorrect names and addresses on my file as well account from Experian as well TransUnion are conducting the investigation and they are in serious violation with the CFPB and FCRA laws are ignoring the issue are not providing sustainable evidence that proof the accuracy of the report. 

I found the response that I received from Experian does not comply with the Fair Credit Reporting Act ( FCRA ) and other Federal regulations. The response fails to adequately verify the disputed accounts as required by law and does not sufficiently address my concern with appropriate documentation should be presented to the consumer. They dont want to show anything to the consumer and you have to belive them by default, and thats It they only but a status ALL Words failing to provide any kind of documentation that supports their statement not in accordance with the law and right we all have. 

Request reinvestigation, provide clear, verifiable evidence supporting the reported information, correct or Remove any inaccurate or unverifiable. Please step in with the credit bureaus. Are not comply with the laws avoiding to communicate nor send by mail the disputed report.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Every time I request an investigation or ask LexisNexis to explain why they are not verifying the bankruptcy directly with the court, they continue to respond that they rely on PACER. This is not a proper or reasonable investigation under the Fair Credit Reporting Act ( FCRA ). The court has already confirmed in writing that it does not share any information with LexisNexis or with credit reporting agencies. Therefore, LexisNexis is violating the FCRA by continuing to report this bankruptcy based solely on PACER or other secondary sources, without verifying it with the original sourcethe court.

Company response to consumer: Closed with explanation