vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because the three major credit bureaus, Experian, Equifax, and TransUnion, have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted since XX/XX/year>, and most recently on XX/XX/year>, the bureaus continue to report inaccurate, unverifiable, and misleading information on my credit file. 

The disputed items include : Charge Off : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Previous addresses ( XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ) XXXX Employer Information : XXXX XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus have failed to : Conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) I specifically requested the method and procedures used to verify these items, the full contact information for the furnishers of each account, and documentation relied upon in the verification process. None of this has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX, which XXXX XXXX  confirmed would be removed but remains on my reportIt is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-27 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: OH

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am really frustrated because the inaccurate late payments are still showing up on my credit report, even as of this morning. This makes no sense to me. I refreshed my browser thinking it might just be a glitch, but the problem is still there. I need my documents to be reviewed immediately so that this matter is fully resolved and I can stop worrying about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I made a dispute XX/XX/XXXX on this fraud with XXXX XXXX. The results were given the very same day. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax failed to investigate thoroughly. 

The documents I've attached show my activity is all in XXXX tx, not in XXXX XXXX where the fraud is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I have not granted permission for this inquiry, nor did I communicate with the lender on the specified date.

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 2025-08-27 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: DISCOVER BANK
State: CA

Complaint narrative:
My personal information was compromised in the Equifax Data Breach. As a result, multiple fraudulent accounts, inquiries, and an incorrect address have appeared on my credit reports. 
I have been incarcerated since XX/XX/year> and therefore could not have opened or managed any credit accounts. These accounts and inquiries are fraudulent and are harming my credit. 

I have already disputed these items with Experian under FCRA 605B, submitted an FTC Identity Theft Report ( # XXXX ), and provided proof of incarceration and breach confirmation. I am requesting full deletion/blocking of the fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I reached out to the company Pro Collect about removing a dispute notation from my credit report. Immediately the representative got extremely rude and insisted that I pay. I am not denying the amount owed. I fully intend to pay it, I just do not have it all at this time. However I have the right to get a dispute notation removed from my credit report through the collection company PRO COLLECT and they have refused.

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 2025-08-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
In past experiences with Huntington you can call as much as you want, but only a cfob complaint gets them to close your account. Please let this serve as written peoof I want to close my account. It has a {$0.00} balance, nothing pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: WI

Complaint narrative:
I applied for a personal loan thru BHG Financial online. I was approved for roughly XXXX but I only wanted XXXX. I submitted all my financial paperwork to them only to find out underwriting denied my loan. I received an adverse action letter from them claiming it was denied for a derogatory public record, however none exist and they refuse to give me anything but a runaround when I call. I submitted a certified letter to them demanding the requested information on why my loan got denied in the first place however all they responded back with was a copy of my credit report. My credit is perfect with nothing bad on in, my debt to income ratio is good I have XXXX reason for a denial. And they refuse to discuss this over the phone, they keep telling me that a supervisor will call me back, but none does.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
My name is XXXX XXXX and my ChexSystems Consumer ID is XXXX. 

I have unauthorized inquiries appearing on my ChexSystems consumer report. I did not authorize or apply with the institutions that made these inquiries, and I have no prior relationship with them. I filed an FTC Identity Theft Report documenting the unauthorized use of my personal information ( attached ). 

The following inquiries were made without my knowledge or consent : Pennsylvania State Employees XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, MN XX/XX/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 XXXXXX/XX/XXXX ChexSystems has also placed restrictions on my account that prevent me from both accessing my own consumer report online and disputing inaccuracies through the online dispute portal. When I attempted to submit disputes, I received a message stating that ChexSystems could not process my dispute and that I must mail documents instead. This creates an unnecessary burden and denies me my rights under the Fair Credit Reporting Act ( FCRA ). 

Violations/ Concerns : Failure to allow me reasonable access to my own consumer report. 
Failure to provide a reasonable method to dispute inaccurate information. 
Reporting and maintaining unauthorized inquiries that I did not initiate. 
Failure to conduct a reasonable reinvestigation when presented with an identity theft report.

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 2025-08-27 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:
I am disputing the several items on my credit report that are inaccurate, incomplete, and unverifiable, which are causing significant stress and negatively affecting my financial well-being. Upon reviewing my report, I noticed a XXXX XXXX account with a balance of {$4000.00} reported as a charge-off. Because this debt exceeds {$600.00}, federal law requires that the creditor issue an IRS Form 1099-C for canceled debt. I have not received any such documentation, and therefore this entry can not be verified and should be removed from my credit file.

Additionally, my report lists a charge-off from XXXX showing a XXXX balance. According to FCRA 605 ( a ) 15 U.S. Code 1681c, information that is obsolete, inaccurate, or unverifiable must be removed from a consumers credit report. This account reflects either incomplete or inaccurate reporting, and I request that it be deleted immediately.

Furthermore, my credit report contains inquiries from XXXX XXXX and XXXX XXXX XXXX that I did not authorize. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all inquiries must have a permissible purpose, and under FCRA 619 15 U.S.C. 1681q, reporting inquiries without consent or legal basis is prohibited. These inquiries are unauthorized and must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 disputing the several items on my credit report that are inaccurate, incomplete, and unverifiable, which are causing significant stress and negatively affecting my financial well-being. Upon reviewing my report, I noticed a XXXX XXXX account with a balance of {$4000.00} reported as a charge-off. Because this debt exceeds {$600.00}, federal law requires that the creditor issue an IRS Form 1099-C for canceled debt. I have not received any such documentation, and therefore this entry can not be verified and should be removed from my credit file.

Additionally, my report lists a charge-off from XXXX showing a XXXX balance. According to FCRA 605 ( a ) 15 U.S. Code 1681c, information that is obsolete, inaccurate, or unverifiable must be removed from a consumers credit report. This account reflects either incomplete or inaccurate reporting, and I request that it be deleted immediately.

Furthermore, my credit report contains inquiries from XXXX XXXX and XXXX XXXX XXXX that I did not authorize. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all inquiries must have a permissible purpose, and under FCRA 619 15 U.S.C. 1681q, reporting inquiries without consent or legal basis is prohibited. These inquiries are unauthorized and must be removed from my credit file.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently looked at my credit profile and noticed a number of inaccurate accounts, inquires, addresses and names on my credit report. Those unauthorized inquires consist of the following : Equfax  : XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year> The unauthorized accounts consist of : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion : 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 disputed multiple accounts and credit inquiries with Experian that I do not recognize or authorize. I included my Identity Theft Report with the disputes to confirm that these accounts and inquiries are the result of identity theft. Despite this, Experian has failed to remove the disputed items, and they are still being reported on my credit file.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, On XX/XX/XXXX, I submitted a dispute regarding the account above. Instead of yall deleting the account due to the documented inaccuracies, you chose to update it and mark it as verified.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I have the right to know : The method you used to verify the information. How you verified it?

The name, address, and telephone number of the person or entity you contacted and spoke to, to verify this account.

A copy of any documentation you relied upon during your investigation.

The law requires a reasonable reinvestigation not properly checking electronic data from the furnisher is not sufficient, as confirmed in multiple federal court rulings ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am asking you directly : XXXX verified this account? 
-What records did you review? 
-How did you determine the account is accurate given the conflicting and outdated information I gave in my dispute? 
If you can not provide verifiable, admissible evidence to support the continued reporting of this account, you have to delete it from my credit file in compliance with FCRA 611 ( a ) ( 5 ) ( A ).

If you fail to do so, I will escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General. I will also save all records for potential civil action under FCRA 616 & 617 for willful and negligent noncompliance.

I expect your written response within 15 days of receiving this letter.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I attended a XXXX timeshare presentation on XX/XX/year>, where I was pressured into signing a large stack of documents. At no point was I told I was applying for a credit card. I believed the paperwork was related to timeshare ownership/ financing. When the Barclays XXXX XXXX card arrived in the mail, I discovered it was already maxed out at {$4000.00} with a charge to XXXX XXXX XXXX. I had not activated or used the card. I never knowingly authorized XXXX to open this account or to charge {$4000.00} to it.

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 2025-08-27 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV Funding LLC is reporting a collection account for {$860.00} with an open date of XX/XX/year>. This is inaccurate because the original delinquency occurred in XXXX. By reporting the account as new, LVNV has re-aged the debt, which violates FCRA 623 ( a ) ( 5 ).

I requested validation of the account, including the accurate Date of First Delinquency, but LVNV has not provided this. Supporting evidence ( credit report screenshot, dispute letter, and timeline ) is attached.

Company response to consumer: Closed with explanation