vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very upset to find that inaccurate late payments continue to show on my credit report today. They did not disappear after refreshing the page, which is incredibly frustrating, and I am demanding that the documents I sent be thoroughly examined right away so this problem is fixed without any further delay.

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 2025-12-23 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report. Below are the accounts in dispute, separated by bureau, including charged-off accounts, inquiries, positive accounts, and late payments. Please review and correct the discrepancies as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
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 non-monetary relief
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the

inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. Authorization Documentati
on : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by 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 2025-12-23 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe are inaccurately reported on my credit file. The details of these disputed accounts are as follows : CHARGED OFF XXXX  XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} UNAUTHORIZED XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, Balance : {$470.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} INQUIRIES XXXX Date XXXX XX/XX/XXXX LATE PAYMENT XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ava Finance, Inc
State: TX

Complaint narrative:
I have a a auto loan for XXXX on my credit that needs to be removed its only one auto loan called XXXX XXXX with is a fraudulent account I didnt open and all inquires from the beginning of XXXX till XX/XX/XXXX all need to be removed all are fraudulent and I have a credit card called ava finance also needs to be removed off all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-12-23 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 writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank 's incompetence led to {$8000.00} in losses on XX/XX/XXXX and XX/XX/XXXX. There were thriteen straight transactions from XXXX withdrawing money. Chase should have stopped the withdrawals after three in a row. But they allowed hackers to withdraw money 13 times! They are not reimbursing me for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent a check for payment and it probably arrived at the post office and it got lost on the way to Capital One I called Capital One and they told me to send it to Capital One 's Credit Bureau And I wrote all the details at length and in cold blood. They answered me with nonsense and nonsense and they didn't get into the case at all. 
I strongly request that Capital One inform the Credit Bureau of what happened and restore my credit to the good it was. 
I want to go against Capital One all the way through the CFPB My husband also had a technical problem with Capital One and called them at least 50 times and they didn't want to help him Until the CFPB intervened and within a few days the problem was solved I beg you to make sure that the injustice that Capital One is doing to their customers stops quickly Especially since my family has been their customers for many years And this is the first time this problem has happened to me and I have to work hard day and night to solve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 non-monetary relief
Consumer complaint received 2025-12-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint because American Express continues to furnish inaccurate, contradictory, and misleading credit reporting despite repeated written disputes and validation requests. 

American Express is reporting the same account with conflicting statuses across consumer reporting agencies, including but not limited to : Open, Closed, In Good Standing, and Charge-Off. These statuses are mutually exclusive and can not all be accurate. 

American Express is also reporting inconsistent balances, limits, payment histories, and late counts across XXXX XXXX and XXXX violating the requirement to ensure maximum possible accuracy. 

Despite receiving : A formal validation request on XX/XX/2025 A final demand for correction on XX/XX/2025 Multiple bureau disputes American Express has never provided lawful validation, including a signed agreement, itemized balance, charge-off calculation, or consistent payment history. 

Additionally, American Express continues to furnish new monthly charge-off updates while claiming disputes are resolved, even though the underlying inaccuracies were never corrected. 

American Express is knowingly furnishing information it knows or should know is inaccurate, in violation of the Fair Credit Reporting Act. 

Why is this an issue? 

Conflicting account statuses violate accuracy requirements Inconsistent payment histories can not all be correct Furnishing continued data after unresolved disputes violates FCRA 623 ( b ) Failure to validate violates FCRA 623 ( a ) Reporting violates FCRA 607 ( b ) and 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Experian is not properly reading or processing my disputes. It is astonishing that a company making billions of dollars from reporting consumer credit information can not even correctly review or respond to a factual dispute. This is my third complaint against Experian regarding multiple items on my credit report, including late payments, charge-offs, collections, repossessions, bankruptcies, and inquiries. Despite sending numerous disputes over well over three months, Experian has closed complaints without providing any verification, documentation, or meaningful response. 
The items in question include, but are not limited to : XXXX XXXX Late Payment ( {$85.00}, In-Dispute ) XXXX  XXXX Bank XXXX Late Payment ( {$37.00}, In-Dispute ) XXXX XXXX XXXX  ( XXXX XXXX Bank XXXX XXXX Collections ( {$1500.00} / {$1300.00}, In-Dispute ) XXXX XXXX XXXX XXXX Charge-off ( {$2100.00} , In-Dispute ) XXXX XXXX Charge-off ( {$880.00}, In-Dispute ) XXXX  XXXX XXXX XXXX ( {$7400.00}, In-Dispute ) XXXX XXXX XXXX Late Payments ( {$1300.00} / {$3500.00}, In-Dispute ) XXXX XXXX Late Payment ( {$0.00}, In-Dispute ) XXXX XXXX  Late Payments ( {$260.00} / {$220.00}, In-Dispute ) Multiple inquiries including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Card, and others Experian has never provided documentation or verification as required by federal law. Verification of these items must include : Charge-offs, collections, and late payments : Official account statements, billing history, payment receipts, or ledgers demonstrating the reported delinquency and exact dates. 
Bankruptcy : Court filings, discharge notices, or official documentation confirming the status. 
Inquiries : Verification that the inquiry was legally authorized and properly documented.

Under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 3 ), furnishers and CRAs must ensure maximum possible accuracy, maintain verifiable documentation, and report items correctly, especially once a consumer has disputed them. Metro 2 Compliance Manual 4.2.2, 4.3.1, and 6.2.1 further require that all derogatory or disputed codes be supported by documentation, and reporting unverifiable information constitutes factual inaccuracy. Under the FDCPA, furnishers and reporting agencies must refrain from reporting false, misleading, or unverifiable information that can harm consumers creditworthiness. 
I have requested proper verification and documentation for all disputed items, including supporting account and bankruptcy records, for well over three months.

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