vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax file number XXXX XXXX I sent certified mail to Equifax with a dispute letter, my ID and a water bill equifax is stalling out the process sending back frivolous letters without investigation Equfax is costing me time and more money to send letters for things I had already sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: FL

Complaint narrative:
this company is illegally reporting fraudulent to XXXX XXXX XXXX XXXX. I have sent in proof such as FTC report, police reports and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
To Whom It May Concern, I recently became aware that my personal information was compromised in a national data breach. Upon reviewing my credit reports, I identified several accounts that I do not recognize.

I have requested debt validation from the credit reporting agencies ; however, the requested information has not yet been provided. As a result of my personal data being exposed, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the unfamiliar accounts. 

Attached, please find the following documents for your reference : A copy of my government-issued ID The FTC Identity Theft Report A copy of the XXXX report confirming that my information was included in the national data breach I respectfully request that you investigate and take appropriate action regarding the disputed accounts. 

Sincerely, 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 2025-09-30 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:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a third party collection agency for First Electronic Bank Destiny XXXX that has reported on my XXXX XXXX XXXX XXXX  credit report without properly validated their accounts. This company is attempted to use my current address in Arizona to make it appear that there is a connection between me and this debt collector. This company states that they concluded that their information is accurate Which is false. I attached their original documents they claim to have used to verify this debt and to show that they did not properly validated this account. If this company did a proper validation this company would have seen that the Texas address connected to these debt are not mines and this company will not remove these accounts from my report, which is affecting me negatively. I am affirming that these are not my debt. And I would like them to be permanently removed from my XXXX XXXX XXXX  credit report. This is my last attempt to have this company remove these accounts, before moving forward with legal arbitration against XXXX XXXX XXXX. Please view the attached documents to see the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I submitted disputes to the credit reporting agencies regarding inaccurate and unverifiable information appearing on my credit reports. Despite providing notice, the agencies failed to conduct a proper reinvestigation and continue to report information that is not in compliance with Metro 2 standards. This violates the Fair Credit Reporting Act ( FCRA ), including sections 1681i and 1681e ( b ), which require reasonable reinvestigation and maximum possible accuracy.

Additionally, my non-public personal information has not been properly safeguarded, in violation of the Gramm-Leach-Bliley Act ( GLBA ). I have suffered harm due to their negligence, including denial of credit opportunities and emotional distress.

I am requesting that the Consumer Financial Protection Bureau hold the credit reporting agencies accountable and require them to delete all inaccurate, unverifiable, and non-Metro 2 compliant information from my file and provide me written confirmation of compliance.

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 2025-09-30 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 am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Dear AFFIRM INC ; When I reviewed my credit report recently, I was surprised to see late payments reported on my AFFIRM account late on XX/XX/year> as being late XXXX. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I submitted an identity theft affidavit and supporting documents pursuant to FCRA 605B. By law, the bureau is required to block fraudulent information within XXXX business days of receipt. They have willfully ignored this federal mandate and continue to report the fraudulent bankruptcy/account. In addition, under FCRA 611, they must conduct a lawful reinvestigation and provide the name, address, and phone number of every entity contacted for verification. They failed to provide this, meaning the reporting is unverifiable, inaccurate, and in violation of my rights. This is a clear and willful noncompliance with federal law, and I am demanding immediate deletion and regulatory enforcement action for these violations.

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 2025-09-30 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: FL

Complaint narrative:
XXXX, Transuion, and XXXX  reports XXXX late payments in 2024 : XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX reports only XXXX late payments in XXXX  : XXXX, XXXX, XXXX. Since both pull data from XXXX XXXX, this proves XXXX XXXX is providing inconsistent and unreliable reporting, violating 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ).

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 2025-09-30 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: WA

Complaint narrative:
I challenged these items on my report and waited XXXX XXXX these items were not removed from the from my account and I requested documentation and I was sent nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I am formally disputing inaccurate and derogatory information appearing on my Experian credit file dated XX/XX/year>2025. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure all information you report is accurate, verifiable, and complete.

Upon reviewing my report, I identified charge-off accounts and late payment notations that are inaccurate, unverifiable, or misleading. These items are harming my credit profile and must be deleted.

My Dispute All Charge-Off Accounts : These accounts are inaccurately reported or unverifiable. Continued reporting without proper documentation violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

All Late Payment Notations : These are misleading and unverifiable, violating 15 U.S.C. 1681s-2 ( a ).

My Legal Rights Under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation within 30 days.

If the creditors fail to provide documented proof ( original signed contracts, complete payment history ), the information must be deleted immediately.

Continued reporting of unverifiable derogatory marks constitutes willful noncompliance under 15 U.S.C. 1681n and exposes Experian to civil liability.

FDCPA, 15 U.S.C. 1692e prohibits the use of false, deceptive, or misleading representations in connection with credit 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
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report concerning several late accounts. I take my financial obligations seriously, and it is both troubling and harmful to see my credit history misrepresented in ways that could damage my creditworthiness. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) specifically 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of reported information, and 1681i ( a ), which mandates reinvestigation of disputed items I am requesting a thorough reinvestigation of the following accounts : XXXX XXXX Balance : {$6.00} XXXX/XXXX  XXXX Balance {$1000.00} XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX/XXXX  XXXX Balance {$3800.00} XXXX/XXXX  XXXX Balance {$6300.00} XXXX/XXXX  XXXX Balance {$130.00} XXXX/XXXX  XXXX Balance {$1000.00} XXXX/XXXX  XXXX Balance {$3000.00} XXXX/XXXX  XXXX Balance {$6400.00} XXXX/XXXX  XXXX Balance {$2000.00} XXXX/XXXX  XXXX Balance {$4800.00} LATE CLOSED : XXXX XXXX XXXXXXXX Balance {$0.00} These accounts appear to contain inaccurate, inconsistent, or unverifiable late payment histories. Such reporting fails to reflect my true payment record and creates a misleading portrayal of my financial responsibility.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Issue : Incorrect account information and inaccurate addresses on credit report What happened : I attempted to dispute inaccurate information on my Experian credit report online. Instead of allowing me to submit my dispute, Experian blocked me with the following message : For security reasons, we can not process your dispute online. Please contact us below. Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 

This prevents me from disputing online, even though I have successfully done so in the past. TransUnion and Equifax both allow me to dispute directly online. I believe Experian is creating an unnecessary barrier to exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

I need to dispute the following items on my Experian report : Inaccurate Account Reporting Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/year> Current Status Listed : Paid, Closed. {$1400.00} written off. 

Problem : This is inaccurate. The account was paid off and should not reflect a written off status. I request correction to reflect Paid in full / Paid as agreed or removal if Experian can not verify. 

Inaccurate Addresses to be Removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me and should be removed from 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/year> XXXX Earlier tonight, I've received a digital letter stating that my bank was closing all of my accounts. In the document, it also states that the accounts will be closed within XXXX calendar days and they restricted my accounts. I can't use my debit cards to make pay or make any payment and I can't transfer my funds to a different account. I had called a representative right after I've received the letter and they told I have to call them back in XXXX days and/or tomorrow morning to resolve the issue.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Issue : Inaccurate credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Details : I disputed inaccurate information with the credit bureaus The account in question is : Creditor/Furnisher : XXXX XXXX Account Number : XXXX The tradeline is reporting contradictory and inaccurate information. Specifically : The account is marked as charged off but also shows never late. An account can not be both charged off and never late simultaneously. 
The account was paid but the credit report is still showing a charge-off and/or balance, which is inaccurate. 

This misreporting violates the accuracy requirements under FCRA 602 ( A ) and FCRA 623 ( furnisher responsibility ). It harms my creditworthiness and causes financial damage.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Issue : Inaccurate credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Details : I disputed inaccurate information with the credit bureaus The account in question is : Creditor/Furnisher : XXXX XXXX Account Number : XXXX The tradeline is reporting contradictory and inaccurate information. Specifically : The account is marked as charged off but also shows never late. An account can not be both charged off and never late simultaneously. 
The account was paid but the credit report is still showing a charge-off and/or balance, which is inaccurate. 

This misreporting violates the accuracy requirements under FCRA 602 ( A ) and FCRA 623 ( furnisher responsibility ). It harms my creditworthiness and causes financial damage.

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 2025-09-30 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXXXXXX Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXXXXXX Date of Inquiry : XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-09-30 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 disputed fraudulent accounts with Experian and provided an FTC Identity Theft Report along with proper documentation. These accounts were opened without my knowledge or consent. Despite this, Experian continues to report these fraudulent accounts on my file. I filed a CFPB complaint about this matter last month, but more than 30 days have passed with no resolution. This failure to act is a clear violation of my rights under the FCRA, and Experian has failed to fulfill its legal obligation to block and remove fraudulent accounts.

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