vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I found an inaccurate negative item on my credit report. 
I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a hard inquiry on my credit report made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a hard inquiry may only be listed on a consumers credit report if it was authorized by the consumer in connection with a legitimate credit transaction. 

I have no knowledge of this inquiry, nor did I provide written authorization to XXXX to access my credit report. As such, I am requesting that this inquiry be immediately removed from my credit profile. 

Under FCRA Section 609 ( a ) ( 1 ), I am also requesting all records and documentation, including a signed application or written authorization, that was used to verify this inquiry was permissible. 

If such verification can not be provided, this inquiry must be removed permanently from my credit file, and I request written confirmation of its deletion. Re-listing this item without proper investigation or proof would constitute a willful violation of the FCRA and I will take further action if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX RE : Request for Investigation under Section 609 of the FCRA To Whom It May Concern, I am writing to formally request, under Section 609 of the Fair Credit Reporting Act, full disclosure and verification of the following account ( s ) that appear on my credit report. I request that you provide me with a copy of any signed contracts or legal documents bearing my signature that you used to verify the following account ( XXXX ) : XXXX. XXXX XXXX : XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX 

Date Opened : XX/XX/XXXX Current Status : Charged off {$610.00} written off Date of Dispute Filing : XX/XX/XXXXXXXX  Credit Limit : {$400.00} High Balance : {$610.00} If you are unable to verify this information with valid documentation, I respectfully request that the inaccurate items be * * removed * * from my credit report. 

I have included the following documents for identity verification : - A copy of my government-issued ID - A recent utility bill for address verification - A copy of my Social Security card Please respond to this request within 30 days as required by federal law. 

This account is a result of identity theft, and I have never opened nor authorized any account with XXXX XXXX XXXX. I disputed this information with the credit bureaus and the furnisher ( XXXX XXXX XXXX  ), and while the credit bureaus updated the record with a note of my dispute, the account still remains on my report as charged off. Inaccurate full name, and address I notified XXXX XXXX XXXX requesting deletion of the fraudulent tradeline under FCRA Section 605B Remove the fraudulent account from all credit reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of ID - Copy of utility bill - Copy of SSN verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a debt collector representing Synchrony Bank in a lawsuit against me ( XXXX XXXX. XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by using a non-lawyer to act as a legal representative and making false statements. XXXX XXXX, listed as XXXX XXXX XXXX contact on the lawsuit papers, isnt a licensed attorney in Kansas, as confirmed by the Kansas Bar Association ( Exhibit H ). By presenting XXXX as their contact, XXXX XXXX XXXX made it seem like he was an attorney, which I believe is impersonating a lawyer and violates 15 U.S.C. 1692e. On XX/XX/year>, XXXX & XXXX responded to my prior CFPB complaint ( ID : XXXX ) and sent a separate email, both falsely claiming I do not dispute the debt, even though I disputed it on XX/XX/year>, and in my court filings on XX/XX/year> ( Exhibits B, C, E ). This misrepresentation violates 15 U.S.C. 1692e ( XXXX ). On XX/XX/year>, at XXXX PM XXXX, XXXX XXXX from XXXX XXXX XXXX  emailed me saying the documents I requested on XX/XX/XXXX to validate the debt are much too large to send by email and will be mailed, so I wont get them before my hearing on XX/XX/year> ( Exhibit I ). This delay violates 15 U.S.C. 1692g ( b ) and makes it harder for me to defend myself. XXXX XXXX XXXX  actions have caused me a lot of stress and financial hardshipIve had to take time off work and spend money fighting this lawsuit, and their lies and delays are making it worse. Im worried theyll keep doing this if theyre not stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. Enclosed are a list of the disputed items and my Identity Theft Report filed with the FTC. 

Please investigate and remove these items promptly, and send written confirmation once the corrections are made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4500.00}, An online transfer was also made the next day the amount is unsure but the claim numbers are XXXX XXXX and # XXXX. They where made aware of the fact that a Wells Fargo bank inpersonate reached out to me claiming, he was a representative from Wells Fargo, the number on my Caller Id was from Wells Fargo also I was told did I attempt to to make these purchases I stated now I was told to click a link to verify and thats how my account was compromised. I corporates fully gave the number that called me the time and date. They did an internal investigation and denied my claims stating even after I informed them I had a police report a Identy theft report, and more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as i did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX for Deceptive Billing and Undelivered Paid Services To Whom It May Concern, I am submitting this complaint against XXXX XXXX  ( formerly JPay ) regarding its practice of charging me for photo uploads intended for an inmate, while failing to deliver those images or issue any refund. 

Between XXXX and XX/XX/year>, I submitted several paid image attachments through the Securus platform to XXXX XXXX XXXX ( DC # XXXX ) at XXXX XXXX XXXX. These images contained legal documents essential for a pending post-conviction filing. Despite successful upload and billing, the images were deleted or blocked, and I received no refund or explanation. 

Shockingly, when I tested the system, I found that XXXX explicit or non-legal images were permitted. This raises serious questions about the companys practices, policies, and inconsistent content moderation. 

I am requesting : XXXX. A refund of all image upload fees related to blocked/deleted legal materials. 
XXXX. A copy of Securuss content and refund policy. 
XXXX. An investigation into its billing practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of an account being reported by XXXX XXXX on my TransUnion credit file. The information listed is incorrect and potentially misleading. Below are the account details : - Creditor : 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 Here are the specific issues I am disputing : 1. * * Missing Payment History Details * * : The account shows no " Date of Last Payment, '' which is a critical field for validating the debts accuracy and age.

2. * * Contradictory Status * * : The account is marked as both Charged off as bad debt and Collection/Chargeoff simultaneously. These terms describe distinct phases in the debt cycle and should not both apply.

3. * * Balance Discrepancy * * : The account is reported as Charged off, which generally means the creditor has written off the debt. Yet, it still shows a full past due balance of {$240.00}, which could be inaccurate or misleading.

4. * * Comment Field Issue * * : The comment says Dispute resolved ; reported by grantor, but the derogatory status remains. If the dispute was resolved, the outcome and supporting evidence should be included.

5. * * No Payment Activity Shown * * : The monthly payment is listed as {$0.00} with no valid explanation or history of attempts to collect, making it appear improperly maintained or stagnant. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated and either corrected or removed if the furnisher can not provide complete and verifiable information. Please notify me of the results of your investigation. 

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