vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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 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 2025-12-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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 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 2025-12-02 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-02 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: UT

Complaint narrative:
I am submitting this third-round follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX Balance : {$1600.00} Original creditor XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$750.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: UT

Complaint narrative:
I am submitting this third-round follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX Balance : {$1600.00} Original creditor XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$750.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-02 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Last year in XXXX, I decided to switch phone companies from XXXX to XXXX. I paid my bill on XX/XX/year> as always. Before the end of the month, I called XXXX customer service ( XXXX ) and eventually got connected with a representative who helped me end my service. Before the phone call ended, I specifically asked if I needed to pay anything else or if I made the switch just in time ( before the next billing cycle took effect ). The woman on the other end said I was fine, and that I did not need to worry about anything else. I was all set and the phone call was ended. Fast forward to this year and XXXX eventually had Source Receivables Management attempt to collect XXXX. Firstly, my regular bill amount ( IF owed ) was XXXX, meaning the new amount is incorrect. This was not a result of interest either because the statement they provided did not charge me for interest at all on a month to month basis. Secondly, I was told I had paid all my bills as aforementioned. Now theyve gone ahead and reported it despite me saying all this to them as well. It has wrecked my credit.This is apparently a common business practice for XXXX according to other experiences from research I did. My credit score plummeted. I literally have no missed payments in my entire credit account history. Why would I miss this one if I truly owed it? I need it removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 
XXXX XXXX XXXX  XXXX Balance : {$900.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX was past due 30 days three times- Only reported in XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX was past due 30 days - Only reported in XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, or removed within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

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 2025-12-02 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am submitting a complaint regarding inaccuracies and inconsistent reporting across Experian, Equifax, and TransUnion involving multiple accounts that have all been corrected and brought back into good standing but continue to display late-payment notations that do not accurately reflect their final status. For Experian, the XXXX XXXX Bank XXXX account XXXX XXXX ) is showing a XXXX late for XX/XX/XXXX with a {$920.00} balance ; XXXX Auto account ( XXXX ) reflects XXXX lates for XX/XX/XXXX and XX/XX/XXXX and a XXXX late for XX/XX/XXXX with a {$30000.00} balance ; another XXXX Auto account ( XXXX ) shows a XXXX late for XX/XX/XXXX with a {$59000.00} balance ; and XXXX  account XXXX shows a XXXX late for XX/XX/XXXX despite being reported differently to other bureaus. For Equifax, the XXXX XXXX Bank XXXX account XXXX XXXX ) shows a XXXX late for XX/XX/XXXX with a {$760.00} balance ; XXXX Auto account ( XXXX ) reflects the same pattern of lates as reported by Experian ; XXXX Auto account ( XXXX XXXX shows a XXXX late for XX/XX/XXXX ; and XXXX Auto account ( XXXX ) shows a {$4300.00} balance but is not listed on Experian. For TransUnion, the XXXX XXXX Bank XXXX account XXXX XXXX ) is showing a XXXX late for XX/XX/XXXX with a {$1600.00} balance ; XXXX Auto account ( XXXX ) again shows the repeated XXXX and XXXX lates listed above ; XXXX Auto account ( XXXX ) shows a XXXX XXXX for XX/XX/XXXX ; XXXX Auto account ( XXXX ) displays a {$4300.00} balance and does not match Experians reporting ; and a closed XXXX Auto account ( XXXX ) showing a {$0.00} balance reflects XXXX lates from XXXX and XX/XX/XXXX even though the account was fully resolved. These reporting inconsistencies across all three bureaus fail to reflect updated and corrected payment histories in accordance with FCRA 602, 611, 623 ( a ) ( 2 ), 623 ( b ), and the principles of proper account correction reflected in 15 U.S.C. 1666. All of these accounts were ultimately brought current and resolved, and the reporting does not reflect their paid-as-agreed final status, resulting in an inaccurate portrayal of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am submitting a complaint regarding inaccuracies and inconsistent reporting across Experian, Equifax, and TransUnion involving multiple accounts that have all been corrected and brought back into good standing but continue to display late-payment notations that do not accurately reflect their final status. For Experian, the XXXX XXXX Bank XXXX account XXXX XXXX ) is showing a XXXX late for XX/XX/XXXX with a {$920.00} balance ; XXXX Auto account ( XXXX ) reflects XXXX lates for XX/XX/XXXX and XX/XX/XXXX and a XXXX late for XX/XX/XXXX with a {$30000.00} balance ; another XXXX Auto account ( XXXX ) shows a XXXX late for XX/XX/XXXX with a {$59000.00} balance ; and XXXX  account XXXX shows a XXXX late for XX/XX/XXXX despite being reported differently to other bureaus. For Equifax, the XXXX XXXX Bank XXXX account XXXX XXXX ) shows a XXXX late for XX/XX/XXXX with a {$760.00} balance ; XXXX Auto account ( XXXX ) reflects the same pattern of lates as reported by Experian ; XXXX Auto account ( XXXX XXXX shows a XXXX late for XX/XX/XXXX ; and XXXX Auto account ( XXXX ) shows a {$4300.00} balance but is not listed on Experian. For TransUnion, the XXXX XXXX Bank XXXX account XXXX XXXX ) is showing a XXXX late for XX/XX/XXXX with a {$1600.00} balance ; XXXX Auto account ( XXXX ) again shows the repeated XXXX and XXXX lates listed above ; XXXX Auto account ( XXXX ) shows a XXXX XXXX for XX/XX/XXXX ; XXXX Auto account ( XXXX ) displays a {$4300.00} balance and does not match Experians reporting ; and a closed XXXX Auto account ( XXXX ) showing a {$0.00} balance reflects XXXX lates from XXXX and XX/XX/XXXX even though the account was fully resolved. These reporting inconsistencies across all three bureaus fail to reflect updated and corrected payment histories in accordance with FCRA 602, 611, 623 ( a ) ( 2 ), 623 ( b ), and the principles of proper account correction reflected in 15 U.S.C. 1666. All of these accounts were ultimately brought current and resolved, and the reporting does not reflect their paid-as-agreed final status, resulting in an inaccurate portrayal of my financial 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 non-monetary relief
Consumer complaint received 2025-12-02 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: WA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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