vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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
Consumer complaint received 2025-12-04 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: AK

Complaint narrative:
I am disputing the following accounts as reported by TransUnion. Please review these entries for potential inaccuracies. 

Charged Off Accounts : 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 XXXXXX/XX/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 2025-12-04 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

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 2025-12-04 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: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple inaccuracies and improper reporting on my credit report. I request the Bureau 's assistance in investigating and resolving these issues under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The disputed accounts are as follows : XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} Issue : Reported as Late Payment. I have never made any late payments on this account and request correction of the payment history to reflect accurate status. 
XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$4400.00} Issue : Reported as Chargeoff. I have no knowledge of this account, and I request immediate deletion from my credit file. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$56000.00} Issue : Reported as Late Payment. I have consistently made on-time payments and request correction of the payment history to show accurate information. 
XXXX. XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$9600.00} Issue : Reported as Late Payment. This is inaccurate ; I request that the account reflect correct payment history. 
XXXX. XXXXXXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$14000.00} Issue : Reported as Collection. I have no knowledge of this account, and I request deletion from my credit report. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1800.00} Issue : Reported as Collection. I do not recognize this account and request deletion from my credit report. 
I have attached supporting documentation where applicable. I request that these items be investigated and corrected or deleted in accordance with the FCRA. 
Thank you for your assistance.

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 2025-12-04 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt with a delinquency date of XX/XX/XXXX. This information is inaccurate. I moved out of Nevada in XX/XX/XXXX, over a year before this alleged debt began. I have attached my lease showing my move-out date as proof. I could not have incurred any debt in Nevada after XX/XX/XXXX. 

I disputed this information with TransUnion, but they marked the item as previously verified without providing documentation or addressing the incorrect date. The company has not supplied evidence showing the original Date of First Delinquency ( DOFD ) or proof that I owed this debt while living in Nevada. 

Because the reported date is impossible based on when I lived in the state, this appears to be inaccurate reporting or improper re-aging of the account, which violates the Fair Credit Reporting Act ( FCRA ), including Section 623 ( a ) ( 5 ).

I am requesting that the company provide : Proof of the original DOFD reported by the original creditor, Documentation showing I resided in Nevada at the time of the alleged debt ( I did not ), and Validation that the reporting is accurate and compliant with the FCRA.

If the company can not provide proper validation, I am requesting that this account be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX is reporting an account to ChexSystems under account number ending in XXXX with a balance of {$640.00}. I have disputed this information multiple times, and ChexSystems continues to state that it has been 'verified ' by XXXX XXXX However, XXXX has not provided ANY documentation proving : - My signed account opening documents- Any itemized transaction history - Any proof of overdraft activity - Any evidence used to verify the accuracy of this information ChexSystems is reporting information furnished by XXXX that has NOT been properly verified. This violates FCRA 623 and 607 ( b ). I have attempted to resolve this through both parties and have been denied legitimate verification. I am requesting the CFPB to investigate XXXX reporting practices and require them to either provide documented verification or delete this information from ChexSystems.

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 2025-12-04 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: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
The credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file with our my permission and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
The furnishers response to my initial complaint was incomplete and did not address the legally required components of a full investigation. While documents were provided, they do not validate the accuracy of the balance, the charges, or the reporting. 

The following issues remain unresolved : No itemized statement proving how the reported deficiency balance was calculated. 

Unverified add-on products ( XXXX, extended warranty, service plan ) totaling over {$2600.00}. 

No proof of voluntary consent to these add-ons as required under XXXX. 

Failure to provide XXXX disclosures clearly separating optional products from mandatory charges. 

No documentation showing proper application of payments. 

No evidence that Credit Acceptance verified accuracy before furnishing information to credit bureaus.

The response letter simply stated the account was accurate without addressing any of the issues raised.

Under FCRA 1681s-2 ( b ), furnishers must conduct a reasonable investigation and correct or delete any unverifiable information. 

I request that the CFPB require : A full accounting of charges A copy of all add-on product contracts Proof that add-ons were optional and authorized A breakdown of all repossession and deficiency charges A corrected or deleted credit report entry In the CFPB letter they simply said : Information is complete, accurate, and consistent with payment history. 

but they did NOT : Address the add-on charges Provide copies of your wet signatures Prove the fees were valid Validate the total balance Provide a breakdown of repossession & deficiency Show TILA compliance Show they properly applied payments Show you agreed to the service contract and GAP This is not a full investigation Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-12-04 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: IL

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within XXXX days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy XXXX XX/XX/XXXX === INQ === XXXX : XXXX XXXX  XX/XX/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 2025-12-04 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the accounts and inquiries listed below, which appear to be the result of compromised or misused personal information, a data breach, file mismatch, or a mixed consumer file. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, Experian is required to ensure maximum possible accuracy and to properly reinvestigate all disputed information. 
Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5300.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1800.00} Account name : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3400.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$910.00} Account name : XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9400.00} Account name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Account name : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$15000.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$4700.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$34000.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$48000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : EQ 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CO

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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