vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-25 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: WA

Complaint narrative:
I found two fraudulent accounts on my credit report, XXXX XXXX opened on XXXX, XXXX XXXX XXXX  opened on XXXX, Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

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 2025-11-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute for Inaccurate and Incomplete Credit Reporting\nTo Whom It May Concern,\nThis letter serves as a formal complaint and dispute against Experian, Equifax, and TransUnion for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.\nI am disputing the erroneous item listed below that currently appears on my credit report. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify this account. If you are unable to verify its accuracy, it must be deleted immediately, as it is unlawfully damaging my credit and financial well-being.\nAdditionally, under the Gramm-Leach-Bliley Act (15 U.S.C. 6802), I have a fundamental right to financial privacy. Section 1681(4) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.\nYour agency is also in violation of 15 U.S.C. 1681b(2), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of this account represents a direct violation of my privacy rights.\nFurthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.\nLastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such information on my report is a direct violation of my rights as a consumer.\nDisputed Account\XXXX XXXX\nAccount Number: XXXX\nViolation: 15 U.S.C.  1681s-2\n\nTerms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.\nAction Requested: DELETE FROM CREDIT REPORT.\nFinal Demands\nProvide written verification procedures for the disputed account.\nDelete or block all inaccurate, unauthorized, or unverifiable information.\nSend me an updated corrected credit report.\nCease all further unauthorized reporting in violation of federal law.\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and potential legal action for damages under 15 U.S.C.  616 & 617.\nRespectfully,\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 2025-11-25 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: TX

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : FORMAL DISPUTE OF FALSE COLLECTION ACCOUNT, CEASE HARASSMENT, AND NOTICE OF CREDIT REPORTING VIOLATIONS OF THE ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am formally disputing the alleged debt your company is attempting to collect, which you claim is associated with XXXXXXXX. This alleged account does NOT belong to me. I have never had any delinquent account or outstanding balance with XXXX, and I have no contractual relationship with your company. 
Your repeated collection calls, letters, and the false reporting of this account to the credit bureaus constitute : - Harassment - Violation of my privacy rights- Violation of the Fair Debt Collection Practices Act ( FDCPA ) - Violation of the Fair Credit Reporting Act ( FCRA ) - Intentional damage to my creditworthiness Your company is knowingly reporting false and inaccurate information, which is hurting my credit score and directly affecting my ability to obtain credit, loans, and financial services. These actions are illegal and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
Subject : Equifax Failure to Properly Investigate and Comply With FCRA 605B and 611 This is a follow-up regarding my complaint against Equifax.

Equifaxs response stating that my bankruptcy public records were verified as reporting correctly does not address my actual dispute or my identity theft claim.

I submitted a valid Identity Theft Report, government ID, and supporting documents under FCRA 605B. Equifax was required to block the identity-theft-related items within 4 business days and conduct a reasonable reinvestigation under 611. Instead, Equifax sent a generic verified response that completely ignores my identity theft submission and does not explain how or from whom they allegedly verified anything.

Equifax did NOT : Apply my identity theft report to block the fraudulent and mixed-file information Conduct a reasonable reinvestigation Provide any specific verification source or documents Address the fraudulent accounts and identity-theft issues I raised This appears to be part of a broader pattern where Equifax ignores consumer documents and mishandles disputes. The CFPB itself recently fined Equifax for failing to properly investigate disputes and ignoring consumer-provided evidence.

I am requesting that CFPB require Equifax to : 1. Perform a true reinvestigation using my identity theft report and documents 2. Block all identity-theft-related items under 605B 3. Provide a detailed explanation of what they verified, how, and from which sources 4. Correct their failure to comply with the FCRA in my case Equifaxs current response is not compliant with FCRA and does not resolve my dispute. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and verifiability of the following items on my consumer credit file ( Report # XXXX ). I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically Section 611 ( Procedure in case of disputed accuracy ) and Section 623.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Barclays credit card Application : XXXX XXXX ) After the credit pull and discussion of my credit with underwriters ( clearly recorded ) they stated they recommend to approved my application. 
This is stated to avoid an easy answer from Barclays that I am not eligible for the card instead of solving the problem -, which would be plain false as I was recommended approved on recorded line. I also clearly stated I do not file taxes as my SS income does not require it. 
After that the " security department '' requested a tax return or a form XXXX which would require an existing tax return as well. 
I clearly stated I - absolutely legally! - not required to file taxes and offered an official l letter from the XXXX to prove my income. The latest conversation with a " XXXX '' XXXX stated it is not acceptable and Barclays officially discriminates against people on Social Security who are not required to file tx return. 
So I had a hard pull on my credit report and this discrimination. 
I request Barclays accept an official letter from Social Security as my proof of income - as it is required by the government agency to be accepted as such by any entity and are not allowed to retaliate after the complaint.

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 2025-11-25 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: GA

Complaint narrative:
On XX/XX/year> I contacted Experian due to them reporting inaccurate information on my credit report. I had informed Experian that the account listed under XXXX XXXX, with a balance of {$11000.00} was incorrect and should be removed from my credit report because as of XX/XX/year>, my student loans with XXXX  were consolidated into 1 loan with XXXX. The total amount of my student loans at the time totalled {$47000.00}. My payments would be made to XXXX  instead of XXXX. So my student loans would appear under one account. When I initially contacted XXXX to find out when the loans would show up as one loan on my credit they told me about 45 days.

When I reviewed my credit report from Experian in XXXX, Experian was still reporting a balance of {$11000.00} in student loans from XXXX. I called them to inform them that this information was incorrect. On XXXX XXXX and XXXX XXXX XXXX  Experian was still reporting a balance of {$11000.00} from XXXX. I filed a dispute with Experian over the phone on XXXX XXXX regarding the inaccurate information being reported on my credit report. This inaccuracy is affecting my credit score and credit worthiness. I ask that you please investigate this complaint as I am in the process of trying to buy a house.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, Truist Bankspecifically Recovery Offset XXXX # XXXX, reference number XXXX {$11000.00} from my business checking account without my authorization or consent. The withdrawal was made to collect on an old account that is/was previously charged off XX/XX/XXXX. At no point was I notified, provided documentation, or given an opportunity to dispute or verify this alleged debt. 

This action by Truist Bank is unauthorized, unethical, and constitutes a wrongful taking of my funds. The {$11000.00} removed from my business account was needed for ongoing operations, and this unexpected withdrawal has caused significant financial hardship. 

I am requesting that Truist Bank immediately return the full {$11000.00} to my business checking account and provide a written explanation for why this unauthorized debit occurred. I also request that the CFPB investigate this matter to ensure Truist Bank complies with federal consumer financial protection laws regarding account offsets and debt collection practices. 

Thank you for your 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 2025-11-25 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: KS

Complaint narrative:
I previously submitted a CFPB complaint on XX/XX/XXXX, regarding inaccuracies in my Experian credit report related to my XXXX XXXX account. Despite this, Experian and XXXX as the furnisher, have continued to update my account with multiple conflicting charge-off dates and failed to correct prior inaccuracies. 

Today, I called Experian requesting a rapid rescore for my mortgage lender, as I am in the process of closing a home loan. Instead of resolving the inaccuracies, Experian updated my account with multiple charge-offs even though : I had submitted a formal dispute CFPB had received my initial complaint A certified demand letter to Experian had been delivered on XX/XX/XXXX This sequence of events suggests retaliation and willful inaccurate reporting, which violates FCRA 604 ( a ) ( 3 ), 609, and 623 ( a ) ( 5 ). Timeline of Events/ Violations Date : Event : XX/XX/XXXX Account officially closed. 
XX/XX/XXXX Verbal confirmation from XXXX XXXX supervisor XXXX regarding closed account status. 
XX/XX/XXXX Official charge-off date for the account. 
XX/XX/XXXX Experian reports first charge-off date ( inaccurate ). 
XX/XX/XXXX Experian reports second charge-off date ( inaccurate ). 
XX/XX/XXXX Experian reports third charge-off date ( inaccurate ). 
XX/XX/XXXX CFPB complaint submitted documenting inaccuracies. 
XX/XX/XXXX Initial certified demand letter sent to Experian. 
XX/XX/XXXX Experian receives demand letter. 
XXXX XXXX XXXX Called Experian for rapid rescore to support mortgage lender ; account updated with multiple charge-offs despite pending dispute and CFPB complaint. 

Red Flags/ Violations : Multiple charge-off dates for the same account violates FCRA 623 ( a ) ( 5 ). 

Updates occurring after formal dispute and CFPB complaint indicates potential retaliation. 

Failure to investigate properly despite documented evidence, verbal confirmation, and prior communication. 

Inconsistent reporting across bureaus : XXXX  reports a single charge-off in XX/XX/XXXX with estimated removal XX/XX/XXXX. 

Impact : Delayed my mortgage loan closing. 

Forced additional documentation and verification. 

Created unnecessary financial stress and hardship. 

Negatively impacted my 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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XXXX. Took $ XXXX installment loan out in XX/XX/XXXX. 
XXXX. Made payday payments for approximately 6 months. 
XXXX. Declared financial hardship in XX/XX/XXXX and joined debt consolidation program ( XXXX consumer consolidation ). 
XXXX. Requested XXXX  account to be added in XXXX. 
XXXX. XXXX stated that XXXX  does not work with them and account could not be added. 
XXXX. Reached out to XXXX  numerous times to add account. They stated they would note my account. 
XXXX. Fees continued to be added and account still not accepted to be added to the plan XXXX XXXX. 
XXXX. Reached out again in XX/XX/XXXX to please stop fees and close account. 
XXXX. Account is still opened and my current fees are up to $ XXXX. 
XXXX. XXXX  refuses to close account or sell the account to collections in order for me to negotiate terms and add to my debt consolidation program. 
XXXX. Last attempt in writing was XX/XX/XXXX to please close my account and stop fees. Instead, XXXX  continues to add fees and refuses to close the account. I am not able to pay the extra fees and they refuse to work on a plan that I am able to pay! 
XXXX. In addition to a financial strain and mental anguish, I am unable to rebuild my credit as this is reported monthly and they refuse to work out an affordable payment plan!

Company response to consumer: Closed with explanation