vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
This is my third complaint regarding XXXX continued failure to correct inaccurate and unverifiable personal information in my credit file. Despite XXXX previous disputes, Experian continues to report outdated addresses, incorrect employers, and other identifiers that do not belong to me. My only correct and legally verifiable personal information is : Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Date of Birth : XX/XX/year> SSN : XXXX Employer : XXXX XXXX XXXX XXXX Any additional names, previous addresses, unknown employers, or other personal identifiers reported by Experian are inaccurate, incomplete, or unverifiable, and their continued presence in my file is causing harm and increasing the risk of identity theft. 

XXXX refusal to correct this information after multiple disputes constitutes ongoing violations of the Fair Credit Reporting Act, including : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within the required timeframe.

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy of consumer information.

FCRA 609 ( a ) : Failure to provide verification or documentation supporting the inaccurate identifiers.

FCRA 1681n and 1681o : Liability for negligent and willful non-compliance. 

I am requesting that Experian immediately delete all inaccurate, outdated, or unverifiable personal information and update my file to reflect only the correct identifiers listed above. Experian must conduct a meaningful reinvestigation, provide verification documentation, and ensure 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 2025-12-02 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports from Experian, TransUnion, and Equifax, including discrepancies in personal information, account status, balances, and hard inquiries. Specifically, the account XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, is reported as open with a {$0.00} balance and a 30-day late payment in XX/XX/XXXX, despite being opened on XX/XX/XXXX and last activity on XX/XX/XXXX, making the reported delinquency inaccurate. Additionally, a XXXX XXXXXXXX XXXX charge-off, account number XXXX XXXX XXXX XXXX XXXX, shows inconsistent balances, status, and last activity dates ; a XXXX XXXX XXXX collection account, account number XXXX XXXX XXXX reports a balance and history that conflict with my records ; and an XXXX XXXX XXXX collection account, number XXXX, contains incomplete and inconsistent reporting. Furthermore is reporting hard inquiries from XXXX XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ), which I did not authorize and which may lack a permissible purpose under FCRA 604 ( a ). These inaccuracies violate multiple sections of the Fair Credit Reporting Act, including 602 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ), which require credit reporting agencies to ensure that all information is complete, accurate, and verifiable. Despite my previous disputes, these errors remain on my credit file, causing confusion, distress, and potential harm to my credit profile.

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 2025-12-03 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:
I am filing this complaint regarding multiple inaccuracies on my credit reports from Experian, TransUnion, and Equifax, including discrepancies in personal information, account status, balances, and hard inquiries. Specifically, the account XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, is reported as open with a {$0.00} balance and a 30-day late payment in XX/XX/XXXX, despite being opened on XX/XX/XXXX and last activity on XX/XX/XXXX, making the reported delinquency inaccurate. Additionally, a XXXX XXXXXXXX XXXX charge-off, account number XXXX XXXX XXXX XXXX XXXX, shows inconsistent balances, status, and last activity dates ; a XXXX XXXX XXXX collection account, account number XXXX XXXX XXXX reports a balance and history that conflict with my records ; and an XXXX XXXX XXXX collection account, number XXXX, contains incomplete and inconsistent reporting. Furthermore is reporting hard inquiries from XXXX XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ), which I did not authorize and which may lack a permissible purpose under FCRA 604 ( a ). These inaccuracies violate multiple sections of the Fair Credit Reporting Act, including 602 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ), which require credit reporting agencies to ensure that all information is complete, accurate, and verifiable. Despite my previous disputes, these errors remain on my credit file, causing confusion, distress, and potential harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern I am filing a formal complaint regarding inaccurate and unlawful reporting on my credit file. I am requesting the Consumer Financial Protection Bureau to investigate and require the furnishers and credit bureaus to correct or delete these items as they are reporting false, misleading, and unverifiable information in violation of the FCRA, Sections 602, 607, 611, and 623. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as XXXX XXXX XXXX XXXX  This account is being wrongfully reported as a charge off even though I have no knowledge of this account, never received any verification, billing statement, contract, or any proof that this account belongs to me. Reporting a charge-off for a {$0.00} balance is inaccurate, misleading, and not consistent with FCRA accuracy standards. I am demanding full validation and immediate deletion if the furnisher can not produce signed documentation proving this debt is mine. This reporting has caused harm, and I request urgent CFPB intervention. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Reported as LATE XXXX XXXX XXXX This account is reporting late payments that are completely false. I never made any late payments, never received any notice, and the creditor has failed to provide any accurate billing history that proves these alleged delinquencies. Under FCRA 623, furnishers must report complete and accurate informationthis is clearly not being followed. These inaccurate late payments are damaging my credit profile, and I demand a full investigation, correction, and update to reflect an accurate on-time payment history.

I am requesting the CFPB to compel the furnishers and credit bureaus to investigate these inaccuracies, provide verifiable proof, and update/delete the accounts accordingly. These false entries are causing financial harm and violating my rights under the FCRA. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
On XX/XX/year>, I mailed Equifax a written dispute identifying several inaccuracies in my credit file. I disputed old and incorrect addresses, inaccurate personal information, unauthorized inquiries, and accounts that the furnishers failed to validate after receiving my certified 623 direct-dispute letters.

Equifax received my dispute but did not correct or delete the inaccurate information. They failed to conduct a reasonable reinvestigation and continued to report the same unverifiable items. Many furnishers did not respond to my validation requests, yet Equifax continues to report the accounts anyway.

This is a violation of FCRA 611, which requires Equifax to delete information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlly Financial Inc.\nAlly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Auto Loan Reporting and Demand for Validation (New Investigation)\n\nTo Whom It May Concern:\n\nI am formally disputing the auto loan currently being reported on my credit file by Ally Financial. This is a new investigation request and not a repeat complaint. I am submitting this as a distinct matter through the CFPB and expect full compliance with their oversight.\n\nUnder the Fair Credit Reporting Act (FCRA), you are required to report only information that is accurate, complete, and verifiable. Therefore, I am requesting the following:\n\nProof of Funding and Consideration: Provide evidence that Ally used its own capital to originate this loan and did not rely on a warehouse line of credit or other borrowed funds. Also provide proof of actual consideration, including evidence of funds transferred from Ally to the dealer at the time of origination.\n\nDetailed Accounting Ledger: I am requesting a complete and detailed accounting ledger for this loan, including a record of the original funding source, the chain of assignment, and all transactions related to the note.\n\nChain of Assignment and Ownership: Provide the full chain of assignment, identifying whether the contract was sold, assigned, securitized, or pledged. If the original note has been transferred, provide the custodians name and the location of the original wet-ink contract.\n\nIf Ally cannot verify funding, ownership, and consideration with original documentation, then continued reporting violates: \n FCRA 15 U.S.C. 1681e(b) \n FCRA 15 U.S.C. 1681i \n FTC Credit Practices Rules \n UCC Article 9 concerning chattel paper and secured interests.\n\nFurthermore, I am requesting a full and detailed accounting ledger for this loan. This includes a clear record of the original funding source, the chain of assignment, and any transactions that have taken place since the loans origination. \n\nUnder the Fair Credit Reporting Act (FCRA), you are required to report only information that is accurate and fully verifiable. If you cannot verify the funding source and ownership of this loan in compliance with the FCRA, you must immediately delete this tradeline from my credit report. \n\nPlease be aware that this is a new investigation filed through the CFPB, and I expect full compliance with their oversight. This is not a repeat complaint but a distinct and separate request for verification.\n\nThis is a formal request for a new investigation, and I expect a timely and thorough response. Thank you for your prompt attention to this matter.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Re : Formal Complaint Against TD Bank, N.A. for Unlawful Restriction of Online Access and Loss of Control Over Automatic Payments Dear CFPB Representative, I am filing this complaint against TD Bank, N.A. concerning conduct that appears to violate the Electronic Fund Transfer Act ( EFTA ), Regulation E, and consumer protection laws prohibiting unfair or deceptive banking practices.

I am a long-time TD Bank customer with both personal and business accounts ( account ending in XXXX ). TD Bank deleted my online profile after attempting to correct a synchronization issue with my accounting software, which resulted in the loss of my ability to view, modify, or stop automatic bill payments. Despite my lack of access, TD Bank continues to execute those payments based on hidden internal data sets. 

This prevents me from exercising control over my own funds and has caused financial harm, including duplicate payments and potential missed obligations. TD Bank has failed to restore access despite repeated requests and escalations.

Requested Action : 1. Investigate TD Banks online banking and payment processing practices.

2. Require TD Bank to restore my full access and control over all scheduled payments.

3. Require TD Bank to provide a written explanation of how my online profile was deleted.

4. Ensure compensation or remediation for resulting financial harm.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has repeatedly failed to conduct a lawful reinvestigation under FCRA 1681i ( a ) and continues to report inaccurate, inconsistent, and unverified information on my consumer report despite multiple disputes and supporting documentation.

I have disputed several accounts and personal identification inaccuracies. Instead of performing a meaningful investigation, Experian responded with template statements such as verified as accurate without addressing the specific reporting errors I identified, including inconsistent payment history, date-of-last-activity discrepancies, incorrect balance fields, and contradictory status updates between bureaus.

Experian has also repeatedly modified certain fields on disputed accounts during past reinvestigations. This is evidence that the data was NOT accurate at the time it was originally verified. Updating an account after a dispute is an admission of prior inaccuracy under FCRA 1681e ( b ), and yet Experian continued to report other inaccurate fields without correction.

Additionally, Experian has failed to provide any documentation validating the disputed information. Under Regulation V and 12 CFR 1022.43, Experian must maintain and provide reasonable procedures to assure maximum possible accuracy. They did not provide any account-level verification, contract, statements, or furnishing records that support their verified findings.

Experian has also deleted multiple addresses and employment items in prior disputes, which confirms identity mis association. However, it failed to remove the accounts tied to those incorrect identifiers, further violating 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

This pattern indicates Experian is using automated E-Oscar responses instead of a good-faith reinvestigation conducted by a human analyst as required by FCRA and the CFPBs interpretation of 1681i.

I am requesting CFPB intervention to require Experian to : 1. Conduct a lawful reinvestigation, not an automated response ; 2. Provide documentation actually used to verify each disputed account ; 3. Remove all unverifiable, inaccurate, incomplete, or mis associated information ; 4. Remove all inaccurate addresses, names, employers, and personal data ; Correct the reporting procedures that led to these statutory violations

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 2025-12-03 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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