vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I am filing this complaint against Equifax due to their failure to comply with federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ). My credit report dated XX/XX/year> ( Confirmation XXXX XXXXXXXX ) contains multiple inaccurate, unverifiable, and damaging negative accounts, which I formally disputed with Equifax and requested permanent deletion. 

The accounts in question include : XXXX. XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX  Acct ending XXXX XXXX XXXX. XXXX XXXX XXXX Acct ending 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 XXXXXXXX These accounts violate the FCRA for the following reasons : Reported without proper validation or original creditor documentation Unverifiable within 30 days as required by 15 U.S.C. 1681i Contain incorrect, outdated, or inconsistent data Violate 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy Include collections/charge-offs that were not properly validated under the FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) Equifax has not provided adequate documentation or verified the accuracy of these accounts as required by law. Their continued reporting of these items is causing harm to my credit and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MA

Complaint narrative:
I am disputing multiple accounts and hard inquiries appearing on my credit reports with Equifax, Experian, and TransUnion. These accounts and inquiries lack valid documentation or authorization to be reported, negatively impacting my credit history.

I have previously submitted disputes requesting verification and removal of these accounts, which include charged-off debts without original contracts or proof, incorrectly closed accounts, and inaccurately reported balances. I have also requested removal of unauthorized hard inquiries from my reports.

Despite my requests, I have not received adequate responses or evidence justifying the inclusion of this information. This violates federal laws protecting my credit and is causing harm to my credit history.

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 2025-07-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I dispute the following hard inquiries on my credit report : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-21 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: NH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-21 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: PA

Complaint narrative:
Dear CFPB : I am filing this dispute and formal complaint under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation V, and the CFPBs Debt Collection Rule ( Regulation F ). I believe the following derogatory entries on my Experian, Transunion and Equifax credit reports are inaccurate, unverified, and potentially misleading. 

XXXX. XXXX XXXX  Secured Card ( Charged-Off ) Opened : XX/XX/XXXX Reported Status : Account charged off. {$180.00} written off. {$180.00} past due as of XXXX. 
Balance : {$180.00} Dispute : I have reason to believe this account was paid or resolved ; the {$180.00} balance is incorrect. 
Under FCRA ( 15 U.S.C. 1681i ), inaccurate or unverifiable items must be investigated and corrected/deleted within 30 days. 
Regulation V mandates furnishers and credit bureaus maintain maximum possible accuracy Consumer Financial Protection Bureau 2. XXXX XXXX XXXX  Collection Opened : XX/XX/XXXX Reported Balance : {$880.00} past due as of XXXX Dispute : I do not recognize this debt or I believe the amount is incorrect. 
Under FDCPA 809 / Regulation F ( 12 C.F.R. 1006.34 ), I am entitled to validation of the debtname of original creditor, itemized balances, proof of chain-of-title Consumer Financial Protection Bureau XXXX Under the CFPB Debt Collection Rule, such validation must be furnished if requested within 30 days. If no verification is provided, continued reporting constitutes a violation of FCRA and FDCPA, and the negative tradelines must be removed. 

3. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Reported Balance : {$1000.00} past due as of XXXX Dispute : I dispute the validity of this obligation. 
I request full validation : original contract, payment history, and chain of assignments as required under FDCPA 809. Until validated, continued reporting constitutes misleading/inaccurate information under FCRA and Regulation V.

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 2025-07-21 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: PA

Complaint narrative:
Dear CFPB : I am filing this dispute and formal complaint under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation V, and the CFPBs Debt Collection Rule ( Regulation F ). I believe the following derogatory entries on my Experian, Transunion and Equifax credit reports are inaccurate, unverified, and potentially misleading. 

XXXX. XXXX XXXX  Secured Card ( Charged-Off ) Opened : XX/XX/XXXX Reported Status : Account charged off. {$180.00} written off. {$180.00} past due as of XXXX. 
Balance : {$180.00} Dispute : I have reason to believe this account was paid or resolved ; the {$180.00} balance is incorrect. 
Under FCRA ( 15 U.S.C. 1681i ), inaccurate or unverifiable items must be investigated and corrected/deleted within 30 days. 
Regulation V mandates furnishers and credit bureaus maintain maximum possible accuracy Consumer Financial Protection Bureau 2. XXXX XXXX XXXX  Collection Opened : XX/XX/XXXX Reported Balance : {$880.00} past due as of XXXX Dispute : I do not recognize this debt or I believe the amount is incorrect. 
Under FDCPA 809 / Regulation F ( 12 C.F.R. 1006.34 ), I am entitled to validation of the debtname of original creditor, itemized balances, proof of chain-of-title Consumer Financial Protection Bureau XXXX Under the CFPB Debt Collection Rule, such validation must be furnished if requested within 30 days. If no verification is provided, continued reporting constitutes a violation of FCRA and FDCPA, and the negative tradelines must be removed. 

3. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Reported Balance : {$1000.00} past due as of XXXX Dispute : I dispute the validity of this obligation. 
I request full validation : original contract, payment history, and chain of assignments as required under FDCPA 809. Until validated, continued reporting constitutes misleading/inaccurate information under FCRA and Regulation V.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been trying for months to access my report from Experian. It won't let me log in or create account online, always an error message of some sort. Tried calling numerous times but automated service does not provide access to a live representative to try and rectify the issue. You can't even chat with someone online. The website is constantly not working not allowing access to anything.

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 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXXXX/XX/year>

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 2025-07-21 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: AZ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXXXX/XX/year>

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 2025-07-21 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I am submitting this complaint because TransUnion is knowingly reporting false, outdated, and unverifiable information on my credit report, despite my direct disputes and legal demands for removal. TransUnions continued reporting of these derogatory items is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing harm to my creditworthiness and financial stability. 

I formally disputed the following accounts, demanding their removal, yet TransUnion either failed to complete a legally sufficient investigation or continued reporting without providing proper validation : Disputed Accounts : XXXX. XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX Acct ending XXXX XXXX XXXX. XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Acct ending XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct ending XXXX XXXX These accounts are either unverifiable, inaccurate, or incomplete and should have been deleted immediately as required by the following federal laws : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a timely and reasonable reinvestigation 15 U.S.C. 1681c : Reporting outdated negative information 15 U.S.C. 1692g ( b ) : Failure to validate debt before reporting ( FDCPA compliance ) I am holding TransUnion fully accountable for these violations. Their refusal to correct or delete this harmful and unverifiable information shows a willful disregard for federal law. I believe this demonstrates negligent or intentional noncompliance with FCRA provisions, and I am prepared to pursue further legal remedies if this complaint is not resolved in my favor.

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 2025-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: PA

Complaint narrative:
back on 2023 we have just came out of some difficulties due XXXX  XXXX XXXX, a use some of the help relieved provided by government, on 2023 called us bank to see the options I have to get back on track, they only option was what they called " loan modification '' it wasn't till now I was trying to get a heloc thru then and they told me because the modification I had was unable to get one, shop arroung trying to get other options when a different lender told me that what they actually did was a refinance because my rate change from a XXXX to a XXXX and usually with a loan modification you rate don't change, its pathetic that big corporations like banks take advantage of some of us not knowing some terms get actually scam because that's what they did telling me it was a loan motification and what they did was a refinance going from a XXXX to 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 2025-07-21 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief