vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX is illegally charging a monthly account maintenance fee, violating the XXXX  credit card act that states that NO FEES CAN BE CHARGED ON A CLOSED ACCOUNT except for late fees. In my opinion theyve already admitted guilt by attempting to quiet me with XXXX $ credit. I WANT THE LAST 13 MONTHS refunded and the fee dropped and this will be my last time asking .You can not charge any fees EVEN IF ITS IN THE CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$510000.00} Account info Account number XXXX This is not my account, I have no knowledge of this fraudulent account that was opened under false pretense. I AM VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies ( CRAs ) and furnishers. Specifically, several accounts that were previously disputed and deleted due to identity theft have been reinserted on my credit reports without providing me the required notice or legal disclosures.

Violations of the FCRA : FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Requires that when deleted information is reinserted into a credit file, the CRA must provide written notice within 5 business days and identify the furnishers name, address, and phone number.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that CRAs must block and exclude fraudulent accounts reported via a valid Identity Theft Report from future reports.

FCRA 609 ( a ) ( 1 ) : Gives consumers the right to receive full disclosure of the source of information reinserted on their credit file.

I did not receive any notice of reinsertion, and the fraudulent accounts listed below have reappeared on my credit report, harming my credit profile and violating my rights. 



Reinserted Fraudulent Accounts : XXXX  XXXX XXXX ( x2 entries ) Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX ( XXXX ) XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX ( XXXX XXXX ) XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX Additional Violations : My personal information has been misused and reported inaccurately, including : Addresses : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone Numbers : XXXX, XXXX Employment : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX None of this information is accurate or authorized for reporting. 



Requested Resolution : 1. Immediate and permanent deletion of all fraudulent accounts and misused personal information from all CRAs ( Experian, Equifax, TransUnion ).

2. A written explanation detailing : Which furnishers reinserted the data, Why I was not notified of the reinsertion, And what actions will be taken to ensure compliance.

3. A block on future reappearance of these accounts unless all legal requirements under FCRA 611 ( a ) ( 5 ) ( C ) are met.

4. A formal CFPB investigation into the conduct of CRAs and furnishers involved.

5. I reserve the right to pursue damages under : FCRA 616 ( willful violations ), and FCRA 617 ( negligent noncompliance ). 



Supporting Documentation : FTC Identity Theft Report # XXXX Credit reports and CRA correspondence available upon request.

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies ( CRAs ) and furnishers. Specifically, several accounts that were previously disputed and deleted due to identity theft have been reinserted on my credit reports without providing me the required notice or legal disclosures.

Violations of the FCRA : FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Requires that when deleted information is reinserted into a credit file, the CRA must provide written notice within 5 business days and identify the furnishers name, address, and phone number.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that CRAs must block and exclude fraudulent accounts reported via a valid Identity Theft Report from future reports.

FCRA 609 ( a ) ( 1 ) : Gives consumers the right to receive full disclosure of the source of information reinserted on their credit file.

I did not receive any notice of reinsertion, and the fraudulent accounts listed below have reappeared on my credit report, harming my credit profile and violating my rights. 



Reinserted Fraudulent Accounts : XXXX  XXXX XXXX ( x2 entries ) Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX ( XXXX ) XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX ( XXXX XXXX ) XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX Additional Violations : My personal information has been misused and reported inaccurately, including : Addresses : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone Numbers : XXXX, XXXX Employment : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX None of this information is accurate or authorized for reporting. 



Requested Resolution : 1. Immediate and permanent deletion of all fraudulent accounts and misused personal information from all CRAs ( Experian, Equifax, TransUnion ).

2. A written explanation detailing : Which furnishers reinserted the data, Why I was not notified of the reinsertion, And what actions will be taken to ensure compliance.

3. A block on future reappearance of these accounts unless all legal requirements under FCRA 611 ( a ) ( 5 ) ( C ) are met.

4. A formal CFPB investigation into the conduct of CRAs and furnishers involved.

5. I reserve the right to pursue damages under : FCRA 616 ( willful violations ), and FCRA 617 ( negligent noncompliance ). 



Supporting Documentation : FTC Identity Theft Report # XXXX Credit reports and CRA correspondence available upon request.

Thank you for your urgent attention to this matter. 

Sincerely, 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 2025-07-11 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: AR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 2025-07-11 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 30 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 explanation
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX ACCOUNTS : XXXX XXXX  NA - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX OF XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

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 2025-07-11 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-11 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/XXXX i paid my rent of XXXX i made sure the money was there and didnt touch my acct until it was paid. i checked my available balance etc as well all reflecting the XXXX however XXXX  days later i had a deposit of XXXX and i thought it was my child support so i started spending now i got a notice of eviction due to this error the bank was unable to explain any of this to me also never showed pending balance etc this is not the first time chase does this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am unable to access my Experian credit report due to a persistent identity verification failure. I have attempted to contact Experian via phone and through their online portal, but all attempts have failed. I provided my driver license and a recent bill but nothing was changed. I also tried uploading documents again via their secure upload page, which is currently not functioning. This issue has been ongoing and prevents me from monitoring my credit and correcting any potential errors. 

I request Experian to verify my identity and reinstate my online access or send me a physical copy of my 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 2025-07-11 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: LEXISNEXIS
State: AL

Complaint narrative:
On XX/XX/year> I was reviewing my consumer report on XXXX XXXXXXXX There I observed open accounts on my consumer report that I didn't make nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or verifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has either neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.

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 2025-07-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 explanation