vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX ( Disputed ) : XXXX  Address ( Disputed ) : XXXX XXXX XXXX XXXX, XXXX, CA XXXX I am filing this complaint to formally demand the Consumer Financial Protection Bureau take immediate action to require Experian, Equifax, and TransUnion to permanently DELETE the following inaccurate and unauthorized personal information associated with my credit profile. 

XXXX. Disputed Personal Information : Name : XXXX XXXX XXXX This is an incorrect format and/or unauthorized variation. 

Date of Birth : XX/XX/ This is inaccurate. 

Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX This is an outdated and erroneous address no longer associated with me. 

XXXX. Violations by the Credit Bureaus : These agencies are knowingly reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information in a timely and accurate manner. 

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer reports.

15 U.S.C. 1681g & 1681h : Failure to provide full and accurate disclosures upon request.

3. Requested Action : I am demanding that the CFPB take the following enforcement action : Require Experian, Equifax, and TransUnion to immediately PERMANENTLY DELETE the above-listed inaccurate name, date of birth, and address from my consumer file. 
Require the bureaus to certify in writing that these items have been deleted from their databases and will not be reinserted.

Investigate whether the continued publication of this false information constitutes willful noncompliance under 15 U.S.C. 1681n, subject to statutory damages, punitive damages, and attorney fees.

Hold the credit bureaus accountable for any harm caused by inaccurate data reporting and failure to properly reinvestigate. 

4. Conclusion : This is not a mere correction request. This is a formal demand for federal enforcement and compliance under FCRA. Continued reporting of false personal information is causing harm and exposes these agencies to significant civil liability. I expect immediate confirmation that this data has been deleted from all three credit bureaus and that appropriate regulatory oversight has been initiated. 

Sincerely, 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 2025-06-04 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:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX ( Disputed ) : XXXX  Address ( Disputed ) : XXXX XXXX XXXX XXXX, XXXX, CA XXXX I am filing this complaint to formally demand the Consumer Financial Protection Bureau take immediate action to require Experian, Equifax, and TransUnion to permanently DELETE the following inaccurate and unauthorized personal information associated with my credit profile. 

XXXX. Disputed Personal Information : Name : XXXX XXXX XXXX This is an incorrect format and/or unauthorized variation. 

Date of Birth : XX/XX/ This is inaccurate. 

Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX This is an outdated and erroneous address no longer associated with me. 

XXXX. Violations by the Credit Bureaus : These agencies are knowingly reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information in a timely and accurate manner. 

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer reports.

15 U.S.C. 1681g & 1681h : Failure to provide full and accurate disclosures upon request.

3. Requested Action : I am demanding that the CFPB take the following enforcement action : Require Experian, Equifax, and TransUnion to immediately PERMANENTLY DELETE the above-listed inaccurate name, date of birth, and address from my consumer file. 
Require the bureaus to certify in writing that these items have been deleted from their databases and will not be reinserted.

Investigate whether the continued publication of this false information constitutes willful noncompliance under 15 U.S.C. 1681n, subject to statutory damages, punitive damages, and attorney fees.

Hold the credit bureaus accountable for any harm caused by inaccurate data reporting and failure to properly reinvestigate. 

4. Conclusion : This is not a mere correction request. This is a formal demand for federal enforcement and compliance under FCRA. Continued reporting of false personal information is causing harm and exposes these agencies to significant civil liability. I expect immediate confirmation that this data has been deleted from all three credit bureaus and that appropriate regulatory oversight has been initiated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-04 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been a Bank of America customer for over 10 years. On XX/XX/year>, I discovered that I had been charged multiple {$25.00} Advantage Monthly Maintenance Fees on my checking account. These fees were applied without any warning or notification that I was below the minimum balance required to waive them. 

I called customer service and spoke with a representative who refunded two of the charges. I then spoke to a supervisor named XXXX, who told me no additional refund or review would be provided, despite my request. I remained calm and professional during the call, and the entire conversation was recorded. 

I explained that I had not received any alerts about these charges or balance thresholds, and that I believe these fees have been applied inconsistently over time. I was told that if I wanted to pursue it further, I should file a formal complaint. 

I am requesting a full review of all XXXX XXXX XXXX Fees ever charged to my account, as well as a refund for any fees that were applied without proper notice or transparency.

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 monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
On XX/XX/year>, I refinanced a loan with Sunbelt Credit. Later that day, my estranged husband, who goes by XXXX XXXX, messaged me about details from my application that I did not share with him. He only could have known through someone at XXXX. 

XXXX XXXX, the loan officer, is personally involved with him. She shared my private financial information without my consent. I called and reported this to another employee, XXXX XXXX, who agreed it was unprofessional. I also told her I planned to file a formal complaint. 

I reported it to the Oklahoma Department of Consumer Credit and provided documents and video evidence. They closed my file without resolution, even though the lender never contacted me or explained anything. 

Im asking for my loan to be canceled and my payments refunded. This was a serious breach of privacy and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
Collection accounts can not have a past due balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Constant calls from XXXX claiming to be US Bank. called back and a real person answered, and I was pressing to get more information about why I had an account if I didnt use services. Gave last 4 of SSN because she said she needed it to find my account but couldnt find anything.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting multiple unauthorized and inaccurate items on my credit report, including hard inquiries, account data, addresses, and employer information. 

These hard inquiries are not mine and should be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX This account is not mine and should be removed : XXXX XXXX XXXX This address is not mine and should not appear on my report : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX My current employer is missing from my credit report. 
I have worked for this company my entire life, and Im requesting that it be added : XXXXXXXX XXXX XXXX I am requesting a full investigation under FCRA XXXX and immediate removal of all inaccurate or fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute three hard inquiries currently being reported by Equifax on my credit report. These inquiries are from the following entities : XXXX  ( dated XX/XX/XXXX ), XXXX ( dated XX/XX/XXXX ), and XXXX ( dated XX/XX/XXXX ). I do not recall initiating any credit applications or transactions that would justify these inquiries at the listed dates. The lack of prior engagement with these companies and absence of corresponding applications is deeply concerning. 

While I am not claiming identity theft or fraud, I believe these inquiries may be the result of compromised data or internal errors linked to the growing number of consumer data breaches across financial institutions and retail partners. As a consumer, I take the accuracy of my credit report seriously, and I rely on Equifax to report only verifiable, authorized entries. Hard inquiries can negatively impact credit scores and must therefore be held to a high standard of verification before being added to any credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ), a credit reporting agency may only furnish consumer reports when there is a permissible purpose, such as with the consumers explicit consent or an application. In this case, I have seen no evidence to confirm that such criteria were met, nor have I been notified of any investigation or validation effort made by Equifax before allowing these inquiries to appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
XXXX XXXX XXXX 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 2025-06-04 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: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-04 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: MO

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-06-04 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: FL

Complaint narrative:
I am filing this complaint against the credit bureaus for reporting several unverifiable and potentially inaccurate accounts on my credit report.

I submitted a formal dispute requesting full legal verification under FCRA 1681i ( a ) and 1681s-2 ( b ), including a copy of the original signed contract, itemized accounting, proof of ownership, and confirmation that the debt is within the statute of limitations.

These accounts were never validated with such documentation. The bureaus failed to comply with federal law by continuing to report these accounts without proper verification. I am requesting the immediate deletion of the following accounts as required under FCRA 1681i ( a ) ( 5 ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of my consumer rights. I am requesting the CFPB to intervene and ensure these unverifiable accounts are removed from my report immediately.

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