vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: IN

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am unaware of this debt account XXXX and did not have an opportunity to dispute this account. If you believe that you have provided proper notification, please provide 'Certified Mail ' with a receipt showing my signature. If not, please delete account XXXX from my report as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
To Whom It May Concern, Please be advised that my legal name is XXXX XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX. My Social Security Number is XXXX, and my date of birth is XX/XX/XXXXXXXX This correspondence constitutes a formal dispute and request, submitted pursuant to 15 U.S.C. 1681c2 ( FCRA Section 605B ), for the immediate blocking of all fraudulent and unauthorized information appearing on my consumer credit report as a result of identity theft. Specifically, I am requesting that the following information be permanently blocked from my credit file maintained by XXXX Experian, and XXXX  : A personal loan allegedly opened at XXXX XXXX on or around XX/XX/XXXX, under account number ending in XXXX, which I did not initiate, authorize, or open. Fraudulent hard credit inquiries, including but not limited to : XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Any related collections or tradelines resulting from the above-referenced fraudulent activity. I affirm under penalty of perjury that I did not authorize, open, or otherwise engage in any transactions related to the accounts or inquiries identified above. These entries are the direct result of identity theft and are materially false, inaccurate, and damaging. In accordance with FCRA 605B, I am submitting this request with supporting documentation, including a copy of my FTC Identity Theft Complaint ( # XXXX ), as required by law. Upon receipt of this complaint and supporting documentation, the aforementioned consumer reporting agencies are legally obligated to block the identified fraudulent information from my credit file within four ( 4 ) business days.Failure to comply with this statutory obligation may constitute a violation of the FCRA and may result in further legal action.Please confirm receipt of this dispute and provide written confirmation of the blocking of the disputed information via email : XXXX Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I am unaware of this debt account XXXX and did not have an opportunity to dispute this account. If you believe that you have provided proper notification, please provide 'Certified Mail ' with a receipt showing my signature. If not, please delete account XXXX from my report as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer overlook, as they are severely impacting both my life and credit scorehindering my ability to achieve financial freedom and stability.

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 2025-07-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have fraud charges on the WAY2GO card provided by the Ga Dept of labor for unemployment - there is a transaction on my card for XXXXXXXX XXXX - this is fraud, and when 1st thing- it is impossible to find a live person you can speak to at the way2go program. When I did get someone, I asked a couple of times who/what company charged my card fraudulently- the customer service rep was rude and dismissive - and frustrated because I asked several times who created this fraud. This company is so dismissive to people - whi mind you, have not asked to be unemployed! Rude, their cards are not secure and now I can not get my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: VA

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 non-monetary relief
Consumer complaint received 2025-07-25 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: VA

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 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 2025-07-25 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

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 2025-07-25 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: NJ

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question appears under the name Security Credit Services, with an account number ending in XXXX. 

Specifically, I am disputing the Date Opened and/or other details that appear to be inaccurate, misleading, or re-aged, which may result in an incorrect and unfair extension of the accounts reporting period.

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 2025-07-25 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question appears under the name Security Credit Services, with an account number ending in XXXX. 

Specifically, I am disputing the Date Opened and/or other details that appear to be inaccurate, misleading, or re-aged, which may result in an incorrect and unfair extension of the accounts reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for its failure to respond to a formal dispute I mailed in connection with a letter dated XX/XX/year>. In that letter, I requested an investigation into inaccurate items on my credit report, as well as the correction of incorrect personal information listed in my credit file. To support verification of my identity, I included a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. Despite providing complete documentation and a clearly stated request, Experian has not issued any response or provided the results of an investigation. 
It has now been over 30 days since I submitted the dispute, yet I have received no communication or resolution from Experian. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information in their file. Experians failure to act appears to be a direct violation of this obligation and a denial of my rights under federal law. 
I am including a copy of the original dispute letter dated XX/XX/year>, as supporting evidence for this complaint.

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 2025-07-25 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: TN

Complaint narrative:
In XX/XX/year>, I submitted a dispute to Experian regarding several negative items on my credit report that I believed were inaccurate or unverifiable. On XX/XX/year>, Experian issued the results of its reinvestigation. XXXX of the accounts in questionXXXX XXXX XXXX initially removed from my credit report but was later reinserted without any proper notice or documentation, as required by the Fair Credit Reporting Act ( FCRA ). The account reflects a charge-off with a past-due balance of {$28000.00}. 

Experian also verified other disputed accounts without providing any documentation from the creditors : XXXX XXXX XXXX XXXX ( Charged off for {$1600.00} ) XXXX XXXX XXXX ( Settled with {$220.00} written off ) XXXX ( Paid and closed, but shows {$17000.00} written off ) I have made multiple efforts to correct these errors directly with Experian, but the dispute process lacked transparency and failed to resolve my concerns. The reinvestigation did not result in meaningful verification or correction and did not provide documentation supporting the accuracy of the negative information. 

I am requesting the CFPB to investigate this matter, particularly the reinsertion of the XXXX XXXX account, and require Experian to either provide evidence from the original furnishers or remove the items from my credit report in compliance with FCRA requirements.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
U.S. Bank is violating the Fair Credit Reporting Act ( FCRA ) by re-aging a charged-off account and reporting a charge-off ( CO ) every month from XXXX through XX/XX/XXXX. 
The account ( ending in XXXX ) was opened in XX/XX/XXXX ; Delinquency started XXXX, with XXXX late payments clearly documented ; It was charged off in early XXXX, as indicated on the credit report ; Yet U.S. Bank continues to report the status as CO each month, including up to XX/XX/XXXX - over 5 years of repeated charge-offs. 

This is not only inaccurate but highly misleading, as it : Artificially depresses my credit score ; Suggests new delinquencies are happening monthly ; Violates FCRA 623 ( 15 U.S.C. 1681s2 ) by misrepresenting the accounts status I have disputed this multiple times with XXXX XXXX XXXX XXXX  but they claim U.S. Bank has verified the information and that U.S. bank response indicates that it remains accurate. This is unacceptable. 

I am kindly requesting that the CFPB : XXXX. Investigate U.S. Banks re-aging practices ( as I guarantee I am not the only one experiencing this illegal impact ; 2. Order U.S. Bank to stop monthly CO reporting ; 3. Require them to report the original charge-off only once and reflect the correct Date of First Delinquency ( XXXX ) ; XXXX. Instruct all XXXX credit bureaus to correct the tradeline, please. 

Please let me know if you require/need further evidence clearly showing the repeated CO markings on my credit report, which confirms the re-aging. 

Thank you for your assistance. Respectfully

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to report numerous hard inquiries on my credit report that I did not make, authorize or have knowledge of. These inquiries do not reflect any actions taken by me, and I am concerned that they may be the result of fraud or identity theft. I request that these unauthorized hard inquiries be thoroughly investigated and permanently removed from my credit report, as they negatively impact my credit standing through no fault of my own.

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 2025-07-25 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:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation