vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Formal Complaint Regarding Experians Failure to Remove Unauthorized Credit Inquiries To : Consumer Financial Protection Bureau ( CFPB )/ Federal Trade Commission ( FTC ) I am filing this complaint against Experian for repeated failure to investigate and remove unauthorized credit inquiries from my credit report. Despite multiple attempts to resolve this matter directly with Experian, they have continually requested sensitive personal information ( including my Social Security Number, Drivers License, and other private documents ) without taking any meaningful action to address the issue.

Experian has been subject to multiple data breaches, and I have maintained zero inquiries across all agencies for the past 12 years. However, Experian refuses to remove these unauthorized inquiries, which is damaging my credit score and causing banks to decline my applicationseven on soft pullsdue to the excessive number of inquiries.

I have already reported this matter to both the CFPB and FTC, and I am requesting immediate intervention to ensure compliance and consumer protection. 

Unauthorized Inquiries to Be Removed Immediately : XXXX XXXX XX/XX/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 XX/XX/XXXX These inquiries were not authorized by me and must be removed immediately. 

Actions Taken by Me : I have frozen my accounts and implemented enhanced security measures to prevent any further hard or soft pulls. 
I have repeatedly contacted Experian and provided all requested documentation, yet they refuse to investigate or remove these inquiries. Impact on Me : My credit score has been negatively affected.

Banks and lenders are declining applications based on soft pulls due to the number of inquiries.

Experians failure to act is causing financial harm and violating my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-13 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: RI

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains inaccurate and potentially duplicative information. There are accounts listed as charged off with XXXX balances, which indicates they may not be valid charge-offs. In addition, there are late payments being reported that I do not believe are accurate. I am requesting that TransUnion conduct a full reinvestigation to verify each disputed account and provide me with the results in writing. If these furnishers can not substantiate their reporting with proper documentation, the accounts should be corrected or deleted in compliance with FCRA XXXX. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$0.00} These accounts are listed as charged off but show {$0.00} balances, which suggests a potential reporting error. I request full verification or removal. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 filing this complaint because XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion have willfully and negligently violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

In early XX/XX/XXXX, XXXX XXXX XXXX falsely reported that my account ending in XXXX was XXXX and XX/XX/XXXX days late. These alleged delinquencies are completely inaccurate and stem from XX/XX/XXXXfailure to comply with TILA 1666 ( b ), which requires that billing statements be mailed or delivered at least 21 days before the payment due date. XXXX never provided any proof that such statements were sent or that my payment was delinquent. 

This same account was already the subject of my prior CFPB complaint # XXXX, in which XXXX XXXX XXXX was found to have billing errors. Despite that investigation, the exact same false delinquencies have been reinserted into my credit reports without certification or written notice, directly violating FCRA 611 ( a ) ( 5 ) ( B ).

Under FCRA 623 ( b ) and 611 ( a ) ( 5 ), both the furnisher ( XX/XX/XXXX) and the credit bureaus are required to permanently delete or correct inaccurate information once it has been disputed and verified as erroneous. Instead, all three bureaus are currently re-publishing derogatory data that they already know is false, misleading, and unverifiable. 

XXXX and the bureaus have further violated the Metro 2 reporting standards by using the wrong payment status codes. For a current account that is paid on time, the correct code is XXXX Pays as Agreed. Instead, XXXX and the bureaus are using delinquency codes ( XXXX and XXXX ), which are inconsistent across all three reports and create a false narrative of payment default. These mismatched codes show clear noncompliance with Metro 2 data integrity requirements.

This situation has caused me financial harm, emotional distress, and reputational damage. I rely on my credit report for housing and employment opportunities, and these fabricated delinquencies have directly impacted my ability to secure favorable terms. The repeated reinsertion of data that was already proven inaccurate demonstrates reckless disregard for federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: 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 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 2025-11-13 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 a consumer seeking to fix my credit and have identified several discrepancies and inaccurate information on my credit reports. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the disputed accounts and inquiries listed below. I request that the bureaus and creditors investigate and rectify these errors to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$270.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-13 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 am filing this complaint because [ Experian XXXX XXXX XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt I was a victim of XXXX  and XXXX  XXXX BREACH. ALSO because I believe you have me confused with a different person I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; XXXX. Documentation showing you are licensed to collect debts in XXXX XXXX. 
Because I am writing you within XXXX  days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting inaccurate and inconsistent information being furnished by XXXX XXXX XXXX on my credit reports. The account in question appears with different and conflicting details on the reports from Experian, TransUnion, and Equifax. 

Account information ( for reference ) : Creditor : XXXX XXXXXXXX XXXX Account Number ( partial ) : XXXX Type : Auto Loan Reported Balance : approximately {$11000.00} Date Opened : XX/XX/year> Issues observed : The balance and charge-off information do not match between the credit bureaus. 
The status is listed as a charge-off, redeemed repossession, or charged off as bad debt, depending on the report. 
Some reports are missing the original balance or complete payment history. 
There is no clear documentation showing how the data was verified after I filed disputes with the credit bureaus. 

I have already submitted disputes directly to the credit bureaus, but each one verified the account without explaining how it was verified or providing supporting documentation. Because of these discrepancies, I believe the information being reported is incomplete or inaccurate and is negatively affecting my credit standing. 

I am requesting that the CFPB ensure : 1. XXXX XXXX XXXX reviews and confirms all data they are furnishing to the credit bureaus for accuracy and completeness. 
2. The credit bureaus correct or remove any inaccurate or unverifiable information. 
3. I receive written confirmation of the actions taken and an updated copy of my credit reports once the investigation is complete.

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 2025-11-13 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: TX

Complaint narrative:
I am reporting inaccurate and inconsistent information being furnished by XXXX XXXX XXXX on my credit reports. The account in question appears with different and conflicting details on the reports from Experian, TransUnion, and Equifax. 

Account information ( for reference ) : Creditor : XXXX XXXXXXXX XXXX Account Number ( partial ) : XXXX Type : Auto Loan Reported Balance : approximately {$11000.00} Date Opened : XX/XX/year> Issues observed : The balance and charge-off information do not match between the credit bureaus. 
The status is listed as a charge-off, redeemed repossession, or charged off as bad debt, depending on the report. 
Some reports are missing the original balance or complete payment history. 
There is no clear documentation showing how the data was verified after I filed disputes with the credit bureaus. 

I have already submitted disputes directly to the credit bureaus, but each one verified the account without explaining how it was verified or providing supporting documentation. Because of these discrepancies, I believe the information being reported is incomplete or inaccurate and is negatively affecting my credit standing. 

I am requesting that the CFPB ensure : 1. XXXX XXXX XXXX reviews and confirms all data they are furnishing to the credit bureaus for accuracy and completeness. 
2. The credit bureaus correct or remove any inaccurate or unverifiable information. 
3. I receive written confirmation of the actions taken and an updated copy of my credit reports once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 filing this complaint because there are accounts being reported on my Equifax credit report that appear to be inaccurate, incomplete, or unverifiable. 

Charged-Off Accounts in Dispute : XXXX XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX , Account ending in XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$3000.00} I am requesting that Equifax conduct a full reinvestigation into these accounts to confirm their accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If the furnishers can not verify the debt with proper documentation, I request that Equifax delete or correct the items accordingly. 

There are no inquiry disputes with Equifax at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Please review this entry ; it seems delayed and may contain an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX, a BSI representative called me after XXXX p.m. XXXX stating they had documentation showing delinquent XXXX  fees and requested proof that I have paid my fees. 

This information is FALSE. My XXXX XXXX XXXX XXXX XXXX, managed through XXXX XXXX ) shows a XXXX balance and no payment due until XX/XX/XXXX. 

When I asked BSI for the source of this claim, the representative could not identify the XXXX, amount, or documentation source, and promised a follow-up that has not occurred. 

I've spent over XXXX minutes speaking with at least XXXX customer service representatives. XXXX of them promised to do research and call me back with the information I requested. Today is XXXX XXXX, I have not received a follow-up call from any representative. 

This pattern demonstrates that BSI continues to act on unverified or inaccurate data, fails to maintain proper records, and communicates misleading information to consumersdespite a prior CFPB consent order in XXXX directing the company to correct similar systemic issues.

Company response to consumer: Closed with explanation