vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am submitting this complaint because multiple unauthorized hard inquiries remain on my credit report despite my formal identity theft dispute and supporting documentation being received by your bureau on XX/XX/XXXX. 

These inquiries were made without my consent by creditors I have never applied with and are the result of verified identity theft, supported by the following documentation : XXXX Police Department Report # XXXX FTC Identity Theft Report Copy of my government-issued ID Copy of a current utility bill confirming my address Despite providing this complete package and filing CFPB complaints previously, these unauthorized inquiries have not been deleted from my file.

Under FCRA 605B and 611, credit bureaus are required to block and remove all information that results from identity theft once a valid identity theft report has been received. 

These inquiries continue to cause me harm by lowering my credit score and affecting my ability to obtain legitimate credit and open financial accounts. 

The disputed inquiries include, but are not limited to : 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 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 XXXX XXXX XXXX XXXX XXXXXXXX, and other auto and finance inquiries made without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
Let me make it XXXX XXXX  that this complaint is entirely legitimate and demands your immediate and undivided attention there is no room for doubt, dismissal, or delay. 
My credit report contains blatant inaccuracies that fail to meet the mandatory standard of maximum possible accuracy, violating consumer protection laws and my rights. 
These errors are inflicting serious and relentless negative impacts on my life, disrupting everything I hold dear and causing irreparable harm.

I insist that these inaccuracies be thoroughly investigated and either corrected or removed without any further delay there are no excuses acceptable, and inaction is not an option.

Resolving this issue is not merely necessary ; it is absolutely critical for my well-being, rights, and financial future failure to do so is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
The credit account being reported contains inaccurate or incomplete information that does not reflect the true and verified status of the account. Specifically, there are discrepancies in the payment history, current balance, account status, and/or date of last activity. In addition, certain important data appears to be missing or inconsistently reported across the credit bureaus. 

I have previously contacted both the credit bureaus and the furnisher of the information to request verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ). However, no supporting documentation or original source data was provided to validate the accuracy of the information being reported. The continued reporting of unverified or missing data is misleading and unfairly damages my credit standing.

I am therefore requesting a complete reinvestigation and correction or deletion of all unverifiable and inaccurate information in accordance with the FCRA 602 ( A ), 607 ( B ), and 611 ( A ). The furnisher must either provide verifiable proof of accuracy or remove the disputed data from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my Equifax credit report, which I believe are either inaccurate or incomplete. Please thoroughly investigate these accounts and take the necessary corrective actions. 

Late Payments : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Status : Late Payment Balance : {$0.00} Date Opened : [ Insert Date ] XXXX  XXXX Account Number : XXXX Account Status : Late Payment Balance : [ Insert Balance ] Date Opened : [ Insert Date ] XXXX XXXX XXXX Account Number : XXXX Account Status : Late Payment Balance : [ Insert Balance ] Date Opened : [ Insert Date ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This complaint concerns a paid collection reported by ALDOUS ( balance {$0.00} ) that still displays derogatory/collection status and shows Account not disputed despite my having disputed the tradeline twice over XXXX days ( XXXX days under our XXXX cycle ). The furnisher has not produced any written validation : no original creditor documentation, no contract, no chain of title, and no proof of how the debt was established prior to being paid. 
A paid collection that continues to be furnished as derogatory without validation and with incorrect dispute coding violates : FCRA 607 ( b ) maximum possible accuracy ( current status must reflect Paid without misrepresenting ongoing derogatory behavior ).

FCRA 611 ( a ) failure to conduct a reasonable reinvestigation and correct the dispute indicator. FCRA 623 ( a ) duty of furnishers t
o correct and update information ; furnishing inaccurate information is prohibited.

FDCPA 809 ( b ) no continued reporting absent validation on request. 
XXXX XXXX requires proper coding for Paid collection and accurate Compliance Condition Codes to reflect that the account is in active dispute when applicable.

Furnishing a paid account as an active derogatory collection misleads creditors and depresses my score, which is factually inaccurate and non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding a money remittance I initiated on XX/XX/year>, in the amount of {$970.00} USD intended for the recipient XXXX XXXX XXXX in the XXXX. Despite the passage of considerable time, the recipient has not received the funds. 

I have made multiple follow-up calls to the customer service team of XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, referencing the following transaction claim numbers : XXXX and XXXX. On XX/XX/year>, I also received a response from their email system indicating that their inbox message was not monitored, which added further frustration to this unresolved matter. 

During my last call on XX/XX/year>, their customer service representative confirmed receipt of the recipients bank statement, which I had forwarded as requested. I was informed that my complaint would be submitted to their partner bank in the XXXX. However, as of today, the funds remain undelivered, and no resolution has been communicated to me. 

This situation has caused significant inconvenience and distress to both myself and XXXX XXXX, who urgently requires the funds. The lack of timely resolution and inadequate communication from XXXX is unacceptable for a financial service provider entrusted with handling remittances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am disputing the accuracy and completeness of a utility account that appears on my credit report [ ACCOUNT # : XXXX ]. The furnisher reported only a charge-off status without including any prior months of payment history. Reporting only the negative portion of an account while omitting its full activity is incomplete and misleading. Under FCRA 602 ( 15 U.S.C. 1681 ), consumer reports must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must follow reasonable procedures to assure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), furnishers are required to correct or stop furnishing information that is not complete or accurate.

Because the furnisher has not provided the full payment history, this reporting fails to meet these standards.

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 2025-11-11 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: CA

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian credit report. These items are inaccurate and require immediate correction. 

Charged-Off Accounts [ No records provided for Experian ] Inquiries 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 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 2025-11-11 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-11 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because the credit bureau failed to properly handle my personal statement of dispute and continues to report false and unverifiable information on my credit file. I provided full documentation, including my FTC Identity Theft Report, proof of identity, and formal dispute letters that explained in detail why the accounts were inaccurate and unverifiable. Despite this, the bureau closed my dispute without attaching my statement or correcting the false information, which violates my rights under the Fair Credit Reporting Act. 

I specifically disputed multiple accounts, including XXXX XXXX XXXX and XXXX XXXXXXXX, that show completely different dates, statuses, and payment information across all three credit bureaus. XXXX bureau lists the accounts as open while another lists them as closed or charged off. This inconsistent reporting is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ) which requires data furnishers to maintain accuracy, and Section 611 ( a ) ( 1 ) ( A ) which requires the credit bureau to conduct a reasonable reinvestigation when a consumer disputes information.

I also submitted an official FTC Identity Theft Report proving that I am a victim of identity theft. The fraudulent accounts, including those from XXXX XXXX XXXX and XXXX XXXX XXXX, were never opened or authorized by me. Under FCRA XXXX XXXX, the bureaus must block and delete information resulting from identity theft within XXXX business days after receiving the report. They have failed to do that. Instead, the same fraudulent accounts continue to appear and harm my credit. 

The credit bureau did not include my personal statement of dispute on my file. I made it clear in my submission that my personal statement was to be added to explain that I disagree with their decision after the investigation because they ignored the proof and did not follow the law. The bureaus investigation results were generic, unresponsive, and did not explain the method of verification as required under FCRA Section 1681i ( 7 ). 

I have complied with every requirement, provided all supporting documents, and followed every legal step to have these inaccurate accounts corrected or deleted. The continued reporting of false information and failure to add my personal statement to my file shows willful disregard of federal law and negligence in maintaining the integrity of my credit 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 2025-11-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-11 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: AL

Complaint narrative:
I am writing to dispute certain items on my credit report as I believe they contain inaccuracies. Below, I have outlined the accounts in dispute, separated by the respective credit bureaus : Equifax ( XXXX )XXXX XXXX ( XXXX ), and XXXX XXXX XXXXXXXX ). I respectfully request a thorough investigation of these items and removal of any inaccurate or unverifiable information. 


Charged Off Accounts : XXXX XXXX - XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$8200.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$6000.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$5700.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$4900.00} XXXX FIRST - XXXX, XX/XX/XXXX, {$1200.00} Unknown - XXXX, XX/XX/XXXX, {$1800.00} Inquiries : XXXX, XX/XX/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