vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-26 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MS

Complaint narrative:
b'I am a victim of the Equifax data breach which made my personal information available online. As a result, fraudulent accounts were opened in my name without my knowledge. I had no knowledge of this account and have never had access to it. I have never had an account with XXXX XXXX XXXX XXXX XXXX XXXX A identity theft report has been filed with the Federal Trade Commission and local law enforcement\n\nFraudulent Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nOther information that is wrong on my credit report at Experian, Equifax and Transunion:\nAddresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Beginning on XXXX XXXX of this year, I submitted a notarized affidavit via certified mail to XXXX XXXX, CFO of Synchrony/PayPal Credit XXXX I requested that they provide a validation- as opposed to a mere verification- for an account they allege I have an outstanding balance on. More specifically, I was formally requesting a full accounting disclosure under applicable consumer protection laws and banking regulations, including, but not limited to : Regulation Z ( TILA ) ; XXXX ; XXXX ; etc. When they failed to respond, I then submitted another certified letter on XX/XX/year> to their legal department, and still received no appropriate response to my query. Then, on XX/XX/year>, I sent XXXX notarized, certified letters in which I made a FOIA request. XXXX copy was sent to Synchrony XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX, while the other was sent to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. However, to date, SynchronyXXXX XXXX has refused to provide me with the requested documentation.

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 2025-05-26 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:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative accounts from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent accounts according to the law, as you are required to do. Please see the listed accounts below that need to be removed. 
XXXX SERENE HILLS XXXX, TX XXXX XXXX XXXX XXXX * Balance Owed : {$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 2025-05-26 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: TX

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative accounts from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent accounts according to the law, as you are required to do. Please see the listed accounts below that need to be removed. 
XXXX SERENE HILLS XXXX, TX XXXX XXXX XXXX XXXX * Balance Owed : {$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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-05-26 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: NY

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 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 2025-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and unlawful reporting of late payment information by Capital One on my consumer credit report.

Upon careful review of my credit report, I discovered that Capital One is reporting late payments that, under the Fair Credit Reporting Act ( FCRA ), should no longer be included in my file. These entries appear to be in violation of 15 U.S.C. 1681a ( 2 ) ( A ), which defines and limits the type of information that may lawfully be included in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
This complaint is submitted under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that Equifax immediately block and remove the following fraudulent and unauthorized collection account from my credit report. This item was reported after my bankruptcy discharge and is both inaccurate and legally unenforceable. 

The fraudulent account is : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$220.00} This account is being reported despite my Chapter XXXX bankruptcy discharge, filed on XX/XX/XXXX, in the XXXX Bankruptcy XXXX, California, under Reference Number : XXXX. Reporting of any debt that should have been included in or XXXX by this bankruptcy constitutes a direct violation of my federally protected rights under the Bankruptcy XXXX. 

Furthermore, XXXX, which often acts as a third-party source of public record data for bankruptcy notations, has failed to independently verify or validate this bankruptcy record through primary source documentation. It is well established that third-party data vendors such as XXXX are not original furnishers of information and do not have legal standing to verify or continue reporting bankruptcy records under the Fair Credit Reporting Act. Equifax must not rely on unverifiable third-party data in continuing to report this or any related entries. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I demand that Equifax disclose the method of verification used, along with any original court records or source documentation relied upon to report this item. Failure to produce such evidence is prima facie proof of unlawful reporting and warrants immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
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 2025-05-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXXXXXX BALANCED {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1800.00} XXXX XXXXXXXX BALANCED {$0.00} '' These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXXXXXX BALANCED {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1800.00} XXXX XXXXXXXX BALANCED {$0.00} '' These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
My vehicle was repossessed by Bridgecrest/XX/XX/XXXX but I was never notified of the sale or given a breakdown of the balance. The vehicle was sold, but the charge-off balance remains over {$15000.00}. I did not receive a Notice of Sale or Deficiency Notice at my current address, and I never got an itemized statement of how the balance was calculated. I only found out about this account when reviewing my credit. This is a violation of the Uniform Commercial Code and Fair Credit Reporting Act. Im requesting removal of this entry or full validation of all amounts and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
This complaint is submitted under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that Experian immediately block and remove the following fraudulent and unauthorized collection account from my credit report. This item was reported after my bankruptcy discharge and is both inaccurate and legally unenforceable. 

The fraudulent account is : This account is being reported despite myXX/XX/XXXX bankruptcy discharge, filed on XX/XX/year>2019, in the XXXX Bankruptcy XXXX, California, under Reference Number : XXXX. Reporting of any debt that should have been included in or discharged by this bankruptcy constitutes a direct violation of my federally protected rights under the Bankruptcy Code. 

Furthermore, XXXX, which often acts as a third-party source of public record data for bankruptcy notations, has failed to independently verify or validate this bankruptcy record through primary source documentation. It is well established that third-party data vendors such as XXXX are not original furnishers of information and do not have legal standing to verify or continue reporting bankruptcy records under the Fair Credit Reporting Act. Experian must not rely on unverifiable third-party data in continuing to report this or any related entries. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), I demand that Experian disclose the method of verification used, along with any original court records or source documentation relied upon to report this item. Failure to produce such evidence is prima facie proof of unlawful reporting and warrants immediate deletion.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX has a complaint on XXXX  about me. I challenged it about the original address on the complaint was not mine due to fact that I never lived there. 
XXXX did the challenge, but didnot challenge the address not being mine as well as the account. 
Chase credit card, XXXXXXXX XXXX, and two others are the same way with the addess not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX has a complaint on XXXX about me. I challenged it about the original address on the complaint was not mine due to fact that I never lived there. 
XXXX  did the challenge, but didnot challenge the address not being mine as well as the account. 
XXXXXXXX XXXX XXXX, Discover card, and two others are the same way with the addess not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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 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 2025-05-26 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: OH

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 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 2025-05-26 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:
XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX  XXXX account number XXXX have wrong informations ; i have requested informations to be investigated several times and was never corrected violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>2025, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief