vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
I am filing this formal complaint against Experian for knowingly and willfully reporting inaccurate and derogatory information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Despite prior disputes, Experian has continued to report erroneous data which is causing severe harm to my credit profile and overall financial well-being.

I have disputed the following account in accordance with FCRA 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ). However, no reasonable investigation was conducted, and the inaccurate information remains. 
Disputed Account : XXXX  XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/2021 Status : Charge Off Issue : Experian is reporting this account as a charge-off, which is both inaccurate and misleading. I requested proper validation of the debt and supporting documentation to justify the reporting of this account as a charge-off. To date, no such validation has been provided, which constitutes non-compliance with 15 U.S. Code 1681i and 1681s-2 ( b ).

Additionally, the account is not my responsibility, and I suspect identity theft or reporting error. I have not received any billing statements, notices of default, or proper documentation from XXXX XXXX or Experian to support the negative status. 
Applicable Laws Violated : 1. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after dispute.

2. 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

3. 15 U.S. Code 1681s-2 ( b ) Failure of data furnishers to investigate and correct inaccuracies when notified.

4. 15 U.S. Code 1681g and 1681h Failure to provide proper documentation and disclosures.

5. FCRA Section 609 ( 15 USC 1681g ) Failure to provide full file disclosure and source of information when requested.

Harm Caused : Due to Experians negligence in correcting this error : I have been denied credit opportunities. 
My interest rates have significantly increased. 
I am facing emotional and financial distress due to repeated rejections from creditors. 
This charge-off is affecting my employment screening and rental applications. 
Relief Requested : I am demanding the immediate deletion of the XXXX  XXXX account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my Experian credit report due to : Lack of verification. 
Failure to investigate. 
Violation of multiple provisions of the FCRA. 
Additionally, I request that CFPB investigate Experians practices related to this matter and ensure compliance with all federal consumer protection laws.

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 2025-06-20 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} Date Opened:XXXX 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Equifax Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 consumer reporting agency has violated multiple parts the fair credit reporting act thus violating me the consumer. I've had this previous issue with this company over 2 years ago. They removed everything and are now resorting to old unlawful tactics again.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, Section 602 ( a ), it is recognized that consumer reporting agencies must uphold their significant duties with fairness, impartiality, and respect for consumer privacy rights. As a consumer, my rights are protected under 15 U.S.C. 6801, which mandates that financial institutions, including entities furnishing information to credit agencies, have a continuous obligation to safeguard the confidentiality and security of my nonpublic personal information. Equifax and Experian, as consumer reporting agencies, and any furnishers of information to these agencies, fall under this definition.Per 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only provide a consumer report with my explicit written consent, which neither Equifax, Experian, nor any furnisher of information has obtained. I hereby revoke any prior consentwhether verbal, written, implied, or otherwisegiven to Equifax, Experian, or any furnisher of information to share my personal data.Furthermore, 15 U.S.C. 6802 ( b ) and ( c ) stipulate that a financial institution must inform me of my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. No such notification was provided by any furnisher of information, violating this provision. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information, other than criminal convictions, in a consumer report if it is older than seven years, unless authorized under subsection ( b ). The adverse item currently reported by Equifax and Experian lacks my authorization and violates this statute.Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from providing inaccurate information to consumer reporting agencies if they know or have reason to believe it is inaccurate. Equifax and Experian are also required, per 15 U.S.C. 1681e, to implement reasonable procedures to prevent violations of 1681c and ensure consumer reports are used only for permissible purposes outlined in 1681b. Both agencies have failed to maintain such procedures.Finally, pursuant to 12 C.F.R. 1016.7, I am exercising my right to opt out of your reporting services at this time.

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 2025-06-20 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:
This consumer reporting agency has violated multiple parts the fair credit reporting act thus violating me the consumer. I've had this previous issue with this company over 2 years ago. They removed everything and are now resorting to old unlawful tactics again.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, Section 602 ( a ), it is recognized that consumer reporting agencies must uphold their significant duties with fairness, impartiality, and respect for consumer privacy rights. As a consumer, my rights are protected under 15 U.S.C. 6801, which mandates that financial institutions, including entities furnishing information to credit agencies, have a continuous obligation to safeguard the confidentiality and security of my nonpublic personal information. Equifax and Experian, as consumer reporting agencies, and any furnishers of information to these agencies, fall under this definition.Per 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only provide a consumer report with my explicit written consent, which neither Equifax, Experian, nor any furnisher of information has obtained. I hereby revoke any prior consentwhether verbal, written, implied, or otherwisegiven to Equifax, Experian, or any furnisher of information to share my personal data.Furthermore, 15 U.S.C. 6802 ( b ) and ( c ) stipulate that a financial institution must inform me of my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. No such notification was provided by any furnisher of information, violating this provision. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information, other than criminal convictions, in a consumer report if it is older than seven years, unless authorized under subsection ( b ). The adverse item currently reported by Equifax and Experian lacks my authorization and violates this statute.Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from providing inaccurate information to consumer reporting agencies if they know or have reason to believe it is inaccurate. Equifax and Experian are also required, per 15 U.S.C. 1681e, to implement reasonable procedures to prevent violations of 1681c and ensure consumer reports are used only for permissible purposes outlined in 1681b. Both agencies have failed to maintain such procedures.Finally, pursuant to 12 C.F.R. 1016.7, I am exercising my right to opt out of your reporting services at this time.

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 2025-06-20 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Subject : Cease and Desist Request for Removal of Unauthorized or Excessive Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and request the removal of XXXX inquiries & XXXX hard inquiries currently appearing on my credit report. These inquiries are either unauthorized, excessive, or were not initiated with my consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

According to FCRA 1681b ( c ), no entity may obtain a consumer report or initiate a hard inquiry unless it is done with the consumers explicit authorization and for a permissible purpose such as a credit application, rental agreement, or other valid transaction. I have not authorized such a high number of hard inquiries, and many of these entries have appeared without my knowledge, consent, or legitimate business purpose.

As a result, I am formally demanding that you : 1. Cease and desist from further sharing or distributing my consumer report without my explicit written consent.

2. Immediately remove all unauthorized or excessive hard inquiries from my credit report.

3. Provide me with a detailed list of each entity that requested access to my credit file, including the purpose of the inquiry, the date, and a copy of any documentation you have on file showing my consent.

4. Confirm that you have completed this action in writing within 30 days, as required under federal law.

These inquiries are negatively impacting my credit score and misrepresent my financial behavior. Failure to remove unauthorized inquiries or respond within the legal timeframe may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially legal action for willful noncompliance with FCRA obligations. 

This letter is sent via certified mail with return receipt requested to maintain a documented record of this dispute and request. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these unauthorized inquiries within 30 days. 

Sincerely, 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 explanation
Consumer complaint received 2025-06-20 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: MD

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-20 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Should your agency be unable to produce valid evidence supporting the accuracy of the reported debt, I am formally requesting, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ) Compliance Procedures, that you provide documentation verifying the information 's completeness, accuracy, and relevance. If such documentation can not be provided, I respectfully request the immediate removal of all inaccurate or unverifiable information from my credit file. 

Alternatively, you may elect to reopen the dispute and conduct a thorough reinvestigation to ensure full compliance with all applicable provisions of the FCRA.

Failure to comply with this request or to provide substantiating documentation may result in your agency being held liable under 15 U.S. Code 1681n and 1681o, which address civil liability for willful or negligent noncompliance. Please be advised that I am prepared to pursue legal remedies if necessary. 

I respectfully request a timely response, including a clear explanation of the steps your agency will take to address and resolve this matter. If I do not receive a response within the required timeframe, I will exercise my legal rights under the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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