vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 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: TN

Complaint narrative:
I am writing to dispute the following information on my Equifax credit report. I believe these accounts have been incorrectly reported and need to be corrected or removed. 

CHARGED OFF XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am submitting this dispute regarding inaccurate and unverifiable information on my Experian credit report. After carefully reviewing my report, I found multiple accounts and inquiries that are incomplete, misleading, or improperly reported, in violation of the Fair Credit Reporting Act. 

CHARGED-OFF ACCOUNTS ( EXPERIAN ) XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$790.00} ) XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$630.00} ) XXXX XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$520.00} ) XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$4000.00} ) XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$1000.00} ) XXXX XXXX Account XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) These accounts contain inaccuracies such as inconsistent reporting, missing contractual proof, and incomplete payment histories. If Experian can not fully verify these accounts with proper documentation, they must be removed. 

INQUIRIES ( EXPERIAN ) 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 XXXXXX/XX/XXXX I do not recall authorizing these inquiries and request documentation showing permissible purpose. Any inquiry that can not be verified must be deleted. 

LATE PAYMENTS ( EXPERIAN XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # 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 2025-12-15 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: TN

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 2025-12-15 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: TN

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 2025-12-15 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: FL

Complaint narrative:
I am a consumer trying to correct inaccuracies on my credit reports. Below are the specific items I am disputing with each credit bureau. I am requesting a full investigation and correction of these errors, as they do not accurately reflect my credit history or account status. 

XXXX Accounts : XXXX ( Account ending in XXXX XXXX XXXX XXXX, Date : XX/XX/year>, Amount : XXXX ) * Please verify this charged-off account for accuracy. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) to ensure the data reported is correct. 

Inquiries : No disputes at this time. 

XXXX  Payments : XXXX  ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the reported late payments. Please verify this information with the furnisher and provide documentation. Remove any unverifiable data. 

Positive Accounts : No dispute at this time.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted this letter to Equifax and I did not get a response. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Reinvestigation of Disputed Items Under 15 U.S.C. 1681i ( a ) ( 7 ) To Whom It May Concern, This letter serves as my formal demand for reinvestigation of the following inaccurate and/or unverifiable items listed on my Equifax credit report in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Please be advised that I am fully aware of my rights under federal law and expect your immediate compliance. 

Disputed Items : XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is required to conduct a reasonable reinvestigation of any disputed information unless it can verify the accuracy of the reported data. Simply parroting information from a data furnisher without a meaningful, independent review does not satisfy your legal obligations. Courts have ruled against credit reporting agencies that fail to conduct proper investigations, including : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Holding that a credit reporting agency may not rely solely on a data furnishers verification without performing its own reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Establishing that a credit bureau must go beyond superficial procedures to ensure the accuracy of reported information. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Affirming that failure to conduct a reasonable investigation into a consumers dispute constitutes a violation of the FCRA. 

If Equifax fails to conduct a proper reinvestigation, remove the inaccurate information, or provide verification that meets the requirements of the FCRA, you will be in direct violation of federal law. Additionally, under 15 U.S.C. 1681n and 1681o, you may be held liable for actual damages, statutory damages, and attorneys fees if I am forced to take legal action.

I demand that you complete the reinvestigation within the legally mandated 30-day period and provide me with a written response detailing your findings. If you fail to do so, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please send all correspondence regarding this matter to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NY

Complaint narrative:
I submitted this letter to Equifax and I did not get a response. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Reinvestigation of Disputed Items Under 15 U.S.C. 1681i ( a ) ( 7 ) To Whom It May Concern, This letter serves as my formal demand for reinvestigation of the following inaccurate and/or unverifiable items listed on my Equifax credit report in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Please be advised that I am fully aware of my rights under federal law and expect your immediate compliance. 

Disputed Items : XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is required to conduct a reasonable reinvestigation of any disputed information unless it can verify the accuracy of the reported data. Simply parroting information from a data furnisher without a meaningful, independent review does not satisfy your legal obligations. Courts have ruled against credit reporting agencies that fail to conduct proper investigations, including : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Holding that a credit reporting agency may not rely solely on a data furnishers verification without performing its own reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Establishing that a credit bureau must go beyond superficial procedures to ensure the accuracy of reported information. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Affirming that failure to conduct a reasonable investigation into a consumers dispute constitutes a violation of the FCRA. 

If Equifax fails to conduct a proper reinvestigation, remove the inaccurate information, or provide verification that meets the requirements of the FCRA, you will be in direct violation of federal law. Additionally, under 15 U.S.C. 1681n and 1681o, you may be held liable for actual damages, statutory damages, and attorneys fees if I am forced to take legal action.

I demand that you complete the reinvestigation within the legally mandated 30-day period and provide me with a written response detailing your findings. If you fail to do so, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please send all correspondence regarding this matter to the address listed above. 

Sincerely, 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 2025-12-15 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: GA

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 No disputed charged-off accounts for XXXX. 

Inquiries XXXX  XXXX XXXX XXXX XX/XX/year>XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX Date XXXX XX/XX/scrub>XXXX XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> Positive Accounts No disputed positive accounts for XXXX 

Late Payments No disputed late payments for 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 2025-12-15 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 submitting this complaint regarding inaccurate and incomplete credit reporting by XXXX XXXX XXXX XXXX XXXX XXXX, with the account later reported as sold to XXXX XXXX. 

The account details as currently reported on my credit file are as follows : Creditor : XXXX XXXX / XXXX XXXX XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Original Credit Limit : {$600.00} High Balance : {$770.00} Status : Petition for XXXX XXXX Bankruptcy / Never Late Date of Status : XX/XX/XXXX Recent Balance : Not Reported Monthly Payment : Not Reported Responsibility : Individual Sold To : XXXX XXXX XXXX previously disputed this account directly with the credit reporting agencies. However, I was notified that the item remained unchanged following a reinvestigation completed in XX/XX/XXXX. I believe the information being reported is inaccurate, misleading, and/or incomplete, and does not comply with the Fair Credit Reporting Act ( FCRA ). 

The basis of my complaint includes : The account reflects conflicting and incomplete information, including : No recent balance reported No monthly payment amount Unclear reporting following a XXXX XXXX bankruptcy filing The account is marked as Never Late, yet still appears to negatively impact my credit profile. 
The account was reportedly sold to XXXX XXXX, raising concerns about duplicate, outdated, or improperly transferred reporting. 
The furnisher failed to correct or adequately investigate the disputed inaccuracies during the prior reinvestigation.

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 2025-12-15 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete credit reporting by XXXX XXXX XXXX XXXX XXXX XXXX, with the account later reported as sold to XXXX XXXX. 

The account details as currently reported on my credit file are as follows : Creditor : XXXX XXXX / XXXX XXXX XXXX  Account Type : Credit Card Date Opened : XX/XX/XXXX Original Credit Limit : {$600.00} High Balance : {$770.00} Status : Petition for XXXX  XXXX Bankruptcy / Never Late Date of Status : XX/XX/XXXX Recent Balance : Not Reported Monthly Payment : Not Reported Responsibility : Individual Sold To : XXXX XXXX XXXX previously disputed this account directly with the credit reporting agencies. However, I was notified that the item remained unchanged following a reinvestigation completed in XX/XX/XXXX. I believe the information being reported is inaccurate, misleading, and/or incomplete, and does not comply with the Fair Credit Reporting Act ( FCRA ). 

The basis of my complaint includes : The account reflects conflicting and incomplete information, including : No recent balance reported No monthly payment amount Unclear reporting following a XXXX  XXXX bankruptcy filing The account is marked as Never Late, yet still appears to negatively impact my credit profile. 
The account was reportedly sold to XXXX XXXX, raising concerns about duplicate, outdated, or improperly transferred reporting. 
The furnisher failed to correct or adequately investigate the disputed inaccuracies during the prior reinvestigation.

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 2025-12-15 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: NC

Complaint narrative:
I am submitting this complaint because XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  ( XXXX ) are furnishing inaccurate, inconsistent, and unverifiable information to the credit reporting agencies, and Equifax, Experian, and TransUnion continue to report this information despite repeated disputes and clear evidence that it can not be verified as required by federal law. 

The accounts involved are XXXX XXXX account ending in XXXX, XXXX XXXX  account ending in XXXX, and XXXX XXXX XXXX ( XXXX ) card ending in XXXX. I have disputed these accounts multiple times directly with the credit bureaus, providing detailed explanations of the inaccuracies and requesting verification. In response, the bureaus repeatedly state that the information was verified, yet no actual documentation has ever been provided to me, such as billing statements, payment histories, payment application records, or any proof supporting the alleged late payments or negative account statuses. 

The information being reported is internally inconsistent and does not match across the credit bureaus. Payment histories, dates, and delinquency codes differ from bureau to bureau, and in some instances the reported late-payment totals contradict the monthly payment grids themselves. These contradictions make it impossible for the information to be accurate. All three credit reporting agencies can not be correct when they are each reporting different versions of the same account history. 

Under the Fair Credit Reporting Act, credit reporting agencies are required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when a dispute is submitted. Simply relying on automated responses from furnishers without reviewing actual records does not meet this legal standard. Additionally, under the Fair Credit Billing Act, when a consumer disputes an alleged billing error or late payment, the creditor must be able to produce documented proof showing the accuracy of the billing and payment history. None of the furnishers involved in this complaint have provided such documentation. 

Despite this lack of proof, the bureaus continue to report negative information that can not be substantiated, causing ongoing harm to my credit profile. The continued reporting of unverifiable and contradictory data demonstrates a failure by both the furnishers and the credit bureaus to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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