vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
Please assist me CFPB .. EXPERIAN is allowing unverifiable accounts to remain on my credit file even after receiving supporting documentation on numerous occasions in reference to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX These items listed are a violation of FCRA 15 USC 1681e ( b ) of The Fair credit reporting act I request Experian delete every item in this complaint from my credit report in according with 15 USC 1681i ( 5 )

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 2025-07-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-07-13 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Absolute Resolution Investments bought an account with my name attached to it. I had been paying while under the impression this was my account. Being a victim of fraud and having fraudulent accounts setup in my name before, I asked the company to provide me with contractual information including my signature stating I opened and authorized this account. Instead, Absolute Resolution Investments sent me pages of information regarding how they acquired my he account. The company had no detailed contractual agreement between me and any other party. There were no documents bearing my name or signature. While disputing the validity of the account, the company broke the law by reporting the account as late to the credit reporting bureaus. I stand firm in saying this is a fraudulent account setup using stolen personal information. This account is being disputed under the FCRA. I am demanding to be released from any obligation whatsoever involving this account and company. My police report outlines the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-07-13 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: CA

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-07-13 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: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate, incomplete, or unverifiable items on my Experian credit report ( report date : XX/XX/XXXXXXXX  ) under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I request a reinvestigation and prompt deletion or correction of these items, as they fail to meet the FCRAs accuracy and verification standards. 

Disputed Accounts : XXXX. XXXX XXXX XXXX  ( Account # XXXX ) o Listed as a collection account for {$10000.00}. 
o Dispute Basis : No validation of debt was provided, and the account lacks documentation proving ownership or accuracy per 1681s-2 ( b ). The original creditor ( XXXXXXXX XXXX ) is not reflected correctly, and the debts chain of custody is unverified. 
XXXXXXXX XXXX XXXX ( Account # XXXX ) o Charged-off status for {$360.00}. 
o Dispute Basis : The payment history shows inconsistencies ( e.g., " No data '' periods ). The account was disputed in XX/XX/XXXXXXXX   but remains unresolved. Under 1681i ( a ) ( 1 ) ( A ), unverified items must be deleted. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX ) o Charged-off status for {$3300.00}. 
o Dispute Basis : The account history includes conflicting delinquency dates ( e.g., 150 days past due in XX/XX/XXXX, but charged off in XX/XX/XXXXXXXX  ). This violates 1681e ( b ) ( accuracy requirements ). 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) o Charged-off auto lease for {$10000.00}. 
o Dispute Basis : The repossession and charge-off dates overlap ( XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  ), suggesting duplicate reporting. The original balance ( {$28000.00} ) is misreported, violating 1681i ( c ). 
XXXX. XXXXXXXX XXXX  ( Account # XXXX ) o Charged-off status for {$6000.00}. 
o Dispute Basis : The balance history shows no payments since XX/XX/XXXX, yet the status was updated in XX/XX/XXXX without evidence of re-verification per 1681i ( a ) ( 5 ). 

Legal Grounds for Dispute : FCRA 1681i ( a ) : Requires credit bureaus to conduct a free reinvestigation within 30 days and correct/delete unverifiable data.

FCRA 1681s-2 ( b ) : Furnishers ( e.g., debt buyers ) must investigate disputes and report only accurate information.

FCRA 1681c : Most negative items older than 7 years must be removed ( e.g., XXXXXXXX XXXX  XXXX charge-off may be obsolete ).

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 2025-07-13 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: FL

Complaint narrative:
My name is XXXX XXXX and my entire life has changed since I have become a victim of identity theft. I am in the process of taking back my life since being victimized. I am in the process of trying to purchase a home, however, I have noticed that they are several fraudulent accounts reporting on my credit profile that is hindering my ability to purchase a home. I have listed these accounts on the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
XXXX XXXX  has reported a 30-day late mortgage payment to Experian on XX/XX/year>, which is both inaccurate and financially harmful. 

I spoke with a XXXX representative in late XX/XX/year>XXXX  to inform them that I would be assuming payment responsibility and requested an extension to allow for income deposit and payment arrangement. XXXX confirmed in a written notice dated XX/XX/year>, that they were holding a {$1500.00} payment, and only {$780.00} remained to complete a full payment. 

I mailed the remainder on or around XX/XX/XXXX, via USPS Priority Mail with tracking, prior to the late payment being posted to my credit report. At no time did XXXX notify us that this payment would not be applied retroactively or that it would trigger derogatory credit reporting. 

XXXX  failure to apply the partial payment to the XXXX payment ( which was in arrears ), or to notify us of their intent to report a 30-day delinquency while holding payment, constitutes negligent servicing and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ). 

I am also including a Power of Attorney document authorizing XXXX XXXX XXXX to act on my behalf in all communication and dispute matters related to this loan. 

This reporting threatens my ability to refinance, retain housing, and protect family assets. XXXX must remove the derogatory mark and acknowledge the account as in good standing.

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 2025-07-13 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: CA

Complaint narrative:
XXXX XXXX  has reported a 30-day late mortgage payment to XXXX  on XX/XX/year>, which is both inaccurate and financially harmful. 

I spoke with a XXXX representative in late XX/XX/year>XXXX  to inform them that I would be assuming payment responsibility and requested an extension to allow for income deposit and payment arrangement. XXXX confirmed in a written notice dated XX/XX/year>, that they were holding a {$1500.00} payment, and only {$780.00} remained to complete a full payment. 

I mailed the remainder on or around XX/XX/XXXX, via USPS Priority Mail with tracking, prior to the late payment being posted to my credit report. At no time did XXXX notify us that this payment would not be applied retroactively or that it would trigger derogatory credit reporting. 

XXXX  failure to apply the partial payment to the XXXX payment ( which was in arrears ), or to notify us of their intent to report a 30-day delinquency while holding payment, constitutes negligent servicing and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ). 

I am also including a Power of Attorney document authorizing XXXX XXXX XXXX to act on my behalf in all communication and dispute matters related to this loan. 

This reporting threatens my ability to refinance, retain housing, and protect family assets. XXXX must remove the derogatory mark and acknowledge the account as in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-13 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the morning of XXXX, XX/XX/year>, at approximately XXXXXXXX XXXX, I entered the XXXX XXXX XXXX BMO branch location to withdraw funds from a check that had been deposited into my account. The check amount was under {$5400.00} and had cleared and posted to my account the previous day. BMOs own customer service team had confirmed that the full funds were available and not under any hold, as did the teller from the XXXX XXXX BMO branch. 

Despite this, the XXXX branch teller and assistant manager refused to allow me to access my own money. They offered no legal justification and would not provide any documentation about a hold or restriction. I remained calm and asked multiple times for an explanation. I have clear video evidence of this encounter, showing both employees refusing to release the funds even after I explained that customer service had confirmed their availability. At no point did the staff reference a returned check, fraud, or legal hold. The denial appeared discretionary and arbitrary. 

As a result of their refusal, I was forced to take multiple costly steps to access funds in alternate ways. I had to : Pay for an extended XXXX rental Use multiple XXXX  rides between financial service locations Purchase money orders at a premium Incur administrative delays and emotional distress Most importantly, I was prevented from picking up my children on time from an event, which caused emotional harm to my family Additionally, due to the number of transactions I was forced to make ( trying to access small amounts at a time ), BMO flagged my account for fraud and restricted my debit card, compounding the damage. I was unable to complete pending payments, and my access to basic services was further delayed. 

I believe this treatment was not just a violation of my financial rights under Regulation CC, but that it may also reflect discriminatory conduct. I am a person of XXXX, and the treatment I received lacked any justifiable policy basis and involved visibly different treatment than what I have observed others receiving in similar banking situations. Given the lack of transparency, refusal to assist, and discretionary use of restrictions, I am submitting this complaint as a potential civil rights violation involving race-based discrimination. 

I am in possession of video evidence clearly showing the teller and assistant manager denying access to funds and failing to follow lawful procedures. I have also filed complaints with BMO, the XXXX, and XXXX state regulators. 

I am requesting that the CFPB investigate this incident for potential disparate treatment and civil rights violations by a federally regulated financial institution.

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 2025-07-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-07-13 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: GA

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2 I am filing this complaint because I have an unauthorized account for Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit reports with Experian and Equifax. Despite disputing this account directly with the credit bureaus and the collection agencies, it has not been removed.

I have provided notarized affidavits of identity theft, FTC identity theft reports, and other supporting documentation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), these fraudulent items must be blocked and removed within four business days. I am requesting the CFPB to investigate and intervene on my behalf to enforce compliance and protect my consumer rights.

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 2025-07-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Date : XX/XX/XXXXXXXX  To : TransUnion, Experian, Equifax [ Credit Bureau XXXX ] Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Dear, I am writing to formally dispute inaccurate information on my credit report as provided by XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). According to my records, this account has always been maintained in good standing. However, your report reflects late payments ( codes 30, 60, 90 ) for various months in XXXX  and XXXX, which I strongly contest as inaccurate and unverifiable. 
The following issues exist : 1. Inconsistent Reporting : o TransUnion and Experian report several months of late payments ( 30/60/90 days ), while Equifax shows the same months as OK or not late, which indicates reporting discrepancies across bureaus.

2. Violation of FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : o The Fair Credit Reporting Act mandates that credit reporting agencies must ensure maximum possible accuracy of the information they report. These conflicting statuses can not be simultaneously accurate and therefore violate this statute.

3. Violation of FCRA 611 ( 15 U.S. Code 1681i ) : o This section gives me the right to dispute inaccurate or unverifiable information, and XXXX XXXX is legally required to investigate and delete any information that can not be verified as 100 % accurate.

4. Furnisher Liability FCRA 623 ( 15 U.S. Code 1681s-2 ) : o The data furnisher ( XXXX  XXXX ) is also in violation for furnishing inaccurate and conflicting information across multiple bureaus. Reporting differing statuses to the three major bureaus is misleading and damaging. 

Demand for Immediate Deletion : As the data reported is clearly inconsistent, inaccurate, and unverifiable, I hereby demand the immediate deletion of the derogatory late payment entries associated with this XXXX XXXX account. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies for continued reporting of false information, including damages for reputational and financial harm. 
I have attached a copy of my credit report highlighting the errors, along with a copy of my ID and proof of address for your verification. 
I expect a full resolution of this matter within the 30-day investigation period, as required by law.

Sincerely, XXXX XXXX Supporting Attachments : Copy of highlighted credit report ( showing late payment discrepancies ) Copy of government-issued ID Proof of address

Company response to consumer: Closed with non-monetary relief