vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Please see supporting Docmentation pertaining to EQUIFAX DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: WA

Complaint narrative:
I am filing this complaint against Experian regarding an inaccurate and legally impermissible charge-off still being reported on my credit report. The account in question is a XXXX XXXX credit account ending in XXXXXXXX XXXX XXXX XXXX XXXX, with a reported charge-off date of XXXX and a balance of {$6000.00}. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), negative information such as charge-offs may not be reported by a consumer reporting agency beyond seven years from the date of the first delinquency that led to the charge-off. This XXXX XXXX account clearly exceeds that limit. As of today, this information is over eleven years old, and its continued presence on my credit file is a blatant violation of federal law.

Despite the clear expiration of the reporting period under Section 605 ( a ) of the FCRA, Experian continues to include this account on my file. This is not only legally unacceptable, but it is also deeply harmful to my ability to secure fair and reasonable financial opportunities. Because of this outdated entry, Ive been denied credit, faced elevated interest rates, and struggled with rental applications and employment screenings. This has had significant emotional and financial consequences. I have spent time, energy, and resources trying to dispute this information through various channels with no resolution. The resulting stress, XXXX and reputational damage are compounded by the fact that I am being penalized for a financial matter that the law says should no longer be affecting me.

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 2025-07-19 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: WA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-19 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: WA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: DE

Complaint narrative:
I initiated a chargeback ( Claim # : XXXX ) against XXXX with my bank, Wisely, on XXXX XXXX XXXX My dispute was resolved in my favor and the disputed amount ( {$48.00} ) was supposedly issued on XXXX XXXX XXXX But, it shows that the disputed amount was issued to the last 4 digits for an old card that I had with them during the investigation. I had ordered a new card during that time also so the last four digits are obviously different with the card I have now. Earlier today ( XXXX XXXX XXXX at XXXX ), I called the dispute team about the funds not being dispersed to my account and told them that it was not reflected in my XXXX statement whatsoever. They insisted that they could see it reflected on their end ( and that it doesn't matter if it was dispersed to an old card or not, the funds should have reached my account regardless ) even when I repeated that the money was not given to me during XXXX whatsoever, as reflected in my XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX {$2000.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries 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 2025-07-18 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX {$2000.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I am filing this complaint against Experian and XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, in relation to a disputed account and inaccurate late payment reporting.I have previously submitted two formal written disputes to both Experian and XXXX, requesting the removal of : An account that does not belong to me and a late payment erroneously listed on a valid account.

Despite providing clear documentation and explanation, both credit reporting agencies have failed to properly investigate or correct the disputed information. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed item within 30 days of receipt of a dispute. However, the responses I received appear to be automated and dismissive, with no evidence of a thorough or reasonable investigation.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates that inaccurate, incomplete, or unverifiable information must be deleted from the file after reinvestigation. This has not occurred, despite my submission of sufficient documentation.

The continued reporting of inaccurate information is causing me harm, including damage to my credit score, denial of credit opportunities, and unnecessary emotional and financial stress.

I am requesting that the CFPB : Investigate this matter and require Experian and XXXX  to provide evidence of a proper reinvestigation, Direct them to delete or correct the disputed items in accordance with the FCRA, Impose any necessary penalties for failure to comply with federal credit reporting laws.

Attached are copies of my previous dispute letters, proof of delivery, and supporting documentation sent to Experian and XXXX.

Thank you for your time and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Equifax Information Services LLC for repeatedly failing to correct or remove inaccurate account information and unauthorized inquiries from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Equifaxs negligence continues to severely impact my creditworthiness, causing substantial financial and emotional distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Credit : $ XXXX : Incorrectly reported late payments.Law : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Story : Equifax is incorrectly reporting late payments on this account, which are inaccurate and unjustified. Despite multiple disputes, Equifax continues to violate the FCRA by failing to properly investigate and correct this false reporting, significantly harming my credit profile. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX : $ XXXX : Unauthorized charge-off account reporting.Law : FCRA, 15 U.S.C. 1681s-2 ( b ) Story : Equifax continues to report this unvalidated and unauthorized charge-off account, severely damaging my creditworthiness. This reporting is inaccurate, lacks proper validation, and violates federal law. Immediate removal is required. 

XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XXXX : $ XXXX : Unauthorized collection account.Law : FCRA, 15 U.S.C. 1681s-2 ( b ) Story : This collection account is being reported without my authorization or acknowledgment of debt. Equifax has failed to investigate adequately or verify the legitimacy of this account, which constitutes a violation of my rights under the FCRA. 

Unauthorized Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unauthorized credit inquiries.Law : FCRA, 15 U.S.C. 1681b ( c ) Story : Equifax continues to report these inquiries despite being unauthorized and lacking permissible purpose. This ongoing misreporting breaches FCRA guidelines and severely impacts my credit score and financial stability. Immediate removal of these inquiries is necessary. 

I request the CFPBs prompt intervention to compel Equifax to immediately remove all disputed inaccurate and unauthorized information, adhering strictly to the provisions of the FCRA. Your swift assistance in resolving this urgent matter is greatly appreciated. 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-19 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:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX. Reason for Dispute : This account shows a repossession with heavy derogatory reporting. I dispute the accuracy and legality of the repossession under UCC Article 9. Please provide all documentation of notice of sale, lawful repossession, and fair market value accounting.

FCRA Basis : 611 ( a ), 609 ( a ) ( 1 ) ; UCC Article 9 Failure to provide notice or conduct commercially reasonable sale renders the debt uncollectible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/2025 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : XXXX Account Ending in XXXX - FCRA Violation Notice To Whom It May Concern : I am writing in regard to the above-referenced account which you claim to have purchased from XXXX XXXXXXXX. I previously disputed this debt and requested validation through the Consumer Financial Protection Bureau ( CFPB ). Your response stated that you would cease communication and investigate, yet you continue to report this debt inaccurately to the credit reporting agencies specifically XXXX 
As of XX/XX/2025, you have reported this account as " 120 days past due, '' which is misleading. 
This account is not an active credit tradeline ; if it is a collection, it should be reported as such and not as if it is currently delinquent like a revolving credit card. Reporting it this way falsely implies that I am continuing to miss payments, which I am not. 
If you can not validate this debt with a signed contract and a full itemized breakdown from XXXX XXXX XXXXhen under the Fair Credit Reporting Act ( FCRA ) you are required to correct or remove the information from all consumer reporting agencies. Failure to do so may result in legal action or additional complaints filed with the CFPB and the FTC. 
I demand that you immediately : 1. Cease all inaccurate reporting on this account ; 2. Delete the tradeline from all credit bureaus ( XXXX XXXX XXXX  ) ; or 3. Provide proper validation of the debt, including a copy of the original signed agreement and a detailed account history. 
Please respond in writing within 15 days. A copy of this letter has also been sent to the CFPB as an additional complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation