vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
Summary of the Complaint : I am disputing inaccurate and misleading reporting of my Bank XXXX XXXX credit card account ( Account # XXXX ) by Experian and TransUnion, which incorrectly list the account as negative despite being paid, closed, and with XXXX balance. 

Equifax has correctly deleted the account ( status Deleted ), confirming that the negative status reported by Experian and TransUnion is erroneous and harmful. The payment history shows late payments ( XXXX, 60 days ) for XXXX and XXXX that are either inaccurate or unverifiable given that the account was closed due to inactivity and fully paid. 

Key Account Information : Creditor : Bank XXXX XXXX Account Type : Credit Card ( Revolving ) Date Opened : Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Date Closed : Equifax : XX/XX/XXXX Experian : Not listed clearly TransUnion : XX/XX/XXXX High Balance : Equifax : {$2000.00} XXXX : {$2100.00} Status : Equifax : XXXX Experian : Negative TransUnion : Negative Late Payments : Experian and TransUnion show XXXX and XXXX late entries in XXXX, even though the account was closed and has XXXX balance. 

Violations and Legal Grounds : FCRA 15 U.S. Code 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

Listing an account as negative when it is closed and fully paid is a direct violation.

FCRA 15 U.S. Code 1681i ( a ) : Upon dispute, CRAs must conduct a reasonable reinvestigation and remove unverifiable or inaccurate data within 30 days. 

Experian and TransUnion have failed to correct the account status even though Equifax has removed it. 

FCRA 15 U.S. Code 1681s-2 ( b ) : Furnishers like XXXX XXXX XXXX  must investigate and correct inaccurate information upon notice. Failure to do so after a consumer dispute constitutes a violation. 

Consumer harm : The negative and inaccurate late payment history on Experian and TransUnion unjustly damages my credit score, impacting my ability to obtain fair credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX  XXXX - Account not mine XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 filing a compiaint against Equifax, TransUnion and Experian for failing to properiy investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. ( The account is Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$7700.00} Amount {$7700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number 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 2025-07-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NH

Complaint narrative:
I am filing this complaint against Equifax regarding inaccuracies in my credit report related to an account ending in XXXX, reported by XXXX XXXX XXXX. On XX/XX/year>, I sent a formal dispute letter ( XXXX  ) requesting specific information, including the date of first delinquency, date of last payment, verification methods, and a summary of the investigation process per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) and 1681s-2 ( b ). Equifax responded on XX/XX/year>, stating they conducted an electronic review and verified the information with the creditor, but they failed to address my specific requests or provide evidence of a thorough investigation. 
I believe Equifax violated the Fair Credit Reporting Act ( FCRA ) in the following ways : 1. Inadequate Investigation ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ) : The response did not demonstrate a reasonable investigation, as it relied solely on an electronic review without addressing my detailed disputes or reviewing supporting documentation.

2. Failure to Provide Required Information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) ) : Equifax did not provide a specific summary of the investigation process or policies used, as requested. 
3. Insufficient Response to Dispute ( 15 U.S.C. 1681s-2 ( b ) ( 2 ) ) : The response lacked evidence ( e.g., original records ) to validate the disputed information.

As a result of these inaccuracies and Equifaxs failure to correct them, I have been denied credit, causing me financial harm. I request that Equifax : Conduct a proper investigation addressing all points in my original dispute.

Correct or delete the inaccurate information from my credit file. 
Provide economic relief to compensate for the credit denial and financial harm caused by their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the XXXX XXXX assistance to ensure TransUnion complies with federal law, specifically sections XXXX ( reinvestigation of disputed information ) and XXXX ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management has withdrawn approximately {$500.00} from my checking account without my authorization. I have never heard of them. I never received any communication from them at all. I have never authorized the withdrawals and I have never shared that account number with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my Transunion credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i. The account in question is reporting late payments that are inconsistent with my records and not reported by other credit reporting agencies, which indicates an error or incomplete information. 

The account in question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Inaccuracies : 120-day late reported for XX/XX/XXXXXXXX  90-day late reported for XX/XX/XXXX 30-day late reported for XX/XX/XXXXXXXX  These reported delinquencies are factually incorrect and appear only on my Transunion report. This discrepancy violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies conduct a reasonable reinvestigation when notified of inaccurate or incomplete information. 

Additionally, under FCRA 1681e ( b ), Transunion is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Reporting late payments that differ from other major credit bureaus without proper verification is a violation of this obligation.

I am requesting that Transunion : 1. Conduct a reasonable reinvestigation of the account in question 2. Verify the accuracy of the reported late payments with the original creditor ; 3. Delete or correct any information that can not be verified as accurate and consistent. 

Please provide me with the results of your reinvestigation, including the name and contact information of any furnisher that verified the information, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Attached are copies of my Transunion credit report highlighting the disputed entries and a copy of my identification for verification purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
Took out a payday loan and initially had set up for automatic payment. Called the day prior to due date and revoked authorization for automatic payment and advised I would make manual payment on XXXX. Was assured by the agent my checking account would not be debited. On XX/XX/28 the collections department manually debited my checking account via debit card on file although they were not authorized to do so. This caused me to have a negative available balance in checking. Contacted them to request they void the transaction since it was still pending and they refused. They acknowledged they did have my revocation of authorization on file but debited anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express is inaccurately reporting a charged-off account as Account closed at credit grantors request FCBA dispute resolved, consumer disagrees.

This language is harmful, misleading, and violates my consumer rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 

I disputed this account in good faith, but American Express added the remark consumer disagrees even though the issue remains unresolved and they did not provide full documentation or validation. This language continues to unfairly penalize my credit score and misrepresents the status of the dispute. 

Furthermore, I never received proof of original signed agreements or complete account documentation. Amex failed to complete a proper reinvestigation under FCRA and is now damaging my credit with unresolved and inaccurate remarks. 

I am formally requesting that the account be deleted entirely OR that the dispute language be removed, as it creates a false and negative perception with lenders. 

I have exhausted all reasonable attempts directly with the creditor and now ask the CFPB to investigate this issue, as it is a direct violation of my federal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

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 explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/year>XXXX  and I noticed that this unauthorized inquiry had been made : From XXXX XXXX as well as XXXX XXXX XXXX 
I contacted XXXX XXXX who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but the company stated that they never reported any information regarding this account.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you.

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