vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you. 

SEE ATTACHMENTS

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 2025-08-12 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been working on my credit score for 4 years I don't have any late payments, any collection balances, or anything, and my credit usage is between 19 % to 25 %. 
Two times this year my credit score decreased 1st time XXXX points. XXXX2025 2nd time XXXX point. XXXX/2025 Without any clarification from the credit score companies, I reached out to them, and I received no information, just advice and pushing me to work with a Credit score financial advisor. At the end of one of the calls, they advertised for some Financial advisors working with them. 
I requested a hard copy of my credit score report, but I'm not clear why my credit score decreased twice, a total of XXXX points, especially when my score reached XXXX. 


TransUnion, Equifax, and FICO scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am disputing XXXX  XXXX result for a XXXX XXXX collection tradeline and requesting deletion or a reinvestigation with method-of-verification. 

Experian Report XXXX XXXX XXXXXXXX ( dated XX/XX/XXXX ) Furnisher : XXXX XXXX Partial acct : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Reported balance : {$10000.00} Recent payment : {$250.00} as of XX/XX/XXXX Problems : Internal inconsistency : Experian displays a recent payment dated XX/XX/XXXX even though the account Date opened is XX/XX/XXXX. A payment can not predate the account by XXXX years. 
Experian Verified and Updated without addressing this discrepancy, which shows the reinvestigation was not reasonable under XXXX XXXX. XXXX. 
The item also lacks contact info ( no phone ) and reports a past-due equal to the full balance with no support.

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 2025-08-12 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:
Complaint AgainsXXXX Equifax Failure to Allow Online Dispute of Fraudulent Inquiry I am filing this complaint because Equifax does not provide the option to dispute fraudulent credit inquiries on my consumer report through its online dispute portal. I have attempted to use the online system, but there is no available function for disputing inquiries. As a result, I am submitting this complaint to the Consumer Financial Protection Bureau to initiate a formal dispute of the following item. 

Disputed Unauthorized Inquiry ( Equifax ) : XXXX XXXX Bank XXXX XX/XX/year> I have never applied for credit with this company, nor have I authorized them to access my credit file. This inquiry is the result of identity theft and is inaccurate. 

I have completed the Identity Theft Affidavit from the Federal Trade Commission with the assistance of FTC employees, and I have attached it to this complaint along with : A copy of my government-issued photo ID Proof of my current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: LCI Acquisition Inc.
State: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CBC Companies, Inc.
State: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXXDEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXXDEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXXDEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX, XXXX/DEPT OF ED XXXX which XXXX/DEPT OF ED confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had my XXXX  account hacked and shut down by XXXX but was billed XXXX for a hammer from XXXX ( the shipping alone cost more than the hammer ) I never purchased this and TD Bank would not assist me. I escalated the issue and XXXX will not even let me return the item bc it showed up at my house, but XXXX shut my account down, so now I am at a lose on both ends and no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am writing to dispute a charge off account on my credit report. The account is listed without an account number, which makes it impossible for me to verify its validity or confirm it even belongs to me as matter I ask that you also review the payment history associated with this account without a valid account number or accurate payment history. I am unable to have confidence in the accuracy of this alleged account. Please contact her thorough investigation and remove the account immediately. Please be advised that I am contacting you the CFPB because of stall tactics they XXXX try to buy themselves time, I trust do you understand the seriousness of this matter, as it is directly impacted my ability to qualify for credit, which is causing further damage to my financial well-being

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 writing to dispute a charge off account on my credit report. The account is listed without an account number, which makes it impossible for me to verify its validity or confirm it even belongs to me as matter I ask that you also review the payment history associated with this account without a valid account number or accurate payment history. I am unable to have confidence in the accuracy of this alleged account. Please contact her thorough investigation and remove the account immediately. Please be advised that I am contacting you the CFPB because of stall tactics they XXXX try to buy themselves time, I trust do you understand the seriousness of this matter, as it is directly impacted my ability to qualify for credit, which is causing further damage to my financial well-being

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 2025-08-12 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I requested to cancel my platinum and cash preferred cards one day before the next billing dates for annual fees. I was refused. This grossly violates my basic right. As a customer, I have every right to ask the credit card company not to charge me the next annual fees and cancel my card on those dates. I expressly asked AmEx to not charge me, expressly said I do not authorize the next annual fees, yet they declined such a basic request. That's astonishing. I would appreciate CFPD looking into this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Failure to provide method of Verification- FCRA & 611 Violation.

I am writing in response to your handing of my dispute regarding the above-referenced account. Your own records and correspondence establish the following : Timeline of events : XX/XX/year> - I submitted a written dispute to TransUnion regarding this account. 
XX/XX/year> - I filed a complaint with the CFPB ( XXXX XXXX. XXXX XXXX ) regarding your failure to responded within the 30-day time frame mandated by FCRA & 611 ( a ) ( 1 ) ( A ). 
XX/XX/year> - you responded to the CFPB stating the dispute was Closed with Non-Monetary Relief and that an investigation had been completed. 
XX/XX/year> - You sent me a letter claiming the account was 'verified as accurate. 
Despite these claims, you have never provided the legally required ' Method of Verification ' under FCRA & 611 ( a ) ( 6 ) ( B ) ( iii ) and & 611 ( a ) ( 7 ), which must include : 1. The name, address, and telephone number of each furnisher you contacted to verify the account.

2. A description or copy of each document reviewed during the verification.

3.The date ( s ) and method ( s ) used to conduct the verification. 
Your failure to provide this information constitutes a violation of federal law. If you can not provide complete documentation proving the accuracy and completeness of this account you are required under FCRA & 611 ( A ) ( 5 ) ( A ) to delete it from my credit file immediately.

Enclosures : Copy of my original XXXX dispute letter, CFPB complaint submission XXXX, CFPB response showing your XXXX, Closed with Non-Monetary Relief entry. your XXXX letter stating the account was verified as accurate, Current TransUnion credit report showing the disputed 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 non-monetary relief
Consumer complaint received 2025-08-12 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I was trying to open a bank account but i was unable to for some reason and I'm in the process of trying to get a home as well due to lack of information on old accounts and accounts i never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Reference to Prior Complaint : This complaint is a follow-up to CFPB Complaint ID XXXX, filed regarding XXXX XXXX XXXX XXXX continued reporting of a charge-off account ending in * XXXX without providing the required method of investigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 

Summary of Violation : On XX/XX/XXXX, XXXX XXXX sent me a packet via XXXX XXXX XXXX XXXX  as their purported response to my dispute. This packet included : A cover letter asserting we confirm this is a valid debt with a balance of {$200.00}. 

Copies of past account statements from XXXX. 

A generic credit card disclosure form. 

This so-called verification fails to meet federal requirements because : No Method of Investigation Provided Despite my written dispute and request under FCRA 611 ( a ) ( 7 ), XXXX XXXX did not describe the procedures used to verify the accuracy of the account. They simply declared it valid. 

No Compliance with XXXX XXXX Standards The account was not marked with the required XB code ( Account information disputed by consumer ) during investigation. 

No Documentation from Furnisher Verification Old billing statements are not proof of a current, accurate balance nor proof that a proper investigation took place. 

Balance Discrepancies The {$200.00} figure cited in their letter does not match the balances shown in the provided XXXX statements ( all of which are higher ), suggesting inaccurate and inconsistent reporting. 

Why This Matters : This response shows XXXX XXXX failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681s-2 ( b ) after receiving notice of my dispute from the credit bureaus via the CFPB. They have not met their legal obligations and continue to report an inaccurate charge-off account, damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reference to Prior Complaint : This complaint is a follow-up to CFPB Complaint ID XXXX, filed regarding XXXXXXXX XXXX XXXX XXXX continued reporting of a charge-off account ending in * 3830 without providing the required method of investigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 

Summary of Violation : On XX/XX/XXXX, XXXX XXXX sent me a packet via XXXX XXXX XXXX XXXX as their purported response to my dispute. This packet included : A cover letter asserting we confirm this is a valid debt with a balance of {$200.00}. 

Copies of past account statements from XXXX. 

A generic credit card disclosure form. 

This so-called verification fails to meet federal requirements because : No Method of Investigation Provided Despite my written dispute and request under FCRA 611 ( a ) ( 7 ), XXXX XXXX did not describe the procedures used to verify the accuracy of the account. They simply declared it valid. 

No Compliance with XXXX XXXX Standards The account was not marked with the required XB code ( Account information disputed by consumer ) during investigation. 

No Documentation from Furnisher Verification Old billing statements are not proof of a current, accurate balance nor proof that a proper investigation took place. 

Balance Discrepancies The {$200.00} figure cited in their letter does not match the balances shown in the provided XXXX statements ( all of which are higher ), suggesting inaccurate and inconsistent reporting. 

Why This Matters : This response shows XXXX XXXX failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681s-2 ( b ) after receiving notice of my dispute from the credit bureaus via the CFPB. They have not met their legal obligations and continue to report an inaccurate charge-off account, damaging 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 2025-08-12 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: CA

Complaint narrative:
Reference to Prior Complaint : This complaint is a follow-up to CFPB Complaint ID XXXX, filed regarding XXXX XXXX XXXX XXXX continued reporting of a charge-off account ending in * 3830 without providing the required method of investigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 

Summary of Violation : On XX/XX/XXXX, XXXX XXXX sent me a packet via XXXX XXXX XXXX XXXX as their purported response to my dispute. This packet included : A cover letter asserting we confirm this is a valid debt with a balance of {$200.00}. 

Copies of past account statements from XXXX. 

A generic credit card disclosure form. 

This so-called verification fails to meet federal requirements because : No Method of Investigation Provided Despite my written dispute and request under FCRA 611 ( a ) ( 7 ), XXXX XXXX did not describe the procedures used to verify the accuracy of the account. They simply declared it valid. 

No Compliance with XXXX XXXX Standards The account was not marked with the required XB code ( Account information disputed by consumer ) during investigation. 

No Documentation from Furnisher Verification Old billing statements are not proof of a current, accurate balance nor proof that a proper investigation took place. 

Balance Discrepancies The {$200.00} figure cited in their letter does not match the balances shown in the provided XXXX statements ( all of which are higher ), suggesting inaccurate and inconsistent reporting. 

Why This Matters : This response shows XXXX XXXX failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681s-2 ( b ) after receiving notice of my dispute from the credit bureaus via the CFPB. They have not met their legal obligations and continue to report an inaccurate charge-off account, damaging 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 2025-08-12 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: MicroBilt / PRBC (formerly CL Verify)
State: DE

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-12 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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