vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: CA

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 2025-06-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: NJ

Complaint narrative:
I am disputing an inaccurate and inconsistently reported collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) appearing on my Equifax credit report. 
The account is being reported as open with a status of 120 days late, which is false and misleading. It should be closed and marked charge-off. 
XXXX  and XXXX  both report this same account as collection/chargeoff accurately. Equifax is the only bureau misreporting the account. 
The payment status and dates ( last activity/payment ) are inconsistent across the three credit bureaus. 
I am requesting that Equifax and/or XXXX XXXX XXXXXXXX remove or correct this inaccurate tradeline immediately, as required by the Fair Credit Reporting Act ( FCRA 1681s-2 ). Ive attached screenshots from XXXX  clearly showing the inconsistencies. 
This incorrect reporting is negatively impacting my credit and appears to be a form of re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent student loan by DEPT OF ED / XXXX- ( PARTIAL ACCOUNT NO : XXXX ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

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

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

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

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

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

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

XXXX XXXX XXXXXXXX XXXX....-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
This is my personal, good-faith request for relief under the FCRA, let this letter serve as a formal notice that you are knowingly reporting inaccurate, incomplete or unverifiable information regarding the accounts listed below. I am also disputing reporting law not whether or not an account is mine but whether or not t you have the verifiable proof that is required by law for the accounts listed below along with the Original Creditors Documentation. 



Please provide any and all contractual agreements between myself and the creditors listed or there is no verifiable proof that can validate I owe the debt listed below. 



The following accounts must be deleted IMMEDIATELY if validation has not been provided : HARRIS ( Original Creditor : XXXX XXXX XXXX ) Date Opened XXXX  Amount : {$260.00} Account Number : XXXXXXXX XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am unable to get into my Experian account to change the phone number associated with the account, and it is IMPOSSIBLE to get ahold of an actual person through Experian just to change the number. I have tried calling for two weeks now!!!! The phone number is no longer active. It also keeps saying the Security question and 4 digit code is incorrect and now says my password and email combo is incorrect when I know it is not. Ive emailed them at the email XXXX with no response. I am at my wits end, I just want to be able to speak to someone, log in and change the phone number so that I can unlock my credit. This is insane.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the presence of a bankruptcy entry currently listed on my credit report. After carefully reviewing the details, I want to emphasize that this information is inaccurate and should not be included in my credit file. I have obtained and attached an official letter from the court which clearly states that this bankruptcy is not to be reported to the credit bureaus. The presence of this entry despite that directive is both alarming and unjustified. 

To make matters more concerning, it appears that an unauthorized third party may have been involved in this situation, which raises serious questions about the legitimacy of how this information was submitted and processed. This not only compromises the accuracy of my credit profile but also undermines my trust in the handling of sensitive financial data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} INQUIRIES : XXXXXXXX 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
XXXX XXXX and Bank of America both have fraud accounts in my name that, after reporting through all three credit bureaus, failed to make any changes in the credit report and failed to provide any updates on investigation. 
XXXX - XX/XX/XXXX, {$5600.00} Bank of America - XX/XX/XXXX, {$1900.00} Additional report was made to FTC with no resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this formal complaint and dispute against the credit reporting agencies ( XXXX, XXXX, and XXXX  ) as well as the debt collection companies currently reporting inaccurate, unverifiable, or potentially illegal collection accounts on my credit reports. 

Background : The following collection accounts are being reported on my credit profile, but I believe they are : Inaccurate dates opened and last activity reporting Unverified Unlawfully reported And/or in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations & Grounds for Removal : FCRA 609 ( a ) ( 1 ) I have a right to request and receive a full validation of any account being reported. The bureaus and collectors have failed to provide original source documentation with my signature proving ownership of the debt. 

FCRA 602 ( A ) The reporting of inaccurate and unverifiable accounts harms my ability to access credit and violates the requirement that consumer reporting be fair and accurate.

FDCPA 809 ( b ) The collectors have not properly validated the debt upon request. Merely reporting data to credit bureaus without full legal verification does not satisfy the requirement.

FCRA 611 Upon receiving my disputes, the CRAs are required to conduct a reasonable investigation. The continued reporting of unverifiable and disputed information suggests either no investigation occurred, or it was not conducted in good faith.

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Guidelines Collection accounts must be reported using accurate formats and can not include obsolete, duplicated, or unverifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am filing this formal complaint and dispute against the credit reporting agencies ( Experian, XXXX, and XXXX  ) as well as the debt collection companies currently reporting inaccurate, unverifiable, or potentially illegal collection accounts on my credit reports. 

Background : The following collection accounts are being reported on my credit profile, but I believe they are : Inaccurate dates opened and last activity reporting Unverified Unlawfully reported And/or in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations & Grounds for Removal : FCRA 609 ( a ) ( 1 ) I have a right to request and receive a full validation of any account being reported. The bureaus and collectors have failed to provide original source documentation with my signature proving ownership of the debt. 

FCRA 602 ( A ) The reporting of inaccurate and unverifiable accounts harms my ability to access credit and violates the requirement that consumer reporting be fair and accurate.

FDCPA 809 ( b ) The collectors have not properly validated the debt upon request. Merely reporting data to credit bureaus without full legal verification does not satisfy the requirement.

FCRA 611 Upon receiving my disputes, the CRAs are required to conduct a reasonable investigation. The continued reporting of unverifiable and disputed information suggests either no investigation occurred, or it was not conducted in good faith.

XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 Guidelines Collection accounts must be reported using accurate formats and can not include obsolete, duplicated, or unverifiable data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX is original complaint however forgot to state. That when I called XXXX to voice my displeasure and concern. XXXX, after reducing my already established credit limit of {$11000.00} down to {$10000.00} ( see original complaint ) XXXX  had audacity to suggest I fill out loan application requesting to raise my limit.... that's XXXX XXXX  seeing as XXXX reduced my limit in 24 hours without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
These accounts are not his and continue to interfere with his ability to move forward. Most recently, he was denied approval for an apartment because of these lingering items. As shelter is a basic human need, I am urgently requesting that his file be expedited so we can secure this housing opportunity and restore stability. 

Below are the accounts that need to be removed immediately : ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm : 1.Which of these accounts have been removed.

2.What actions are currently in progress.

3.What remains to be addressed and by when. 

Additionally, if there are specific steps on our end that will support or speed up this process, kindly advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX XXXX XXXX and reflected on my report with Equifax Information Services LLC. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with Equifax Information Services LLC, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, Equifax Information Services LLC responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX XXXX XXXX XXXX. 
Additionally, the actions of Equifax Information Services LLC and XXXX XXXX XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

Company response to consumer: Closed with explanation