vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and misleading entries on my credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing substantial harm to my creditworthiness. XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} This account is reported with inconsistent balances. In one instance it is listed as {$280.00} and in another as {$2800.00}. Such discrepancies are misleading and do not reflect maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} The way this account is being reported is incomplete and inaccurate, misrepresenting its true payment history and account status. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$51.00} This collection entry remains reported without proper validation, despite being inaccurate. Reporting of an unverified collection is a direct violation of consumer protections. New Charge-Offs ( Bank of XXXX XXXX Balance Owed : {$6100.00} Balance Owed : {$2200.00} Balance Owed : $ XXXXThese new charge-off entries are inaccurate, duplicative, and inconsistent. Multiple charge-offs for the same furnisher create an inflated and unfair negative impact, violating standards of accurate reporting.FCRA Violations These entries violate several provisions of the FCRA : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 611 [ 15 U.S.C. 1681i ] gives consumers the right to dispute inaccurate or incomplete information and requires a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be verified, they should be either updated or deleted.

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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent account that appears on my Equifax credit file. The account in question is reported under * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and is directly tied to identity theft, as evidenced by the * * FTC Identity Theft Report * * that I previously submitted to Equifax in compliance with the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S.C. 1681c-2 * *.

Despite providing Equifax with the FTC Identit
y Theft Report and supporting documentation, this fraudulent account continues to remain on my credit report. This constitutes a violation of my rights under the FCRA. Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block and remove all information that results from identity theft once proper documentation has been provided. Equifaxs failure to comply with this obligation demonstrates negligence in following federal law and your own reporting obligations.

Furthermore, your refusal or failure to act in accordance with * * FTC guidelines, federal statutes, and your bylaws XXXX XXXX has caused and continues to cause damage to my creditworthiness and personal financial stability. 

* * Demand for Action : * * * I demand the * * immediate deletion * * of the XXXX XXXX XXXX XXXX account associated with the FTC Identity Theft Report from my Equifax credit file. 
* I further demand written confirmation from Equifax that this account has been permanently removed, as required by law. 

* * Notice of Intent to Take Legal Action : * * If Equifax does not comply with this demand within * * 15 days of receipt of this letter * *, I will have no choice but to pursue all available remedies under federal law, including but not limited to : * Filing a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Federal Trade Commission ( FTC ) * *. 
* Pursuing * * legal action * * in federal court for damages, statutory penalties, attorneys fees, and injunctive relief under the FCRA. 

Please consider this letter my final attempt to resolve this matter amicably before escalation. I expect written confirmation of deletion within 15 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My payments are paid on time, exceptional. My student loan doesnt show that it is paid in full as it should. 
What Im upset about is over the years Ive had to deal with a low credit score, and a mocking of my credit score because of my profession, XXXXXXXX XXXX XXXXXXXX XXXX, My credit score isnt the right number of the results of me paying on time. So, anytime I apply for a loan, I am charged with a higher interest rate because of the low credit score. This is unacceptable. I am being judged by a lower credit score that isnt reflecting my payment history. Could you please help 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 2025-09-19 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have not applied for any credit cards and I got two hard checks from capital one credit card on XX/XX/XXXX and XXXX. This is not me someone is using my identity. Something hacked my email over a year ago and I had to change all my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-19 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: AL

Complaint narrative:
I am writing to formally dispute and request the immediate correction of inaccurate personal identifying information currently listed on my Equifax credit report. Specifically, I am disputing the presence of incorrect names and addresses that are not affiliated with me and must be removed immediately.

These inaccuracies may be the result of a reporting error, mixed file, or other issue, and they do not reflect my actual personal or residential history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information in my credit report, and I request that you investigate and remove all incorrect personal data without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate reporting on my XXXX XXXX account. The account is reported as having late payments in XX/XX/year>, which is inconsistent with my payment history. I have always maintained my accounts responsibly, and this entry appears to be either a reporting mistake or a mix-up with another consumers file. Despite previous disputes, this inaccurate reporting remains unresolved and continues to harm my credit profile.The late payment reported for XX/XX/year> is inaccurate and does not reflect my actual account activity.This misreporting XXXX constitute a file mix-up with someone having a similar name or account history.The inaccurate late payment continues to negatively impact my creditworthiness and potential lending opportunities. 
FCRA XXXX ( b ), XXXX XXXX. XXXX ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy in reporting. The reported late payment is inaccurate. 
FCRA XXXX, XXXX XXXX. XXXX : Grants consumers the right to dispute inaccurate information and requires a reinvestigation. Any unverifiable late payment must be corrected or removed. 
FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers, such as XXXX XXXX, from reporting information they know or should know is inaccurate. 
FCRA XXXX ( c ), XXXX XXXX. XXXX : Ensures that accounts and late payments are not re-aged or reported beyond allowable time limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate reporting on my XXXX XXXX account. The account is reported as having late payments in XX/XX/year>, which is inconsistent with my payment history. I have always maintained my accounts responsibly, and this entry appears to be either a reporting mistake or a mix-up with another consumers file. Despite previous disputes, this inaccurate reporting remains unresolved and continues to harm my credit profile.The late payment reported for XX/XX/year> is inaccurate and does not reflect my actual account activity.This misreporting XXXX constitute a file mix-up with someone having a similar name or account history.The inaccurate late payment continues to negatively impact my creditworthiness and potential lending opportunities. 
FCRA XXXX ( b ), XXXX XXXX. XXXX ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy in reporting. The reported late payment is inaccurate. 
FCRA XXXX, XXXX XXXX. XXXX : Grants consumers the right to dispute inaccurate information and requires a reinvestigation. Any unverifiable late payment must be corrected or removed. 
FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers, such as XXXX XXXX, from reporting information they know or should know is inaccurate. 
FCRA XXXX ( c ), XXXX XXXX. XXXX : Ensures that accounts and late payments are not re-aged or reported beyond allowable time limits.

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 2025-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and inconsistent entries appearing on my credit report. Several accounts reflect balances that do not align with my actual payment history, some accounts appear multiple times ( e.g., XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), and there are inconsistencies in the reporting of balances and account statuses. These discrepancies create an inaccurate representation of my creditworthiness and may affect my ability to obtain fair credit. 
Duplicate reporting of XXXX XXXX XXXX accounts. 
Incorrect balances reported for certain accounts ( e.g., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Inaccurate or incomplete reporting of account histories for accounts like XXXX and XXXX XXXX XXXX 
The presence of inquiries not authorized or inaccurately reflected in relation to the account status. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-09-19 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: NJ

Complaint narrative:
I filed this complaint with the CFPB over 30 days ago against Experian for XXXX XXXX XXXX XXXX on my credit profile this has being open for 60 days now the complaint I put in im asking for it to 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