vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: CO

Complaint narrative:
I am submitting this complaint regarding Equifaxs willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), which have caused severe harm to my financial and personal well-being. 
Despite submitting XXXX formal disputes of inaccurate, incomplete, and unverifiable information on my consumer credit report ( most recently on XXXX ), Equifax has failed to reasonably reinvestigate my claims as required by 15 U.S.C. 1681i. The same-day responses I received stated that the results remain unchanged, providing no explanation, documentation, or evidence of any investigation. 
The inaccurate items include multiple accounts, such as XXXXXXXX XXXX XXXX  case entries, showing No Data Available for a combined total of XXXX months. These unverifiable and misleading entries are clearly in violation of FCRA. 
Impact on My Life : As a direct result of Equifaxs reporting, I have been : Denied credit on every account ( including a student loan for schooling ) Denied housing, resulting in homelessness Unable to obtain a drivers license and car, further impeding my stability Denied employment opportunities Forced to endure severe emotional distress and hardship Requested Remedies : I respectfully request that the CFPB : Investigate Equifaxs repeated failures to conduct reasonable reinvestigations Order immediate correction or permanent deletion of all inaccurate, incomplete, and unverifiable information from my credit report Ensure compensation for the significant damages and harm I have suffered, including financial, emotional, and personal hardship Take enforcement action against Equifax to prevent further violations Thank you for your urgent attention to my case. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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'm incarcerated and have been since XX/XX/year> I have been dealing with this problem with my credit for some time now. This problem is persistent please help to have these companies to remove all negative information and stop reporting this information to my credit report. I have sent letters certified letter and the required documents. Police report ftc report 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 2025-12-27 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: GA

Complaint narrative:
I'm incarcerated and have been since XX/XX/year> I have been dealing with this problem with my credit for some time now. This problem is persistent please help to have these companies to remove all negative information and stop reporting this information to my credit report. I have sent letters certified letter and the required documents. Police report ftc report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-12-27 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
XXXX XXXX CFPB response is contradicted by its own written communications and internal payment ledger. 
On XX/XX/year>, XXXX emailed me stating that my missed XX/XX/XXXX payment was deferred to the end of the loan and that my account was current. XXXX XXXX XXXX XXXX independently confirms this by stating : DELINQUENCY CURED BY DEFERMENT NOT BY PAYMENT. 
Despite this, XXXX later told the CFPB that the account remained more than 30 days past due and that a 30-day late was valid. These positions are inconsistent and can not both be accurate. 
The ledger also shows payments accepted and applied after XX/XX/XXXX, including payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, contradicting XXXX claim that no payments were made. 
Repossession activity occurred on or around XX/XX/year>, while an extension was active and after the account had been declared current. XXXX is now attempting to justify adverse reporting and repossession in contradiction of its own records.

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 2025-12-27 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: LA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding continued inaccurate and unverifiable reporting on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I previously disputed these accounts directly with the credit reporting agencies and furnishers. Despite my disputes, the inaccurate information remains on my credit report, indicating that a reasonable investigation was not conducted as required under FCRA 1681i and 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The late payment status being reported is inaccurate. I never had late payments on this account. This is a dispute of inaccurate reporting, not a request for deletion. Please correct the payment history to reflect accurate information as required by law. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Late Payment This account is reporting late payments that are not accurate. The payment history is being misreported. I am disputing the accuracy of the late payment history and requesting correction only, as required under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$410.00} Collection I have no knowledge of this account. I do not recognize this debt, and it has not been properly validated. This account is unverified and inaccurately reported. I am requesting a full investigation and deletion of this account if it can not be properly verified as required under FCRA 1681i. 
XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection I have no knowledge of this account. This collection is reporting without proper verification. If the furnisher can not provide competent evidence that this account belongs to me, it must be deleted immediately. 
I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to comply with their obligations under the Fair Credit Reporting Act by conducting reasonable investigations and correcting or deleting any information that is inaccurate, incomplete, unverifiable, or duplicated. I am requesting written confirmation of the actions taken to resolve this complaint.

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 2025-12-27 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: UPGRADE, INC.
State: TX

Complaint narrative:
Product : Credit reporting Issue : Charged-off account inaccurately reported Company : Upgrade , Inc .

Complaint Narrative I am disputing the continued reporting of this charged-off account as an outstanding balance owed. I never received a Form 1099-C for this account.

If this debt was canceled, forgiven, or written off for tax purposes, a 1099-C must have been issued and provided to me. Please supply a copy and the date of cancellation.

If no 1099-C exists, provide documentation showing that no tax benefit was taken and proof that the debt remains legally enforceable.

Continued reporting without this verification constitutes inaccurate reporting under FCRA 623 and 1681e ( b ).

If Upgrade can not substantiate the accuracy and tax treatment of this account, deletion is required. Failure to comply will support escalation, including a Notice of Intent to Sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Complaint Regarding Improper Account Freeze and Resulting Financial Harm I am submitting this complaint regarding XXXX XXXX decision to freeze my CashPlus account without notice, which caused significant financial harm. 

I maintain both a brokerage account and a XXXX account with Morgan Stanley. My brokerage account was properly disclosed to my employer in accordance with required trade monitoring policies. The XXXX account was not disclosed because Morgan Stanley explicitly markets and represents XXXX as a checking account used for everyday banking activities, not as a brokerage or trading account. 

Despite this, Morgan Stanley froze my XXXX account without providing any prior notice, warning, or opportunity to resolve any perceived issue. I received no advance communication explaining that the account would be shut down or restricted. 

As a direct result of this unexpected freeze, I was unable to access funds needed for ordinary living expenses. I missed rent and credit card payments, incurred late fees, and experienced significant disruption to my personal finances. These consequences were entirely avoidable had Morgan Stanley provided notice or followed reasonable consumer banking practices. 

At no point did Morgan Stanley explain why a product sold as a checking account was subject to sudden restriction tied to brokerage compliance requirements. Freezing a consumer banking account without notice is unreasonable and inconsistent with how checking accounts are typically treated, especially when the customer is using the account solely for routine payments and not for securities transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I'm currently incarcerated and I'm a victim of identity theft. I have been incarcerated since XX/XX/year>. I have written to XXXX  XXXX XXXX certified letter and sent them the requested documents they asked for. This account is still reporting to my credit report. Please have the company to remove all negative information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding impermissible and excessive hard inquiries reported on my TransUnion credit report by XXXX and XXXX Mortgage. 

TransUnion is reporting six ( 6 ) hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These inquiries occurred over a period of more than six months and are not within any recognized mortgage shopping window. Reporting these inquiries as separate hard pulls is inaccurate and excessive.

Under 15 U.S.C. 1681b ( a ) ( Fair Credit Reporting Act ), a consumer report may only be furnished for a permissible purpose. Repeated inquiries require separate written authorization for each pull, which XXXX  has not produced.

Under 15 U.S.C. 1681e ( b ), TransUnion is required to ensure maximum possible accuracy. Reporting multiple third-party inquiries without verifying authorization constitutes a failure of this duty.

Under 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation and delete information that can not be verified. To date, XXXX  has failed to verify permissible purpose or authorization for each inquiry.

I am requesting immediate deletion of all impermissible inquiries and written confirmation of the corrections made to 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 2025-12-27 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: GA

Complaint narrative:
I disputed multiple inaccurate and unverified late-payment entries on my credit report with Experian, Equifax, and TransUnion. The accounts in question include XXXX XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These tradelines contain 30-, 60-, and 90-day late payments that I believe were reported in error, and without proper validation.

For example, XXXX stated in writing that they do not report to credit bureaus until a borrower is 90+ days delinquent. However, my credit report reflects multiple 30- and 60-day lates. This contradiction suggests either negligent or false reporting, and no proof of delinquency was ever provided to me.

Despite submitting an affidavit, legal citations, and supporting documentation, Experian and TransUnion simply accepted the furnishers unverifiable verification without providing any supporting documents. Equifax responded that some of the accounts were not reporting at all, which further suggests inconsistency among the credit bureaus.

My original complaint requested validation, account documentation, and deletion of unverifiable data per FCRA 623 ( b ), 611 ( a ), GLBA 502 ( b ), SOX 404, and UCC 9-210. None of these requests were fully addressed, and the negative data continues to harm my credit profile.

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 2025-12-27 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: GA

Complaint narrative:
I disputed multiple inaccurate and unverified late-payment entries on my credit report with Experian, Equifax, and TransUnion. The accounts in question include XXXX XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These tradelines contain 30-, 60-, and 90-day late payments that I believe were reported in error, and without proper validation.

For example, XXXX stated in writing that they do not report to credit bureaus until a borrower is 90+ days delinquent. However, my credit report reflects multiple 30- and 60-day lates. This contradiction suggests either negligent or false reporting, and no proof of delinquency was ever provided to me.

Despite submitting an affidavit, legal citations, and supporting documentation, Experian and TransUnion simply accepted the furnishers unverifiable verification without providing any supporting documents. Equifax responded that some of the accounts were not reporting at all, which further suggests inconsistency among the credit bureaus.

My original complaint requested validation, account documentation, and deletion of unverifiable data per FCRA 623 ( b ), 611 ( a ), GLBA 502 ( b ), SOX 404, and UCC 9-210. None of these requests were fully addressed, and the negative data continues to harm my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, 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, which constitutes a clear and direct 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 2025-12-27 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: IL

Complaint narrative:
I discovered multiple items on my credit report that were reported without my consent. I never authorized Equifax or any other party to report this information, and some accounts appear to reflect debts that are either inaccurate, missing proper payment history, or reported by debt XXXX without proper verification. Specifically, accounts with XXXX and XXXX require validation and investigation, while several debt collector accounts, including XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, have been reported without proof of the alleged debts. Under 15 USC 1692g, these debts must be validated, including providing original contracts, signed applications, or notarized agreements authorizing collection. Collection activity should cease until verification is provided, and any unverifiable items must be deleted. I am disputing these items and requesting that all inaccurate or unverified accounts be investigated, corrected, or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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