vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
LEGAL NOTICE TO EQUIFAX UNLAWFUL XXXX  CREDIT REPORTING Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DEMAND FOR DELETION OF OUTDATED AND UNVERIFIED NEGATIVE REPORTING MACYS ACCOUNT ENDING IN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Equifax Legal Compliance Division : This letter serves as a formal legal demand for the immediate removal of outdated and inaccurate derogatory information from your report concerning my XXXX account. 
Equifax currently lists this account as OPEN, CURRENT, with a BALANCE of {$0.00}, and reports the last activity date as XX/XX/XXXX. Yet, you are simultaneously reporting a negative payment history with a 30-day late mark that dates back over a year without any update or current verification. 

This violates your responsibilities under federal law and directly contradicts the more recent activity reported to XXXX  and XXXX. The XXXX account on your file : - Shows a Date Opened of XX/XX/XXXX, but no current activity or accurate status updates. 
- Lists Date Reported as XX/XX/XXXX, which is more than one year old and not reflective of the present account standing. 
- Lists Dispute Status : Account not disputed, which is materially false given multiple prior disputes. 
- Still contains 1x 30-day late, which is unverified, outdated, and potentially reversed in other bureaus. 

VIOLATIONS OF FEDERAL LAW : 1. 15 U.S.C. 1681e ( b ) Failure to report accurate and up-to-date information.

2. 15 U.S.C. 1681i Failure to reinvestigate following a consumer dispute.

3. 15 U.S.C. 1666b Reporting delinquency without confirming proper billing notice.

4. 12 CFR 1026.13 Failure to halt negative reporting during a billing error investigation.

5. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Unlawfully omitting dispute flag on a previously challenged item. 

DEMAND FOR CORRECTIVE ACTION : I hereby demand the following within 15 days : 1. Remove all derogatory history associated with this XXXX tradeline.

2. Mark the account as Disputed by Consumer.

3. Provide written verification and summary of the procedures used to validate the data. 
FAILURE TO COMPLY : If not resolved within 15 calendar days, I will initiate complaints with the CFPB, FTC, and the New Jersey Attorney General, and pursue legal remedies under 15 U.S.C. 1681n and 1681o. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-16 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Please see the attached. I have been paying off my loans each month more than what is required of me. Even while doing so, XXXX incorrectly reported that I have not been paying towards my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Please see the attached. I have been paying off my loans each month more than what is required of me. Even while doing so, XXXX incorrectly reported that I have not been paying towards my loans.

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 2025-06-16 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I recently reviewed my credit report and found accounts that I did not authorize or recognize. I am not liable for these fraudulent entries. Under 15 U.S.C. 1681g, I request their deletion within 15 days. Supporting evidence is enclosed.

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 2025-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 

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

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 2025-06-16 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: TX

Complaint narrative:
Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf after discovering the presence of late payments on my credit record that appear to be inaccurate or unverified. Despite sending formal dispute letters to the relevant parties over XXXX  days ago, I have not received any response, and they have completely failed to provide me with proper validation of these disputed items as required by law. This lack of response and failure to validate the accuracy of the reported information constitutes a serious violation of my consumer rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I bought a XXXX  XXXX XXXX XXXXXXXX XXXX and XXXX  in XXXX from a dealership and XXXX XXXX fund it for 5 years. On XX/XX/XXXXXXXX  should be my last payment. 
The vehicle engine broke, cylinder block get cracked on XXXX  and there was no reason to fix it. The monthly payment i did not stopped never! Each month funded company was getting a payment on XXXX of each month. A few month ago, the vehicle was moved to auction and was sold, which is ok with me for {$3800.00}. So lender, deducted {$3800.00} from my account balance and rest of the loan they sent to collection and of course with lowering my credit score from XXXX to XXXX!? And same time, lender was receiving a money, each month of XXXX as a payment for the vehicle. 

A week ago i payed off for my loan. 

Is this normal situation between loaners and lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEM : I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) by CHEXSYSTEM  related to my credit report. It is evident that Experian has engaged in sham investigations, maintained fraudulent and inaccurate information, and permitted unauthorized inquiries on my consumer report. Moreover, CHEXSYSTEMs  practice of using secondary bureaus, including XXXX, to verify disputed accounts without disclosing their investigative methods is unlawful and constitutes a violation of my rights under the FCRA.. Under the FCRA, I demand full transparency regarding the date of the investigation, the identity of the person or entity who conducted it, and the exact methodology employed to verify the disputed information. 
Please be advised that maintaining fraudulent information, refusing to delete demonstrably false data, and conducting cursory or sham investigations violates Sections 602, 607, 611, and 615 of the FCRA. Failure to comply with these statutory obligations will compel me to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and pursuing legal action.

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 2025-06-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involve

d. Im disputing inaccurate and misleading information on my credit report. Ive been working toward buying a home, but these errors are making it difficult. Despite my patien
ce, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involve

d. Im disputing inaccurate and misleading information on my credit report. Ive been working toward buying a home, but these errors are making it difficult. Despite my patien
ce, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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: FL

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-06-16 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from FNBO ( First National Bank Of Omaha ) that my credit limit was being decreased based on information obtained in a report from XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX TX XXXX. According to the letter this was based on my credit score changes. 

The changes in my report are erroneous and not accurate. I have requested from XXXX and XXXX  XXXX ( Both of which I will be filing a complaint as a follow up to this complaint ) XXXX. My name is XXXX XXXX XXXX -the letter from FNBO has XXXX XXXX XXXX XXXX. I had multiple inquiries that were unauthorized and therefore not valid I feel this decrease was not based on accurate and verified information and my full credit line should be restored. XXXX and XXXX is not accurately refelecting data on my 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 2025-06-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-16 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief