vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-09-23 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
Company : Equifax Information Services LLC Address : XXXX XXXX XXXX, XXXX, XXXX, GA XXXX Description of Complaint I am a consumer currently involved in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Case No. XXXX ). As part of discovery, I issued a valid subpoena to Equifax Information Services LLC, with my notarized authorization, requesting my complete credit file relating to XXXX XXXX XXXX including deleted tradelines, suppression codes, and internal communications. 

Equifax responded with only a partial consumer disclosure ( limited to current report view ) and has withheld critical file data. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), which requires CRAs to disclose all information in the consumers file. Under 1681a ( g ), file means all information recorded and retained by the CRA, regardless of how stored. 

The federal courts including binding XXXX XXXX precedent have made clear that credit reporting agencies must provide complete file disclosures : XXXX v. XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) held that file includes all information that might be furnished in a consumer report, not just what is visible in standard disclosures. 

XXXX v. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX Cir. XXXX ) confirmed the FCRA imposes strict duties of accuracy and completeness. 

XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reaffirmed that CRAs are strictly bound by the FCRA and liable for noncompliance. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( persuasive ) explained that file covers all data retained by the CRA that might be furnished in a report, including suppressed/deleted data. 


Equifaxs continued delay and partial production are prejudicing my ability to present evidence in court. Despite repeated follow-up, including written notice with controlling case law, Equifax has not provided a full file disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I am truly and deeply worried that these negative items are not mine. I have been a victim of identity theft, and this fraudulent activity is destroying my peace of mind and disrupting my life in ways I never imagined. Please, I am begging you ensure that all these items are BLOCKED and REMOVED immediately. The inquiries listed were never made or authorized by me. 

What makes this situation even more painful is how I have been treated during this process. I have tried, again and again, to make my situation clear, but I feel ignored, dismissed, and even mistreated by your agents. Instead of finding support, I have been met with indifference and a lack of empathy, as if my suffering doesnt matter. 

This is truly heartbreaking. I did not ask for this. I did not authorize any of these actions. And yet, I am being forced to carry the burden of crimes I did not commit. These errors are haunting me blocking opportunities, damaging my reputation, and causing daily anxiety, stress, and anguish that no one should have to endure. 

I need you to understand how urgent and devastating this is for me. Please, do the right thing. Help me resolve this and give me the protection and support that I have been pleadingforallalong.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
SOUTHWEST CREDIT SYSTE is falsely reporting on my credit. I have never had any accounts with them. Per my research SOUTHWEST CREDIT SYSTE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
XXXX XXXX was approved as a data furnisher by Experian and began reporting accounts in good faith. Our company underwent Experians initial onboarding review, submitted a test file, and was cleared to begin live reporting in XX/XX/year>. 

After 30 days of reporting ( with weekly submissions ), we were informed of a new compliance review. We fully cooperated and submitted a detailed explanation of our business model, credit products, reporting cadence, underwriting, and documentation protocols on XX/XX/year>. 

At no point were we notified of any specific compliance violations, data inaccuracies, or other concerns requiring correction. We received no formal findings or feedback, nor were we asked to provide additional documents. 

On XX/XX/year>, we received an abrupt notice of account termination from Experian Regulatory Compliance with no explanation, no corrective opportunity, and no communication channel for appeal or reconsideration.

This termination has a direct impact on our business operations and on customers who rely on accurate credit reporting. We are fully willing to take any steps required to remain compliant, including undergoing additional testing, modifying data structures, or submitting account-level documentation.

We are requesting that Experian : Provide a clear explanation of the cause for termination Offer a reconsideration or appeals process If not possible, clarify the waiting period and requirements for reapplication We are concerned this may be an unfair or arbitrary enforcement of internal policies without adequate transparency or due process, which may violate principles under the FCRA.

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 2025-09-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/year> I, acting as successor trustee to my parent 's trust, went to the Old National Bank branch in XXXX XXXX, Il to close two CD 's for my recently deceased mother 's trust ( my father pre-deceased her ). Prior to doing that, I was told on 2 separate occasions by 2 different employees of the bank while my mother was still alive that if I closed the CD 's before maturity due to her death, there would be no early withdrawal charge. Nearly {$12000.00} of interest was lost on these two CD 's as the penalty for early withdrawal. The manager made it sound like the information their two employees gave me was incorrect. I acted based on the information given to me by THEIR bank employees at the time the CDs were opened. If it weren't for their information, I would have never taken the CDs out for the period of time that I did. Another bank in the same town with the same circumstances waived the fee due to her passing.

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 monetary relief
Consumer complaint received 2025-09-23 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: IL

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

Company 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries resulting from a data breach. Despite my formal dispute filed under Section 605B [ 15 U.S.C. 1681c-2 ], supported by a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Furthermore, it has not provided verifiable documentation bearing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to establish a permissible purpose for these inquiries. These failures constitute clear violations of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 a victim of identity theft dating back to XXXX of XXXX and did not authorize the disputed charges or accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2, and the Fair and Accurate Credit Transactions Act of XXXX ( FACTA ), I am entitled to require consumer reporting agencies to block and remove data resulting from identity theft. In accordance with these statutes, I have filed a complaint with the Federal Trade Commission ( FTC ) and provide copies of the FTC Identity Theft Affidavit and supporting documentation. 

XXXX XXXX XXXX Account # XXXX Balance : {$1300.00} XXXX  XXXXXXXX XXXX XXXX Account # XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Account # XXXX Balance : {$6100.00} XXXX XXXX  Account # XXXX Balance : {$2900.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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 dating back to XXXX of XXXX and did not authorize the disputed charges or accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2, and the Fair and Accurate Credit Transactions Act of XXXX ( FACTA ), I am entitled to require consumer reporting agencies to block and remove data resulting from identity theft. In accordance with these statutes, I have filed a complaint with the Federal Trade Commission ( FTC ) and provide copies of the FTC Identity Theft Affidavit and supporting documentation. 

XXXX XXXX XXXX Account # XXXX Balance : {$1300.00} XXXX  XXXXXXXX XXXX XXXX Account # XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Account # XXXX Balance : {$6100.00} XXXX XXXX  Account # XXXX Balance : {$2900.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00}

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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
An account is currently listed on my credit report. I would like to resolve this matter and improve my credit standing. {$400.00} has been written off as of XX/XX/year>. I could wait until it falls off 7 years from 2022, knowing that it is less effective as the years go by and it will be off my credit file eventually. I am aware that you all have claimed this {$400.00} as a loss, I would like to create a negotiation leverage. I would like to resolve this matter and improve my credit standing. I am offering XXXX % ( due to hardship ) as full and final settlement of this account. In exchange for this payment, I request that you remove this charge-off from all credit reporting agencies to which it has been reported. 

I would like to request a written confirmation that you all agree to this settlement and will report as " paid ''. Upon your written agreement, I will submit the payment immediately. I am submitting this payment through the CFPB to create an official, time-stamped record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

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 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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Westcreek Financial
State: MI

Complaint narrative:
The company advertises in low income communities praying on individuals with low to no credit offering a way to get items and make payments as a line of credit, once the agreement is signed they change it to a lease to own and not a line of credit. They advertise you make low monthly payments and instead once the loan is signed and payment is intitiated they inflate the charges and they request payments every 2 weeks. The payoff charges are more than the items is worth they interest rates are extremely high as well. The company is not using US agents they are overseas and barely speak english. The force you to add a bank account and then try to charge your card for extra payments. Not a good company to deal with and their reviews are horrible. My charges for the items are totally different from the receipt I received in store which seems a little suspect. Im not sure how I have a remaining balance of {$4300.00} for an item that is on my receipt for {$1500.00} for a sectional couch. You can not download the contract they make it where you can update payments or anything very unusual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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