vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have lost access to my Experian account due to a fraudulent person impersonating me. The person has changed the email, phone number and password on file and I have reached out to confirm my identity and provided all required documentation. However, Experian still refuses to provide an XXXX on giving me access back to my account. I have been unable to view my credit report to dispute fraudulent activity due to Experians unresponsiveness. I have called every week since XXXX to get a resolution, but my account remains compromised.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am filing this formal complaint because Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to respond to my dispute within the legally mandated 30-day investigation period, as required under 15 U.S.C. 1681i ( a ). 

I submitted my dispute properly, provided the necessary documentation, and waited well beyond the deadline. Experian has not completed the investigation, has not provided results, and has not corrected or removed the disputed information, which is a direct and clear violation of federal law. 

Despite failing to meet the 30-day requirement, Experian continues to report two inaccurate and unverified accounts, which do not belong to me and remain harmful to my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian has failed to perform a reasonable investigation, failed to verify these accounts, and failed to act within the federal timeframe designed to protect consumers. This ongoing negligence is causing continued damage to my creditworthiness and financial stability.

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 2025-11-18 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-18 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate, incomplete, or unverifiable information on my credit report. Below are the details of the accounts I am disputing : 1. Charged Off Disputed The following charged-off accounts have been reported incorrectly and need verification or removal : XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct # XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Acct XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$170.00} XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$6600.00} XXXX  XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX, Acct XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$160.00} XXXX, Acct # : XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$130.00} UNAUTHORIZED COLLECTION, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$170.00} UNAUTHORIZED COLLECTION, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$510.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$1100.00} 2. Inquiries Disputed The following inquiries were unauthorized and should be removed from my credit report : XXXX, Date Open : XX/XX/XXXX 3. Positive Accounts There are no issues with positive accounts at this time. 

4. Late Payment Disputed The following late payments are disputed and need to be verified or removed : XXXX, Acct # : XXXX XXXX, Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
As I stated earlier XX/XX/year> I was patronized with the amount of {$1800.00}. But the amount stolen was {$5700.00}. please have a conscience and return my hard earned legal money. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of inaccurate personal information in credit report. 
I am submiting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian Information Solutions Inc . Details of the dispute : 1.Outdated address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX while my credit report shows some outdated address of 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 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 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 Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : Driver License

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 2025-11-18 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) Office of the Comptroller of Currency and Federal Reserve Consumer Help as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HAR INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : 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 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 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 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 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: AL

Complaint narrative:
MIDFIRST BANK, is attempting to foreclose on this property is with a fraudulent robo signed assignment by XXXX XXXX who is a well known robo signer. She signed the assignment as vice president of XXXX  while also appearing on other assignments as a wittiness. The mortgage was trans after the original company was out of business. Mers created the fraudulent assignment solely for the purpose of foreclosing. 

Mid first Bank have not responded to the QWR or the request for the 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had ongoing ID Theft issues for several years and the other two major reporting agencies have been easy to work with and fix the bogus information yet Experian refuses to update their information despite being provided evidence they have inaccurate info. They are violating my rights under FCPA and need to be punished. 

They are reporting multiple wrong addresses for me, one for a state I have literally never been to, and they refuse to correct it because the company reporting it says its accurate despite me providing proof it is not. 

The even show addresses over XXXX XXXX XXXX for me. 

These FCRA violations are now causing me harm as I am having to prove to a potential employer that I do not live in california. 

Like I said, bit XXXX  and XXXX  have removed the bogus address and since they were removed there Experian should also have removed them but they refuse because the scam companies reporting the bogus accounts pay them for their services. 

The only addresses that should appear on my file are my current address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX If they need to go back further the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX can be used from XXXX XX/XX/XXXX All other addresses need to be removed. These two are the big issues that they refuse to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX HAVE NEVER BEEN OR USED THOSE ADDRESSES and I have never been to the state of California. Not only do these need to be removed from my file any accounts that are associated with them need to be marked as fraud. Once again, the other two major agencies have already made this change.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute information regarding the accounts listed below on my Experian credit report. These accounts contain inaccuracies that need to be corrected under my rights as provided by the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Incorrect status reporting. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Incorrect balance reporting. 

DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Reason for Dispute : Misreported balance and payment history. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Reason for Dispute : Account should be marked as settled or removed. 

( Include other accounts from the list as per your original request. ) Inquiries in Dispute XX/XX/XXXX Date : XX/XX/XXXX Reason for Dispute : Unverified inquiry. 

Late Payments in Dispute : XXXX Account Number : XXXX Reason for Dispute : Incorrect late payment history.

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 2025-11-18 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: VA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shepherd Outsourcing, LLC
State: MD

Complaint narrative:
Shepherd Outsourcing LLC is violating my consumer rights.Above collection agency has not providated debt validation in conjunction with 12 Cfr 1006.34 ( b ) ( 5 ) .But placed a collection on my consumer credit report.

I have not been given a chance to dispute account in accordance with 12 Cfr 1006.34 ( C ) ( 4 ) ( I ) .Collection agency is violating my consumer rights bu usung false, misleading, misreprentation means.

Collection agency has no authority ti furnish any accounts to consumer reporting agencies without providing any and all disclosures by Law and are clear violation Of 12 Cfr 10p6.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) .I am disputing all debts they say I owe.I am revoking all rights of communications with me by emails, calls, and chats.I also request a debt validation agreement between debt collector and the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
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 you have 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 2025-11-18 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 writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief