vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
New complaint : My credit is still frozen with Experian. I submitted the below complaint about XXXX weeks ago. My credit was temporarily unfrozen for XXXX  days ( refroze about XX/XX/year> ) and is frozen again. I can't sign in still to my account at experian as described below, and I sent in a request by mail to get my account unfrozen. Now I can not get utilities turned on for my new house because my Experian credit is frozen. 

Original Complaint : In XXXX, I had someone try to open a new credit card in my name. I started the process of just freezing my credit so that people couldnt do that anymore. I froze it online after creating an account with Experian. I have an email showing on XX/XX/XXXX that my credit gives me links to unfreeze my credit. But I cant login. Says my password is incorrect. Which I dont believe is true. I try to reset my password, it tries to send me a second factor authentication but the text never comes through or the phone call to get the code. Although when I try to upgrade my membership, it will send me a link to do that to my phone. Ive tried everything on their website to be able to get into my account. It either doesnt work or says theres an error.When I go to look up with my Social Security number and birthday it says that those records dont match anything. Ive tried calling on the phone multiple times. Its very hard to get a person on the phone and even then they wont help me without an unfreeze pin. when I go to look up with my Social Security number and birthday it says that those records dont match anything. Ive tried calling on the phone multiple times. Its very hard to get a person on the phone and even then they wont help me without a unfreeze pin. But I can not find no recall ever receiving XXXX from them. no emails or anything. The end of XXXX I resorted to sending in a letter with everything requested to unfreeze my account spent over a month and the account is still not been unfrozen. experian.com says it should only take no more than XXXX days to unfreeze once they receive the letter. I cant imagine it took more than a week for them to receive the letter has the address was in Texas and I am in Texas. I am trying to buy a house in XXXX and right now this is really complicating things theres seems to be no way for me to get my credit unfrozen or get any help with this account so I cant get any sort of manager or anyone on the phone to deal with this. I would like to be able to talk to someone on the phone at Experian that can help me it was very easy to create this account. I should be able to delete this account or fix something with my account so that I can login prove its me and unfreeze my credit so I can buy a house. Thank you.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since Fall XXXX XXXX XXXX XXXX has been in communication with XXXX XXXX XXXX XXXX  to try to validate this debt. I contacted XXXX XXXX XXXX in XX/XX/XXXX when I received the lawsuit summons to pay them {$680.00} and they advised they never completely validated the debt under the FCRA Guidelines and their answer was to sue. 
n XX/XX/XXXX but that neither the bureaus or the Creditors had responded to their demands on unvalidated accounts, a violation of the FCRA. 

XXXX XXXX closed the complaint as a " DUPLICATE '' it was not since they never corrected the Credit reports and went ahead and sued and made me sign a Settlement for unvalidated debt. 

XXXX XXXX is currently under a CFPB consent order and paid {$28.00} XXXX in penalties and restitution for systemic FCRA violations, including : Failing to correct inaccurate tradelines Improperly reporting dates of first delinquency Failing to conduct reasonable investigations of disputes Violating the Furnisher Rule and Consumer Financial Protection ActXXXX This pattern of misconduct mirrors my experience and reinforces the need for regulatory enforcement. 
Bureau-Specific Violations Equifax Reports monthly charge-offs through XX/XX/XXXX despite account closure in XX/XX/XXXX Tradeline not marked as disputed DOFD not accurately reflected XXXX Reports ongoing charge-off status post-closure No disputed notation despite written notice Balance and payment history misrepresent account status XXXX Re-aged tradeline with repeated charge-off updates No dispute flag present Inaccurate reporting of account status and balance The Credit Bureaus : Equifax, XXXX & XXXX  are complicit in these violations as they continue to historically reage the account each month, have failed to illustrate it has been in dispute. Willful violations of the bureaus are : Equifax Continues to report monthly charge-off notations through XX/XX/XXXX despite account closure in XX/XX/XXXX violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( re-aging ). 

Fails to mark the account as disputed despite formal dispute submitted in XX/XX/XXXX violates XXXX XXXX. XXXX ( a ) ( XXXX ). 

Maintains inaccurate status and balance information despite no validation provided violates XXXX XXXX. XXXX ( b ). 

XXXX  Charge-off status is updated monthly post-closure, falsely indicating ongoing delinquency violates XXXX ( a ) ( XXXX ). 

No " Account in Dispute '' flag appears on the tradeline violates XXXX ( a ) ( XXXX ). 

Report reflects unverified balance and misleading payment history violates XXXX ( b ). 

XXXX Tradeline reflects continued charge-off activity without reflecting true Date of First Delinquency violates XXXX ( a ) ( XXXX ). 

As of XX/XX/XXXX, account is still not marked as disputed violates XXXX ( a ) ( XXXX ). 

Credit entry remains materially inaccurate in balance and status violates XXXX ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: LA

Complaint narrative:
My PNC mortgage account is being reported by XXXX XXXX and XXXX as XXXX days late in XX/XX/XXXX. I sent PNC a letter with details proving that I was not late in XX/XX/XXXX. They did not remove the inaccuracy from the credit bureau. My XXXX late payment was in XX/XX/XXXX. I have the statements for XXXX and XXXX to show that the XXXX payment was missed. I also have the statements from XXXX to show a payment was not missed. The inaccuracy of the date being reported is a violation of my rights under FCRA. I requested PNC to remove the XXXX day late from all credit bureaus over a year ago and all the credit bureaus show my dispute updated with the current XXXX day late showing in XX/XX/XXXX. FCRA is to protect consumers to ensure accurate information is reported to the credit bureaus. PNC and all three credit bureaus are in violation of FCRA as they all received proof in XX/XX/XXXX showing that I did not miss a payment in XX/XX/XXXX. It is my right to have the inaccuracy removed. I am respectfully requesting that the XXXX day late in XX/XX/XXXX be removed, not corrected to XX/XX/XXXX. This inaccuracy has negatively affected my credit for XXXX months. FCRA details that PNC needs to remove the XXXX day late payment of my mortgage from XX/XX/XXXX. At this point, I am not asking it be corrected to XX/XX/XXXX, I am asking that it be completely deleted from my credit file. The documentation I have provided show that I was late in XX/XX/XXXX and when PNC reported it as late to the credit bureaus in XX/XX/XXXX, I immediately made the payment. XXXX payments were made in XX/XX/XXXX. Therefore, it is impossible for the reporting of a XXXX day late to be accurate. I disputed this XXXX day late reporting for XX/XX/XXXX with PNC and all the credit bureaus and no one has reviewed the evidence and removed the XXXX day late from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a wrongful role in accurately reporting consumer information. I have several accounts with ( DEPT OF ED ) with late payments and an increase payment that wasn't discussed with me. I request thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

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 2025-06-19 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: TX

Complaint narrative:
I am submitting this complaint to dispute a number of inaccurate entries listed in the personal information section of my Equifax credit report. Specifically, the report includes multiple incorrect name variations and false employment information that do not belong to me and have never been part of my identity or employment history. The name variations in question include " XXXX XXXX XXXX, '' " XXXXXXXX XXXX XXXX '' and " XXXX XXXX XXXX. '' My only legal name is XXXX XXXX, and I have never used any of these incorrect name versions in any official capacity, application, or identification.

In addition, my Equifax file lists two employersXXXX  and XXXX XXXX XXXX  are completely inaccurate. I have never worked for either of these companies, nor have I ever listed them on any employment record, credit application, or official documentation. I believe these inaccuracies may have resulted from erroneous data reporting, a mixed or merged credit file, or possibly a prior data breach or reporting error by third-party furnishers.

The continued presence of incorrect names and false employment information on my Equifax credit report violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain accurate and up-to-date consumer information. These errors also create unnecessary confusion for lenders and pose a risk to the integrity of my credit profile. If left unresolved, these inaccuracies could contribute to mistaken identity, wrongful credit decisions, or the inability to pass identity verification for legitimate financial needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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.

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I need this account with XXXX amount owed and removed from my credit including all information that shouldnt show by law Late payments, Amount owe are incorrect and status.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-18 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-18 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: CO

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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