vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


1. XXXX XXXX- Account number : XXXX - Original creditor : XXXX XXXX XXXX Co XXXX XXXX : {$710.00} 2. XXXX XXXX XXXX - Account number : XXXX - Original creditor : XXXX - Balance : {$270.00} 3. XXXX  XXXX XXXX  - Account number : [ XXXX-XXXXXXXXXXXXXX or XXXX-XXXXXXXXXXXXXX ] XXXX Original creditor : [ XXXX  XXXX XXXX  XXXX XXXX . or XXXX Bank ] - Balances : {$420.00} and {$360.00} respectively 4. XXXX XXXX - Account number : XXXX - Original creditor : XXXX XXXX Bank XXXX - XXXX : {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MN

Complaint narrative:
I disputed a collection account with [ Experian/Equifax ] , and the dispute was resolved in my favor. However, they have failed to remove the account from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This collection is actively preventing me from obtaining necessary credit, and I need it removed immediately. 

I have attempted to contact [ Experian/Equifax ] multiple times, but they have intentionally kept me on hold for extended periods, making it impossible to speak with a representative. This is an unfair business practice designed to delay resolution. 

I am formally requesting that [ Experian/Equifax ] remove this collection account immediately and provide written confirmation of its deletion within 48 hours. If this is not resolved promptly, I will escalate this issue further, including filing a complaint with my State Attorney Generals Office and seeking legal action for damages caused by their negligence.

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 2025-03-10 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: PA

Complaint narrative:
XXXX XXXX has been reporting an account inaccurately. I have requested this information be removed several times, but they have failed to permanently remove it from my consumer reports. They also keep reporting this information as correct and accurate to other credit bureaus when it is not. This account contains multiple violation of the Fair Credit Reporting Act and I am requesting an immediate investigation into their reporting practices. This account is in violation of FCRA-609 ( a ) ( 1 ) Failure to provide verification. They have failed to provide proper verification of the debt including but not limited to the original signed contract, a complete payment history to confirm the accuracy of the balance, documentation proving legal authority to report this account FCRA 623 ( a ) ( 3 ) - Reporting Inaccurate Information ; XXXX XXXX is reporting this account with incorrect details which constitutes a violation of their obligation to report only accurate and complete information. 
IRS Requirement - Failure to provide 1099C for charged off debt. XXXX XXXX has listed this account as a charge-off but has not provided me with a 1099C ( Cancellation of Debt ) form as required by IRS regulations when a debt of {$600.00} or more is canceled. If they have truly charged off the debt, they must provide a 1099C to reflect the amount as income for tax purposes. Their failure to do so suggest that the charge-off status is inaccurately reported and misleading to creditors. 

I request immediate removal of this inaccurate and unverified account from my credit report. I ask CFPB to investigate

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 2025-03-10 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: PA

Complaint narrative:
XXXX XXXX has been reporting an account inaccurately. I have requested this information be removed several times, but they have failed to permanently remove it from my consumer reports. They also keep reporting this information as correct and accurate to other credit bureaus when it is not. This account contains multiple violation of the Fair Credit Reporting Act and I am requesting an immediate investigation into their reporting practices. This account is in violation of FCRA-609 ( a ) ( 1 ) Failure to provide verification. They have failed to provide proper verification of the debt including but not limited to the original signed contract, a complete payment history to confirm the accuracy of the balance, documentation proving legal authority to report this account FCRA 623 ( a ) ( 3 ) - Reporting Inaccurate Information ; XXXX XXXX is reporting this account with incorrect details which constitutes a violation of their obligation to report only accurate and complete information. 
IRS Requirement - Failure to provide 1099C for charged off debt. XXXX XXXX has listed this account as a charge-off but has not provided me with a 1099C ( Cancellation of Debt ) form as required by IRS regulations when a debt of {$600.00} or more is canceled. If they have truly charged off the debt, they must provide a 1099C to reflect the amount as income for tax purposes. Their failure to do so suggest that the charge-off status is inaccurately reported and misleading to creditors. 

I request immediate removal of this inaccurate and unverified account from my credit report. I ask CFPB to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT 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 non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
ON Friday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX  asking me for more information in regards to a credit application. I have never applied for any credit with XXXXXXXX XXXX  so I called the number provided in the email to inquire about the application. the agent told me that the ( XXXX XXXX  ) received a credit card application with my information on XX/XX/XXXX. I explained that I did not apply for any credit with their company and that any applications or open accounts should be cancelled and closed immediately. I then checked my credit report with all 3 major credit bureaus and seen several inquiries from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX )XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), also that there was a XXXX XXXX account # XXXX with a {$400.00} dollar limit opened in XX/XX/XXXX that is not mine and matches none of my personal information, I reached out to all 3 major credit bureaus Experian, Equifax, Transunion with my concerns and received little to no help was told that inquiries even if fraudulent could not be removed and that I should call the companies, I then explained to all 3 credit bureaus that I contacted each credit about the inquiries and the creditors told me to call the major credit bureaus and explain my situation, I was still told that there was nothing that could be done and I am stuck with the Fraudulent Inquiries. I already have a thin credit profile and could possibly face further denial of credit and or goods because of these fraudulent inquiries. so i filed an identity theft report with the ftc in hopes that would help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
ON Friday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX  asking me for more information in regards to a credit application. I have never applied for any credit with XXXXXXXX XXXX  so I called the number provided in the email to inquire about the application. the agent told me that the ( XXXX XXXX  ) received a credit card application with my information on XX/XX/XXXX. I explained that I did not apply for any credit with their company and that any applications or open accounts should be cancelled and closed immediately. I then checked my credit report with all 3 major credit bureaus and seen several inquiries from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX )XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), also that there was a XXXX XXXX account # XXXX with a {$400.00} dollar limit opened in XX/XX/XXXX that is not mine and matches none of my personal information, I reached out to all 3 major credit bureaus Experian, Equifax, Transunion with my concerns and received little to no help was told that inquiries even if fraudulent could not be removed and that I should call the companies, I then explained to all 3 credit bureaus that I contacted each credit about the inquiries and the creditors told me to call the major credit bureaus and explain my situation, I was still told that there was nothing that could be done and I am stuck with the Fraudulent Inquiries. I already have a thin credit profile and could possibly face further denial of credit and or goods because of these fraudulent inquiries. so i filed an identity theft report with the ftc in hopes that would help..

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 2025-03-10 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: GA

Complaint narrative:
Credit I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX Account XXXX date last active not reporting correctly shows date of XX/XX/XXXX on XXXX also shows as and open account no active status. Equifax XX/XX/XXXX shows last active date on the account as This company was deleted from XXXX due to not being able to provide proof account was mine asking for the, to reinvestigate this account XXXX XXXX XXXX Account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Requested {$500.00} to be transfered to my personal bank account. they send 2 verification deposits to verify. 

{$500.00} was taken from my account on XX/XX/2025 and shoes COMPLETED.. 
They are telling me that it was denied and my funds were credited back to account. It has not. 

I have called 5 times and have been hung up on 4 of those times. They tell me the transaction has been denied and credited back but will not tell me what date. 

I am still missing {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was actively making payments toward my Capital One account, but due to a banking error, they were not properly processed. I was unaware of this and believed my account was in good standing. I request a reversal of the charge-off or a settlement that removes the derogatory mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Without warning and/or complete understanding that a reasonable person would require of a situation, the credit bureaus XXXX, Equifax and XXXX lowered my credit score XXXX points, overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card

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 2025-03-10 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card

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