vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: MD

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the fair credit reporting act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience wheee Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a 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 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX  XXXX RE : Dispute and Validation Request for Account Number XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$190.00}, associated with account number XXXX XXXX XXXX XXXX XXXXXXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.I request the following documentation : 1. The original signed credit agreement bearing my wet signature. 2. Full itemization of the alleged debt, including all interest and fees. 3. Proof of assignment or transfer of the debt, including the complete chain of custody. 4. Any pooling or securitization agreements involving this account. 5. Confirmation of whether a Form 1099-C was issued.6. A complete accounting of the obligation from origination to present. If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, 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 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXXXXXX XXXX RE : Dispute and Validation Request for Account Number : * * * * XXXX To Whom It XXXX Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$190.00}, associated with account number XXXX XXXX XXXX XXXX XXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.I request the following documentation : 1. The original signed credit agreement bearing my wet signature. 2. Full itemization of the alleged debt, including all interest and fees. 3. Proof of assignment or transfer of the debt, including the complete chain of custody. 4. Any pooling or securitization agreements involving this account. 5. Confirmation of whether a Form 1099-C was issued.6. A complete accounting of the obligation from origination to present. If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, 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 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXXXXXX XXXX RE : Dispute and Validation Request for Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$190.00}, associated with account number XXXX XXXX XXXX XXXX XXXXXXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.I request the following documentation : 1. The original signed credit agreement bearing my wet signature. 2. Full itemization of the alleged debt, including all interest and fees. 3. Proof of assignment or transfer of the debt, including the complete chain of custody. 4. Any pooling or securitization agreements involving this account. 5. Confirmation of whether a Form 1099-C was issued.6. A complete accounting of the obligation from origination to present. If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My auto loan with XXXX XXXX was included in a bankruptcy XXXX XXXXXXXX which was successfully XXXX. However XXXX continues to report the account as needing attention and mentions of the loan still in an active bankruptcy to the credit bureaus.

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 2025-07-06 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: SC

Complaint narrative:
My auto loan with XXXX XXXX was included in a bankruptcy XXXX XXXXXXXX which was successfully XXXX. However XXXX continues to report the account as needing attention and mentions of the loan still in an active bankruptcy to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
My auto loan with XXXX XXXX was included in a bankruptcy XXXX XXXXXXXX which was successfully XXXX. However XXXX continues to report the account as needing attention and mentions of the loan still in an active bankruptcy to the credit bureaus.

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Case Number : XXXX VICTIM contact : ( XXXX ) XXXX Dear customer Service / Fraud Dept., of Bank of America I have Called & made a Fraudulent Claim, Due to Getting Rejected by My Own Bank Trying get a Loan. Being a Loyal Customer for Five Years At the Time of Trying Get a Loan No Drastic Measure or Procedure nor Guidance Was Not Explained nor Given on How to Get Accepted for an Auto Loan with Senior Banker : XXXX XXXX. I XXXX XXXX XXXX XXXX Taken in Desperate Circumstance 's, as a Victim in Today World of Scams, Criminals Finding new Ways to Scam People in Advance Tecnology You Can't Tell What's Real or not. 
Dive into Bit Coin to Get Quick Cash Because of a Denial of a Loan. 
Me not knowing it Was a scam until I seen a pattern Am getting Charge back scheme Getting Scam Through Official Sights to Download Apps. Paid by a Debit Card {$0.00} Liability policies I Paid for something that I didn't receive What I pay for, generally obligated to refund Money Lost to Fraud. I would understand My refund Gotten Deny if I Were Negligent or involved in the scam. Even myself have tried Helping with the Investigation When contacting customer service for proof of Electronic receipt which they have failed to give me in email and in app message which they Denied to give me.ME Being a Loyal Customer for Five Years Requesting My Bank to refund or returned My money that a loyal customer that have been a victim of a scam When A customer file fraud Paid by electronic Transaction. ( Rights under EFTA ) These are Numbers & Addresses of scammers. 
Scammer Number XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
On or about XX/XX/year>, a lawful Notice of Merger and Debt Extinguishment was issued in connection with a billing statement dated XX/XX/year>, from a credit card account reporting a balance of {$1200.00}. The credit obligation originated from a credit limit of {$700.00} and included subsequent charges and fees totaling over {$500.00} in minimum payment demand. The account had an annual percentage rate ( APR ) of 36 %, and listed interest and fees in excess of $ XXXX year-to-date. 

As authorized fiduciary and secured party to an active private trust, I lawfully extinguished the obligation under authority of trust law and binding federal statutes. The discharge documents included : A sworn Notice of Debt Extinguishment and Trust Merger ; A Congressional Authority Addendum citing applicable legislative Acts of Congress ; A Discharged for Cause stamp affixed to the creditors own billing instrument. 

These were delivered with a cover letter via certified means to the companys listed payment and correspondence addresses. 

Despite the lawful extinguishment and service of notice, the company has continued to report or attempt to collect on the extinguished balance without recognizing the discharge. This action violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by failing to update the account status to paid, satisfied, or XXXX balance, and constitutes a wrongful effort to enforce a debt that no longer exists in law or equity. 

I respectfully request immediate correction of all records, suspension of collection activity, and formal recognition that the obligation has been extinguished under lawful trust authority.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: NV

Complaint narrative:
on XX/XX/XXXX I sent this Formal Dispute and Request for Deletion of Inaccurate Information Under 15 USC 1666b & 15 USC 1681i to the credit bureaus.

To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit file regarding the account listed below : Creditor Name : Flagship Credit Acceptance Account Number : [ Insert Account Number ] Reported Balance : {$8600.00} Remarks : Charged Off Upon reviewing my credit report, I noticed significant discrepancies and incomplete reporting, in violation of both the Fair Credit Billing Act ( 15 USC 1666b ) and the Fair Credit Reporting Act ( 15 USC 1681i ), which require accurate, complete, and verifiable information to be maintained on consumer credit files.

Specifically : The reported Highest Balance is {$0.00}, yet a Reported Balance of {$8600.00} exists, which is inconsistent and misleading.

There are multiple late payments reported, yet the account term is listed as 1 month, which is factually inaccurate.

Incomplete or contradictory information violates the requirement for maximum possible accuracy under 15 USC 1681i. 

Additionally, under 15 USC 1666b, consumers have a right to be properly billed with correct statements, and any inaccurate reporting reflecting improper billing, timelines, or balances should not be reflected on my credit profile.

Given these violations and inconsistencies, I demand the immediate investigation and removal of this inaccurate account information from my credit reports. If the creditor can not provide verified, complete, and consistent documentation supporting this reporting, this account must be deleted entirely, per the Fair Credit Reporting Act.

Please complete your investigation within the 30-day period as required by law and provide written confirmation of the results.

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 2025-07-06 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 have been a XXXX customer since XX/XX/year> and during that time, I have enjoyed my experience with XXXX greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my XXXX XXXX. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EA Holdings Corp.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my XXXX  credit report concerning a vehicle repossession allegedly reported by XXXX. 
This repossession entry is being reported inaccurately and potentially in violation of the Truth in Lending Act ( TILA ), 15 U.S. Code 1601, which was enacted to ensure consumers are treated fairly by lenders and are provided with clear, truthful information about credit transactions. Under this law, I have the right to dispute any information that is incomplete or inaccurate and to have that information corrected or removed in a timely manner.

Specifically, I am requesting the following : 1. A thorough reinvestigation of the repossession entry.

2. Verification and validation of the account from XXXX, including full documentation proving the debt was legitimate and the repossession was lawful.

3. If verification can not be fully substantiated in accordance with the Fair Credit Reporting Act ( FCRA ) and TILA, I request immediate removal of the repossession from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
In XXXX I lost my wallet which contained my Social Security card, state ID, and bank cards. I was not able to recover it and replaced the documents when I could. 

Since then, accounts and inquiries I do not recognize have appeared on my XXXX XXXX. These were not opened or authorized by me. I believe I am a victim of identity theft. 

I have attached my cXXXX XXXX, a bank statement with my current address, and a dispute letter. Please investigate and permanently remove any fraudulent information.

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 2025-07-06 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: IA

Complaint narrative:
I recently checked my report and saw multiple infraction accounts that are demeaning to my character and background

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: IA

Complaint narrative:
I recently checked my report and saw multiple infraction accounts that are demeaning to my character and background

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 2025-07-06 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 writing to dispute the following inaccurate and unverifiable information on my XXXX XXXX. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: HI

Complaint narrative:
Account XXXX : XXXX * * * * I am a XXXX XXXX XXXX member formally disputing the accuracy of a XXXX and XXXX late payment reported on my closed XXXX XXXX ending in XXXX. 

This account was fully paid and closed with a {$0.00} balance as of XX/XX/year>. However, a late payment was reported in XXXX and XX/XX/year>, which appears to stem from a residual interest charge added after the payoff. I was not made aware of any remaining balance or interest after my final payment, and as such, was not given proper notice or opportunity to address it before the late mark was reported. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, information reported to credit XXXX must be accurate and fairly reflect a consumers credit behavior. This reported late payment : Does not reflect a missed or intentional default Was caused by an uncommunicated post-payoff interest balance Is damaging my credit unfairly despite my timely payoff I request a reinvestigation of this reporting and removal of the late payments. I have attached a copy of my credit report for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my XXXX XXXX. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my XXXX XXXX

Company response to consumer: Closed with non-monetary relief