vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-05 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 formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am sending this complaint to bring to your attention several accounts on my credit file that, upon careful review, do not appear to fully reflect the way I have responsibly managed my financial obligations. Over time, I have made every effort to honor my agreements with creditors, and while minor timing discrepancies XXXX have occurred, each account has ultimately been paid in accordance with the agreed terms. I am therefore requesting a reinvestigation and correction of these accounts to accurately show them as paid as agreed. 
XXXX XXXX * * * * Balance : {$280.00} late 30 days XX/XX/year> XXXX FCU XXXX * * Balance : {$150.00} late 30 days XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} late 60 days XXXX  XXXX * * * * Balance : {$0.00} late 60 days XXXX XXXX * * * * * * Balance : {$0.00} late 30 days XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} Date XXXX up As XXXX highlighted in FCRA 602, the purpose of the Fair Credit Reporting Act is to promote fairness, impartiality, and the accuracy of consumer information. With that principle in mind, I am asking Experian to apply the same standard of fairness by ensuring my credit file accurately reflects my actual payment history. I am aware that under FCRA 611 ( 15 U.S.C. 618i ), I have the right to dispute inaccurate or incomplete information, and that Experian is required to conduct a reasonable investigation of disputed items. Likewise, FCRA 623 ( a ) ( 2 ) and 623 ( b ) place the responsibility on furnishers to correct inaccurate information and investigate the facts once notified, reinforcing my right to request these corrections.

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 2025-12-05 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have notice they seem to pop up on my report randomly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX EquifaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE OF UNAUTHORIZED HARD INQUIRIES & UNVERIFIED COLLECTION ACCOUNTS REQUEST FOR IMMEDIATE INVESTIGATION & REMOVAL UNDER FCRA/FDCPA/HIPAA To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing several items appearing on my consumer credit report. These include multiple unauthorized hard inquiries and unverified or inaccurately reported collection accounts.

Under FCRA 602A, 604, 607 ( b ), 609 ( a ), 611 ( a ), and 615, as well as FDCPA 809 ( b ) and the HIPAA Privacy Rule, I am requesting an immediate reinvestigation and deletion of all items that can not be fully verified. 
SECTION 1 UNAUTHORIZED HARD INQUIRIES I did NOT authorize the following companies to access my credit file. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Required verification : Provide signed authorization, proof of permissible purpose, and all application data. Under FCRA 611 ( a ) ( 5 ), unverifiable inquiries must be deleted. 
SECTION 2 DISPUTED COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX XXXX {$500.00} ( Medical Debt ) Violations : No itemized billing, no HIPAA-compliant proof, missing DOFD.

Action Requested : Delete immediately. 
XXXX. XXXX XXXX XXXX {$3500.00} Violations : No validation, no contract, inaccurate reporting.

Action Requested : Delete immediately. 
XXXX. XXXX XXXX XXXX {$2000.00} Violations : No proof of ownership, no contract, possible re-aging.

Action Requested : Delete immediately.

SECTION 3 REQUESTED ACTION - Perform a full reinvestigation under FCRA 611 ( a ) - Delete all unverified inquiries and accounts - Provide the Method of Verification - Issue an updated corrected credit report SECTION 4 NOTICE OF RIGHTS If inaccurate or unverified items remain, I may file complaints with the CFPB, FTC, and XXXX  Attorney General. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : XXXX Email : 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 2025-12-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX EquifaXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE OF UNAUTHORIZED HARD INQUIRIES & UNVERIFIED COLLECTION ACCOUNTS REQUEST FOR IMMEDIATE INVESTIGATION & REMOVAL UNDER FCRA/FDCPA/HIPAA To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing several items appearing on my consumer credit report. These include multiple unauthorized hard inquiries and unverified or inaccurately reported collection accounts.

Under FCRA 602A, 604, 607 ( b ), 609 ( a ), 611 ( a ), and 615, as well as FDCPA 809 ( b ) and the HIPAA Privacy Rule, I am requesting an immediate reinvestigation and deletion of all items that can not be fully verified. 
SECTION 1 UNAUTHORIZED HARD INQUIRIES I did NOT authorize the following companies to access my credit file. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Required verification : Provide signed authorization, proof of permissible purpose, and all application data. Under FCRA 611 ( a ) ( 5 ), unverifiable inquiries must be deleted. 
SECTION 2 DISPUTED COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX XXXX {$500.00} ( Medical Debt ) Violations : No itemized billing, no HIPAA-compliant proof, missing DOFD.

Action Requested : Delete immediately. 
XXXX. XXXX XXXX XXXX {$3500.00} Violations : No validation, no contract, inaccurate reporting.

Action Requested : Delete immediately. 
XXXX. XXXX XXXX XXXX {$2000.00} Violations : No proof of ownership, no contract, possible re-aging.

Action Requested : Delete immediately.

SECTION 3 REQUESTED ACTION - Perform a full reinvestigation under FCRA 611 ( a ) - Delete all unverified inquiries and accounts - Provide the Method of Verification - Issue an updated corrected credit report SECTION 4 NOTICE OF RIGHTS If inaccurate or unverified items remain, I may file complaints with the CFPB, FTC, and XXXX  Attorney General. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : XXXX Email : 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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Couldnt open app and log into account was locked out and then finally hours later was able to login and say a fraudulent charge of {$62.00} account recovery I dont owe or recognize this charge and didnt even know or approve it XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-05 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I am 100 % XXXX and retired from XXXX XXXX. I keep being harassed by collect companies listed on my credit reports, by being told they will sue, damage my credit and garnish my wages. There is also repeated calls about a home or land to sell, I have nothing to do with, located somewhere in NC. I have been a victim of credit fraud but have never sought a legal means of verification. I would like verification by my signature of these accounts, which has never been provided. Could you have these collection companies cease and desist, along with removing whatever debts they keep reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To whom it may concern, I broke my hand a year and a half ago. When I broke my hand I contacted your company on several occasions telling you guys I was off of work due to my hand, that I would get my account current as soon as I could. I am a single mom so when I went off of work this hurt me and my household bad. The only money I had coming in was cash assistance and food stamps. I ended up going back to work in XXXX of 2024 and shortly after started calling around trying to get myself back on track. It took me longer that I had wanted it to take but in time I did get my account paid off. In the process of all of this I remained in contact with you guys and I communicated that I was out of work and would get back on track. Just as I started to get back to work I got a letter from you guys saying my account was written off. This hurt my credit really bad. Before this happened to my hand my credit score was a XXXX and I had XXXX percent of my payments made on time. I am asking you to please remove the missed payments since I was medically unable to make the payments and I did pay the bill off and that is not even reflecting on my three credit reports. Also my three reports show 3 different dates that this account was opened so that is also incorrect. 

Thank you, 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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I am 100 % XXXX and XXXX  from XXXX XXXX. I keep being harassed by collect companies listed on my credit reports, by being told they will sue, damage my credit and garnish my wages. There is also repeated calls about a home or land to sell, I have nothing to do with, located somewhere in NC. I have been a victim of credit fraud but have never sought a legal means of verification. Could you have these collection companies cease and desist, along with removing whatever debts they keep reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
Please take a moment to review this entry ; it may have errors due to the hour.

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