vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Loan officers at 1666B told me that my loans would be placed on pause/deferment. 

Based on their assurances, I reasonably believed no payments were required during the affected months. 

The servicer failed to process the pause correctly. 

I was never notified by email, text, or phone that my accounts were considered late. 

Instead, late payments were reported, damaging my credit history. 

This is not consumer negligence it is the result of servicer error and lack of communication. 

Why this violates the law : Under FCRA 607 ( b ), credit bureaus must ensure maximum possible accuracy. 

Under FCRA 611, they must conduct a reasonable reinvestigation. After multiple disputes, they continue to verify inaccurate information without providing proof. 

The servicer has failed to provide proper documentation or verification of these alleged late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
Please see attached dispute letters for negative accounts that are unverified.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please see attached dispute letters for negative accounts that are unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint because my credit report continues to show outdated and incorrect personal information, despite a previous request to have it corrected. Under the Fair Credit Reporting Act, consumer reporting agencies are required to maintain accurate and up-to-date information, and the items appearing on my report do not meet that standard. 

When I reviewed my credit reports dated XX/XX/year>, I found several old addresses and employment entries that no longer apply to me. These items are not current, are not connected to my present situation, and should not be included in my file. Their continued presence may lead to confusion or misidentification. 

Information that needs to be removed : Outdated Addresses : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-21 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX  days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$410.00}

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 2025-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
CHASE Balance liquidation program stated that i was on an program as of XX/XX/year>. I made 2 payments in which we're successful but CHASE still told the credit bureau that I had missed payments. Chase did not disclose that I had to bring the full balance up to date before every due date or they would hit my credit with late or missed payments. Chase only disclosed to be that if I brought the payments up to date, then they would stop calling me. Nothing about credit impact was mentioned. On the paper a statement read " if you stop paying the account, it will advance in delinquency '' that was the ONLY statement about credit. I understood that statement. But when checking on my credit history it showed that Chase impacted my credit harshfully with missed payments. 

I have the call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a dispute regarding the accuracy of certain accounts reported on my Equifax credit report. The following accounts require investigation and correction : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$690.00} Inquiries : XXXX, Date of Inquiry : XX/XX/year> XXXX, Date of Inquiry : XX/XX/year> Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: GA

Complaint narrative:
Enrollment Selections : TV, Internet & Streaming Services with 5 %, Cell Phone Providers with 5 %, Grocery Stores with 2 % Only getting 1 % cell phone provider

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am fiiling this compliant because there are. unauthorized and false hard inquiries on my credit report that i did not initiate or approve.

Under Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a credit report may only be accessed with my written permission or for a permissible purpose such as a credit transaction I initiated. These inquiries do not meet those criteria and were made without my consent. I did not apply for credit with the companies in question, nor did I authorize any third party to do so on my behalf. These inquiries are negatively impacting my credit score and violate my rights under federal law. I am requesting that the FTC investigate these unauthorized inquiries and hold the responsible parties accountable for violating the FCRA. I am also requesting their removal from my credit file immediately. FTC Report Number : 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
Please accept this communication as formal dispute notification regarding the referenced accounts. I am not affiliated with them and did not approve their creation. I request deletion following review. Documentation is attached.

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 2025-11-21 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: LA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$350.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$540.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 2025-11-21 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: NV

Complaint narrative:
The following items are not mine they are fraudulent and has not been properly investigated. for one the address is not mine never done any business with these companies, these accounts were open due to fraud This is illegal to hold me to items i did not open, show me my wet signature and contract legally binding me to these accounts. i have attached my fraud affidavit a copy of my drivers license and proof of mailing address and many other thing i demand immediate resolution of removal and blocks from any future reporting nothing links me to these accounts remove them all info is incorrect and this is 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 explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
This filing is a continuation of CFPB Case No. XXXX ( Experian ). I ask the Bureau and Experian to take an integrated view of the record : please consider the facts and evidence from Case XXXX together with the new, continuing facts reported here, and treat this complaint as a continuation and complement of the prior matter. I incorporate by reference all evidence and attachments previously submitted in Case XXXX ; I am not resubmitting those exhibits here. I am attaching only the newly arising materials since that closure. 
I am the consumer ; no third party represents me in this complaint. My prior CFPB complaint XXXX was closed because Experian said it could not verify a third-party authorization. On XX/XX/XXXX, I uploaded a joint written authorization ( for me and my spouse ) to Experian via their secure Document Upload portal and kept the confirmations. Since then, Experian has not acknowledged receipt, provided no reinvestigation, and no written result. 
Today, XX/XX/XXXX, I re-checked my Experian file and the tradeline still shows the incorrect Date Opened ( XX/XX/XXXX ) instead of the correct XX/XX/XXXX ; there has been no correction or update. I am also submitting my FTC Identity Theft Report ( Ref. XXXX ) because part of this dispute involves identity misuse/forgery tied to the auto transaction. 

Newly arising attachments included here : A-1 Joint Authorization to Experian ( XXXX ) A-2 Experian Document Upload Submission Confirmation A-2.2 Authorization document uploaded to Experian submission XXXX A-3 CFPB Prior Complaint Detail XXXX ( Experian ) A-4 FTC Identity Theft Report ( Ref XXXX ) A-5 identitytheft.gov Reference Receipt A-6 Verification on XX/XX/XXXX No Date Opened Correction Experian

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