vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX is reporting conflicting and unverifiable information regarding the account ending in XXXX across the credit bureaus. The payment history and account status details do not match between reports from Experian, XXXX, and XXXX. Additionally, I have previously requested verification of this information, but the furnisher has failed to provide any documentation or evidence to substantiate the accuracy of the reported data. 
Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, furnishers are required to report information that is complete and accurate and to verify disputed items when requested. Since the company has not provided verifiable proof and continues to report inconsistent information, I am requesting that this unverifiable account information be deleted from 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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I saw a collection posted on my credit report that I have not received any information about. It appears to be from Summit for XXXX car rental, which my insurance paid last year. I don't know what the requested amount being charged is related too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Review this entry, please ; it seems late and potentially 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 2025-11-07 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my XXXX XXXX and financial opportunities.

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 2025-11-07 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: NJ

Complaint narrative:
I am formally disputing the XXXX account currently listed on my credit report as potentially negative. The account is closed and allegedly sent to collections, yet I have not received any verifiable documentation from XXXX substantiating this claim. 
U

nder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I request a reinvestigation of this account. You are required to verify the accuracy of the information with original documentation from the furnisher. Please provide : 1. The method of verification used to confirm the accuracy of this account. 2. The name and contact information of the furnisher who verified the account. 3. A copy of any documentation used to substantiate the debt and my legal obligation. If you can not verify the account with original documentation, you are required under FCRA 1681i ( a ) ( 5 ) ( A ) to delete the item from my credit report. Additionally, under FCRA 1681e ( b ), Experian is obligated to ensure maximum possible accuracy. Reporting unverifiable or outdated information violates this provision. Please consider this a formal dispute and request for deletion. I expect written confirmation of the results and a revised copy 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the XXXX account currently listed on my credit report as potentially negative. The account is closed and allegedly sent to collections, yet I have not received any verifiable documentation from XXXX substantiating this claim. 
U

nder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I request a reinvestigation of this account. You are required to verify the accuracy of the information with original documentation from the furnisher. Please provide : 1. The method of verification used to confirm the accuracy of this account. 2. The name and contact information of the furnisher who verified the account. 3. A copy of any documentation used to substantiate the debt and my legal obligation. If you can not verify the account with original documentation, you are required under FCRA 1681i ( a ) ( 5 ) ( A ) to delete the item from my credit report. Additionally, under FCRA 1681e ( b ), Experian is obligated to ensure maximum possible accuracy. Reporting unverifiable or outdated information violates this provision. Please consider this a formal dispute and request for deletion. I expect written confirmation of the results and a revised copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and my personal information has been used without my authorization. As a result, there are fraudulent accounts, charge-offs, and numerous unauthorized hard inquiries appearing on my credit reports with Equifax, Experian, and TransUnion. 
I did not open or authorize these accounts or credit applications. The unauthorized hard inquiries were not made or used by me and are now attached to my credit reports, severely lowering my credit scores and harming my ability to obtain credit, housing, and other financial services. 
Despite notifying all three credit bureaus and providing documentation including my FTC Identity Theft Report, proof of identity, and proof of address these items have not been properly blocked or removed as required under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

Under FCRA 605B, once a consumer provides appropriate proof of identity theft, the credit reporting agencies are required to : Block the reporting of any information resulting from identity theft within XXXX business days, and Notify the furnisher of the information that the data resulted from identity theft. 
The continued reporting of these fraudulent accounts and unauthorized hard inquiries is a violation of FCRA 605B and demonstrates noncompliance by the credit bureaus with federal law. 
I have made multiple attempts to dispute these items directly with Equifax, Experian, and TransUnion, but the information remains. I am attaching copies of my supporting documents, including : FTC Identity Theft Report Government-issued ID Proof of current address Highlighted credit report pages showing the fraudulent accounts and inquiries I am requesting that the CFPB take action to ensure that Equifax, Experian, and TransUnion, along with any creditors who furnished this false information, do the following : Fully investigate all fraudulent and unauthorized accounts and inquiries associated with my identity theft. 
Block and permanently remove the disputed information under FCRA 605B. 
Correct my credit files so that they accurately reflect only legitimate accounts I opened. 
Provide written confirmation and updated copies of my credit reports once the fraudulent data is removed. 
Investigate and enforce compliance for the failure to follow the blocking procedures required by law. 
This identity theft has caused serious financial harm and emotional distress, and the continued reporting of false information is in direct violation of my consumer rights under federal law. 
Thank you for your assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act and restore the accuracy of my credit files.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I had a debt settlement with XXXX XXXX  in XXXX of XXXX. I paid the settlement but they sold the remaining balance to CAVALRY PORTFOLIO SERV. I have been to court XXXX  times over this account. The court has dismissed with prejudice on XXXX XXXX. I have disputed the account on my credit report to have this completely removed and they refuse to remove it. They have put it under as a paid collection this is incorrect because I never owed the account. They have ruined my credit for XXXX years on something I dont own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

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 2025-11-07 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:
Guarantee full legal compliance for disputed account removal deadlines.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My father and I had a joint account with Chase Bank in XXXX, XXXX. I was added to the account to help manage his finances due to his age of XXXX. My father passed away over XXXX XXXX weekend on XXXX, XX/XX/year>. On XXXX  XX/XX/XXXX I noticed XXXX bank transfers with Chase Bank to another new Chase Bank account in my fathers name. The first on XXXX XXXX for {$10000.00}, and the next for {$20000.00} on XX/XX/XXXX. I called Chase Bank to inquire about the account transfrers and the bank representitive indicated it was performed by my father XXXX XXXX XXXX. I informed the Chase Bank representitive that may father passed away over the weekend and could not have opened the new account or transferred the funds. The Chase Bank representitive told me it was authorized and she was unable to help. I went to the local XXXX XXXX we have the account at and the representitive who helped and knows my father personally was able to confirm the new account and that transfers were fraudulant. The bank representitive blocked our compramised account and opened a new account to transfer the remaining funds. The representitive informed me the new account was opened at a Chase Bank in XXXX, XXXX. My father has no business or affiliation in Texas and has not been to Texas. A fraudulant report was filed with Chase bank which was declined as fraudulant and neglegent by the bank. A police report was filed and is on going. The question that Chase Bank wouldnt answer was what identification or credentials were used to open the new account and transfer the funds? My fathers Drivers License had been experid for over 8 months and I was in possession of his passport, which was his only valid photo identification he possessed at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and 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 2025-11-07 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-07 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-07 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under XXXX  law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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