vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am filing a follow up complaint to formally dispute a credit Items that appears on my credit report and to demand its immediate removal. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only under specific and permissible purposes. To the best of my knowledge, I did not initiate any transaction, apply for credit, or otherwise provide written permission that would allow your organization to access my credit file. If you believe you had a permissible purpose under 604 ( a ), please provide documentation substantiating that claim, including a signed application or other evidence of consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I can't even get a secure card to start to get credit, I have try with TD bank and they said I was disqualified I was making a depsite of a {$1000.00} for a secure card but I was denied also I always pay my bills on time never late this are the bills I pay, XXXX XXXX XXXX XXXX, Water, lights, auto ins, I pay my rent on time never late. but still I can't even get a secure card, I try with XXXX  XXXX and was rejected, XXXX XXXX  I was rejected, XXXX XXXX rejected and I can't understand why. please I would like to know why I am rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am writing to formally dispute the repossession of my vehicle that occurred on XX/XX/year>, and to request a thorough investigation into this matter. The details of the dispute are outlined below : Account Information : United Auto Credit Account XXXX : XXXX Vehicle/Property : XXXX XXXX XXXX XXXX XXXX 1. Lack of Proper Notice : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive a written notice of default and repossession before any action is taken. I did not receive such notice as required.\nPlease provide documentation proving that proper notice was sent and received.

2. Improper Repossession Procedures : The repossession was carried out without adherence to the required procedures. Specifically as failure to provide adequate notice, repossession during prohibited times, or lack of proper documentation. According to the Uniform Commercial Code ( UCC ) and state repossession laws, these procedures must be strictly followed.

3. Account Status Discrepancies : I have reviewed my account statements and believe there may be discrepancies regarding the amount owed and the balance on my account.\nPlease provide a detailed breakdown of the account balance, including any fees or charges applied.

4. Request for Evidence : Please provide evidence of the default and repossession, including all relevant documentation, photographs, or other records related to the repossession. This includes a copy of the repossession order and any communication related to the repossession.

5. Request for XXXX or XXXX : In light of the above issues, I request that the repossession be investigated and, if found to be in error, that the vehicle be returned to me immediately. If the investigation finds that the repossession was conducted in accordance with the law, please provide a detailed explanation and documentation to support this. 
XXXX. I expect a response to this dispute within 30 days, as stipulated under consumer protection laws. Please send all correspondence to the address listed above or to my email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am formally filing a complaint with JPMCB CARD data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am formally filing a complaint with AMERICAN EXPRESS data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-07 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: GA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
XXXX, Equifax keeps hassling  me by adding unnecessary remarks onto my credit report knocking my credit score down XXXX points already. Ive been fighting with them to try to get them to remove a remark. They just placed onto my credit report that says bankruptcy petition . An unnecessary remark because. The credit card account called XXXX  XXXX, already has an existing remark that says bankruptcy XXXX XXXX.  Which has been there for two years and nine months almost now out of the blue in 2025. They start adding these ridiculous generic bankruptcy petition remark (which doesnt even specify what kind of bankruptcy it is)  remarks on my credit report knocking down my credit score when it already says in bankruptcy XXXX XXXX status. Ive been filing multiple disputes  with them to tell them to remove this bankruptcy, petition remark that they just added onto my credit report on credit, they keep reporting  nonsense to my credit, destroying my credit score. Then they went ahead and reopened my XXXX XXXX account that was in my closed list due to bankruptcy XXXX  XXXX  for the last 2 1/2 years all sudden XXXX XXXX they open it for what? I got like three more months left on my bankruptcy XXXX XXXX  then its over. Why cant Equifax leave people the hell alone?  Gotta love these overseas call centers. Really gotta love them.useless and constantly making mistakes on my credit reports and adding nonsensical remarks, knocking my score down all the time.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 am filing this complaint against Experian for their continued reporting of a XXXX XXXXXXXX XXXX XXXX XXXX  This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681XXXX ( b ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the original source of the bankruptcy claim nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), XXXX has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a false bankruptcy on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/2025, the Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$15.00} XXXX for failing to properly handle credit disputes and reinvestigations. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require XXXX to immediately delete the inaccurate bankruptcy  from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal 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
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: AZ

Complaint narrative:
This was originally a XXXX XXXX XXXX  purchase financed with XXXX. I paid out of pocket for the XXXX XXXX XXXX  satisfaction guarantee which came with XXXX provided after treatment was completed. 
My treatment was about XXXX done and XXXX XXXX  sent some XXXX before completion and filed bankruptcy. I could not reach any XXXXXXXX for assistance, I couldnt reach their office for assistance, and XXXX continued to collect a monthly payment. I sent several demands for them to stop and even after XXXX XXXX XXXX advised on their website to not make any further payments as they will not be completing care, XXXX continued to draw from my account : I finally closed my debit card they were drawing from. They then stated they would sue me, send this to collection and that I still owed them for the care that XXXX XXXX  didnt finish : I went to an XXXX locally and finished my XXXX care at a very high price, well above what I owed for the XXXX XXXX account. I sent this information to XXXX XXXX and XXXX. I heard nothing for months. There were several lawsuits filed by customers to reclaim their losses, but with smile direct out of business the payments went unpaid to victims. 


Recently XXXX sold the debt to Tekcollect, who sent me a letter. I called them, explained the disputes, and they asked me to email them. Which I did, twice with no response. Today I see my credit score has dropped because they are reporting this debt to credit bureau. Ive begun the process of disputing this debt.

Please assist!!! This company is collecting a debt for a business that failed to provide their contracted services, filed bankruptcy and left their customers stuck mid-treatment and now expect to be paid in full for services that werent provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-07 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: VA

Complaint narrative:
I am filing this formal complaint against Experian due to inaccurate information currently being reported on my credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation 5 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy Despite multiple attempts to have these inaccuracies addressed, Experian has failed to properly investigate or remove the incorrect information. These actions or lack thereof are consistent with Experians history of noncompliance, as outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit : CFPB v. Experian ( Case XXXX XXXX XXXX 
As cited in the lawsuit, Experian has been found to have misled consumers, failed to investigate disputes, and violated consumer protection laws. I intend to include documentation from this lawsuit as supporting evidence for my complaint. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure Experian fulfills its legal responsibilities to investigate and correct the disputed inaccuracies in accordance with FCRA guidelines.

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 2025-08-07 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: NC

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I am formally filing a complaint with DISCOVERCARD data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with non-monetary relief