vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 request that my record be corrected to show my on-time payments, as I have always been punctual. This error is frustrating given my consistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GA

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-01 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: LEXISNEXIS
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint due to repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by the Credit Reporting Agencies ( CRAs ) and furnishers reporting on my file. These entities are knowingly reporting inaccurate, incomplete, and unverifiable information that is damaging my creditworthiness and preventing me from obtaining financing. 

Violations & Issues : Reinsertion of Deleted Items Without Proper Notice Items have been reinserted into my report without proper verification or written notice as required under 15 USC 1681i ( a ) ( 5 ) ( B ). This is unlawful and has caused repeated damage to my file. 

Failure to Conduct a Reasonable Investigation Under 15 USC 1681i ( a ) ( b ) ( B ) ( iii ), CRAs must conduct a reasonable reinvestigation. Despite disputes, late payments and charge-offs came back verified without producing any documentation. These are inaccurate and invalid. 

No Proof of Original Creditor Agreement/ No Implied Consent For charge-off/collection accounts, the furnisher has not provided the original creditor agreement, first purchase history, or closing statement proving I agreed to the debt. Without this, there is no standing to report. No implied consent exists. 

Failure to Provide Negative Information Notice 15 USC 1681s-2 ( a ) ( 7 ) requires proper notice when negative information is furnished. No such notice was ever provided. 

Inaccurate Late Payment Reporting Payments were misapplied or mishandled in violation of 15 USC 1666b and 1666i. Reporting these as delinquencies is misleading and unlawful. 

Unlawful Inclusion of Excluded Information Under 15 USC 1681a ( 2 ), CRAs may not include transactions/experience data in a way that is misleading or damaging. This late payment data falls under that exclusion. 

Unlawful Furnishing and Liability Continued reporting of unverified and inaccurate data violates 15 USC 1681s-2 ( b ) ( 2 ). 

Liability for willful or negligent noncompliance applies under 15 USC 1681n & 1681o. 

Collections/ Charge-Off Accounts The furnisher has not produced : Bill of Sale Forward Flow Agreement Purchase Agreement Loan Sale Agreement Without this documentation, the debt can not be verified, and the furnisher has no standing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
My payment record is flawless, and I ask that the report be corrected to reflect this. It is frustrating to see such an error considering my consistent efforts.

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 2025-10-01 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: WA

Complaint narrative:
I am writing to EXPERIAN to formally dispute the inaccurate reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ), Washington State laws, and other federal regulations regarding the following accounts on my credit report. I believe there has been a violation of the FCRAs requirement for accurate, complete, and up-to-date reporting of credit information. Specifically, the data furnished by your company for the following accounts are inconsistent with both state and federal regulations : XXXX XXXX XXXX XXXX Account # XXXX This account was opened on XX/XX/XXXX, with a balance of {$8800.00}. The account is reported as revolving, open, and 150 days late. According to the FCRA and Washington State law, accounts should be accurately reported, especially regarding late payment status, account status, and balance. The balance reported is incorrect as I have disputed this previously, and your failure to correct the error constitutes a violation of my rights under both state and federal law. 

XXXX  XXXX XXXX Account # XXXX This account was opened on XX/XX/XXXX, with a balance of {$15000.00}. The account is reported as closed with a 180-day late status. This account has been inaccurately reported, and I question the accuracy of the 180-day late status. According to FCRA guidelines, all account statuses, especially late payment marks, must be reported correctly and updated regularly. This erroneous reporting negatively impacts my credit score and violates my rights. 

XXXX XXXX Account # XXXX This account was opened on XX/XX/XXXX, with a balance of {$9900.00}. The account is marked as charge-off, but there is no indication that the account was appropriately reported as such under Washington States consumer protection laws. The charge-off status and reporting date must be accurate and reflect the actual status of the account at the time, which is not currently the case. 

XXXX XXXX, XXXX. Account # XXXX This account was opened on XX/XX/XXXX, with a balance of {$20000.00}. This account is also inaccurately reported as a charge-off, which violates the FCRA 's requirement for reporting correct and timely account status information. The current report of this account significantly damages my credit standing, as I have not been notified of this status change and dispute its accuracy. 

These errors, which violate the FCRAs mandates on accuracy, completeness, and proper investigation of disputed information, have caused significant harm to my creditworthiness and are a direct violation of both Washington State consumer protection laws and federal law. I request immediate investigation into these discrepancies and prompt correction of these errors on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SOME ACCOUNTS THAT OPENED IN MY NAME WITHOUT MY PERMISSION

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 2025-10-01 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 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: NY

Complaint narrative:
On my credit reports with Experian and XXXX, there are two XXXX XXXX accounts that do not belong to me. One is listed as opened on XX/XX/2025, and the other as opened on XX/XX/2025. I did not open these accounts, nor did I authorize anyone else to open them. I have already disputed these accounts with Experian, but they remain on my reports and continue to show late payments and balances. This inaccurate reporting is negatively impacting my credit standing and needs to be corrected immediately.

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 2025-10-01 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This is my fifth attempt to resolve a collection account being reported by XXXX XXXX XXXX in the amount of {$590.00} ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I have repeatedly disputed this account and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX has failed to provide sufficient documentation proving that this debt is valid, that I am legally responsible for it, or that they have the legal right to collect it. 

As a result of my disputes, XXXX  and XXXX  have already deleted this account from my credit report, acknowledging that the information could not be verified. However, TransUnion continues to report this account as a derogatory item, despite the lack of proper validation and the fact that the other XXXX XXXX  bureaus have already removed it. 

This continued reporting without proper validation is inaccurate and harmful to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require XXXX XXXX XXXX to either provide proper validation of this alleged debt or remove this account entirely from TransUnion as well. 

XXXX  = deleted XXXX  = deleted TransUnion = still reporting

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