vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
Dear CFPB, Experian, Equifax, Transunion ; Yes the accounts belong to be however, I am filing a formal complaint against your credit reporting agency for failure to conduct a reasonable and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) regarding the following accounts that I have disputed over the past 23 months. 

Despite submitting these disputes personally with my full identifying information ( name, address, SSN, date of birth, email, and phone ), I continue to receive generic, recycled template responses stating the accounts have been verified as accurate or that my dispute came from an unauthorized third party which is false and unsubstantiated. This has resulted in your organization completely failing to reinvestigate or correct the inaccuracies I pointed out. 

Here are the disputed accounts : 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 XXXXXXXX Late Payment {$0.00} Each of these accounts continues to reflect incomplete, inconsistent, or incorrect information, including inaccurate dates, status discrepancies across bureaus, and {$0.00} balances marked with derogatory notations. These errors are materially misleading and harmful to my credit. 

Your organization has a statutory obligation under federal law to properly reinvestigate and correct disputed data : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy in consumer reports.

15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation and correct or delete inaccurate data. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs XXXX not rely solely on furnishers and must independently investigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reinforces that automated, unverified responses from furnishers do not satisfy the FCRA. 

Your bureaus repeated failure to act appropriately is now in violation of these provisions and has exposed me to ongoing credit damage due to your negligent and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted disputes with XXXX  about my identity being stolen and accounts opened in my name. I submitted my FTC Identity Theft Report as well and nothing was done.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes with XXXX  about my identity being stolen and accounts opened in my name. I submitted my FTC Identity Theft Report as well and nothing was done.

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 2025-05-24 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:
To Whom It May Concern, I am writing to provide a formal follow-up to my original complaint submitted on XX/XX/year> ( Case # XXXX ), regarding Experian and their handling of multiple disputes related to inaccurate, unverifiable, or inconsistent items reported on my credit file. 

While Experian has provided a response, I must state that the outcome is unsatisfactory and fails to fully address or correct several ongoing issues. Below are my specific concerns : Insufficient Verification of Items The accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were marked as " verified as reported, '' yet no documentation or method of verification was provided. Under FCRA 611 and 623, I am entitled to see how these debts were verified, including any original creditor documentation.

Incorrect Reporting Maintained Despite five formal dispute rounds, Experian continues to report derogatory and inconsistent information on several accounts, including charge-offs with balances and accounts marked as active despite closure or charge-off status. 

Lack of Documentation or Validation Experian failed to provide any proof of liability, signed contracts, or ownership validation for collection accounts reported by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These entries remain despite the absence of verifiable documentation linking them to me. 

Failure to Address Inquiries Experian has not addressed or removed hard inquiries over two years old ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which are outdated and continue to affect my credit profile unjustly. 

No Redress or Compensation for Documented Harm I have incurred measurable financial harm due to Experians ongoing failure to correct reporting errors. This includes credit denials and unfavorable lending terms. The classification of " closed with explanation '' fails to address these material impacts. 

Request for Action : I respectfully request that the CFPB require Experian to : Provide documented verification of each account marked as " verified, '' including signed contracts and full debt validation from the data furnishers. 

Remove or correct all unverifiable, inaccurate, or inconsistently reported items. 

Remove all outdated and unauthorized hard inquiries from my file. 

Address the financial harm caused by the incorrect and unverified reporting with appropriate corrective measures. 

Thank you for your continued support in ensuring accuracy and accountability in credit reporting. I remain prepared to provide any further documentation necessary. 

Sincerely, XXXXXXXX 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting new evidence showing that 90-day late marks were falsely moved to new months post-dispute. These alterations were not based on factual records and directly violate FCRA 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ). Notably, the months marked 90 days late do not have any prior or subsequent 30- or 60-day lates, which is irregular and impossible under Metro 2 reporting XXXX. XXXX identical Dept. of ED / XXXX account was deleted, but others with the same data and servicer were marked as verified. These were then altered with newly inserted derogatory marks in months that were previously marked OK. This demonstrates inconsistent reinvestigation outcomes and furnisher misconduct. I attached a legal Method of Verification ( MOV ) demand letter requesting full ledger validation and verification documentation. This was ignored. The dispute includes new, material information not submitted previously and reveals potential retaliatory behavior following my exercise of FCRA rights. Immediate reinvestigation is required under federal 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 2025-05-24 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: NJ

Complaint narrative:
I am submitting new evidence showing that 90-day late marks were falsely moved to new months post-dispute. These alterations were not based on factual records and directly violate FCRA 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ). Notably, the months marked 90 days late do not have any prior or subsequent 30- or 60-day lates, which is irregular and impossible under Metro 2 reporting XXXX. XXXX identical Dept. of ED / XXXX account was deleted, but others with the same data and servicer were marked as verified. These were then altered with newly inserted derogatory marks in months that were previously marked OK. This demonstrates inconsistent reinvestigation outcomes and furnisher misconduct. I attached a legal Method of Verification ( MOV ) demand letter requesting full ledger validation and verification documentation. This was ignored. The dispute includes new, material information not submitted previously and reveals potential retaliatory behavior following my exercise of FCRA rights. Immediate reinvestigation is required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
In the early month of XX/XX/year>2025 I called the creditor and They told me I could settle my debt with them for a portion of the payment. I paid the portion which settled the debt. 
In a couple of days, it was on my credit report, saying that the debt was settled. So I called back on XX/XX/scrub> 2025. And asked him, could they remove negative statement off my credit? They said no, and it would be on there Forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-24 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: TX

Complaint narrative:
I requested that the credit bureau investigate a disputed collection account reported by a debt collector XXXX. I specifically asked for documentation showing that I agreed to or accepted liability for this debt such as a signed agreement to accept any debt obligation. 

The debt collector has not provided any evidence, and I never signed anything or received documentation that proves I owe this debt. Despite this, the credit bureau closed the dispute without correcting or removing the inaccurate negative remark.

I am requesting transparency on how the bureau conducted its investigation, what steps were taken, and why the account remains on my report despite the absence of any verifiable documentation. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. 

I respectfully request that the CFPB review this matter and compel the credit bureau to either provide the evidence used to validate the account or remove the unverifiable collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been non-compliant to the F.C.R.A. and at fault for several months, In writing with USPS return receipt, as well as electronically via their XXXX application, they have been receiving multiple letters, and even requests by the creditor ( PENFED ) to remove such inquiry fromXX/XX/XXXX 

Multiple times as I have documented, they have been making false statements and representations to myself, and to the CFPB and to the Texas General Attorney, while complaining with them. 

Experian falsely represents that they confirmed with the creditor that the inquiry was properly made, and that It should remain in the report. The creditor in several occasions, and now in writing after the last dispute with the CRA, confirmed the removal request multiple times to EXPERIAN, as you may find in the evidence 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX My dog had been brutally attacked by another dog, I rushed her to this veterinary clinic. They cleaned her wounds, placed drains in them, and kept her alive and treated. 
I didnt have the money to pay them and was told that carecredit would cover the costs at no interest I was never told about a changing rate, from 0 % to 39.99 % I had no idea that this decision would have me paying it off for years, and STILL paying it off long after the original balance had been paid for. 
This was wrong, to take advantage of people who love their family or pets please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
Ive recently recieved a copy of my credit report and noticed unauthorized account / information reporting to my credit report. This report is detrimental to my life and my credit health.

15 USC 1681c-2, part of the Fair Credit Reporting Act ( FCRA ), outlines the process for blocking information in a consumer 's file that is believed to be the result of identity theft. This includes requiring consumer reporting agencies to block such information, notify furnishers, and potentially decline or rescind blocks under certain circumstances.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I was a a XXXX XXXX and the salesperson XXXX XXXX, was attempting to get me financing for a vehicle causing several hard inquiries on my credit. He stated that when they pulled my credit report it stated that I still owed XXXX XXXX {$15000.00} from a previous car loan I had. This caused the lenders to deny me financing. The companies that inquired were : XXXX XXXX, XXXX XXXX XXXX, Ally Financial Inc and XXXX XXXX XXXX. I did not authorize any of these companies access to my credit report, only XXXX. XXXX XXXX assured me that they dont shotgun your credit by running it multiple times with banks and lenders but thats exactly what happened. XXXX XXXX XXXX my credit reports show that my account with XXXX XXXX is closed with a balance of {$0.00} so it puzzles me that they see a balance of {$15000.00}. XXXX XXXX must be reporting fraudulent information. I also never received information on who all denied my credit and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I was a victim of domestic XXXX and identity fraud by the same person. I have filed police reports and provided the identity theft information to them. When I was taken to court, the LVNV FUNDING LLC XXXX would not commit to a time to meet with a mediator. I missed my preliminary hearing by XXXX minutes due to health issues and the court would not let me rectify it. I have requested to be shown the application from XXXX  XXXX and they have stated they do not have a record of me ever signing up for a card. I have requested from the collection agencys to give me evidence that this is my debt and nothing has been provided. I have given the collection companies all my information and the debt has been passed to a new company every XXXX years. I have proven to multiple credit companies and now LVNV FUNDING LLC that this is identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: IN

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible

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 2025-05-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I requested a copy of the original lease with my signature and was ignored by the company. The original creditor is no longer in business. No contract was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

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