vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I keep getting information saying that Im in the military and I never been in the military. Also keep stating that I have bankruptcy and I never had one Before. Then I can get EIN on irs site. Also IRS wont let me put pins on my kids info online. Cant open up bank accounts due to XXXX XXXX. This information is on my credit reports

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 2025-12-09 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: TX

Complaint narrative:
Duplicate Reporting of the Same Debt FCRA Violation I am filing a complaint because XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting the same {$130.00} debt on my credit report at the same time. 

XXXX XXXX reports : Charge-off {$130.00} past due XXXX XXXX XXXX XXXX reports : Collection Same {$130.00} debt This is duplicate reporting, which is misleading and violates FCRA 602 and 607 requiring fair and accurate reporting. 

The original creditor must update to : {$0.00} balance Closed/ Transferred/ Sold Instead, both companies list the same balance, causing score damage and confusion.

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 2025-12-09 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-09 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-09 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.

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In XX/XX/year>, I purchased/financed a mattress from XXXX and XXXX with XXXX XXXX. 

XX/XX/year> Copy and Pasted Delivery Information : " Delivery Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX Delivery Details Order Number XXXX Order Date XX/XX/year> Delivery Date Next available day Order Total Subtotal {$1700.00} Tax {$100.00} Deposit {$0.00} Total Balance Due {$1800.00} '' The mattress was delivered to that address on XX/XX/year>. 

On XX/XX/year> I received this email : " Thank you for opening a financing account. 
Your Welcome Kit containing your account number and other important information will arrive in the mail soon. 

Once you receive it, you can enroll in online account management and set your account preferences, like paperless statement and payment information. 

Already have your account number? No need to wait! '' -- From this point, I never received a single piece of mail or email from XXXX  or XXXX XXXX XXXX. I tried several times to login and pay my bill and I could not, because they did not send me a 'Welcome Kit ' with an account number. I had recently changed addresses, and they did not send it to either of my addresses. Eventually I learned this account was XXXX days past due, the first time I have ever had a late payment in my life. This has severely damaged my credit, and when I spoke to XXXX, they told me to take it up with the credit unions. They credit unions have reviewed my disputes and said the information is accurate, however I am still adding statements to my credit report for creditors to take into consideration, and I am requesting this be removed from my credit report. 

I was in a situation where I would have been happy to pay my bills, but I did not receive them. Once I finally spoke to someone at XXXX XXXX XXXXXXXX XXXX XXXX, they had no record of ever sending me a Welcome Kit or mail. They said they had tried to call me, but I did not receive a single voicemail, and am constantly inundated with spam calls. 

As promised, at the very least, I should have received a Welcome Kit with my account information so I could successfully pay my bills. This has been so damaging to my credit, and was only brought to my attention by a lender when I applied for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XX/XX/year>, I purchased/financed a mattress from XXXX and XXXX with XXXX XXXX. 

XX/XX/year> Copy and Pasted Delivery Information : " Delivery Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX Delivery Details Order Number XXXX Order Date XX/XX/year> Delivery Date Next available day Order Total Subtotal {$1700.00} Tax {$100.00} Deposit {$0.00} Total Balance Due {$1800.00} '' The mattress was delivered to that address on XX/XX/year>. 

On XX/XX/year> I received this email : " Thank you for opening a financing account. 
Your Welcome Kit containing your account number and other important information will arrive in the mail soon. 

Once you receive it, you can enroll in online account management and set your account preferences, like paperless statement and payment information. 

Already have your account number? No need to wait! '' -- From this point, I never received a single piece of mail or email from XXXX  or XXXX XXXX XXXX. I tried several times to login and pay my bill and I could not, because they did not send me a 'Welcome Kit ' with an account number. I had recently changed addresses, and they did not send it to either of my addresses. Eventually I learned this account was XXXX  days past due, the first time I have ever had a late payment in my life. This has severely damaged my credit, and when I spoke to XXXX, they told me to take it up with the credit unions. They credit unions have reviewed my disputes and said the information is accurate, however I am still adding statements to my credit report for creditors to take into consideration, and I am requesting this be removed from my credit report. 

I was in a situation where I would have been happy to pay my bills, but I did not receive them. Once I finally spoke to someone at XXXX XXXX XXXXXXXX XXXX XXXX they had no record of ever sending me a Welcome Kit or mail. They said they had tried to call me, but I did not receive a single voicemail, and am constantly inundated with spam calls. 

As promised, at the very least, I should have received a Welcome Kit with my account information so I could successfully pay my bills. This has been so damaging to my credit, and was only brought to my attention by a lender when I applied for a mortgage.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XX/XX/year>, I purchased/financed a mattress from XXXX and XXXX with XXXX XXXX. 

XX/XX/year> Copy and Pasted Delivery Information : " Delivery Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX Delivery Details Order Number XXXX Order Date XX/XX/year> Delivery Date Next available day Order Total Subtotal {$1700.00} Tax {$100.00} Deposit {$0.00} Total Balance Due {$1800.00} '' The mattress was delivered to that address on XX/XX/year>. 

On XX/XX/year> I received this email : " Thank you for opening a financing account. 
Your Welcome Kit containing your account number and other important information will arrive in the mail soon. 

Once you receive it, you can enroll in online account management and set your account preferences, like paperless statement and payment information. 

Already have your account number? No need to wait! '' -- From this point, I never received a single piece of mail or email from XXXX  or XXXX XXXX XXXX. I tried several times to login and pay my bill and I could not, because they did not send me a 'Welcome Kit ' with an account number. I had recently changed addresses, and they did not send it to either of my addresses. Eventually I learned this account was XXXX  days past due, the first time I have ever had a late payment in my life. This has severely damaged my credit, and when I spoke to XXXX, they told me to take it up with the credit unions. They credit unions have reviewed my disputes and said the information is accurate, however I am still adding statements to my credit report for creditors to take into consideration, and I am requesting this be removed from my credit report. 

I was in a situation where I would have been happy to pay my bills, but I did not receive them. Once I finally spoke to someone at XXXX XXXX XXXXXXXX XXXX XXXX, they had no record of ever sending me a Welcome Kit or mail. They said they had tried to call me, but I did not receive a single voicemail, and am constantly inundated with spam calls. 

As promised, at the very least, I should have received a Welcome Kit with my account information so I could successfully pay my bills. This has been so damaging to my credit, and was only brought to my attention by a lender when I applied for a mortgage.

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 2025-12-09 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: KS

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my credit report from Experian. I believe these accounts are inaccurately reported, and I request that they be investigated and corrected. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX, XXXX, XX/XX/XXXX, {$17000.00} XXXX, XXXX, XX/XX/XXXX, {$41000.00} XXXX, XXXX, XX/XX/XXXX, {$10000.00} XXXX, XXXX, XX/XX/XXXX, {$830.00} XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$13000.00} Inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payment Accounts : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CT

Complaint narrative:
Equifax sent two contradictory letters on the same date ( XX/XX/XXXX  ). 
One letter stated they could not locate my file and needed identity documents. 
The second letter referred to specific tradelines and stated my dispute was frivolous. 

These two statements are not compatible and reflect a failure to process my dispute appropriately.

Equifax violated : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 3 ) Improper frivolous designation without the required explanation FCRA 611 ( a ) ( 7 ) Failure to provide procedural information I submitted a legally valid dispute challenging inaccurate XXXX tradeline reporting. 
Instead of reinvestigating, Equifax issued a frivolous letter without specifying what information was missing. 

I am requesting CFPB intervention to require Equifax to : Accept my identity documents Properly process the dispute Provide method of verification details Conduct a lawful reinvestigation I am uploading both Equifax letters as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-09 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$85.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief