vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting this letter to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report. Upon a thorough review of my file, I have identified several items including my personal identifying information, account reporting, and an inquiry that are inaccurate or unverifiable. These inaccuracies misrepresent my true credit history and negatively affect my financial reputation, creditworthiness, and ability to access credit under fair and accurate terms. I am requesting that Equifax, Experian and TransUnion conduct a complete reinvestigation of the items listed below, verify the information directly with the furnishers, and update or correct all inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) requiring maximum possible accuracy, 611 ( 15 U.S.C. 1681i ) regarding reinvestigation of disputed information, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) regarding obsolete or misleading information, and 609 ( 15 U.S.C. 1681g ) regarding my right to obtain supporting documentation. 

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 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  The combination of inaccurate personal information, incorrectly reported late payments, and a potentially unverifiable inquiry represents a significant misrepresentation of my financial history. These errors have the potential to affect my ability to secure credit, result in unfair financial treatment, and create unnecessary confusion for lenders and other institutions. The persistence of these errors, despite my prior review of my credit report and previous disputes, is extremely frustrating.

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 2025-12-16 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: GA

Complaint narrative:
After obtaining copies of my credit reports from Equifax, Experian, and TransUnion in XX/XX/year>, I identified numerous inaccuracies, inconsistencies, and incomplete information being reported across all three bureaus. The same accounts are reported differently between the bureaus, including conflicting balances, payment histories, account statuses ( open vs. closed, current vs. delinquent ), and dates of first delinquency. In some instances, accounts are reported as charged off while simultaneously showing balances due or are listed as delinquent despite no accurate basis for continued negative reporting. However, I never received a Form 1099-C for any alleged cancellation of debt. If a debt was truly cancelled, the furnisher was required to issue a 1099-C and report the cancellation to the IRS. The absence of a 1099-C raises serious concerns about the accuracy and legal status of the reporting. A debt can not be simultaneously treated as cancelled for credit reporting purposes while continuing to be reported as owed or collectible. This contradictory reporting is misleading and inaccurate. Several accounts contain inaccurate late payments or derogatory marks that are overstated, unsupported, or misleading. Other negative items appear to be outdated, improperly re-aged, or continuing to update despite being beyond the allowable reporting period. I also observed duplicate or redundant reporting of the same debt under different creditor names or account variations, which falsely inflates my level of indebtedness. These inaccuracies materially harm my credit profile and indicate that the credit reporting companies are not maintaining reasonable procedures to ensure maximum possible accuracy. When disputes were previously submitted, the information was verified without meaningful investigation or adequate explanation, suggesting a failure to conduct a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
After obtaining copies of my credit reports from Equifax, Experian, and TransUnion in XX/XX/year>, I identified numerous inaccuracies, inconsistencies, and incomplete information being reported across all three bureaus. The same accounts are reported differently between the bureaus, including conflicting balances, payment histories, account statuses ( open vs. closed, current vs. delinquent ), and dates of first delinquency. In some instances, accounts are reported as charged off while simultaneously showing balances due or are listed as delinquent despite no accurate basis for continued negative reporting. However, I never received a Form 1099-C for any alleged cancellation of debt. If a debt was truly cancelled, the furnisher was required to issue a 1099-C and report the cancellation to the IRS. The absence of a 1099-C raises serious concerns about the accuracy and legal status of the reporting. A debt can not be simultaneously treated as cancelled for credit reporting purposes while continuing to be reported as owed or collectible. This contradictory reporting is misleading and inaccurate. Several accounts contain inaccurate late payments or derogatory marks that are overstated, unsupported, or misleading. Other negative items appear to be outdated, improperly re-aged, or continuing to update despite being beyond the allowable reporting period. I also observed duplicate or redundant reporting of the same debt under different creditor names or account variations, which falsely inflates my level of indebtedness. These inaccuracies materially harm my credit profile and indicate that the credit reporting companies are not maintaining reasonable procedures to ensure maximum possible accuracy. When disputes were previously submitted, the information was verified without meaningful investigation or adequate explanation, suggesting a failure to conduct a reasonable reinvestigation.

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 2025-12-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  XX/XX/year> -- {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Law firm sueing and multiple calls and letters should already be closed and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
Equifax is reporting an inaccurate and unverified collection account from XXXX XXXX XXXX XXXX I disputed this information because I never received proper notice, validation, or documentation of the alleged debt, and the amount being claimed is incorrect. This account is also part of an active legal dispute challenging its accuracy. 

Despite this, Equifax verified the account without providing any supporting validation or evidence. Their reinvestigation did not fix the error. 

On XX/XX/2025, the CFPB issued an enforcement action against Equifax for failing to properly investigate consumer disputes, ignoring documentation, and maintaining inaccurate information. My dispute appears to have been mishandled in the same way described in the CFPBs findings. 
I am requesting deletion of the unverified collection account and a lawful reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Experian, Equifax, and TransUnion each received repeated, verified identity-theft disputes from me that included FTC Identity Theft Reports, sworn affidavits, compromised-identifier clauses, valid-identifier declarations, proof of identity and address, and detailed Exhibit A schedules. Every Exhibit A explicitly identified the exact names, addresses, phone numbers, inquiries, and accounts that were the result of identity theft and demanded mandatory blocking and permanent deletion under 15 U.S.C. 1681c-2 ( a ). Each bureau had actual notice, repeated notice, and itemized notice of what constituted identity-theft information.

Despite this, all three bureaus engaged in sham investigations, unlawful reinvestigations, and post-notice reinsertion. Instead of performing the non-discretionary identity-theft block required by 1681c-2 ( a ), each bureau continued to publish identity-theft accounts, unauthorized inquiries, fraudulent addresses, and compromised personal identifiers. They repeatedly treated mandatory identity-theft block notices as routine disputes, reused the same breach-compromised identifiers to claim verification, and reinserted previously disputed data without lawful certification or notice. This conduct occurred after multiple submissions and after the four-business-day statutory deadline had expired. 

All three bureaus have suffered major data breaches that exposed my personal identifiers, and they continue to rely on those same compromised identifiers and breached vendors, including XXXX, to justify continued reporting. Once identifiers are compromised and identity theft is verified, none of the bureaus can lawfully verify, match, or reinvestigate any disputed data without violating the Fair Credit Reporting Act. Continued publication under these conditions is not an investigation failure ; it is knowing post-notice processing and monetization of identity-theft data. 

The systems used by Experian, Equifax, and TransUnion are structured to continue publishing fraudulent data despite verified identity theft because that data is profitable. They monetize my compromised identity through credit reports, scores, inquiries, and downstream products while refusing to honor mandatory 605B blocks. As a result, every aspect of my personal identity has been compromised, my privacy has been destroyed, and I continue to suffer ongoing financial, reputational, and security harm. Their conduct constitutes willful noncompliance under 15 U.S.C. 1681n, or at minimum reckless disregard and negligent noncompliance under 1681o, and mirrors conduct the CFPB has already identified as sham investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 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 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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed inaccurate information on my XXXX consumer report involving Midland Credit Management, a debt collector that purchased an alleged debt after my XXXX XXXX  bankruptcy was discharged with XXXX XXXX. Despite the discharge, Midland continues to report and attempt to collect a balance of {$620.00}, which is legally prohibited. Midland is also reporting fraudulent and inaccurate open contract dates for an account I never opened or consented to, constituting false representation of a debt. Experian failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i by relying solely on Midlands verification and not independently reviewing the bankruptcy discharge or resolving the legal inaccuracies. This conduct violates the Fair Credit Reporting Act, including 1681e ( b ) and 1681b, as well as the Fair Debt Collection Practices Act, 15 U.S.C. 1692e and 1692f, and continues to cause ongoing harm to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Chime Financial Inc
State: NC

Complaint narrative:
I filed a dispute regarding a fraudulent charge on my account after receiving a notification that an unknown merchant attempted to debit my funds. I immediately contacted Chime to report that I did not recognize the charge and was advised that I could not dispute it while it was pending. Once the charge posted, I promptly filed a dispute. 

Despite providing details and explaining that the merchant is unknown to me and has been reported by others as a scam on line, Chime failed to conduct a thorough investigation. They denied the claim I filled with them. I was instead asked to provide a police report to prove my physical location, even though the charge was clearly unauthorized and not made by me. 

Consequently, I filed a police report with my town to let this be documented. 

As a result, my funds were removed, leaving me unable to cover important and time-sensitive expenses. This situation occurred through no fault of my own, yet Chime has allowed an apparent scammer to access my account without accountability. 

Due to the poor handling of this matter, lack of support, and financial hardship caused, I no longer feel confident banking with Chime and intend to close my account once this issue is resolved. I am filing this report to formally document the incident and to request the immediate return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 submitting my XXXX follow-up dispute regarding multiple inaccurate, misleading, and unverifiable entries on my credit reports with Experian, Equifax, and TransUnion, and I am formally demanding their complete removal. 
On Experian, my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reported as late closed with a {$0.00} balance, and XXXX XXXX XXXX also shows a {$0.00} balance despite being inaccurately reported. Additionally, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported as charge-offs with a {$0.00} balance, which is patently false and unverifiable. These reporting errors violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as the information is not reported with maximum possible accuracy. 
On Equifax, the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is again reported inaccurately as late closed, and there are multiple erroneous inquiries, including XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, none of which are authorized or verifiable. These inaccuracies misrepresent my credit behavior and violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2. 
On TransUnion, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as late closed with a {$0.00} balance, and there are multiple unauthorized inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These inquiries are impermissible under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The continued reporting of these unverifiable accounts and inquiries has already caused and continues to cause harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am submitting my XXXX follow-up dispute regarding multiple inaccurate, misleading, and unverifiable entries on my credit reports with Experian, Equifax, and TransUnion, and I am formally demanding their complete removal. 
On Experian, my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reported as late closed with a {$0.00} balance, and XXXX XXXX XXXX also shows a {$0.00} balance despite being inaccurately reported. Additionally, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported as charge-offs with a {$0.00} balance, which is patently false and unverifiable. These reporting errors violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as the information is not reported with maximum possible accuracy. 
On Equifax, the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is again reported inaccurately as late closed, and there are multiple erroneous inquiries, including XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, none of which are authorized or verifiable. These inaccuracies misrepresent my credit behavior and violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2. 
On TransUnion, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as late closed with a {$0.00} balance, and there are multiple unauthorized inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These inquiries are impermissible under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The continued reporting of these unverifiable accounts and inquiries has already caused and continues to cause harm to my creditworthiness.

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 2025-12-16 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: NE

Complaint narrative:
I am a victim of identity theft. I discovered that XXXX ( XXXX ) loan accounts were fraudulently opened in my name with XXXX, without my knowledge or authorization. I never applied for, approved, or benefited from any of these accounts. 

After noticing these accounts on my credit report, I contacted XXXX fraud department and reported the identity theft. I requested a full investigation, written confirmation that the accounts were not authorized by me, and removal of all fraudulent accounts from my credit report. 

Despite reporting the fraud and cooperating with the company, the fraudulent accounts remain on my credit report, and I have not received proper confirmation or resolution. These inaccurate accounts are negatively affecting my credit and financial standing. 

I am requesting that XXXX immediately remove all XXXX fraudulent accounts, confirm in writing that they were unauthorized, and correct all credit reporting related to this identity theft.

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 2025-12-16 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: NE

Complaint narrative:
I am a victim of identity theft. I discovered that seven ( 7 ) loan accounts were fraudulently opened in my name with XXXX, without my knowledge or authorization. I never applied for, approved, or benefited from any of these accounts. 

After noticing these accounts on my credit report, I contacted Upgrades fraud department and reported the identity theft. I requested a full investigation, written confirmation that the accounts were not authorized by me, and removal of all fraudulent accounts from my credit report. 

Despite reporting the fraud and cooperating with the company, the fraudulent accounts remain on my credit report, and I have not received proper confirmation or resolution. These inaccurate accounts are negatively affecting my credit and financial standing. 

I am requesting that XXXX immediately remove all seven fraudulent accounts, confirm in writing that they were unauthorized, and correct all credit reporting related to this identity theft.

Company response to consumer: Closed with explanation