vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
Equinox has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Equifaxs inaction violates federal Federal law and my rights as a consumer.

I have request that Equifax provide written documentation verifying the accuracy of this was not provided with any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Greetings, I am submitting this complaint concerning fraudulent items in my file. I am pleased to note that Experian Credit Bureau has already removed all fraudulent items from my file. Today, I am requesting once again the removal of the remaining items from Equifax and TransUnion Credit Bureaus, as it is in violation of the Fair Credit Reporting Act, specifically 15 USC sections 1681. This request is made within the time declared by law, as the continued reporting of untruthful information is adversely affecting my credit. Please find below a summary of the remaining items that are still appearing on my report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance {$4400.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : RE : Immediate Action Required Violation of United States Law : TILA ( Truth in Lending Act - 15 U.S.C. 1666 ( b ) ( Billing Error ) and FCBA ( Fair Credit Reporting Act ( 15 U.S.C. 1681 ( n ) : ______________________________________________________________________ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] Upon recent review of my consumer credit report, I identified multiple serious billing errors in direct violation of the Truth In Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditors failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement issues by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid or unenforceable.

I hereby demand immediate correction of the following violations : 1. Provide Verifiable Proof from the creditors original accounting records, not generic system notes showing that : A payment was missed, AND That a proper billing statement was provided according to law ( 21 days prior ), OR 2. Immediate Update all referenced accounts to Paid As Agreed on my credit profile.

Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees. 

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX  ), and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
I am formally disputing inaccurate, outdated, and unverifiable information being reported by [ Experian/Equifax/TransUnion ] that has negatively affected my credit profile. This includes incorrect account data, identity mismatches, unvalidated derogatory accounts, and failure to follow proper reinvestigation procedures under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ).

I have included an attached addendum detailing all disputed items, legal violations, and remedies requested including opt-out instructions, promotional inquiry blocks, and name/address corrections. 

These errors have resulted in multiple credit denials, including for a mortgage and auto loan, and have caused personal and financial harm. I respectfully request immediate action from the Consumer Financial Protection Bureau to ensure my rights are enforced and my credit file is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally disputing inaccurate, outdated, and unverifiable information being reported by [ Experian/Equifax/TransUnion ] that has negatively affected my credit profile. This includes incorrect account data, identity mismatches, unvalidated derogatory accounts, and failure to follow proper reinvestigation procedures under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ).

I have included an attached addendum detailing all disputed items, legal violations, and remedies requested including opt-out instructions, promotional inquiry blocks, and name/address corrections. 

These errors have resulted in multiple credit denials, including for a mortgage and auto loan, and have caused personal and financial harm. I respectfully request immediate action from the Consumer Financial Protection Bureau to ensure my rights are enforced and my credit file is corrected.

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 2025-07-09 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: NC

Complaint narrative:
XX/XX/year> To Whom It XXXX Concern, On XX/XX/year>, I submitted a formal complaint through the CFPB regarding Experians failure to verify a negative item on my credit report. 
( See CFPB Case # XXXX, # XXXX, # XXXX ) I clearly stated : I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 

Experian responded with a generic message stating they would review my complaint and follow up. They never followed up. 
Instead, on XX/XX/year>, I received an email at XXXX XXXX  followed by a hard copy, falsely claiming that my dispute does not appear to have been sent directly by me. That statement is a blatant falsehood. 

Lets be real : Experian knows good and XXXX well that I am the verified consumer submitting these disputes! Yet they continue to pretend otherwise, delaying their legal obligations and undermining my rights under the Fair Credit Reporting Act! 

I have submitted these disputes directly, personally, and repeatedly, along with proper identification and in full compliance with FCRA procedures. 

Let me be clear : I am the verified consumer, and every correspondence Experian has receivedand will continue to receive, regarding negative items affecting my credit report has been sent directly by me. 
I do NOT consent to Experian outsourcing dispute investigations to third-party vendors like e-OSCAR.

I am demanding transparency regarding who is verifying the allegedly accurate information.

I assert my right under 15 U.S. Code 1681i ( a ) ( 7 ) to receive a detailed description of the procedure used to determine accuracy and completeness, including the business name, address, and phone number of each furnisher.

Experians pattern includes : Delaying disputes with false claims of unverifiable authorization Relying on automated verification systems like e-OSCAR without meaningful investigation Failing to provide legally required documentation or verification evidence all of which constitutes willful noncompliance with 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 2025-07-09 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: FL

Complaint narrative:
I am disputing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any other late payments being reported by XXXX XXXX XXXX XXXX on a closed account ending in XXXX that was not sold, but instead internally assigned to a third party for recovery or administration. I was not properly notified of the closure, adverse action, or credit reporting. 

This derogatory reporting is inaccurate, misleading, and unfair, and appears to violate multiple consumer protection laws : Truth in Lending Act ( TILA ) : No clear billing disclosures or closure notifications were provided, as required by 15 U.S.C. 1637. 

Equal Credit Opportunity Act ( ECOA ) : XXXX XXXX failed to provide a written adverse action notice, violating 15 U.S.C. 1691 ( d ) ( 2 ).

Florida UDAP Law : This conduct violates Florida Statutes 501.204, which prohibits unfair and deceptive business practices. 

I respectfully request the removal of all late payments related to this account and correction of the credit report to reflect a fair, non-derogatory status. 

Thank you for your assistance in resolving this matter.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly investigate and respond to disputes I submitted regarding three inaccurate accounts on my credit report. Despite providing documentation, Experian ignored my dispute, failed to follow federal guidelines for reinvestigation, and continued reporting harmful, unverifiable information. These actions reflect the exact misconduct outlined in the CFPBs XX/XX/XXXX lawsuit against Experian. 

The accounts in question are : XXXX XXXX XXXX XXXX Credit Card ( Acct # Ending in XXXX ) : Reported as a charge-off for {$20000.00}. This information is inaccurate and remains unverified despite my dispute. 

XXXX XXXX XXXX XXXX Credit Card ( Acct # Ending in XXXX ) : Also reported as a charge-off for {$2900.00}. I submitted a dispute and received no legitimate investigation or supporting documentation. 

XXXX XXXX XXXX XXXX XXXX ( Acct # Ending in XXXX ) : Reported as a charge-off for {$60000.00}. This account was canceled by the creditor and a 1099-C was issued in XXXX. Reporting it as an active charge-off with a balance is misleading and inaccurate under federal law.

Experian failed to provide verification or explain why these accounts remain. I also have reason to believe one or more of these accounts were reinserted after prior removalwithout proper certification or notificationanother violation of FCRA.

These inaccurate entries have caused me measurable harm, including denials of employment, inflated interest rates, and emotional distress. I am requesting an immediate investigation, permanent deletion of the disputed accounts, and inclusion in any consumer relief arising from the CFPBs legal action.

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