vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear EquifaxXXXX XXXX, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


XXXX XXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment. 
4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Yes a debt collection appears on my credit from XXXX XXXX. I requested from Experian to verify the debt and provide documentation that shows the debt is mine. They did not do either. No real investigation was conducted. There is many errors with the report. I have never signed any documents with this company or entered into any agreement with them. They are listed on my credit report with them listed as original creditor. I have asked repeatedly for proof that I owe this debt and nothing has been provided. Experian has violated my rights many times. And I requested that the item be removed from my 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 2025-06-09 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is supposed to be off of my credit. I am going to sue you if you do not remove this. My last payment on this account was XX/XX/year>.

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 2025-06-09 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: PA

Complaint narrative:
I am filing this complaint against Experian regarding an account reported by XXXX XXXX XXXX ( Account # ending in XXXX ). I won a court judgment against XXXX XXXX XXXX, and the case was dismissed in my favor. Despite this, Experian continues to report this collection account on my credit report. 

I formally disputed this account with Experian and requested a Method of Verification under the Fair Credit Reporting Act ( FCRA ), but they failed to provide any documentation or explanation showing how the account was verified. Instead, they responded stating the item was " verified as accurate, '' without any supporting evidence. 

This is a direct violation of my rights under 15 U.S. Code 1681i which requires the consumer reporting agency to conduct a reasonable reinvestigation and provide the consumer with the procedure used to verify the information.

I am requesting that the CFPB intervene and require Experian to : 1. Permanently delete the XXXX XXXX XXXX account from my credit report. 


2. Provide the full method of verification they used to continue reporting this account after my court win.

3. Take enforcement action for their repeated violations of the 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: KY

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and fraudulent information being reported on my credit files by TransUnion, Experian, and Equifax. Despite my repeated disputes and demands for proper investigation, these credit bureaus continue to report several accounts as verified without providing adequate proof or conducting thorough investigations as required under the Fair Credit Reporting Act ( FCRA ). 

The following accounts have been repeatedly disputed as fraudulent and unauthorized, yet they remain on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never opened or authorized these accounts. Their presence on my credit report is causing me significant financial and emotional harm. The credit reporting agencies have failed in their duty to reasonably investigate the legitimacy of these accounts, even after being provided with detailed dispute information.

Under Section 605B of the FCRA and related federal laws regarding identity theft and credit fraud, I am requesting that these fraudulent accounts be permanently removed and blocked from all of my credit files. These agencies are in violation of their legal obligations by continuing to report inaccurate and fraudulent information after being formally notified. 

I respectfully request that the CFPB take immediate action to hold these credit bureaus accountable and ensure that these fraudulent accounts are removed in accordance 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 2025-06-09 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: TN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX & 2025 that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 USC 1681 s2a, furnishers must report accurate information under 15 USC 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither one of them have provided sufficient evidence to support the negative 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX & 2025 that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 USC 1681 s2a, furnishers must report accurate information under 15 USC 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither one of them have provided sufficient evidence to support the negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I requested that Consumer Portfolio Services provide documented proof of permissible purposes pursuant to 15 U.S.C 1681b ( f ) for the inquiry that appeared on my consumer report, including a signed authorization of application and a statement verifying the lawful basis for accessing my credit file. I gave them 15 days to respond which they failed to do. Only after the inquiry was deleted did they send a response, and they still did not provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
I am writing to formally dispute several inaccurate entries and unauthorized accounts that have appeared on my credit report. Upon careful review of my credit file, I have identified multiple discrepancies that require immediate investigation and correction. 

The presence of these erroneous items has significantly impacted my creditworthiness and has caused substantial detriment to my financial standing. These inaccuracies have adversely affected my ability to secure favorable lending terms and have caused considerable harm to my overall credit profile.

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 2025-06-09 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: MI

Complaint narrative:
I am writing to formally dispute several inaccurate entries and unauthorized accounts that have appeared on my credit report. Upon careful review of my credit file, I have identified multiple discrepancies that require immediate investigation and correction. 

The presence of these erroneous items has significantly impacted my creditworthiness and has caused substantial detriment to my financial standing. These inaccuracies have adversely affected my ability to secure favorable lending terms and have caused considerable harm to my overall credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 am a victim of fraud. I have been fighting with the three credit bureaus for years. Recently, I have gone on to do a police report and fraud affidavit and disputed several accounts with all three bureaus. To their credit, they deleted a majority of the items I requested them to delete such as collections, fake names, addresses, and unsolicited inquiries. To my dismay, however, they refuse to remove the most important accounts. The XXXX credit cards which are not mine, I have never opened or have ever used. 

We are on month XXXX of the bureaus doing everything but removing those accounts. I am at the point where I don't have much left to do but file this complaint or sue. I have chosen to file a complaint. If this does not work, then I will have no more recourse other than to sue. I hope the bureaus take this matter seriously as I have little patience left.

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 2025-06-09 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:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


XXXX XXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation. 

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to obtain a full investigation of this account.

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 2025-06-09 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXX XXXXXXXX Balance {$0.00} XXXX & T XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief