vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I am submitting to formally dispute multiple entries currently reported on my Equifax, TransUnion and Experian credit report under DEPTEDXXXX. Upon careful review, I have identified serious discrepancies : the same account appears multiple times with conflicting balances and inconsistent reporting dates, which is unacceptable and misrepresents my credit history. These duplications are not only confusing but also unfairly damaging to my creditworthiness. I request that Equifax, TransUnion and Experian immediately address these issues and conduct a thorough reinvestigation, fully compliant with the Fair Credit Reporting Act ( FCRA ), including FCRA 611 ( 15 U.S.C. 1681i ) concerning reinvestigation of inaccurate information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update information, FCRA 605 ( a ) regarding obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) ensuring my right to full disclosure of all reported data. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3000.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7400.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX * Balance {$2400.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7500.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5900.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX * Balance {$3800.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5800.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the CRAs have verified late payments without providing documentation, violating : 15 USC 1681i Failure to conduct a reasonable investigation 15 USC 1681s2 ( b ) Failure to verify before continuing to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the CRAs have verified late payments without providing documentation, violating : 15 USC 1681i Failure to conduct a reasonable investigation 15 USC 1681s2 ( b ) Failure to verify before continuing to report

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 2025-12-04 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: NY

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a proper reinvestigation and for failing to explain the method they used to verify an account from XXXX XXXX XXXX ( Account Ending : XXXX ). 

I disputed this account multiple times because it contains inaccurate and unverifiable information. Experian responded that the account remains and meets FCRA requirements, but did not provide : What documentation XXXX provided The procedure Experian used to verify the account Who verified the information What records were reviewed How accuracy was determined Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I have the right to request a Method of Verification, and Experian is required to provide a detailed description of how they verified the account. They have failed to provide this. 

Under FCRA XXXX ( b ), Experian must ensure maximum possible accuracy of the information reported. This account contains incorrect dates, inconsistent reporting, and incomplete verification across all three credit bureaus. 

Under FCRA 611 ( a ) ( 5 ), any information that can not be fully verified must be deleted. XXXX has not provided complete documentation, original records, or validation supporting the accuracy of this account. 

I simply want Experian to comply with the FCRA, provide the legally required Method of Verification, and remove the XXXX XXXX XXXX account if it can not be fully verified with original documentation. 

I request that the CFPB require Experian and XXXX XXXX XXXX to : Provide the full Method of Verification Provide copies of all documents used to verify the account Delete the account if they can not validate it with original, complete records Thank you for your assistance.

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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Oportun sent an email referencing an adverseaction letter but failed to provide the required written adverseaction notice and specific reasons as required by ECOA/Regulation B and the FCRA/Regulation V. I applied for a loan with Oportun on or about XX/XX/year> and XX/XX/year> using last Applicant ID XXXX. On XX/XX/year>, I received an email from Oportun that stated View Adverse Action Notice and included the text quoted below, but no written adverseaction notice or specific reasons were provided in the email or as an attachment : " Dear XXXX XXXX, View your Adverse Action letter here : View adverse action notice It explains why we could not approve your application and when you may re-apply. Questions? XXXX. We appreciate your interest in a loan and hope to serve you in the near future. Thank you, Oportun Applicant Id # XXXX '' Under the Equal Credit Opportunity Act ( Regulation B ) and the Fair Credit Reporting Act ( Regulation V ), when a creditor takes adverse action it must provide a written notice that either states specific reasons for the adverse action or discloses the right to request specific reasons, and, if a consumer report was used, must include the consumerreporting agency information and required FCRA disclosures. Oportuns email did not include the required written notice or the specific reasons for denial, and it did not provide the consumerreport information required by the FCRA. Why this is a problem for me : Without a compliant adverseaction notice and the specific reasons for denial, I can not determine whether the decision was based on inaccurate or incomplete information, including potential errors in my consumer report. I am deprived of the ability to dispute incorrect information and to understand the basis for the denial. 
Provide the required written adverseaction notice that complies with ECOA/Regulation B and the FCRA/Regulation V, including specific reasons for the adverse action and any consumerreport information relied upon. Provide copies of any consumerreport extracts, underwriting notes, or documents relied upon in making the decision. 
Confirmation that Oportun will correct any inaccurate information and a statement of steps taken to prevent recurrence. I have also attached the dispute I sent via certified mail with return receipt tracking # XXXX for Oportun 's review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Recently I have looked at my most recent credit report and noticed various inaccuracies on my account. This is drastically lowering my chances to obtain new credit. It is to my knowledge that you will investigate these items for me to insure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX account number 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carvana Group, LLC
State: TN

Complaint narrative:
I am filing this complaint because XXXX is reporting a repossession account inaccurately and has failed to provide legally required documentation to validate the account. The information being reported to the credit bureaus is incomplete, inaccurate, unverifiable, and in violation of Federal law, including FCRA, FDCPA, and UCC Article 9. 

Despite requesting validation and documentation from XXXX, they have failed to provide : Notice of Intent to Sell ( required by UCC 9-611 ) Post-Sale Deficiency Notice ( required by UCC 9-616 ) Itemized deficiency balance calculation Proof of sale, including date, location, buyer, and sale method Payment history and ledger Reinstatement/Redemption amount at time of repossession Contract establishing the debt and terms Without these documents, XXXX can not legally claim a deficiency balance or report a repossession. 

The credit reporting they are furnishing contains the following problems : Incorrect balance and past-due amounts Missing or incorrect payment history Improper reporting dates ( DOFD / Status Date / Charge-Off Date inconsistencies ) Failure to validate debt upon request Incomplete documentation required to establish the legitimacy of the deficiency balance Reporting information they can not verify, violating FCRA 607 ( b ) and 623 Bridgecrest is continuing to furnish information that is unverified, inaccurate, and incomplete, which is a violation of FCRA standards for accuracy and the obligation to investigate. 

Additionally, failure to provide the legally required pre-sale and post-sale notices under UCC Article 9 makes any deficiency balance unenforceable. 

I am requesting that the CFPB require XXXX to : Provide complete documentation validating the account, including legally required notices Provide proof of a commercially reasonable sale Correct or delete all inaccurate reporting Remove the account entirely if they can not validate every element required under law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX XXXX Social Security Number Last 4 ( XXXX ) I am filing this complaint to demand that TransUnion, Experian, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I would like to have these items removed from my credit report as soon as possible. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

No third party, credit repair company, or representative is acting on my behalf.

I am submitting this dispute personally, as the victim of identity theft.

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within 4 business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information A copy of my FTC Identity Theft Report ( Case # XXXX ) Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft.

I am requesting : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections 2. A full reinvestigation of all disputed items 3. Written results and verification of your investigation 4. An updated, corrected copy of my consumer report 5. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency. 

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not my account, and it appears on my report in error.

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 2025-12-04 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: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this complaint because multiple companies accessed my credit reports through hard inquiries without my authorization, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible Purpose ) and 15 U.S.C. 1681c-1 ( Right to Block Unauthorized Access ). 

I did not initiate any credit applications with these companies, nor did I provide written, electronic, or verbal consent for them to obtain my consumer report. These entities had no permissible purpose under FCRA to access my credit file, and their actions constitute unauthorized credit access. These inquiries are negatively affecting my credit profile and were not resolved when I disputed them through the credit bureaus. The bureaus failed to perform a proper investigation in accordance with FCRA 1681i ( Reinvestigation of Disputed Information ).

Legal Basis of My Complaint : 1. FCRA 604 ( a ) requires a creditor to have a permissible purpose before pulling a credit report. These companies lacked such purpose. 


2. FCRA 609 ( e ) gives me the right to request verification of authorization. None of these creditors have provided signed authorization.

3. FCRA 611 requires the credit bureaus to conduct a reasonable reinvestigation. They did not.

4. FCRA 616617 outlines civil liability for willful or negligent noncompliance with the FCRA. I am being harmed by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am disputing the XXXX XXXX XXXX  credit card account that appears on my credit report as a charged-off balance. Since the account has been charged off, I requested that XXXX XXXX provide me with a copy of the Form 1099-C to verify whether the debt was canceled. To date, they have not provided this documentation. 

I also, received a letter from the Resurgent debt collection agency that debt has been sold to them as of XX/XX/year> and that they are the new owner. 

XXXX XXXX is continuing to report and/or allow the furnishing and use of this information without proper verification, which violates my rights under 15 U.S.C. 1681b ( permissible purposes of consumer reports ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( i ) ( duty of furnishers to provide accurate information ). I am requesting that the CFPB require Credit One to validate the charged-off debt, provide the 1099-C as I requested, if the debt was canceled, and correct or remove any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have sent them a cease and desist letter but they have ignored it. The company 's do not have my written consent.

Company response to consumer: Closed with non-monetary relief