vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
I submitted written disputes to Equifax on XX/XX/XXXX and again on XX/XX/year>. Both were sent via certified mail with full documentation and new evidence. Equifaxs XX/XX/XXXX response confirms a blatant violation of federal lawthey refused to reinvestigate my second dispute, despite new information being provided. This is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), which require a reinvestigation upon notification and timely forwarding of disputes to the furnisher. 

Furthermore, Equifax failed to provide a description of any procedures used to determine the accuracy of the account, violating FCRA XXXX ( a ) ( XXXX ) ( B ). They continue to report a debt from XXXX XXXX XXXX that remains unvalidated, which violates FCRA XXXX ( b ) Equifax is knowingly reporting information that is not confirmed to be accurate. 

This account is obstructing my access to housing and credit. Equifaxs refusal to reinvestigate, their disregard of federal reinvestigation requirements, and their continued publication of inaccurate data constitute willful noncompliance with the FCRA. 

I am demanding the immediate permanent deletion of the XXXX account from my credit file due to Equifaxs repeated and documented violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Requested a debt Validation asking XXXX ( or XXXX XXXX ) to prove debt is mines. 

Debt is pasted XXXX XXXX statute of limitations XXXX years. They legally can't sue to collect because they validated my statute of limitations. 

Privacy Violations i was validated my data was sold or mishandled beyond what's standard in debt transfer. This is why I am filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed charge off on my credit report that was incorrect or not accurate. I notified the credit bureaus about them.

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 2025-07-28 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 submitted a written dispute to [ Experian/Equifax/TransUnion ] regarding inaccurate information on my credit report. Under FCRA Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to investigate and correct inaccurate data within 30 days. I did not receive a timely or adequate response, and the inaccurate data remains. I request the CFPB ensure compliance and correction of this violation.

I do not consent to E-Oscar or any mean of automated verification Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

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 2025-07-28 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: TX

Complaint narrative:
I submitted a written dispute to [ Experian/Equifax/TransUnion ] regarding inaccurate information on my credit report. Under FCRA Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to investigate and correct inaccurate data within 30 days. I did not receive a timely or adequate response, and the inaccurate data remains. I request the CFPB ensure compliance and correction of this violation.

I do not consent to E-Oscar or any mean of automated verification Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
When checking my credit profile I came across hard inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PR

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were XXXX XXXX accurate. 
Under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure. 
A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX XXXX ( XXXX ) ( B ) ( XXXX ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than XXXX days after receiving a request from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Transunion : XXXX XXXX XXXX, Account # XXXX * * * * * * XXXX  : XXXX, Account # 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 non-monetary relief
Consumer complaint received 2025-07-28 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:
Subject : XXXX XXXX XXXX for XXXX and XXXX XXXX CFPB, I am filing a complaint against Equifax for failing to properly investigate disputes submitted over a month ago. Their refusal to act is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has caused financial hardship. 

In XXXX XXXX XXXX XXXX XXXXXXXX Massachusetts, it was ruled that agencies must promptly investigate disputes. I respectfully request : XXXX. XXXX deletion of the inaccurate items XXXX. $ [ 2000 ] compensation for damages XXXX Review of the following : XXXX. XXXX XXXX XXXX * * * * - XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ) : Reporting Accuracy - Please provide evidence that this late payment was reported accurately, including payment history records. 
Please confirm receipt and inform me of next steps taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( XXXX ) and seek congressional assistance XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX  balance {$420.00}, resurgent XXXX funding balance {$400.00}, XXXX XXXX XXXX balance {$3900.00}, XXXX XXXX  balance {$94.00}, XXXX  XXXX balance {$0.00}, XXXX  XXXX XXXX XXXX {$820.00}.

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 2025-07-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$210.00}, XXXX XXXX balance {$1800.00}. please remove these credit inquiries. FACTUAL DATA, XXXX AUTO, XXXX XXXX, CONSUMERS XXXX, XXXX, XXXX, XXXX XXXX XXXX, FIN INST XXXX, XXXX AUTO, XXXX AUTO, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$210.00}, XXXX XXXX balance {$1800.00}. please remove these credit inquiries. FACTUAL DATA, XXXX AUTO, XXXX XXXX, CONSUMERS XXXX, XXXX, XXXX, XXXX XXXX XXXX, FIN INST XXXX, XXXX AUTO, XXXX AUTO, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
RE : XXXX ATTEMPT This is my third formal attempt to dispute inaccurate and unauthorized accounts reported by ChexSystems. I previously submitted XXXX written disputes directly to ChexSystems, including a notarized affidavit under FCRA XXXX, supporting documents, and identity verification. These accounts were opened or went negative while I was being trafficked and under financial coercion. 

ChexSystems has ignored their obligation to block the disputed information within XXXX business days and has failed to provide proper reinvestigation results or confirm deletion within the FCRA timelines. I am now submitting this CFPB complaint as official notice # XXXX. I am also uploading a copy of my dispute letter as evidence. 

Ignoring these legal obligations under FCRA XXXX, XXXX, XXXX, and XXXX is unjust and retraumatizing. I have submitted complaints to the Attorney General of both my state and theirs. I am asking CFPB to enforce immediate deletion of the disputed accounts and ensure ChexSystems complies with federal consumer protection laws.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt.

2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. 

Thank you. I will await your reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of Sterling v. Mercantile Adjustment Bureau , LLC, 2010 WL 4941456 ( W.D.N.Y. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in 2023 for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: VA

Complaint narrative:
I received a Discover card in the mail without applying for it. I called Discover on Monday XXXX XX/XX/2025 and cancelled the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I filed a dispute with them a while ago and I have not received anything else about it since, no provision credit or updates and I feel like they have closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing this CFPB report to address several fraudulent account thats appearing on my consumer credit report, which I dont recognize as reported the accounts are 1. ( Transworld ) account number XXXX balance {$330.00}, 2. ( XXXX XXXX ) account number XXXX balance {$110.00}, 3. ( XXXX XXXX ) account number XXXX {$20000.00}, 4. ( XXXX XXXX ) account number XXXX balance {$240.00} these are fraudulent accounts that has resulted as collections on my credit report that are a result of the XXXX Data Breach and identity theft. 
I demand for these negative items to be removed from my consumer report within XXXX days and all activity related to said items cease pursuant to my rights within the FCRA and FDCPA LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX. My ex-husband is financially abusive. He showed up as coapplicant on one of my reports a while back. I placed freezes and requested removal and was told its no big deal just clerical. Its an error. I want it gone. Immediately. I have never been a coapplicant or co-borrower on anything at all least of all with XXXX XXXX, my coercive, controlling, nightmare ex-husband who's financial messes im still cleaning up in his cowardly absence. Its false. Take it off my report. Now. It means he's applied for stuff with my name on it. REMOVE IT.

Company response to consumer: Closed with explanation