vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing because Equifax has still not corrected my credit file after more than XXXX  days of waiting. You confirmed that my credit accounts including XXXX  XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX were verified and correctly belong to me. 

However, none of these accounts have been restored to my credit report, and my credit score remains completely reset to zero. This is unacceptable. The issue is not about verifying ownership the issue is that Equifax has deleted my entire credit history and failed to restore it after confirmation. 

When I apply for a loan, a credit card, or a car purchase, lenders check all three major credit bureaus. 
My XXXX  score is around XXXX, My XXXX  score is around XXXX, but when they check Equifax, it shows no credit history and no score at all, as if I have never existed or had any credit activity. 

Because of this, I can not get approved for a car loan, home loan, or even a basic credit card. This situation is directly caused by XXXX error, which completely erased my verified credit data. 

I am not asking for any money or compensation. I only demand that Equifax immediately restore my full verified credit history and correct my credit score to accurately reflect my long-standing payment record. 

I have already waited 60 days for your investigation. I can not and will not wait another 60 days while your error continues to severely damage my financial stability. Please fix this immediately. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX SSN : XXXX Phone : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am requesting a reinvestigation of the items listed below on my TransUnion credit report. If these accounts can not be fully verified, I am requesting removal as required under the Fair Credit Reporting Act ( FCRA ). 

CHARGED-OFF ACCOUNTS ( TU ) XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$18000.00} XXXX  XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$5800.00} XXXX XXXX  XXXX Acct XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$5300.00} XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX CRED Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$3600.00} INQUIRIES ( TU ) XXXX  XX/XX/XXXX LATE PAYMENTS ( TU ) The following late payments need to be verified. If not substantiated, I request removal : XXXX XXXX XXXX  Acct : 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 2025-11-10 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found that several accounts and an inquiry are being reported inaccurately and remain unverified despite multiple previous disputes. The accounts in question include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as an unauthorized inquiry from XXXX XXXX  dated XX/XX/XXXX. 

XXXX XXXX XXXX is reporting my account as both charged off and past due at the same time. This is a factual impossibility and a direct violation of FCRA 607 ( b ), which requires furnishers and credit bureaus to report information with maximum possible accuracy. Additionally, XXXX XXXX XXXX has failed to produce documentation showing how the alleged deficiency balance was calculated after repossession, or proof of a repossession notice or final statement sent to me. Reporting both statuses simultaneously is misleading and damages my credit profile. 

XXXX XXXX XXXX XXXX XXXX reporting an account as closed by credit grantor but continues to associate it with negative remarks, even though no documentation or proof has been provided to show that the closure was due to default or adverse action. This is incomplete and unverifiable reporting, which violates FCRA 611 ( a ) ( failure to properly reinvestigate ) and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to furnish accurate information ).

In addition, there is a hard inquiry from XXXX XXXX dated XX/XX/XXXX that I did not authorize. No permissible purpose under FCRA 604 ( a ) ( 2 ) has been proven, and I have never applied for credit with this entity. This unauthorized inquiry constitutes unlawful access to my credit file and negatively impacts my credit score.

Despite multiple disputes sent in 2024 and 2025, the credit bureaus have verified these items without producing any evidence or documentation from the furnishers. This demonstrates a failure to perform a lawful reinvestigation under FCRA 611 ( a ). As a result, inaccurate and unverifiable information continues to appear on my credit reports, harming my creditworthiness and violating my rights under federal 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 2025-11-10 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found that several accounts and an inquiry are being reported inaccurately and remain unverified despite multiple previous disputes. The accounts in question include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as an unauthorized inquiry from XXXX XXXX  dated XX/XX/XXXX. 

XXXX XXXX XXXX is reporting my account as both charged off and past due at the same time. This is a factual impossibility and a direct violation of FCRA 607 ( b ), which requires furnishers and credit bureaus to report information with maximum possible accuracy. Additionally, XXXX XXXX XXXX has failed to produce documentation showing how the alleged deficiency balance was calculated after repossession, or proof of a repossession notice or final statement sent to me. Reporting both statuses simultaneously is misleading and damages my credit profile. 

XXXX XXXX XXXX XXXX XXXX reporting an account as closed by credit grantor but continues to associate it with negative remarks, even though no documentation or proof has been provided to show that the closure was due to default or adverse action. This is incomplete and unverifiable reporting, which violates FCRA 611 ( a ) ( failure to properly reinvestigate ) and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to furnish accurate information ).

In addition, there is a hard inquiry from XXXX XXXX dated XX/XX/XXXX that I did not authorize. No permissible purpose under FCRA 604 ( a ) ( 2 ) has been proven, and I have never applied for credit with this entity. This unauthorized inquiry constitutes unlawful access to my credit file and negatively impacts my credit score.

Despite multiple disputes sent in 2024 and 2025, the credit bureaus have verified these items without producing any evidence or documentation from the furnishers. This demonstrates a failure to perform a lawful reinvestigation under FCRA 611 ( a ). As a result, inaccurate and unverifiable information continues to appear on my credit reports, harming my creditworthiness and violating my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This information is inaccurate and unverifiable as reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full investigation into this matter.If the furnisher of this information can not verify the accuracy and completeness of the account within the statutory period ( 30 days ), I request that it be deleted entirely from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). Please send me written confirmation of the investigation results, including an updated copy of my credit report reflecting any deletions or corrections made.Credit acceptance has had a vehicle on my credit report that was mark as unpaid it was opened XX/XX/XXXX. It is showing XXXX late payments when it was wrote off by them and paid off due to the pandemic. The amount is {$15000.00} The vehicle was marked a totalled out beyond repair and paid off due to XXXX XXXX and a law suit that was placed on them. In XX/XX/XXXX they were paid again due to settlement. It was wrote off by the company and still reflects on my credit reporting late payments and cauding a negative impact on my credit.It is still on my report as unpaid debt reporting negative on all credit bureau 's such as experian, equifax, and transunion. When the debt was mark as paid in full with no late payments and I would like it deleted from all credit reports as it is stopping me from getting a home as a homeowner and has caused me to be homeless and cause emotional distress in having this debt that was paid off by a lawyer and I have not been able to get another vehicle from a car dealership in the past XXXX XXXX I can not get any loans for a new home or get a new vehicle from any companies at all. I need it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
This information is inaccurate and unverifiable as reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full investigation into this matter.If the furnisher of this information can not verify the accuracy and completeness of the account within the statutory period ( 30 days ), I request that it be deleted entirely from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please send me written confirmation of the investigation results, including an updated copy of my credit report reflecting any deletions or corrections made.Credit acceptance has had a vehicle on my credit report that was mark as unpaid it was opened XX/XX/XXXX. It is showing XXXX late payments when it was wrote off by them and paid off due to the pandemic. The amount is {$15000.00} The vehicle was marked a totalled out beyond repair and paid off due to XXXX XXXX and a law suit that was placed on them. In XX/XX/XXXX they were paid again due to settlement. It was wrote off by the company and still reflects on my credit reporting late payments and cauding a negative impact on my credit.It is still on my report as unpaid debt reporting negative on all credit bureau 's such as experian, equifax, and transunion. When the debt was mark as paid in full with no late payments and I would like it deleted from all credit reports as it is stopping me from getting a home as a homeowner and has caused me to be homeless and cause emotional distress in having this debt that was paid off by a lawyer and I have not been able to get another vehicle from a car dealership in the past XXXX XXXX. I can not get any loans for a new home or get a new vehicle from any companies at all. I need it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
This information is inaccurate and unverifiable as reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full investigation into this matter.If the furnisher of this information can not verify the accuracy and completeness of the account within the statutory period ( 30 days ), I request that it be deleted entirely from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please send me written confirmation of the investigation results, including an updated copy of my credit report reflecting any deletions or corrections made.XXXX XXXX has had a vehicle on my credit report that was mark as unpaid it was opened XX/XX/XXXX. It is showing XXXX late payments when it was wrote off by them and paid off due to the pandemic. The amount is {$15000.00} The vehicle was marked a totalled out beyond repair and paid off due to XXXX XXXX and a law suit that was placed on them. In XX/XX/XXXX they were paid again due to settlement. It was wrote off by the company and still reflects on my credit reporting late payments and cauding a negative impact on my credit.It is still on my report as unpaid debt reporting negative on all credit bureau 's such as experian, XXXX, and XXXX. When the debt was mark as paid in full with no late payments and I would like it deleted from all credit reports as it is stopping me from getting a home as a homeowner and has caused me to be homeless and cause emotional distress in having this debt that was paid off by a lawyer and I have not been able to get another vehicle from a car dealership in the past XXXX XXXX. I can not get any loans for a new home or get a new vehicle from any companies at all. I need it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation