vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX  stating : We will obtain verification of the debt or copy of the judgement against you. If any, and will mail such verification of the debt or a copy of the judgement against you. '' Implying a judgement against me without due process. I sent XXXX  XXXX XXXX XXXX a letter stating that they can not state I will be notified of a judgement already placed without due process. 

I received a letter back stating they needed 30 days to investigate and respond. 

However they continued illegal practices, I arrived home at XXXX, Friday, XX/XX/XXXX, XXXX there was nothing in my entryway or on my property. 

Saturday, XX/XX/year>, XXXX, I was walking on the public sidewalk in front of my house and found a copy of court documents face up for public viewing that had been there for 23 hours for anyone in the neighborhood walking on the public sidewalk to view. The sidewalk is the pathway to the HOA park having heavy foot traffic. The court order of appearance has not been court stamped or signed by a judge " fake court orders ''. There is a staple that shows a couple pages have been torn off. 

I looked at my ring camera video to discover, Friday, XX/XX/year>, XXXX a large man was knocking on my door multiple times. He had papers in his hand that where stapled together. I know the front page was not a court order front page but something else. I believe he tore the pages viewable to the camera off and left the " fake '' court orders in view to the public on purpose. 

This is twice XXXX XXXX XXXX XXXX has violated, The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
When a bank reports incorrect information to credit bureaus, it violates the Fair Credit Reporting Act ( FCRA ), which mandates that information provided to credit reporting agencies must be accurate and complete. Under the FCRA, banks are obligated to ensure the accuracy of the information they report and to correct any inaccuracies promptly upon discovery. Failure to comply with these requirements can result in legal consequences, including potential lawsuits and financial penalties. 

Per our conversation on your recorded line, that I am more than happy to subpoena in a court of law, TD XXXX  is violating this law by inaccurately reporting a 30/60 day late payment. There were no late payments since I was not notified of a balance due on full and kept paying what the website was showing, which I have previously discussed with representatives, also on your recorded line. It should have not been reported like that to begin with as the information was inaccurate and is now inhibiting my ability to purchase a vehicle after mine was totaled in a recent accident. All I am asking is that the inaccuracy be corrected and the charge off to be removed as we agreed over the phone and a request be sent to the credit bureaus to update the inaccuracy immediately. If I do not see results in the next 3 weeks and hear back from a representative within 10 business days, I will seek legal action to the fullest extent. Please continue to reply via email only with confirmation that you understand my request and will work promptly to resolve the inaccuracies. All communication should be continued via email, as I am unable to take calls due to my work schedule and to keep a track of the lack of effort you guys have on correcting the mistake you've made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENT FOR ACCOUNT DETAILS AND IDENTITY VERIFICATION ] I am disputing multiple items on my credit reports that are inaccurate, inconsistent, or unverifiable under the Fair Credit Reporting Act ( FCRA ). These include a collection account reported by XXXX XXXX XXXX, outdated and incorrect personal information, and unauthorized hard inquiries. 

The XXXX XXXX XXXX collection account ( original creditor : XXXX XXXX ) appears under different account numbers and formats across Equifax, Experian, and TransUnion. The data fields such as account number, payment history, and account type vary between bureaus, resulting in inaccurate and duplicative reporting. The payment timeline includes illogical sequences ( e.g., an OK status followed by charge-off, then a 120-day late ), which violates Metro 2 formatting standards and FCRA 1681e ( b ). Despite previous disputes, this debt remains unvalidated under FDCPA 1692g ( b ), and XXXX XXXX has failed to provide any signed agreement or sufficient verification. I am requesting full deletion, not correction. 

Additionally, my credit file contains inaccurate personal information, including incorrect name variations, more than a dozen outdated addresses, phone numbers I never used, and employers I did not authorize to be listed. Even if some of this information was historically associated with past accounts, it no longer meets the standard of current accuracy and should be suppressed or deleted in accordance with FCRA 1681e ( b ). 

Lastly, I am disputing unauthorized hard inquiries on my TransUnion and Experian reports. These inquiries were not tied to any credit applications I knowingly submitted and violate FCRA 1681b due to lack of permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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

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 2025-07-31 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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

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 2025-07-31 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: NY

Complaint narrative:
I contacted Experian on XX/XX/XXXX  because there is unauthorized inquires reporting on my Experian credit report to this date Experian has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
Starting on XX/XX/XXXXXXXX  I opened an investigation with Experian against XXXX XXXX to look into a student loan account listed on my credit report that I had never opened or requested to be opened. The dispute was closed on XX/XX/XXXXXXXX  by Experian siding in my favor to remove the false loan from my account. Then on XX/XX/XXXXXXXX  the account is now listed once again on my credit report. The loan shows that it was taken out for {$390.00}. I contacted my college ( XXXXXXXX XXXX  previously XXXX XXXX ) originally about the loan and they told me it didn't exist. Then I reached out to XXXX multiple times and they directed me towards Experian.

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 2025-07-31 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED WITHOUT MY AUTHORIZING.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-31 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), XXXX XXXX is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, XXXX XXXX appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

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 2025-07-31 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: TX

Complaint narrative:
Dear XXXX  XXXX / CFPB, I am writing to file a formal complaint against Veros Credit LLC regarding an auto loan for a XXXX XXXX, financed for {$19000.00} on XX/XX/year>, and originally purchased from XXXX XXXX. 



Despite making consistent payments totaling over {$7000.00} since XX/XX/year>, my loan balance has only been reduced by approximately {$900.00}. A review of my account activity shows : Monthly payments being almost entirely applied to interest, with little to no reduction of principal Frequent and excessive late fees, often up to {$28.00} per month, being added as debit adjustments Payment reversals and charges that further delay balance reduction A finance structure that functions like an interest-only loan, which is deceptive and traps me in long-term debt This appears to violate fair lending and servicing practices, especially considering the APR of XXXX  %, and the loan being marketed to me as affordable and manageable. 



I am requesting your office to investigate Veros Credit LLC for potential : Predatory loan structuring Deceptive application of payments Failure to reduce principal in a reasonable timeline I am also happy to submit my signed contract and full payment history for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against both Experian and TransUnion for their continued reporting of inaccurate, unverifiable, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes, both consumer reporting agencies have failed to correct the errors or remove the account, as required by federal law. The account in question is being reported by TransUnion and Experian with a balance of {$27000.00}, which is inaccurate and not supported by any valid documentation. I have attached official paperwork directly from the creditor showing the correct balance, yet the incorrect amount remains on my credit file. XXXX, by comparison, is reporting a different balance of {$27000.00}, further confirming that the information across bureaus is inconsistent, inaccurate, and unreliable. I have submitted multiple disputes requesting investigation and correction of the balance and XXXX, and provided supporting documentation, yet the data has not been updated or removed. This demonstrates a failure to conduct a reasonable reinvestigation as required under FCRA 611 ( a ).

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