vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
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 2025-12-05 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: NJ

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

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

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

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

Company 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 2025-12-05 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: CT

Complaint narrative:
I am submitting to follow up on a dispute I submitted last dispute regarding my XXXX XXXX XXXX account, account number XXXX, which continues to be reported inaccurately across TransUnion, Equifax, and Experian. Despite my prior dispute, the account shows late payments that do not align with my records, and the reporting is inconsistent across the XXXX credit bureaus, which is both confusing and damaging to my credit profile. I am requesting a thorough reinvestigation and correction of this account in full compliance with federal law. 
On TransUnion, the account is reported with a balance of {$1000.00}, an open date of XX/XX/XXXX, and last activity on XX/XX/XXXX, with a XXXX late reported in XX/XX/XXXX. On Equifax, the same account shows a balance of {$1000.00}, an open date of XX/XX/XXXX, last activity on XX/XX/XXXX, and XXXX XXXX late payments reported in XXXX and XX/XX/XXXX. On Experian, the account again shows a balance of {$1000.00}, an open date of XX/XX/XXXX, last activity XX/XX/XXXX, and a XXXX late reported in XX/XX/XXXX. These discrepancies between the bureaus make it impossible for me to understand my true account history and unfairly misrepresent my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: AL

Complaint narrative:
I have been impacted by several major data breaches, including XXXX and XXXX XXXX, and other breaches where my DOB and SSN were later found on the dark web. In 2022, my home was burglarized and personal items were taken, further exposing me to identity theft. 

As a result, my TransUnion credit report now shows fraudulent accounts, unauthorized inquiries, and corrupted personal information. Some items are double-reported by both the original creditor and a collector. My file also contains multiple incorrect name spellings and former addresses that I have never lived at. 

I mailed a formal dispute with documentation, but no response was received within 30 days, and I also experienced problems accessing the online dispute portal, leaving me unable to view the dispute status. I am therefore submitting my complaint through the CFPB along with my FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
In XX/XX/year>, I disputed an account being reported by XXXX XXXX XXXX because the information was inaccurate, unauthorized, and did not match any account I have ever opened. The account showed a balance of over {$39000.00} and contained conflicting dates and inconsistent reporting across bureaus. 

Equifax completed the reinvestigation in XX/XX/year> but did not provide any verification documents. No contract, application, statement, assignment, or proof of ownership was provided to support the reporting. Instead, Equifax only updated internal fields and marked the item as verified as accurate. This is not proper verification under the Fair Credit Reporting Act. 

The account continues to display conflicting dates, inaccurate history, and information that does not correspond to any legitimate creditor. The original creditor listed does not show any charge-off that matches the amount LVNV claims. Despite disputing the account, no validation or documentation has been produced. 

This unresolved inaccurate reporting has negatively affected my creditworthiness, resulted in disrupted financial plans, and caused me to lose opportunities that required accurate credit reporting. I am requesting CFPB intervention to require proper verification or deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian used incorrect information to deny me a loan that I had no idea I applied for until after the matter. Also credit one credit card company has been degrading my consumer information with a current judgement on my account that is not accurate. I have two complaints in this complaint. Quite frankly Im sick and tired of my credit score fluctuating when the wind blows. Can you guys by you guys I mean even the CFPB come up with something more concrete than the no backbone of a one sided joke system we use today. Actually all so called three of the monopoly giants of the XXXX XXXX XXXX XXXX or so called- Experian, XXXX XXXX  XXXX and XXXX- you guys make up rules as you go along to benefit certain chosen ppl and make it impossible for a hard working single father of three to have anything or get ahead in life in any way possible over a few mistakes that was made as a kid. Push bankruptcy down our throats and then act like we are deformed or of another species if we have to file XXXX  XXXX or XXXX. Then lie about us even if the supposedly amount of time has gone by You guys do not protect us from consumer agencies that use old information, false information, made up information created by probability in certain cases and then let the same agencies including our government ( CFPB ) supposedly brought together by us ( Humans ) to protect us

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 2025-12-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2025-12-05 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 a victim of identity theft, and multiple fraudulent accounts, inquiries, and incorrect personal identifiers are being reported on my consumer credit files. These items were opened when I was a minor, making them legally invalid. My true date of birth is XX/XX/XXXX. 

I have never used or been known by the name XXXX. I have never lived at the following addresses, yet they appear on my reports : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Despite notifying the credit reporting agencies, they continue to publish false and damaging information about me, causing ongoing harm. 

Fraudulent Accounts ( Opened While I Was a Minor ) 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 XXXXXX/XX/XXXX XXXX have submitted : Government ID Proof of Address FTC Identity Theft Affidavit XXXX  Police Report Under the Fair Credit Reporting Act ( FCRA ) 605B, the CRAs must block identity theft items within 4 business days once proper documentation is supplied. They have failed to comply, and the fraudulent data remains.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am filling this complaint due to inaccurate and unverifiable information being reported by EQUIFAX on my credit file. Despite submitting formal disputes under the Fair Credit Reporting Act ( FCRA ), the account continues to be reported without proper validation or correction. 

The company had failed to provide original documentation to verify the debt, and the XXXXeporting may also violate XXXX XXXX compliance standards. 
Requesting Resolution I am Requesting : A proper reinvestigation under FCRA 611. 

Removal or correction of the account if it can't be fully verified. 

Written confirmation once the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my 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 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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

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

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

Company 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 2025-12-05 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: OH

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Basically, I owe a balance of approximately {$6900.00} for a lease break which I would love to resolve up until now. I have already called about three times, however the first time I called was just to gather information regarding the balance and if I was able to make payment arrangements just so I have an idea. I talked to XXXX XXXX as he identified himself. ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). I explained to him that I am having a financial hardship and would like to setup a payment arrangement that would best suite my financial needs. {$200.00} a month was the best he can offer, and I told him that I couldn't afford that at the time. I called two more times and finally came to an agreement that I would be able to pay the {$200.00} a month if he can wait for my pay period of one more week. I finally called back on XX/XX/year> to make this happen and start making payments with the exception of requesting a pay-to-delete letter before making any payments. this time it was a female on the phone and from the beginning she was extremely rude and said they don't offer any letters and/or nothing in writing as XXXX had mentioned to me previously. she said just take my word and I told her that I wasn't going to take her word and if she can please provide me a letter or something via e-mail that would guarantee the pay-to-delete offer before I make the first payment and all she did was transfer me to XXXX. He was rude acting like he owned the company/agency when I asked to talk to his superior and all he said there wasn't anyone else above him which I believe is a complete lie. I then tried to ignore the fact that he was extremely unprofessional as a debt collection agent and requested if he can still make an exception to the {$200.00} offer that had only passed 5 days and he didn't hesitate at all to say no! He then said {$6900.00} or nothing. I told him I didn't have that type of money in my bank account taken in consideration that I'm in debt with them I wouldn't be able to pay such a large amount. He didn't want to work with me at all and at one point he said if I can't wait that he had a call coming in when I know all he did was put me on hold/mute just to blow some steam off since it was only for 10 seconds or less. Overall, such an unprofessional staff what a joke they are. At the end he said Goodluck and hung up immediately.

Company response to consumer: Closed with explanation