vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
They are reporting XXXX XXXX  on my credit report. According to the FCRA I am entitled to a fair and accurate report. This account clearly shows inaccurate information in several different areas yet equifax continues to respond that the company verified as accurate but there are several inaccurate details listed right on the report they are publishing. They refuse to properly investigate disputes. This is an ongoing issue with this credit company using e-oscar. Please investigate this and hold them accountable for breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
Upon reviewing my credit report. I notice a late payment listed onXXXX XXXX that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: 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. 

XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Immediately reinvestigate and remove the inaccurate late payment reported by XXXX XXXX ( XXXX XXXX XXXXXXXX ) from my credit file, as it was paid on time and reported in error without proper notice of the due date. Provide documented proof of timely billing notice or permanently delete the late mark. Send me a corrected credit report and written confirmation of deletion within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XX/XX/XXXXXXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-15 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  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX CARD # XXXX - Date Opened XX/XX/XXXX 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 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 2025-08-15 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am a XXXX veteran with a documented XXXX that prevents me from traveling due to my XXXX and lack of mobility. On XX/XX/year>. I applied for a loan with Mountain America Credit Union. My loan officer, XXXX XXXX, processed my application during a three-hour phone call. I provided federal ID, bank statements, completed their facial recognition process, and answered verbal identifiers for credit pulls. My loan was approved during the call. 

At the very end, I was told I must appear in person at a branch to finalize the process. I live out of state and can not travel due to my XXXX. I immediately requested a reasonable XXXX accommodation, offering alternatives such as secure video verification, mobile notary service, secure online verification, or mailed documents for notarization. All options were refused. 

The branch manager cited the Fair Credit Reporting Act and Patriot Act as requiring in-person verification. However, these laws do not mandate physical presence ; many institutions verify customers remotely while fully complying. The refusal to offer any alternative was a policy choice, not a legal necessity and creates a barrier to full participation in financial services. 

Later, I was hung up on after being told it was a system problem. I asked for a written explanation of why my federal ID, bank statements, and completed verification steps were insufficient, and no adequate answer was provided. 

I do have supporting materials available upon request which include : Email correspondence showing my XXXX request and their denial. 
Approval confirmation before the in-person requirement was disclosed. 
Call log documenting the XXXX conversation. 
Copies of identification and bank statements were provided. 

XXXX XXXX refusal to provide a reasonable accommodation denied me equal access to financial services in violation of the Americans with Disabilities Act. I request that this matter be investigated and that the institution adopt XXXX verification options, please. 

* * * Email From the Manager  * * * Hey XXXX, I am XXXX manager ; she looped me in on what was going on. 

I know you asked if there were other options to verify your identity. XXXX XXXX policy is if we are unable to valid identity through the ID scan, then we can not proceed until we have verified the individual in person at a branch with XXXX forms of identification. I understand that you live out of state, and it would be difficult for you to come into the branches and identify yourself, but unfortunately if this step is not completed, we are unable to move forward with the applications. 

If we are unable to properly identify a member, it violates the regulations of the Fair Credit Reporting Act, and the Patriot Act. Both regulations cover properly identifying an individual prior to opening an account or a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX And : EXPERIAN Re : Formal Demand for Immediate Correction or Deletion Account # XXXX This letter serves as formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Metro 2 Credit Reporting Resource Guide. I have reviewed my consumer credit file and identified multiple material violations regarding the reporting of the above-referenced account.

The following violations are clear, willful, and actionable : 1. Reporting Past Due Amount After Charge-Off Metro 2 guidelines state that after a charge-off, the Past Due Amount should be reported as {$0.00}. 
Your reporting reflects a {$140.00} past due amount in XX/XX/XXXX despite the account being charged off in XX/XX/XXXX. This is inaccurate, misleading, and noncompliant with both XXXX XXXX and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX. Re-Aging of Account The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, yet you updated the balance in XX/XX/XXXX as if new delinquency occurred. This constitutes illegal re-aging under FCRA XXXX ( c ) and is a deceptive reporting practice designed to extend the derogatory impact beyond the XXXX reporting limit. 
XXXX. Improper Payment History After XXXX XXXX XXXX requires that once an account is charged off, payment history reporting should cease updating with new CO notations. Your report shows multiple CO entries month after month post-charge-off, which is a willful misrepresentation intended to make the account appear in continual delinquency. 
XXXX. Failure to Properly Code Consumer Dispute During my dispute, the account should have been coded with the XXXX XXXX Compliance Condition Code XB and reporting frozen until resolution. Instead, you continued to report derogatory information without proper dispute notation, violating FCRA 623 ( a ) ( 3 ).

5. Highest Balance Misrepresentation The account is reported with a {$220.00} highest balance on a {$200.00} limit. If this is not factually accurate, it constitutes false and misleading reporting under FCRA XXXX ( b ). 
Demand for Action You are hereby demanded to : 1. 2. Delete the above-referenced account from all consumer reporting agencies, OR Correct all violations listed above in full compliance with XXXX XXXX XXXX and the FCRA, and provide written proof of such corrections. 
Failure to comply within 15 days of receipt of this letter will result in my immediate initiation of a civil lawsuit seeking statutory damages of no less than {$1000.00} per violation under 15 U.S.C.

1681n and 1681o, plus actual damages, attorneys fees, and court costs.

This is not a request it is a demand. Preserve all records and communications related to this account for litigation purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under XXXX U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX-XXXX  timeframe required by law. This lack of response is a clear violation of my rights under 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 2025-08-15 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: PA

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 2025-08-15 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: PA

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 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 2025-08-15 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: MA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-15 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-15 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MD

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXXI XXXX Balance : {$900.00}

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