vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a XXXX balance on my account. I do not owe anything as my card is completely paid off.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I filed two other complaints about this same issue. I just got off the phone with trans union speaking to them about incorrect information with the account saber acceptance. Prior to yesterday they had the account listed as paid after repossession. It was never repossessed so I disputed it. Today they have removed repossession and changed the account to just closed. It also shows closed last reported XXXX. I started that loan in XXXX but completely paid it off in XXXX of XXXX. My credit report on trans union was XXXX when they had incorrectly reported it as paid after repossession and today when they updated it to closed it dropped XXXX points. It should not be higher with a repossession than with a paid and closed account. That is the only thing that changed on my credit report. They need to accurately correct when it was reported XXXX and reflect it as paid and closed. They also need to show the payment history which they removed

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 2025-05-29 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2025-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: TX

Complaint narrative:
I have an executed settlement agreement with General Revenue Corp. and XXXX has not paid. They are now in breach of contract. I have no choice but to file a claim for breach here in Texas. 



This goes back to an ID theft student loan debt that wasn't mine. XXXX tried to collect on it for a year and then lied to the credit agencys about the validity of the debt by making a statement that I had made previous payments on the account therefore its a valid account, which was a lie. 

The college acknowledged that no payments were ever made on the account and it was proven that the account wasn't mine after careful due diligence by the college and XXXX filed police reports, an FTC affidavit and a local police report from XXXX XXXX police department. XXXX  would not block the debt ( negative item ) from my credit report thanks to XXXX 's lies. 



I want my payment and I want to know the reason XXXX has reneged on sending it by wire within the agreed time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT 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 2025-05-29 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: MA

Complaint narrative:
I am filing this formal complaint against Experian for knowingly and willfully violating my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and for failing to comply with obligations under identity theft protections provided by federal regulations.

Despite my repeated requests, including a documented identity theft report filed with the Federal Trade Commission ( FTC ), and confirmation from the collection agency that the disputed accounts should be removed, Experian continues to report fraudulent and inaccurate accounts on my credit report. 

Experian has falsely claimed that the accounts were removed as of XX/XX/XXXX, but this is not true. As of the date of this complaint, the accounts remain on my credit file, negatively impacting my creditworthiness, mental health, and access to financial opportunities. Their actions are a direct violation of the following provisions : Federal Laws Violated : FCRA, 15 U.S.C. 1681i ( a ) Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. Experian has failed to do so.

FCRA, 15 U.S.C. 1681c-2 Mandates the blocking of information resulting from identity theft within 4 business days after receiving proof, including a valid identity theft report and the consumer 's request. Experian has failed to block the fraudulent accounts in violation of this statute.

FCRA, 15 U.S.C. 1681n and 1681o Provides for civil liability and damages when a credit reporting agency willfully or negligently fails to comply with the Act. I am suffering damages due to Experians unlawful conduct.

Supporting Details : I submitted a formal FTC Identity Theft Report and valid identification. 
The debt collector/creditor has confirmed the account was fraudulent and requested its removal. 
Experian falsely stated that the item was deleted as of XX/XX/XXXX, yet it remains on my credit report. 
Their repeated failure to act is causing ongoing emotional distress, reputational harm, and financial damage. 
I believe Experian is acting with reckless disregard for the law, particularly harming vulnerable communities including the XXXX community, who already face systemic financial discrimination.

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 2025-05-29 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-29 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: MI

Complaint narrative:
This is a formal rebuttal to XXXX XXXX reply regarding accounts ending in XXXX. Their response fails to meet the legal standards of investigation and verification as required under the Fair Credit Reporting Act ( FCRA ) and misinterprets their duties under the Equal Credit Opportunity Act ( ECOA ).

Failure to Provide Proper Verification : XXXX XXXX asserts it validated the account by sending billing statements and a Cardmember Agreement ( CMA ). However, this is not a legal validation under FCRA 15 U.S.C. 1681s-2. The law requires a full investigation and factual verification, including a copy of the original contract bearing my wet signature ( if it exists ), proof of delivery or usage, and documented chain of custody confirming my liability.

Their claim that no signature is required for online applications does not satisfy the burden of verification when fraud or consumer dispute is asserted.

Reporting of a Canceled Account as Charge-Off : The account ending in XXXX was reportedly canceled on XX/XX/year>, yet XXXX XXXX continues to report it as an unpaid charged-off account. This is misleading and punitive, as it creates a derogatory status on my report that contradicts their own documentation of cancellation.

Violation of FCRA 1681i ( a ) : Reinvestigation Duties : XXXX XXXX response demonstrates a failure to conduct a lawful reinvestigation in response to my disputes filed via the CFPB and bureaus. Merely confirming the account exists and restating past correspondence does not constitute a reinvestigation under law. No new documentation or substantive analysis was provided.

Request for Immediate Deletion : Given the lack of proper verification, misclassification of liability, and failure to meet federal reinvestigation standards, I am requesting the immediate deletion of the following : XXXX XXXX account ending in XXXX ( reported as charge-off )

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 2025-05-29 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: MI

Complaint narrative:
This is a formal rebuttal to XXXX XXXX reply regarding accounts ending in XXXX. Their response fails to meet the legal standards of investigation and verification as required under the Fair Credit Reporting Act ( FCRA ) and misinterprets their duties under the Equal Credit Opportunity Act ( ECOA ).

Failure to Provide Proper Verification : XXXX XXXX asserts it validated the account by sending billing statements and a Cardmember Agreement ( CMA ). However, this is not a legal validation under FCRA 15 U.S.C. 1681s-2. The law requires a full investigation and factual verification, including a copy of the original contract bearing my wet signature ( if it exists ), proof of delivery or usage, and documented chain of custody confirming my liability.

Their claim that no signature is required for online applications does not satisfy the burden of verification when fraud or consumer dispute is asserted.

Reporting of a Canceled Account as Charge-Off : The account ending in XXXX was reportedly canceled on XX/XX/year>, yet XXXX XXXX continues to report it as an unpaid charged-off account. This is misleading and punitive, as it creates a derogatory status on my report that contradicts their own documentation of cancellation.

Violation of FCRA 1681i ( a ) : Reinvestigation Duties : XXXX XXXX response demonstrates a failure to conduct a lawful reinvestigation in response to my disputes filed via the CFPB and bureaus. Merely confirming the account exists and restating past correspondence does not constitute a reinvestigation under law. No new documentation or substantive analysis was provided.

Request for Immediate Deletion : Given the lack of proper verification, misclassification of liability, and failure to meet federal reinvestigation standards, I am requesting the immediate deletion of the following : XXXX XXXX account ending in XXXX ( reported as charge-off )

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Issue : Incorrect information on my credit report Company : XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Identifier : Unknown full account number - identified by creditor name and report data Complaint Summary : I am filing this complaint because an account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ) is being reported inconsistently across all three credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), which requires that credit information be accurate, complete, and verifiable. 

Although I do not have the full account number, the account can be identified by the following details : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
- Type : Personal Loan / Collection Account - Balance : {$1300.00} - Date Opened : XX/XX/XXXX - Last Payment Dates : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( Experian ) - Reported inconsistently on : TransUnion, Experian, and Equifax Discrepancy Details : - TransUnion : Reports the account as " open '' and " placed for collection, '' with no payment history or last payment date, showing a balance of {$1300.00} and an original balance of {$970.00}. 
- Experian : Lists the account as a " collection account '' with a past due balance of {$1300.00}, a last payment on CFPB Complaint : Inconsistent Credit Reporting XX/XX/XXXX, and a status last updated in XX/XX/XXXX. 
- Equifax : Shows the account as " open, '' marked as a " collection account '' in the comments, with a last payment date of XX/XX/XXXX, and a status updated in XX/XX/XXXX. 

These conflicting dates, account statuses, and reporting histories indicate the account is being inaccurately or unreliably reported. I believe this tradeline should be removed unless the furnisher can verify and correct the data consistently across all three bureaus. 

What I've done so far : I am currently disputing this item with each of the credit bureaus, but due to the severity of inconsistencies, I am also submitting this complaint to the CFPB for review and formal investigation. 

Requested Resolution : I am requesting that this account be removed from my credit reports due to inconsistent and unverifiable reporting, or that the furnisher be required to provide accurate, consistent, and verifiable documentation to all three credit reporting agencies. 

Attachments : - Screenshots from TransUnion, Experian, and Equifax showing the reporting inconsistencies - Balance and payment date discrepancies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Issue : Incorrect information on my credit report Company : XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Identifier : Unknown full account number - identified by creditor name and report data Complaint Summary : I am filing this complaint because an account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ) is being reported inconsistently across all three credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), which requires that credit information be accurate, complete, and verifiable. 

Although I do not have the full account number, the account can be identified by the following details : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
- Type : Personal Loan / Collection Account - Balance : {$1300.00} - Date Opened : XX/XX/XXXX - Last Payment Dates : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( Experian ) - Reported inconsistently on : TransUnion, Experian, and Equifax Discrepancy Details : - TransUnion : Reports the account as " open '' and " placed for collection, '' with no payment history or last payment date, showing a balance of {$1300.00} and an original balance of {$970.00}. 
- Experian : Lists the account as a " collection account '' with a past due balance of {$1300.00}, a last payment on CFPB Complaint : Inconsistent Credit Reporting XX/XX/XXXX, and a status last updated in XX/XX/XXXX. 
- Equifax : Shows the account as " open, '' marked as a " collection account '' in the comments, with a last payment date of XX/XX/XXXX, and a status updated in XX/XX/XXXX. 

These conflicting dates, account statuses, and reporting histories indicate the account is being inaccurately or unreliably reported. I believe this tradeline should be removed unless the furnisher can verify and correct the data consistently across all three bureaus. 

What I've done so far : I am currently disputing this item with each of the credit bureaus, but due to the severity of inconsistencies, I am also submitting this complaint to the CFPB for review and formal investigation. 

Requested Resolution : I am requesting that this account be removed from my credit reports due to inconsistent and unverifiable reporting, or that the furnisher be required to provide accurate, consistent, and verifiable documentation to all three credit reporting agencies. 

Attachments : - Screenshots from TransUnion, Experian, and Equifax showing the reporting inconsistencies - Balance and payment date discrepancies

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