vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I dont agree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address of everyone with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your reinvestigations and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-27 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: TX

Complaint narrative:
I dont agree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address of everyone with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your reinvestigations and corrections.

Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX TRANS UNION XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
Status : Charged Off Balance : {$4100.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX I am filing this complaint to dispute the accuracy, completeness, and verifiability of the reporting of the above-referenced account on my Experian credit report. 

The account is listed as charged off with a past-due balance of {$4100.00}, yet there is no accompanying payment history, itemization of the debt, or evidence of any recent creditor communication or update verifying the accuracy of the reported amount. This raises significant concerns about the accounts compliance with the Fair Credit Reporting Act ( FCRA ). 
Specifically : The entry appears to violate FCRA 1681s-2, which obligates data furnishers to report only accurate and complete information.

No signed contract, payment ledger, or documentation substantiating the amount charged off has been provided.

The lack of detail and verification renders the account incomplete and potentially misleading, contrary to the consumer protection intent of FCRA 1681i. 

If the creditor ( XXXXXXXX XXXX  ) can not verify the account through legally sufficient documentation, including the original signed agreement and an accurate record of payments, then under FCRA 1681i ( a ) ( 5 ), this account must be permanently deleted from my credit file.

Despite initiating a formal dispute, I have not received sufficient evidence to support the continued reporting of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We recognize that there was fraud, and the bank closed my account. We called to get it reopened, even tried to go into the bank to get my money out, showing my authorization of who I am and they refused to help me they close my account and will not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
I am a victim of identity theft. My personal identifying information was used without my knowledge or consent to apply for credit and possibly open fraudulent accounts. As a result, inaccurate and unauthorized information appeared on my credit reports with Experian, Equifax, and TransUnion. 

I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted supporting documents including my drivers license, Social Security card, and proof of address. I am attaching or referencing that FTC report here as part of this CFPB complaint. 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block any fraudulent information within 4 business days upon receipt of a valid identity theft report. Despite following the appropriate procedures, one or more of the credit reporting agencies or furnishers have failed to correct or remove the fraudulent information. 

The FTC report includes the specific entriessuch as unauthorized accounts or hard inquiriesthat I am requesting be removed or blocked under the law. These entries are materially damaging and were not authorized by me. I have never done business with many of the companies reflected in the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
I am a victim of identity theft. My personal identifying information was used without my knowledge or consent to apply for credit and possibly open fraudulent accounts. As a result, inaccurate and unauthorized information appeared on my credit reports with Experian, Equifax, and TransUnion. 

I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted supporting documents including my drivers license, Social Security card, and proof of address. I am attaching or referencing that FTC report here as part of this CFPB complaint. 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block any fraudulent information within 4 business days upon receipt of a valid identity theft report. Despite following the appropriate procedures, one or more of the credit reporting agencies or furnishers have failed to correct or remove the fraudulent information. 

The FTC report includes the specific entriessuch as unauthorized accounts or hard inquiriesthat I am requesting be removed or blocked under the law. These entries are materially damaging and were not authorized by me. I have never done business with many of the companies reflected in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
XXXXOn XXXX XXXX XXXX I submitted a dispute to Experian via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Experian received this XXXX XXXX XXXX. While Experian claims to have completed the investigation by XXXX XXXX XXXX, they failed to mail the results within 5 business days as required by 15 U.S.C $1681i(a)(6)(A). I did not receive a mailed copy of the response. This violates the FCRA, and I request that the disputed item be deleted due to Experian\'s non compliance. In my letter there was specific instructions I need a written mail correspondence to the address listed in the letter and yet to receive anything. XXXXOn XXXX XXXX, I sent another 2nd  request stating I have not received any "Written mail correspondence"  information telling them they violated the FCRA and have yet to hear back. The certified mail tracking for the second request is XXXX XXXX XXXX XXXX XXXX XXXX which was received by Experian on XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
I pulled my credit report and noticed these unauthorized hard inquiries that were not initiated by me. Please remove immediately as a results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX LexisNexis XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} 2. Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing this complaint to request a formal investigation into the excessive number of hard credit inquiries placed on my credit reportsparticularly with XXXX  or around XXXX, XXXX up and chill XX/XX/XXXX These inquiries stem from a single attempt to obtain auto financing through a dealership. 

When reviewing my XXXX  report, I discovered over XXXX hard inquiries from dozens of different auto lenders, many duplicated on the exact same day. I did not knowingly authorize this level of inquiry activity. I only applied for financing once and did not give informed consent for each individual lender to access my credit report. 

I contacted all three credit XXXX, XXXX, and Equifaxby phone to dispute these inquiries. My disputes were denied, and I was not given the opportunity to submit documentation or an explanation in writing. There was no clear investigation conducted. 

I also contacted the dealership directly. They claimed I had given authorization, but I only intended to submit one credit application. I was never informed that my personal information would be distributed to dozens of lenders simultaneously.

Due to the overwhelming number of inquiries and the bureaus refusal to investigate, I took the step of freezing my XXXX  credit file after the dispute in an attempt to prevent further damage. 

This level of inquiry activity, performed without clear authorization, violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this situation and compel the credit bureaus to remove these excessive and improperly authorized inquiries from my reports. 

Duplicate Inquiries by Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter and your efforts to protect consumers from unfair credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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 am writing to formally dispute the following inaccurate information that appears on my credit report maintained by Experian, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/year> I had a negative account added to my credit report that doesnt belong to me.I have contacted Caine Weiner XXXX times to let them know that this account doesnt belong to me and please stop reporting it to my credit report. They continue to report information that doesnt belong to me every month and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance. {$270.00} Portfolio Recovery Associates Date Opened. XX/XX/XXXX Balance {$480.00} Dept Of Ed/XXXX  Date Opened. XX/XX/XXXX Balance {$4200.00} XXXX XXXX XXXX, XXXX Date Opened. XX/XX/XXXX Balance. {$0.00} Status Account charged off. XXXX written off Dept Of ED/XXXX  Date opened XX/XX/XXXX Status Open. {$170.00} past due of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with non-monetary relief