vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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 ( 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 theXXXXre 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 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I cancelled our cable service with XXXX, at the time I was on an automatic payment plan. I did not receive mail about an amount owed and the account was sent for collection with Harris & Harris, they did not send me a letter either. I found out when I saw it listed on my credit report and my XXXX score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am submitting this complaint as a consumer who is actively reviewing my credit reports for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). After carefully examining my credit files, I identified several items that are inaccurate, incomplete, unverifiable, or improperly reported. Despite prior disputes, these issues remain unresolved. I am requesting the CFPBs assistance to ensure that my credit reports reflect only fair, accurate, and fully verifiable information. 

Charged-Off / Collection Accounts in Dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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: AZ

Complaint narrative:
I disputed the accuracy and validity of a charged-off XXXX tradeline reported by Experian showing a charge-off and past-due balance of approximately {$2000.00}. I specifically challenged the legitimacy of the derogatory reporting and requested correction or deletion through Experians dispute process. 

Experian completed a reinvestigation and closed the dispute as Updated, yet no substantive changes were made. The charge-off status, past-due balance, and negative reporting remained exactly the same before and after the investigation. The only change was a superficial update label, not a correction of the disputed information. 

Experian failed to explain how the disputed information was verified. No description was provided of what records were reviewed, what information was transmitted to the furnisher, whether any supporting documentation was considered, or what response data was received. The results did not address the basis of my dispute and did not resolve the reported inaccuracies. 

In a separate CFPB complaint, the furnisher admitted receiving credit reporting disputes from Experian in XX/XX/2025 and claimed the account was verified. Despite this, Experian continued publishing the same derogatory information without independent analysis or documented verification, indicating a rubber-stamp reinvestigation rather than a reasonable one. 

Experians investigation failed to correct inaccurate or unverified information and failed to comply with its obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation and to delete or correct information that can not be verified. I am requesting deletion or correction of the XXXX tradeline and a full written explanation of the reinvestigation process, including what was reviewed, how verification was determined, and why the disputed derogatory information remains unchanged.

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 2025-12-15 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NJ

Complaint narrative:
I refinanced my student loans with AES in 2023. They said payment was sent to sallie maie but my Federal Stutdent aid is still showing i owe the money that I refianced is owed to them. I have spoke to all companies about this and each one is putting the work on me to figure out why my refiance loans are still showing up on my Federal Student aid site. All companies have been charning me monthly payments on the same loans that i refienaced for the past two years. I just need the refianced loans applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
What happened? 
I reviewed my credit report and found inaccurate and inconsistent reporting by multiple furnishers that I believe violates the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX is reporting what appears to be the same credit card account with materially inconsistent information, including different dates opened ( XXXX and XXXX ), different credit limits ( {$300.00} and {$700.00} ), different balances ( {$460.00} and {$960.00} ), different status update dates ( XXXX and XXXX ), and different counts of potentially negative months. This inconsistent reporting makes it impossible to determine which information, if any, is accurate. Reporting the same account with conflicting terms is misleading and not the maximum possible accuracy required by law. 
XXXX XXXX XXXX is reporting a collection account allegedly associated with an installment loan originally issued by XXXX. The collection shows a balance of {$500.00}, a date opened of XX/XX/XXXX, and a balance updated in XX/XX/XXXX. I dispute the accuracy and completeness of this reporting, including the balance, the dates being reported, and whether the collector has proper authority and documentation to report this debt. There is no evidence shown on the credit report that validates the debt or supports the reported balance and timelines. 
I did not receive documentation through the credit report demonstrating that these accounts were verified with complete and accurate records before being reported or updated. As a consumer, I expect credit reporting agencies and furnishers to investigate disputed information and correct or delete information that can not be verified. 
I am requesting that the companies involved properly investigate, verify with competent evidence, and delete or correct any information that can not be confirmed as accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: OH

Complaint narrative:
Experian is reporting inaccurate information on my credit report regarding my XXXXXXXX XXXX account. Experian is reporting the account as {$1700.00} past due as of XX/XX/year>, which is incorrect. 

When I attempted to dispute this error through Experians online system, the dispute was rejected with a message stating that the balance history was soft deleted and the dispute could not be processed. Despite this, Experian continues to report a specific delinquent balance.

Experian is blocking my ability to dispute inaccurate data while continuing to publish negative information, preventing a reasonable reinvestigation and violating its obligation to ensure maximum possible accuracy under the Fair Credit Reporting Act.

I am requesting that the inaccurate past-due amount be corrected or removed and that Experian conduct a proper reinvestigation.

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 2025-12-15 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-15 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 filing a complaint regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. I followed the proper dispute process and submitted a formal written request to the credit bureau asking for the removal of incorrect personal information, outdated or inaccurate accounts, and unauthorized hard inquiries. The bureau has not provided verification or proper documentation to validate these items. Some of the information being reported does not belong to me, and no signed authorization has been provided for the hard inquiries. These errors have negatively affected my credit score and overall creditworthiness.

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 2025-12-15 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 filing a complaint regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. I followed the proper dispute process and submitted a formal written request to the credit bureau asking for the removal of incorrect personal information, outdated or inaccurate accounts, and unauthorized hard inquiries. The bureau has not provided verification or proper documentation to validate these items. Some of the information being reported does not belong to me, and no signed authorization has been provided for the hard inquiries. These errors have negatively affected my credit score and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off / Public Record Accounts in Dispute Bankruptcy Case XX/XX/XXXXXX/XX/XXXX Balance {$0.00} These items are being reported inconsistently when compared to other bureaus and must be verified or deleted. 

Inquiries in Dispute Advantage Credit XX/XX/XXXX Late Payments inXX/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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-12-15 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:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2025-12-15 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: SC

Complaint narrative:
I have discovered several accounts on my credit report that are not mine and should be promptly removed. Unfortunately, I have fallen victim to identity theft as a result of a data breach at my workplace, where my personal information, including my Social Security number and banking details, was exposed to unauthorized individuals. This breach has led to fraudulent activity in my name, and I am taking immediate steps to rectify these inaccuracies and protect my financial 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 non-monetary relief
Consumer complaint received 2025-12-15 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information appearing on my Experian credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), this information continues to be reported without proper verification and is negatively impacting my credit profile. 

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

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 2025-12-15 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: IL

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 2025-12-15 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:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-12-15 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 recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief