vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-28 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: GA

Complaint narrative:
Equifax, This letter serves as final notice before legal action. I am notifying you that I will be pursuing a federal lawsuit against Equifax for your continued involvement in fraudulent and illegal credit reporting practices. 

For years, I have submitted disputes regarding inaccurate and fraudulent inquiries and accounts that appear on my credit profile. Despite providing documentation and submitting multiple disputes, Equifax has failed to conduct proper investigations as required under the Fair Credit Reporting Act ( FCRA ), and has repeatedly verified fraudulent accounts and inquiries as valid. 

This ongoing negligence and willful misconduct has allowed identity thieves to continue using my personal information to commit fraud in my name. By knowingly reporting inaccurate information and refusing to remove fraudulent inquiries, Equifax is directly participating in credit reporting fraud, wire fraud, and identity theft. 

On numerous occasions, including but not limited to disputes filed in [ list months/years if XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ], I submitted disputes through Equifaxs online system and by mail. Each time, my disputes were dismissed without proper reinvestigation, leaving fraudulent inquiries and accounts on my profile. I have retained copies of every submission as proof of Equifaxs noncompliance. 

This is the last time I will submit a complaint through the Consumer Financial Protection Bureau ( CFPB ) regarding your unlawful actions. From this point forward, I will be moving ahead with filing a federal lawsuit that will include claims for : Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Negligence and willful noncompliance in failing to reinvestigate disputes XXXX and aiding/abetting identity theft through continued false reporting Participation in corrupt and unlawful credit reporting practices Equifax has had more than sufficient notice and opportunity to correct these illegal practices, and your refusal to comply leaves no alternative but to escalate this matter through the federal courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
Experian, TransUnion, and Equifax are reporting inconsistent and unverifiable information on my credit reports, despite multiple disputes. Examples include : - Late payment inconsistencies : The same accounts are reported differently across bureaus. For example, XXXX XXXX XXXX XXXX ( credit card and auto loan ) shows 30/60/90/120-day late payments depending on the bureau. XXXX and XXXX XXXX accounts also show different late histories across reports. - Debt inaccuracies : XXXX is reported with conflicting balances ( one account settled at {$0.00}, another showing {$1400.00} balance ). Collections accounts show a {$430.00} balance reported differently across bureaus. XXXX and XXXX XXXX XXXX loan balances are also inconsistent. - Unverifiable information : Some accounts show as charge-offs on one bureau, but with unknown or different statuses on others. XXXX accounts show on Experian but not on TransUnion/Equifax. These discrepancies demonstrate that the information is not accurate, consistent, or verifiable, as required under the Fair Credit Reporting Act ( FCRA ). I request that the CFPB ensure the credit bureaus and creditors provide documented proof of the accuracy of these accounts. If they can not provide proper verification, I request that the inaccurate late payments, charge-offs, and collections be deleted from my 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 2025-08-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Failure to Resolve Billing Error Dispute, Violations of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct or properly investigate a billing error that I have disputed multiple times over the past three months. Despite sending three separate dispute letters with complete identification and supporting documentation, the following inaccurate items remain on my credit file : XXXX XXXXXXXX Late Payment ( Open ), Account ending in XXXX Department of EducationXXXX Late Payment ( Open ), Account ending in XXXX ( two entries ) Under 15 U.S.C. 1666 ( FCBA ), creditors and reporting agencies are required to : Acknowledge a billing error dispute within 30 days, Investigate and correct the error within two

billing cycles ( not more than 90 days ), and Provide a written explanation with documentation relied upon in the decision. The bureaus have failed to comply with these obligations. To date, they have not corrected the billing error, supplied the documentation relied upon, or provided any lawful resolution. This failure also constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires maximum possible accuracy in credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-28 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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

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 2025-08-28 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-28 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: NC

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MD

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 any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
On XX/XX/year>, my XXXX XXXX limit with Current was improperly and significantly reduced. My account has a consistent three-year history of qualifying for and successfully using a {$750.00} Paycheck Advance, which I always repaid on time. I had just repaid my last {$750.00} advance on the same day. 

I believe this reduction was caused by a system error that occurred when I re-established my direct deposit. The system incorrectly treated it as a new deposit history, which triggered the limit decrease. 

I immediately contacted Current 's in-app chat support to report the issue. I explained my three-year history and the nature of the emergency. After speaking with multiple representatives, I was transferred to a supervisor, XXXX. 

The supervisor, XXXX, refused to manually review my account or correct the system error. He repeatedly gave me the same unhelpful, scripted responses as the virtual assistants and insisted that the limit was set by a system that can not be manually overridden. He then abruptly ended the chat without providing any resolution, leaving the issue unresolved. 

I have exhausted all direct channels to resolve this issue with the company. I have provided them with documentation of the system error and their refusal to correct it. Their failure to fix a clear and documented system mistake has caused me severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Since the loan you approved was a result of identity theft. Please provide prove that where did you sent the money and under what name. Which bank and what account number? Date? Amount? 

I was told that you sent money to a XXXX XXXX XXXX account, however, i contacted XXXX and there is no such account was open under my name. Plus, all my XXXX  accounts were closed in XX/XX/XXXX. This identity theft account was open in XX/XX/XXXX. 

I have been contact with you ever since I find out about this identity theft and no one have response to me and i have the attached XXXX mails to prove. 

My lawyer also sent you a letter on XX/XX/XXXX and you haven't response to that either.

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 2025-08-28 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: NY

Complaint narrative:
I am submitting this complaint because Equifax continues to report a 60-day late payment in XXXX XXXX ; XX/XX/XXXX ; XXXX. XXXX to XXXX XXXX ; XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite my request for verification. I formally disputed this entry and requested proof per the FCRA, but no supporting documentation was provided. Equifax failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my XXXX  credit file under Account Number XXXX, Balance {$3000.00}, Date Opened XX/XX/year>. I have disputed this tradeline with XXXX  and directly with Portfolio Recovery Associates. XXXX has failed to provide proper validation of the debt and continues to report inaccurate and unverifiable information in violation of the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). XXXX has ignored my disputes and continues to harm my creditworthiness by reporting unverifiable and inaccurate information. I request CFPB intervention to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I disputed an account from Portfolio Recovery Associates ( original creditor : XXXX XXXX  ) with XXXX XXXX XXXX and directly with them. The account had already been resolved through court settlement, and under PRAs public policy, it should have been deleted within 30 days.

Portifolio failed to delete the account and continues reporting it as open and in collection. PRA has not followed its policy nor verified the debt properly. This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request : Immediate deletion from all Credit Agencies Written confirmation from PRA This false reporting has harmed my credit standing and caused distress. I will sue within 30 days if account is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am submitting this XXXX  round formal follow-up complaint regarding inaccurate reporting and improper inquiries appearing on my credit file.The account in question is currently reported as a Profit and Loss Write-Off or Charge-Off. I would like to make it clear that no IRS Form 1099-C has been issued to me regarding this account. Under IRS regulations, when a debt of {$600.00} or more is canceled or forgiven, the creditor is required to issue Form 1099-C to both the consumer and the IRS. The absence of this form confirms that the debt has not been formally canceled, and therefore the current reporting is incomplete, misleading, and inaccurate.

Under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), you are obligated to ensure maximum accuracy in reporting. Continuing to list this account as a charge-off without supporting documentation constitutes noncompliance. 
Unlawful & Unauthorized Inquiries I am also demanding the removal of the following inquiries, which were made without my consent and in violation of FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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