vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CO

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries strongly indicates possible identity theft and is causing severe emotional and financial harm.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following charged-off accounts and inquiries appearing on my Equifax credit report. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am submitting this dispute regarding inaccurate and incomplete reporting on my credit report by the following credit bureaus. These accounts listed below are in dispute, as I believe there are errors and/or omissions based on the Fair Credit Reporting Act ( FCRA ) guidelines. 

CHARGED OFF Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Disputed Information : Please verify the accuracy of the charge-off date and balance as no prior payment history is reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Disputed Information : Please verify the charge-off status and ensure all payments are correctly reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Disputed Information : Please ensure accurate reporting of this charge-off. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Disputed Information : Verify the reporting of this account as a charge-off. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Disputed Information : Confirm the accuracy of the charge-off date and balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-11 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: OK

Complaint narrative:
This account shows a pattern of late payments over the past XXXX  months. I dispute the accuracy of these entries XX/XX/year>. I have not received proper documentation from the creditor to validate these late payments. Under FCRA 611, I request that these entries be changed to paid on time or paid as agreed.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute and Verification Request XXXX XXXX  Account # XXXX I recently became aware of an account allegedly associated with XXXX XXXXXXXX, listed under Account # XXXX, that your company has reported. I have no knowledge or recollection of this debt and was never provided the opportunity to dispute or validate it prior to its appearance on my credit report. If you believe that proper notification was sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), please provide certified mail documentation, including signed delivery receipts clearly displaying my signature, as proof that I was notified. If you can not provide such evidence, I demand that you immediately delete Account # XXXX from all consumer reporting agencies and cease any further collection or reporting activity related to this account. Failure to comply will leave me no choice but to pursue all available legal remedies under the FDCPA and FCRA, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing to formally dispute the following accounts on my credit report. These accounts are inaccurately reported, and I request that you investigate and correct the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Disputed Inquiry I am also disputing the following inquiry that appears on my credit report : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

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 2025-11-11 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Subject : Dispute of Inaccurate Information on My Experian Credit Report To Whom It May Concern : I am disputing the following items that appear inaccurate, incomplete, or unverifiable : 1. Charged Off Account XXXX XXXX XXXX, Account No. XXXX, Date : XX/XX/year>, Balance : {$280.00} I do not recognize this debt with XXXX XXXX XXXX. Please verify the original creditor, full account history, and proof that this debt is valid and collectible. If Experian can not verify with original documentation, this account should be deleted immediately. 

XXXX. Inquiries XXXX XXXX Dated XX/XX/year> XXXX XXXX Dated XX/XX/scrub>XXXX XXXX XXXX Dated XX/XX/year> I am disputing these inquiries as I did not authorize them directly. Please provide proof of permissible purpose under FCRA 604 ( a ). If such proof can not be provided, remove these inquiries.

3. Late Payments Please verify all reported late payments. Any unverifiable or inaccurately reported late marks must be removed.

I request a full reinvestigation of these items and written results within 30 days.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is marking my account as delinquent and this account was paid in full and then in 2024 they marked it as a late payment. That is incorrect.

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 2025-11-11 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: MT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) filed a debt collection lawsuit against me in XXXX XXXX, Texas ( Case No. XXXX ) in XX/XX/XXXX. The alleged debt is connected to a XXXX XXXX account that PRA claims to have purchased. However, between XX/XX/XXXX and XX/XX/XXXX, my credit repair agency sent six formal debt validation requests to PRA on my behalf. 

The original petition to the court filed by Portfolio Recovery Associates in the lawsuit included an attached Bill of Sale originally dated XX/XX/XXXX with an Addendum added on XX/XX/XXXX. The Bill of sale had a Sale File Cutoff Date of XX/XX/XXXX and a Closing Date of XX/XX/XXXX. According to Portfolio Recovery Associates own admission within the lawsuit, they were " assigned '' my account on XX/XX/XXXX, which is the same date that they Closed the Sale according to their included Bill of Sale. 

I will also make note, that the Bill of Sale they included did not contain information relating to my personally, my alleged account with XXXX XXXX, or any Direct Ownership that they have my alleged account. The Bill of sale contained the purchase of three Master Accounts of Customer Data dated XX/XX/XXXX. 

PRA never provided any of the required verification or documentation in response to those requests before initiating the lawsuit. This appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Texas Finance Code 392.202, which require collectors to cease collection until a debt has been properly validated. 

Furthermore, the account statements PRA submitted in the lawsuit show discrepancies and missing billing cycles between XXXX and XX/XX/XXXX, raising additional concerns about accuracy and proper documentation, along with showing proper chain of custody. 

I am requesting CFPB investigation because PRAs conduct appears consistent with the same unlawful collection and reporting practices cited in the CFPBs XX/XX/XXXX enforcement action against Portfolio Recovery Associates for violating debt collection laws. 

My contact information : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I opened a checking account online with SoFi. I deposited a total of {$1700.00}. On XX/XX/XXXX, I tried to make an additional deposit and found my account was frozen. Said to call customer service. I did, and talked to a rep from XXXX XXXX, who said I violated terms of service. What terms, I asked. It doesn't say. Can you find out, I want to clear this up? Sorry, but it doesn't say. Can I speak to an XXXX? None available, but will have 1 call back. Had a call back from a manager and had to take a Pic of myself. This over the course of over a month. Still no reasoning. I finally went off on them cussing on phone and emails. They then replied that my account would be closed. GREAT, I'll get my . That was XX/XX/XXXX. I then received an email that the remaining funds will be sent to the originator, as they have determined that I am not the rightful owner. OK, so mail a checklist to me, or the issuer of the check, my nephew. Good either way. Finally on XX/XX/XXXX, account officially closed. No explanation and no XXXX to me or nephew. Last statement i could access had balance at {$1700.00}, on XX/XX/XXXX. I kept getting emails that a new statement was available thru XX/XX/XXXX, though I couldn't access. Not sure if they kept compounding interest or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: ND

Complaint narrative:
I am disputing the following charged-off accounts that are reported inaccurately or incompletely : CHARGED OFF XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-11 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: VA

Complaint narrative:
Dispute Summary : I am writing to dispute the following charged-off account as it has been inaccurately reported on my Equifax credit report. I request an investigation into the account to verify its accuracy. 

Charged-Off Account ( s ) : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MD

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 2025-11-11 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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