vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint following the identity theft report I filed with the FTC on XX/XX/XXXX. My personal information was compromised during major data breaches involving Equifax ( XXXX ), Experian ( XXXX and XXXX ), and TransUnion ( XXXX ). As a result, fraudulent accounts and incorrect personal information appeared on my credit reports. 

In addition to fraudulent accounts, my reports show incorrect and outdated personal data, including over a dozen former and incorrect addresses, incorrect name variations, and unknown or expired phone numbers. 

I mailed certified dispute packages with return receipt to each bureau. These included : - A signed formal letter - My FTC Identity Theft Report - Copies of ID and address verification documents In my letters, I cited my rights under FCRA 605B ( 15 U.S.C. 1681c2 ) for identity theft-related data to be blocked and permanently removed within 4 business days, and under FCRA 605 ( 15 U.S.C. 1681c ) for the removal of obsolete or incorrect personal information.

I have not yet received written confirmation that the bureaus have taken action. I am asking the CFPB to ensure full FCRA compliance and that all disputed data be deleted immediately.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I pulled my credit report and saw fraudulent hard inquiries on it that I need removed immediately.

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 2025-06-24 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: RI

Complaint narrative:
CFPB Complaint Equifax Reporting Violations Filed by : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  RI XXXX Filed Against : Equifax Information Services LLC Reason : Violation of FCRA 1681e ( b ), 1681s-2 ( b ), 1681i Inaccurate and Misleading Reporting of Closed Charge-Off Accounts Complaint Summary : I am filing a complaint against Equifax Information Services LLC for its continued and willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and misleading reporting of three XXXX XXXX XXXXXXXX accounts on my Equifax credit file. These accounts are : - Account # * XXXX - Account # * XXXX - Account # * XXXX Violation Details : 1. Repeated Charge-Off Notations After Account Closure Each of the three accounts was charged off and closed in XX/XX/XXXX. However, Equifax is still reporting CO ( charge-off ) notations every month through XXXX and into XXXX. This violates : - FCRA 1681e ( b ) Furnishing of inaccurate and misleading information - Metro 2 Standards Prohibit multiple CO codes post-charge-off 2. Failure to Reflect Post-Charge-Off Payment Activity Each account reflects at least one payment made in early XXXX the charge-off occurred. Yet, balances and delinquency statuses remain unchanged, which violates : - FCRA 1681s-2 ( b ) Furnishers must report accurate information upon notice of dispute or account changes 3. Inconsistent Delinquency Reporting Equifaxs report shows 120- and 150-day delinquencies after charge-off, which is inaccurate and misleading. These accounts were already closed and written off. 
- FCRA 1681e ( b ) This distorts my credit history and is materially inaccurate - FCRA 1681i Equifax has failed to reinvestigate and correct these errors upon notice Requested Resolution : I demand that Equifax take the following immediate actions : - Conduct a full reinvestigation under 15 U.S.C. 1681i - Permanently delete or correct the reporting on the three XXXX XXXX XXXXXXXX accounts - Cease the illegal re-aging and redundant CO reporting practices- Update the status and balance on all accounts to reflect actual payment history and closure If Equifax fails to comply within a timely manner, I will file a civil lawsuit in XXXX XXXX  Court under 15 U.S.C. 1681n and 1681o, and seek actual, statutory, and punitive damages for ongoing harm to my credit and finances.

Certification : I certify under penalty of perjury that the above information is true and accurate to the best of my knowledge. 

Filed by : XXXX XXXX XXXX XXXX Date : XX/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 2025-06-24 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: RI

Complaint narrative:
CFPB Complaint Equifax Reporting Violations Filed by : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  RI XXXX Filed Against : Equifax Information Services LLC Reason : Violation of FCRA 1681e ( b ), 1681s-2 ( b ), 1681i Inaccurate and Misleading Reporting of Closed Charge-Off Accounts Complaint Summary : I am filing a complaint against Equifax Information Services LLC for its continued and willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and misleading reporting of three XXXX XXXX XXXXXXXX accounts on my Equifax credit file. These accounts are : - Account # * XXXX - Account # * XXXX - Account # * XXXX Violation Details : 1. Repeated Charge-Off Notations After Account Closure Each of the three accounts was charged off and closed in XX/XX/XXXX. However, Equifax is still reporting CO ( charge-off ) notations every month through XXXX and into XXXX. This violates : - FCRA 1681e ( b ) Furnishing of inaccurate and misleading information - Metro 2 Standards Prohibit multiple CO codes post-charge-off 2. Failure to Reflect Post-Charge-Off Payment Activity Each account reflects at least one payment made in early XXXX the charge-off occurred. Yet, balances and delinquency statuses remain unchanged, which violates : - FCRA 1681s-2 ( b ) Furnishers must report accurate information upon notice of dispute or account changes 3. Inconsistent Delinquency Reporting Equifaxs report shows 120- and 150-day delinquencies after charge-off, which is inaccurate and misleading. These accounts were already closed and written off. 
- FCRA 1681e ( b ) This distorts my credit history and is materially inaccurate - FCRA 1681i Equifax has failed to reinvestigate and correct these errors upon notice Requested Resolution : I demand that Equifax take the following immediate actions : - Conduct a full reinvestigation under 15 U.S.C. 1681i - Permanently delete or correct the reporting on the three XXXX XXXX XXXXXXXX accounts - Cease the illegal re-aging and redundant CO reporting practices- Update the status and balance on all accounts to reflect actual payment history and closure If Equifax fails to comply within a timely manner, I will file a civil lawsuit in XXXX XXXX  Court under 15 U.S.C. 1681n and 1681o, and seek actual, statutory, and punitive damages for ongoing harm to my credit and finances.

Certification : I certify under penalty of perjury that the above information is true and accurate to the best of my knowledge. 

Filed by : XXXX XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
Date : XX/XX/year> Upon applying for auto insurance quotes, I noticed that all insurance companies were falsely attributing a moving violation that my father committed on XX/XX/year> to me. I learned that this information was coming from a LexisNexis XXXX  report. I have reason to believe that LexisNexis has merged my father and my driving histories together, as we have the same first and last names. I attempted to contact LexisNexis, but could not get through to an agent within a reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX and identity theft. It's been very hard trying to to sort through everything and fix everything in my life. I seen forgien assets on my TransUnion credit report ( I believe ) it was banks and more. It has been many breachs with different credit bureaus but I can not get any information. I have been giving false cooy writing credit reports that I have submitted but I have not heard anything back. I can not get any credit even tho I put in this work and gotten no results back. Please I need help with these things they are ruin my life. I have a group people who are doing whatever at all cost to keep me down. I have submitted paperwork and things that could have cost me my life. I made little progress alone. My new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. Social security can verify it. It's my cousin address. I just asked that all mail is hand delivered

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 2025-06-24 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: SC

Complaint narrative:
Experian is reporting inaccurate and harmful information about my XXXX XXXX XXXX account. The account was closed and charged off on XX/XX/year>, and is the subject of legal proceedings, including a Quiet Title action and XXXX XXXX 
Experian is incorrectly reporting this account as open with a past-due balance of {$33000.00}, and with late payments ( 30/60/120 days late ). This reporting is inaccurate and does not reflect the current legal and financial status of the account.

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 2025-06-24 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: PA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$23000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$11.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$8100.00}

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 2025-06-24 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: PA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$23000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$11.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
told them not to call- and validate the debt since it was charged off by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
When I bought this car, they forced me to buy an additional add-on product. The price was {$2900.00}. I tried to get them to refund me the money, but they shirked their responsibility and refused to return it to me. Here is the email they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is being submitted to request that Equifax XXXX and remove fraudulent information from my consumer credit report in accordance with FCRA XXXX05B ( 15 U.S.C. 1681c-2 ). Under this provision, Equifax is required to block such information within XXXX ( XXXX ) business days of receiving this notice. 

The disputed information includes multiple unauthorized accounts and hard inquiries that were opened or made without my knowledge or consent. These items are the result of identity theft and fraud. The following accounts are fraudulent and must be permanently removed from my credit file : XXXX XXXX XXXX XXXX  OPEN XX/XX/XXXX WITH BALANCE OF {$0.00} XXXX XXXX - OPEN XXXX XXXX, XXXX WITH BALANCE OF {$0.00} XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX WITH BALANCE OF {$730.00} XXXX XXXX XXXX XXXX  OPEN XX/XX/XXXX WITH BALANCE OF {$2900.00} XXXX XXXX XXXXXXXX XXXX OPEN XX/XX/XXXX, XXXX BALANCE OF {$740.00} There are also fraudulent addresses which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX All of the listed accounts and inquiries are not mine. I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ), filed with the XXXX Federal Trade Commission, to verify that these items are fraudulent and associated with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Request for Debt Validation Dear, XXXXXXXX XXXX XXXX  This letter is in response to a collection notice I received regarding the account listed above. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the debt, including a breakdown of interest, fees, and other charges.

2. The name of the original creditor and the account number.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the original signed agreement ( or contract ) showing I am legally obligated to pay this debt.

5. A complete payment history, showing how the amount claimed was calculated.

Until you provide this information, I request that you : Cease all collection activity Do not report or continue to report this debt to any credit reporting agencies Not contact me except to provide the validation requested If this debt is not validated within 30 days, or if you continue collection efforts without providing validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general.

This is not a refusal to pay, but a request for proof of a valid debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief