vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I opened a dispute several times with Experian regarding the account XXXX XXXX on my credit report. Everytime the results come back as verified yet no documents or proof is provided to show how the account is being verified. This is a fraudulent account and not providing any proof is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq which requires credit bureaus to provide documentation verifying information when a consumer disputes its accuracy. Specifically, if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute and, if the information is verified as accurate, provide the consumer with a method of verification. Experian has not provided any documentation to confirm that anything has been verified. I require documentation as this account is fraudulent and not providing me with any documentation only perpetuates the fraud. This is a continuation of CFPB case # 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 2025-07-09 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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!

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
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!

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Purchased a vehicle used at the XXXX dealership. I was told what my monthly payments would be and my term length, agreed to it and that was that. We moved on the the finance room, and the manager there, didn't speak hardly any words to us and just told us to sign on the lines. We did, assuming that we were signing what we had agreed to. Four days later the lender reached out and told us what we are really being charged monthly and double the term length. I also told them that I wanted a power train warranty, and the sales person agreed. Speaking to the lender today, we don't actually have a warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Fraudulent claim of debt on XX/XX/year> by XXXX XXXX and Credence. Claim disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Debt Dispute and Request for Validation under FDCPA and FCRA To Whom It May Concern, This letter is in response to a recent communication I received from your office regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692e, and 1692f, I am formally disputing this debt and requesting validation.

Under 15 U.S.C. 1692g ( b ), once a consumer notifies a debt collector in writing that a debt is disputed, the collector must cease collection activities until verification of the debt is provided. I previously submitted such a dispute, and to date, you have failed to comply with your legal obligation to validate this debt. Please understand that I am not refusing to pay this debt ; however, I am requesting that you provide sufficient documentation to validate that I am legally obligated to pay it. 

I am requesting the following information in accordance with the law : The full name and address of the original creditor A complete accounting of the alleged debt, including principal, interest, and any fees A copy of the original signed agreement or contract bearing my signature ( if applicable ) Documentation that proves you are legally authorized to collect this debt in the state of North Carolina The date the debt was incurred and the date of last payment ( if any ) Additionally, under the Fair Credit Reporting Act ( FCRA ),

15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate or unverifiable information to credit reporting agencies. If this debt is being reported to any credit bureau, I demand that you immediately mark it as " disputed '' as required by law. Be advised that continued collection activity, including reporting to credit bureaus, without validation is a direct violation of the FDCPA and FCRA. Such violations may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and North
Carolina Attorney General 's Office, and may subject your agency to civil liability under 15 U.S.C. 1692k.

I am keeping a detailed record of all communications regarding this matter. You have 30 days from the receipt of this letter to respond with full validation. If you are unable to provide sufficient documentation, you must cease all collection activity and remove any reporting related to this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am requesting the deletion of a closed American Express credit card account ( XXXX ) from my credit reports due to inaccurate, conflicting, and unverifiable negative reporting across two credit bureaus a violation of the Fair Credit Reporting Act ( FCRA ).

TransUnion and Equifax reports the following payment history on this account : 1 30 days late 1 60 days late 3 90+ days late Equifax , however, reports : 1 30 days late 1 60 days late 19 90+ days late This is a significant and damaging inconsistency. One of these reports is false and neither TransUnion nor Equifax provided proper verification when disputed. 

I am requesting that the CFPB investigate and compel American Express to either : Provide conclusive proof and reconciliation of the correct data across both bureaus, or Delete the account entirely from all three credit bureaus for failure to report accurately and consistently I have screenshots of both TransUnion and Equifax reports available as evidence and can provide them immediately. 

I am pursuing this under FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-07-09 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a paid collection from 1st Credit Services related to XXXX XXXX. I attempted to cancel my membership online and believed it had gone through. I was contacted by the gym and I told them I canceled online and would not be paying. There was not any other information, billing statements or notices that were sent before the {$210.00} balance was sent to collections. Once I was notified, I paid the balance in full.

This is the only negative item on my credit report, and it is affecting my mortgage approval and eligibility for a down payment assistance grant as a first-time homebuyer. I respectfully ask that
1st Credit Services remove this account from my credit report due to the improper handling of the cancellation and lack of communication prior to collection reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX  account reporting history from XX/XX/year> and XX/XX/year> was marked late and i have requested company to update to current or to leave that month blank as this error is effecting my report and home buying options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: WA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
My Discover account was a charge off and a settlement was made with XXXX XXXX XXXX XXXX collecting for Discover account ending in XXXX. The settlement amount was {$1500.00} and I made payments as follows : XXXX installment settlement payment ( XXXX ) for your DISCOVERBANK account through XXXX XXXX XXXX XXXX for the account ending XXXX to pay the total settlement amount of {$1500.00} as follows? 

XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$370.00} Totaling {$1500.00} - the account has been settled since XXXX and still will not update my credit report showing payments made nor will they update the balance. 

I have all supporting documents showing the payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill legal obligations under the fair credit Act ( FCRA ) to conduct a reasonable reinvestigation under 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 two furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or it means the dispute account, as Experians in action, violates the federal law and my rights as a consumer.

Company response to consumer: Closed with explanation