vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Im writing because Ive been dealing with an ongoing issue with the credit bureaus that I just cant seem to get resolved. About XXXX years ago, I was discharged from bankruptcy, yet its still being reported on my credit file. This has been going on for almost XXXX  months. 
Ive sent countless letters to all three bureaus Experian, Equifax, and TransUnion, XXXX XXXX asking them to investigate and verify the accuracy of this bankruptcy listing. Every time, I either get a stall letter asking for more personal information to verify my identity, or they send me back a generic verified as accurate response without showing any actual proof of where or how they verified it. I've sent in more than enough documents to verify my identity. 
Because I wanted to get to the bottom of it, I reached out directly to XXXX XXXX XXXX office where my bankruptcy was filed. They confirmed in writing that they do not report any information to the credit bureaus. That means the bureaus are somehow pulling or publishing this data from another sourceone that isnt authorized or verified. 
This situation is frustrating, and I believe its a clear violation of my privacy and of the Fair Credit Reporting Act ( FCRA ), specifically the parts that require accurate reporting and proper reinvestigation when a consumer disputes an account. 
Ive done everything I can to resolve this directly with the credit bureaus, but they continue to send the same unhelpful responses and keep the inaccurate bankruptcy on my report. Its been over XXXX years since I was discharged, and this information is still hurting my credit. 
Im asking the CFPB to step in and look into this matter. Please hold the credit bureaus accountable for failing to conduct a real investigation and for continuing to publish inaccurate and unverified information. 
I can provide copies of all my letters, their responses, and the written statement from XXXX XXXX XXXX confirming that they dont report to credit bureaus.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB XX/XX/XXXXXXXX Subject : Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), I am filing this complaint regarding account number XXXX, reported or managed by XXXX XXXX XXXXXX/XX/XXXX 

This company has violated my rights under federal law by unlawfully obtaining, reporting, or maintaining information about this account without my consent or proper authorization. 

Under Title 15 U.S.C. XXXX ( Section XXXX ( a ) ), I am entitled to privacy and accuracy in the use of my personal and credit information. Additionally, Title 15 U.S.C. XXXX ( Section XXXX ( a ) ( XXXX ) ) clearly states that a consumer reporting agency may not furnish a consumer report or account information without the consumers written authorization or a legally permissible purpose. 

I have not provided any written authorization for XX/XX/XXXXto access, verify, or report this account, nor have I had any business relationship with this company. Therefore, its actions constitute a violation of my rights under the FCRA. 

I respectfully request that this matter be investigated, that XXXX XXXX XXXXXX/XX/XXXX be required to remove any unauthorized account information from my credit report, and that corrective action be taken to ensure full compliance with federal 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 2025-11-05 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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB XX/XX/XXXXXXXX Subject : Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), I am filing this complaint regarding account number XXXX, reported or managed by XXXX XXXX XXXXXX/XX/XXXX 

This company has violated my rights under federal law by unlawfully obtaining, reporting, or maintaining information about this account without my consent or proper authorization. 

Under Title 15 U.S.C. XXXX ( Section XXXX ( a ) ), I am entitled to privacy and accuracy in the use of my personal and credit information. Additionally, Title 15 U.S.C. XXXX ( Section XXXX ( a ) ( XXXX ) ) clearly states that a consumer reporting agency may not furnish a consumer report or account information without the consumers written authorization or a legally permissible purpose. 

I have not provided any written authorization for XX/XX/XXXXto access, verify, or report this account, nor have I had any business relationship with this company. Therefore, its actions constitute a violation of my rights under the FCRA. 

I respectfully request that this matter be investigated, that XXXX XXXX XXXXXX/XX/XXXX be required to remove any unauthorized account information from my credit report, and that corrective action be taken to ensure full compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I used to have a membership with XXXX and now XXXX XXXX is handling this matter i tried to fix this with XXXX with aldous ( debt Collector company ) but now since is not either anyone of those, now they said I can not brake the contract just if i am dying literally, so they want me to keep paying the monthly fee eventhough I do not want it and when they sent the money owed to the debt collector agency, no one wants to take responsability and they do not care to help me, I am exhausted to try too fix this to everone and now I am just frustrared, my credit score is down and now if i do not keep paying they will send the account to collection and i am trying to buy a house, because of this simple thing can not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
I am writing to file a complaint regarding a debt collection account reported by Fox Collection Center that does not belong to me. 
I recently discovered that Fox Collection Center is attempting to collect a debt under my name ( or reporting it to the credit bureaus ). I have no knowledge or record of any such account, and I have never received services, goods, or credit related to this alleged debt. I believe this account may be the result of mistaken identity, clerical error, or potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AZ

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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was emailed a promotion from American Express. Open a savings account with them and you will receive {$400.00}. The requirements were to deposit {$25000.00} for 60 days and they will pay the bonus for the transaction. On XX/XX/XXXX I opened and funded the account 10 days prior of the promotion ending. Fast forward 60 days plus on XX/XX/XXXX I didnt receive the bonus so I reached out to American Express Bank XXXX I spoke with XXXX from American Express and ask her about the payment of {$400.00} and she said it can take up to XXXX weeks to receive it if you qualify. So I asked her if I qualified. She said hold a moment as she looked up my account. When she returned she mentioned that I did not qualify because the number she had didnt match and that I had received this offer from someone else. I had told her I received this directly from American Express and no one that I knew had business with them. I told her I wanted to speak with a supervisor and this didnt sit right with me and I thought it was intentional fraud. She said she can connect me with a supervisor but the outcome would be the same. XXXX had put XXXX the supervisor on and I expressed my concerns about what XXXX told me about the bonus payment and she said she could nothing about it. I told XXXX I received the offer from American Express and did everything they asked of me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal permissibility of multiple items appearing on my Pursuant to FCRA 602 ( A ) and 611 ( a ) ( 1 ) ( A ), you are required to conduct a human reinvestigation and verify each item with certified documentation, not automated E-OSCAR responses.

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 2025-11-05 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:
I am formally disputing the accuracy, completeness, and legal permissibility of multiple items appearing on my Pursuant to FCRA 602 ( A ) and 611 ( a ) ( 1 ) ( A ), you are required to conduct a human reinvestigation and verify each item with certified documentation, not automated E-OSCAR responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I attemped to obtain a credit card payoff letter from USAA savings bank for a home loan refinance. I first called on XX/XX/year>. I was told they do not send loan payoff letters and will only tell you the balance that day. I asked if this is policy and was told as per policy that they will not provide a payoff letter. I called again on XX/XX/year>, and was told the same thing again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-05 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: LA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-05 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: LA

Complaint narrative:
I am submitting a dispute regarding the following accounts listed on my Experian credit report. I believe the information is incorrect, and I request a thorough investigation into these accounts. Please verify and provide documentation to confirm the accuracy of these entries. If they can not be verified, I request removal under the FCRA. 

Charged Off Accounts : XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries : XXXX XXXX : Date : XX/XX/XXXXXXXX XXXX : Date : XX/XX/XXXX XXXX XXXX : Date : XX/XX/XXXX Late Payments : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The account did not have payment historys. 
Account : 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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Ive received many emails from this company about a new account. I never opened an account. I received a visa debit card in the mail on XXXX in my name. I called and reported it as fraudulently opened and said I needed to closed. I was told I had to submit a police report as well as send them my id. I refuse to send them My id. I am not filing a police report. I have taken steps to secure my credit. I asked for a supervisor and was told no one fools help me and they hung up

Company response to consumer: Closed with explanation