vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute Regarding Inaccurate Information on My Credit Report\nDear Equifax,\n\nI am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:\n Conducting inadequate investigations that fail to address consumer disputes properly.\n Reinserting previously disputed and inaccurate information without explanation.\n Failing to notify consumers about investigation results effectively.\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\nPlease review the inaccurate information being reported:\n1. Under the FCRA, you are required to:\n Conduct a proper investigation into my dispute.\n Inform me of the results of your investigation in a clear and comprehensible manner.\n Provide me with any documentation you rely on if the disputed information is verified as accurate.\n Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\nFurthermore, I request written confirmation 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.\nThank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Equifax, Experian, and TransUnion ) are continuing to report inaccurate personal information on my credit reports, despite multiple disputes and proper documentation provided. 

Specifically, the following incorrect personal information remains on my credit profile : Outdated or incorrect addresses that I have never lived at or am no longer associated with Employers that I have never worked for or have no affiliation with These entries are not accurate, not verifiable, and should not be associated with my credit profile. I have submitted valid and sufficient documentation including : A copy of my government-issued ID A utility bill and/or lease agreement confirming my current address A formal written dispute outlining the specific inaccuracies According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain maximum possible accuracy of the information they report, and to properly investigate consumer disputes within 30 days. Despite fulfilling my responsibility by providing evidence, the credit bureaus have failed to correct or delete the inaccurate information. 

I believe this is a clear violation of : FCRA Section 611 ( 15 U.S. Code 1681i ) Failure to reinvestigate and correct inaccurate information FCRA Section 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy This failure is not only unacceptable but also negatively impacts my ability to apply for credit, housing, or employment I have attached my most recent request to have the inaccurate personal information removed. This documentation includes certified mail tracking and proof of delivery. Despite this, my request has been ignored, and the incorrect information continues to appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Equifax, Experian, and TransUnion ) are continuing to report inaccurate personal information on my credit reports, despite multiple disputes and proper documentation provided. 

Specifically, the following incorrect personal information remains on my credit profile : Outdated or incorrect addresses that I have never lived at or am no longer associated with Employers that I have never worked for or have no affiliation with These entries are not accurate, not verifiable, and should not be associated with my credit profile. I have submitted valid and sufficient documentation including : A copy of my government-issued ID A utility bill and/or lease agreement confirming my current address A formal written dispute outlining the specific inaccuracies According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain maximum possible accuracy of the information they report, and to properly investigate consumer disputes within 30 days. Despite fulfilling my responsibility by providing evidence, the credit bureaus have failed to correct or delete the inaccurate information. 

I believe this is a clear violation of : FCRA Section 611 ( 15 U.S. Code 1681i ) Failure to reinvestigate and correct inaccurate information FCRA Section 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy This failure is not only unacceptable but also negatively impacts my ability to apply for credit, housing, or employment I have attached my most recent request to have the inaccurate personal information removed. This documentation includes certified mail tracking and proof of delivery. Despite this, my request has been ignored, and the incorrect information continues to appear on my credit 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 2025-07-05 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Kikoff Inc.
State: CA

Complaint narrative:
Unauthorized Account, Improper Reporting, and Unresolved XXXX  Request for Immediate Deletion and XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX  Lending, XXXX regarding a fraudulent and unauthorized account reported on my credit file. I did not create or authorize this account and have never agreed to use XXXX 's services. 

After noticing unauthorized charges to my credit card, I immediately contacted XXXX by phone and filed a direct dispute. During this communication, they acknowledged inaccuracies and agreed to cancel the account. Despite this, the account remained open and active on my credit report. Only after my most recent dispute was it finally marked closedbut it should have never existed or been reported in the first place. 

I never consented to the creation of this account, nor did I knowingly sign up for any service or authorize XXXX to charge my card. Their actions are a clear violation of the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Fair Debt Collection Practices Act. It also violates FCRA Section XXXX ( b ), which requires furnishers of information to establish and maintain reasonable procedures to assure maximum possible accuracy. 

Additionally, XXXX has prior knowledge of engaging in questionable practices, and despite acknowledging their error, they have not refunded me for the unauthorized charges made to my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/year> With a balance of {$260.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remake have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remake have been detrimental to my life and credit health

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, Midland Credit Management updated a collection account that I disputed, falsely reporting the balance as past due as of XX/XX/XXXX. This debt was opened in XX/XX/XXXXXXXX  with Comenity Capital Bank and has been in collections for years without payment or acknowledgment. Under Texas law ( Tex. Civ. Prac. & Rem. Code 16.004 ), the statute of limitations is 4 years, and this debt is time-barred. I disputed this account through XXXX  in XX/XX/XXXX, but instead of properly validating or removing the debt, Midland falsely re-aged the debt to appear more recent. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). I am requesting that this account be deleted from my credit report because it is time-barred and Midland has not validated the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Debt validation claims According to USC 15 1692 I asked for four things 1 Send me a full list of payment history on this account. 2 I want to see the original signature that I agreed to on the contract. 3 Have there been any insurance claims on the debt. 4 I want to see the Chain of Title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On or about XX/XX/year>XXXX  I filed a complaint with the XXXX XXXX XXXX XXXX original creditor regarding an account with collection XXXX XXXX in amount of {$410.00}. On XX/XX/year> XXXXXXXX XXXX NOTIFIED CFPB AND ME IN WRITING IT WAS REMOVING COLLECTIONS. 

On todays date a new Collections appeared from a fraudulent activity regarding the same account XXXXXXXX XXXX for {$410.00}. 

CFPB Complaint : 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 2025-07-05 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: AZ

Complaint narrative:
On or about XX/XX/year>XXXX  I filed a complaint with the XXXX XXXX XXXX XXXX original creditor regarding an account with collection XXXX XXXX in amount of {$410.00}. On XX/XX/year> XXXXXXXX XXXX NOTIFIED CFPB AND ME IN WRITING IT WAS REMOVING COLLECTIONS. 

On todays date a new Collections appeared from a fraudulent activity regarding the same account XXXXXXXX XXXX for {$410.00}. 

CFPB Complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-05 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: Splash Financial, Inc.
State: NJ

Complaint narrative:
Splash Financial pulled my credit as a hard pull when in fact they told me multiple times that they would not need to pull my credit as a hard pull only a soft pull, also not to mention they already had my full credit score and even mentioned it to me in full. 

I really need some help with this issue as I didn't authorize this hard credit pull please help me out with this concern. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
This letter is written in response to your correspondence dated XX/XX/year>, regarding the Consumer Financial Protection Bureau ( CFPB ) complaint I filed due to your continued and unlawful reporting of inaccurate information to the credit bureausspecifically Experian, XXXX XXXX XXXX 
Let me be very clear : I dispute the accuracy and legality of the derogatory information XXXX has furnished regarding alleged late payments in XXXX, XXXX, and XXXX of 2025. Your so-called investigation is woefully insufficient and fails to provide the level of documentation required under federal law. I demand immediate, full validation of this account in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 
Your response states that the final payment was 65 days past due as of XX/XX/year>. Yet you fail to explain : Why the remaining balance of {$24.00}, a minuscule amount, was not disclosed to me with sufficient notice to avoid delinquency. 
Why your internal systems allowed a payment schedule to be created that did not pay the loan in full, ultimately setting up the borrower for technical default.

Why you continued to verify derogatory information after multiple disputes, without providing any signed documentation, complete account history with itemized breakdowns, or written notices as required by law.

This behavior is not only negligentit borders on willful noncompliance and may be considered reckless or malicious intent to harm a consumers credit profile. As you are fully aware : Under FCRA 623 ( b ), furnishers of information are required to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information.

Repeated verification of inaccurate information without proper validation constitutes a willful violation of the FCRA, which is subject to statutory damages, actual damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Additionally, under 15 U.S.C. 1692e ( 8 ), knowingly communicating false credit information, including failure to report a dispute to the bureaus, is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 XXXXXX/XX/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 2025-07-06 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: OK

Complaint narrative:
There is two accounts showing Im on transunion credit report from XXXX, the payment received says {$0.00} my high credit balance shows {$500000.00} pay status = Paid, closed, was paid as agreed {$0.00} per month, paid monthly for 60 months, date closed XX/XX/XXXX. Under payment history XX/XX/XXXX shows 30 days late, XXXX XXXX 30 days late, XXXX XXXX  60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late, XXXX XXXX  120 days late, XXXX XXXX  120 days late. The information is incorrect and hurting my credit 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 non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief