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: 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:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate, unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic 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 experience, where Experian has neither corrected nor removed disputed items despite the evidence and FTC report I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action and immediate blocking of the fraudulent collection accounts, and address listed, from all consumers as Experian 's inaction violates federal law and my rights as a consumer : ACCOUNTS : XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XXXX XXXX XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00}, XXXX XXXX XXXX XXXX {$15000.00}. ADDRESS REMOVAL : XXXX XXXXXXXX XXXX XXXX XXXX, CA 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
s a formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that you initiate a reinvestigation of the items listed below and remove or correct them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
s a formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that you initiate a reinvestigation of the items listed below and remove or correct them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my recent credit report, I identified fraudulent accounts listed in my name. I request their immediate removal, as they are negatively impacting my ability to obtain credit.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX went bankrupt. My debt has been transferred to multiple debt collectors. I never received a written notice prior. My treatment was also never completed from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Equifax Information Service LLC on my Installment sales contract, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the XX/XX/XXXX, XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Cra 's are violating my rights and not doing their job.

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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of All Accounts and Inquiries & Written Confirmation To Whom It XXXX Concern, This letter serves as a formal demand for the immediate deletion of all accounts, inquiries, and negative items from my credit report in accordance with my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Due to an ongoing lawsuit and violations related to the reporting of these accounts, I am demanding that you remove all reported items associated with my credit profile within XXXX ( XXXX ) days of receiving this notice. Additionally, I require written confirmation that all deletions have been completed. If this request is not met within the specified timeframe, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing civil litigation for damages resulting from your non-compliance Failure to act promptly will result in immediate escalation. Please provide written confirmation of the deletions to the address above or via email at XXXX within the required timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
While completing a workout payment plan for modification Select portfilio Servicing representative explained once completing my Modification payment would be XXXX/ per month which would be possible for me to make.also the automotive system confirms the payment of XXXX.After receiving information from another representative the payment went up to $ XXXXper month would make it an extreme overbearing and unfair hardship for me to make since I am on XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
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: NY

Complaint narrative:
I recently obtained copies of my credit reports from Experian, Equifax, and TransUnion. Upon review, I found several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a negative impact on my credit health and personal life. 

Despite prior attempts to resolve these issues directly with the reporting agencies, the matter remains unresolved. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally requesting : An immediate reinvestigation of all disputed items. 

The removal or correction of all inaccurate, incomplete, or unverifiable information from my credit file. 

Enclosed are copies of documents supporting my dispute, including proof of identity and any relevant account records. 

Please provide me with : Written confirmation of your investigation results. 

A copy of my updated credit report reflecting the changes. 

The FCRA requires that you complete this investigation within XXXX days of receiving my dispute. Failure to comply may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to this matter.

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: NY

Complaint narrative:
I recently obtained copies of my credit reports from Experian, Equifax, and TransUnion. Upon review, I found several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a negative impact on my credit health and personal life. 

Despite prior attempts to resolve these issues directly with the reporting agencies, the matter remains unresolved. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally requesting : An immediate reinvestigation of all disputed items. 

The removal or correction of all inaccurate, incomplete, or unverifiable information from my credit file. 

Enclosed are copies of documents supporting my dispute, including proof of identity and any relevant account records. 

Please provide me with : Written confirmation of your investigation results. 

A copy of my updated credit report reflecting the changes. 

The FCRA requires that you complete this investigation within XXXX days of receiving my dispute. Failure to comply may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Thank you for your prompt attention to 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the immediate deletion of the inaccurate late payment entries from my credit report for the following accounts : XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX If the creditor can not provide documented proof that proper notice of the payment due date and late status was sent prior to reporting, the late marks must be removed permanently. I also request written confirmation of the deletions and an updated copy of my credit file within 15 business days.

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: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The credit reporting agencies are showing vastly different percentages in the amount of on time payments made on the account which are negatively affecting my score and i would like to have the account removed from all three reporting agencies.

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: PA

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 XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-08-12 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: FL

Complaint narrative:
This follow-up complaint represents my formal dispute regarding inaccurate and unauthorized information appearing in my credit file. Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a person or entity may only obtain or access a consumer report if they have a permissible purpose as defined by law. Any access or furnishing of my credit information without such purpose is unauthorized and constitutes a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This follow-up complaint represents my formal dispute regarding inaccurate and unauthorized information appearing in my credit file. Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a person or entity may only obtain or access a consumer report if they have a permissible purpose as defined by law. Any access or furnishing of my credit information without such purpose is unauthorized and constitutes a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 submitting this follow up formal complaint regarding fraudulent accounts and inquiries that continue to appear on my credit report as a direct result of identity theft. Despite having previously sent three dispute letters accompanied by sufficient documentation, this matter remains unresolved .. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint against XXXX  for engaging in discriminatory credit reporting practices that disproportionately and negatively impact XXXX consumers, in violation of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and federal civil rights laws. 
Description of the Problem I have reason to believe that XXXX  has systematically engaged in or enabled practices that result in the overlooking, underreporting, or misrepresentation of credit accounts and positive credit history for XXXX consumers, thereby lowering credit scores and unfairly limiting access to credit, housing, and financial opportunities. 
My credit file has contained errors which were not corrected despite my disputes. 
I have been denied credit/housing/ employment due to inaccurate or incomplete information reported by this bureau. 
Comparable XXXX  consumers with similar financial histories and payment records have been treated more favorably in credit scoring and reporting outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My accounts have been closed since XX/XX/XXXX, with no clear explanation for why the account has been close, i have not receive funds in my account via check nor do i have any access to my online banking. 

everytime i visit a branch or call Chase i am only being told that the account is under investigation with my clear time line of when this could end, due to account closure and no access to funds i am going through a great deal of financial hardship unable to pay bills on accord basic toiltery or food.

Company response to consumer: Closed with explanation