vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
Experian completed a reinvestigation of multiple accounts on my credit report and reported the accounts as verified or verified and updated. I did not receive mailed notice of the investigation results for my initial dispute, and Experian did not provide evidence that those results were sent. 

After receiving subsequent verification responses, I requested additional information regarding how the verification was performed. Specifically, I requested the method of verification, including the verification procedure used, the source contacted, and the records relied upon to verify the reporting. 

Experian did not provide this information and instead relied on general statements that the information was verified or certified by the furnisher. Experian continues to report the accounts as verified while refusing to disclose how the verification was performed, preventing me from understanding or challenging the accuracy of the 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 2025-12-22 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: OH

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU added unauthorized XXXX  charges to my auto loan totaling {$700.00} ( {$280.00} on XX/XX/XXXX ; {$140.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) despite my continuous XXXX coverage since XXXX lapses, RBFCU listed as lienholder. I provided proof weeks before first charge ; RBFCU confirmed receipt/removal on XX/XX/XXXX & XX/XX/XXXX emails/letters. Wife resent on XX/XX/XXXX ; I re-sent XXXX confirmation twice on XX/XX/XXXX. Still charged post-confirmations; received XX/XX/XXXX letter threatening XX/XX/XXXX charge. RBFCU did not verify with XXXX or XXXX. This is my 4th RBFCU loannever prior issues. Ongoing despite proofs violates fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 

Thank you for your prompt attention to this matter. I expect a swift and appropriate 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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
This account was previously investigated and deleted from my credit report. It has now been reinserted without proper notification. Please remove this account immediately or provide verification of reinsertion as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 experienced two separate incidents of identity theft. When I found out they occurred I filed a police report and a report with identity theft.gov For some reason the credit bureau has failed to make multiple corrections leading to problems related to my creditworthiness.

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 2025-12-22 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: NJ

Complaint narrative:
Some tried to open CC to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Don't understand because my credit is frozen.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please check over this entry ; its late and potentially erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
Would you verify this entry? Its late and possibly erroneous.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting multiple charged-off accounts, late payment information, and hard inquiries without ensuring maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Several tradelines are incomplete, unverifiable, inaccurately balanced, or improperly categorized, and the inquiry activity reflects excessive and potentially unauthorized access to my credit file. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened XX/XX/XXXX | Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$14000.00} XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | Balance {$0.00} These accounts are inaccurate, incomplete, misleading, and/or unverifiable. If Equifax can not produce full documentary proof of accuracy, authority, and balance validation, each tradeline must be deleted immediately. 

Inquiries in Dispute ( Unauthorized / Excessive ) XXXX  ( multiple dates ), XXXX XXXX XXXX ( multiple dates ), XXXX, XXXX, XXXX, XXXX, XXXX Equifax has failed to ensure these inquiries were supported by a valid permissible purpose under 15 U.S.C. 1681b. Any inquiry lacking proof of authorization must be deleted. 

Late Payment in Dispute XXXX XXXX XXXX XXXX XXXX XXXX This late payment is inaccurately reported and must be fully verified or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion continues to report inaccurate, incomplete, and misleading information, including charged-off accounts, collections, inquiries, and late payments without conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX | {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX | {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | {$150.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$0.00} XXXX XXXX | {$800.00} These accounts are inaccurate, incomplete, and improperly verified. Continued reporting without proof constitutes willful non-compliance. 

Inquiries in Dispute XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These inquiries lack demonstrated permissible purpose and must be removed unless TransUnion can produce evidence of authorization. 

Late Payment in Dispute XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
My XXXX gave information for interest free financing. That turned out to be via Affirm. However, the only way to confirm eligibility was to wind up with an account. My bikl at the XXXX  was less than estimated. I never used the Affirm account. When I attempted to cancel it, I was told I couldn't because requesting to cancel was a " change '' on an unused account that required 30 days before I could cancel. Here i am 30 days later, still unable to cancel my account. I was allegedly transfered to a supervisor that did nothing more than the first individual I spoke to and wouldn't cancel my account. When I asked to speak to her supervisor she refused. I want this account closed. I want them to be unable to treat anyone else this way. This is a terrible nightmare. Im just glad I didn't attempt to use them for financing. The horror stories from people who have are ridiculous. How are they able to remain in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I am disputing the following accounts in their entirety, as they are the direct result of unauthorized use of my personal information and can not be verified as belonging to me : Pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681, 1681b, 1681e, 1681i, and 1681c-2 ( a ), Experian is legally obligated to maintain maximum possible accuracy and to block and delete any information resulting from identity theft or data compromise that can not be independently verified with competent evidence. 

Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$590.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00}

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 2025-12-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inquiries on my credit report that I did not authorize or recognize and request their prompt removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

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 2025-12-22 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: NC

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 non-monetary relief
Consumer complaint received 2025-12-22 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 am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation