vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I have disputed multiple hard inquiries on my credit report XXXX separate times with the credit bureau, and they have failed to investigate or remove them, nor have they provided proper verification as required by the Fair Credit Reporting Act ( FCRA ). These inquiries are either unauthorized or related to accounts that are now closed and no longer have a permissible purpose to remain. 

The credit bureau has ignored my previous disputes, violating my rights under the FCRA. I am requesting the CFPB to intervene and ensure these inquiries are properly investigated and permanently removed if they can not be verified with my written consent 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 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 2025-06-18 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
I submitted a first dispute letter to Experian on XX/XX/year>, requesting corrections to personal information on my credit report. Specifically, I asked to update my full legal name to XXXX XXXX XXXX XXXX and to remove old and incorrect addresses that no longer reflect my current or valid residency history. 

Experian replied via email stating that the letter lacked sufficient proof. On XX/XX/year>, I sent a second certified letter with all the requested supporting documentation, including copies of my Social Security card, driver 's license, passport, and utility bill with my current address. 

Despite these efforts, the updated credit report I received from Experian shows that no corrections were made to my personal information. My legal name is still incorrect, and outdated addresses remain on file. This situation is both frustrating and unacceptable after providing all the evidence requested. 

I have now been forced to escalate this issue through the CFPB, as Experian has failed to resolve this matter after XXXX formal attempts and complete documentation.

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 2025-06-18 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services for {$700.00}. I never authorized this agency to collect this debt, nor have they provided a contract or full validation under FDCPA 809.

Ive submitted multiple disputes to the credit bureau. They merely updated the dispute status without actual verification or documentation. This violates my rights under FCRA 1681i.

I am requesting full deletion of this account from my credit report and a formal investigation into unlawful reporting by Credit Collection Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 explanation
Consumer complaint received 2025-06-18 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-06-18 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:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2025-06-18 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX, I invested {$3.00} XXXX with XXXX XXXX ( also known as XXXX XXXX ), who operated under a XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX The investment was for equity in a cannabis wellness brand called XXXX XXXX, and funds were wired directly to accounts managed by XXXX. 

After the funds were received, XXXX failed to provide any financial transparency, statements, returns, or accounting of how the money was used. Despite repeated requests, I was never given documentation such as financials, K-1s, or proof of legitimate business use. I believe XXXX used personal and business accounts to mislead investors and misappropriate funds. 

I am requesting the CFPB investigate whether banking systems and financial services were misused in the commission of this 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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Summary ALLY BANK : I placed a fraud alert with all XXXX credit bureaus due to a fraudulent account being opened in my name. This happened on XX/XX/year>. On XX/XX/year> i went grocery shopping at winco and they told me my card had an incorrect pin. I re-entered same issue i explained i use this card all the time this is my pin. I then entered a different pin just in case and it locked me out. I called ally. They told me that there was nothing they could do and someone would contact me in XXXX business days. Since then, my bank has locked me out of my own checking account. I called them today XX/XX/XXXX ( because they still hadn't called me ) I spoke to someone she verified me and said she couldn't do anything and someone should be calling me. I had her connect me with the fraud department and was told it was cleared ( after talking for a long time and complaining ), but hours later I was blocked again. I have no access to my funds, cant pay bills, and its causing serious disruption to my life and business. Ive done nothing wrong, and Ive followed all the steps to protect my identity. This is unacceptable, and I want a real resolution.

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 2025-06-18 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: IL

Complaint narrative:
My name is XXXX XXXX, and under 15USC 1692c you violated my rights by unlawful communications. this collection is invalid. remove it from my credit report immediately or i will pursue all legal remedies available.

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 2025-06-18 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: GA

Complaint narrative:
), This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ), 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX account opened at XXXX XXXX in XXXX of XXXX in collections for {$3500.00}. XXXX XXXX XXXX opened in XXXX of XXXX in collections for {$1000.00}. A charged-off XXXX for {$440.00} account opened in XX/XX/XXXX. A XXXX XXXX account was opened in XX/XX/XXXX and charged off for {$1000.00}. 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 collections and charge-offs 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 charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
TransUnion is currently reporting several collection and charge-off accounts on my credit report that I am formally disputing as inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ). The accounts in question include XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) listed as a charge-off dated XX/XX/XXXX with a reported balance of {$4100.00}, XXXXXXXX XXXX ( account number ending in XXXXXXXX XXXX XXXX ) reported as a collection dated XX/XX/XXXX with a balance of {$190.00}, XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ) reported as a charge-off from XX/XX/XXXX with a balance of {$840.00}, XXXXXXXX XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) listed as a charge-off dated XX/XX/XXXX with a balance of {$720.00}, and XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) listed as a collection account opened on XX/XX/XXXX with a balance of {$890.00}. 

I dispute these accounts on several grounds, including lack of documentation, inaccurate reporting dates, and failure to validate the debt in accordance with federal law. TransUnion has continued to furnish these negative items despite my not having received any verification, supporting documents, or original source records from the data furnishers involved. Under the FCRA, specifically 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information, and any information that can not be verified must be promptly deleted under 15 U.S.C. 1681i ( a ) ( 5 ). These accounts have remained on my report for an extended period without any meaningful explanation or validation. Some of the debts are extremely outdated and potentially fall outside the fair reporting period, while others raise concerns about improper account transfers, duplicate reporting, or unauthorized collection practices.

The impact of these derogatory accounts is substantial. They are materially harming my creditworthiness, causing credit denials, and damaging my financial standing with no proof of legitimacy. If TransUnion is merely accepting third-party furnished data without performing due diligence or ensuring it is accurate and complete, then it is in direct violation of its obligations as a consumer reporting agency under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they include.

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 2025-06-18 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:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-18 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: CA

Complaint narrative:
I am writing to file an official dispute regarding inaccurate and potentially unlawful reporting of closed accounts that appear on my credit report. These accounts are having a damaging effect on my creditworthiness and are not being reported in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am submitting this complaint to dispute a series of inquiries that appear on my Experian credit report, which I believe were either unauthorized or inaccurately recorded. Specifically, the inquiries in question are from XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX dated XX/XX/XXXX, and XXXXXXXX XXXX dated XX/XX/XXXX. I did not submit any credit applications or give authorization to these entities to access my credit report around the dates listed. As such, I dispute that any of these organizations had a permissible purpose under the law to obtain my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( c ), a consumer reporting agency like Experian is prohibited from releasing a credit report unless there is a specific, authorized reasonsuch as an application for credit initiated by the consumer. Additionally, XXXX XXXX. XXXX ( a ) mandates that consumer reporting agencies establish and maintain reasonable procedures to ensure that inquiries are only shared with parties who have a legitimate reason for accessing that data. The inclusion of these inquiries without my consent suggests that Experian either failed to vet the requests for legitimacy or allowed third-party access without verifying that proper consumer authorization existed. 

The presence of these inquiries has harmed my credit profile, as each hard inquiry negatively impacts my credit score and creates the false impression that I am actively seeking credit from multiple lenders. This, in turn, can lead to adverse decisions from creditors and lenders, affecting my ability to obtain fair financing terms or approvals. These inquiries do not reflect my actual credit behavior and therefore distort the accuracy of my credit file in violation of FCRA requirements.

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