vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
Equifax continues to report several pieces of inaccurate personal information that I have previously attempted to correct, without success. Most notably, my credit file still includes an outdated previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, which no longer reflects my place of residence. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, but Ive had trouble with delayed updates and erroneous entries remaining on file. Additionally, Equifax is listing an employer, XXXX XXXX, that is no longer current and does not accurately reflect my employment status. Even more concerning, Equifax incorrectly lists a former name, XXXX XXXX XXXX, which is not my legal name and has never been associated with my identity. 

Seeing an incorrect name on my credit report is both alarming and emotionally draining. It makes me feel like my personal information is being handled carelessly and raises serious concerns about potential misattributions or mixed files. Given recent findings from the CFPB regarding Equifaxs failure to conduct proper investigations, I am even more concerned that these inaccuracies are not being resolved with the attention they deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MA

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MA

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX and XXXX that are inaccurate and not properly verified I have disputed this with the credit bureaus and the furnisher but the late payments remains without proper validation or documentation under 15usc 1681 S2a furnishers must report accurate information under 15 USC 1681I The credit bureaus must perform a reasonable investigation within 30 days. Niether of them have provided sufficient evidence to support the negative reporting.

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 2025-05-30 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:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, XXXX and XXXX that are inaccurate and not properly verified I have disputed this with the credit bureaus and the furnisher but the late payments remains without proper validation or documentation under 15usc 1681 S2a furnishers must report accurate information under 15 USC 1681I The credit bureaus must perform a reasonable investigation within 30 days. Niether of them have provided sufficient evidence to support the negative reporting.

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 2025-05-30 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MI

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MI

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-30 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: MO

Complaint narrative:
There are several collection and charge-off entries reporting inaccurately on my TransUnion credit file, including : XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX with a balance of {$4500.00}, XXXX  account XXXXXXXX XXXX XXXX  dated XX/XX/XXXX for {$1900.00}, XXXX  account XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX with a balance of {$590.00}, XXXX XXXX  account XXXXXXXX XXXX XXXX  dated XX/XX/XXXX with a balance of {$37.00}, XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX for {$770.00}, XXXX XXXX account XXXXXXXX XXXX XXXX  also dated XX/XX/XXXX for {$220.00}, and XXXX account XXXXXXXX XXXX XXXX dated XX/XX/XXXX with a balance of {$0.00}. 

These entries are highly suspect and appear to result from erroneous or outdated data that may stem from prior data breaches or reporting system failures, especially considering the multiple small-dollar, short-term lending entries and redundant collection accounts. I have not received proper validation notices for many of these debts as required by 15 U.S.C. 1692g. Additionally, no original signed agreements, billing statements, or chain-of-title documentation has ever been furnished for any of these accounts. Reporting negative information without proper documentation and verification violates the Fair Credit Reporting Act under 15 U.S.C. 1681i, which obligates credit bureaus to ensure accuracy and completeness when a dispute is initiated. Failure to validate and verify each of these tradelines also opens up liability under 15 U.S.C. 1681n for 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 2025-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Equifax and XXXX XXXX XXXX for unauthorized credit inquiries on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this issue directly with Equifax and the creditor, I have not received any satisfactory response or documentation proving that I authorized these inquiries. 

According to my Equifax credit report, there are several unauthorized hard inquiries from XXXX XXXX on the following dates : XX/XX/scrub>XXXX XXXX XXXX XXXX  I can categorically state that I did not apply for credit with XXXX XXXX XXXX, nor did I provide consent for these inquiries. Such actions are in clear violation of the FCRA, which stipulates that consumer reporting agencies may only furnish a consumer report under certain circumstances and for permissible purposes as outlined in Section 604. 

I have made multiple attempts to dispute these entries with Equifax and have reached out to XXXX XXXX XXXX, requesting evidence of any application or consent, such as a signed document indicating my authorization. However, neither entity has provided any such documentation, nor have they removed the unauthorized inquiries from my credit report. 

As you are aware, these unauthorized inquiries can have a detrimental impact on my credit score and overall financial health. In accordance with the FCRA, I am entitled to accurate and fair credit reporting, which is being compromised by these erroneous entries. 

I kindly request that the CFPB intervene in this matter to ensure that : XXXX. Equifax conducts a thorough investigation into these unauthorized inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX of my consent or removes the inquiries if no such consent is evident. 
XXXX. Both entities adhere to the provisions of the FCRA and rectify any inaccuracies in my credit report promptly. 

I am attaching copies of my credit report highlighting the disputed inquiries, as well as records of my correspondence with Equifax and XXXX XXXX XXXX XXXX I trust that the CFPB will take swift action to address this issue, ensuring compliance with federal laws and protecting my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-30 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:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX  XXXX * * Balance Owed : {$6500.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX * Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/year> I purchased an outdoor shed for {$3000.00}. The salesman offered a {$100.00} discount if we opened a Home Depot card. He mentioned that since the price was over {$2000.00}, there'd be no interest for 24 months. So I agreed with that deal. I was making automatic monthly payments most of the time. Then in XXXX an email showed up telling me the amount I had owed. This was odd because I wasn't receiving any regular emails from them ever. So I looked into it and that's when I noticed my balance was higher than it should be. Checked my monthly payments then looked for monthly interest. There it was. They started adding interest since XXXX. {$500.00} to be exact, and about {$60.00} XXXX, XXXX, XXXX, ( and now XXXX ). I called the customer service on back of my card and told me nothing could be done about it because it took me too long to notice. I didn't claim it within 60 days of the issue. So I have to pay for their mistake? That to me is false advertising. I should get 24 months. I mean I would've never got the card if I knew I was going to have to pay double the price.

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 2025-05-30 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: NY

Complaint narrative:
I recently reviewed my credit report and notice some fraudulent accounts. Please remove these accounts from my report as it hurting 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 explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: TN

Complaint narrative:
XXXXELF FINANCIAL INC/ LEAD BANK XXXXXXXX XXXX XXXX XXXX XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified mail with receipt displaying my signature. If not, please delete account SELF FINANCIAL INC/ LEAD BANK XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation