vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. 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 on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed an inquiry on my credit report that I did not authorize. I tried to have the bureau remove the inquiry but not successful. I would like to have the inquiry removed.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a consult that I dont recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
TO His Excellency The President of the United States Of America Subject : Complaint Against Citibank 's President for Misguiding Customers and Wasting Public Time Respected Sir, I am writing to lodge a formal complaint against the President of Citibank XXXX for serious negligence and customer mistreatment. The bank 's management, under his leadership, has been misleading customers and wasting their valuable time by failing to resolve persistent technical issues in their online account opening process. 
Despite repeated attempts, customers ( including myself ) are unable to open accounts online due to useless and unresolved technical errors. When approached for assistance, the bank provides vague or misleading responses rather than genuine solutions, causing unnecessary inconvenience and loss of time. 
Such practices not only tarnish the image of Citibank in XXXX but also undermine the trust of the public in our financial institutions. I request your esteemed office to : Direct the XXXX XXXX XXXX XXXXXXXX and other relevant regulatory bodies to investigate these customer service failures. 
Take appropriate action against Citibank 's XXXX for allowing such negligence and mismanagement. 
Ensure that the bank implements a reliable, functional, and customer-friendly online account opening process I believe that protecting citizens from corporate negligence is essential to maintaining public confidence in United States Of America banking sector.

Compensation And Damages, It is therefore respectfully prayed that this Honorable Court may kindly be pleased to : Decree damages against the Defendant in the sum of $ [ XXXX Billions ] Direct the Defendant to provide compensation for mental agony and business losses ; Grant any other relief as deemed just and proper in the interest of justice. 
I humbly request your intervention in ensuring justice and fairness in this matter. 
Your immediate intervention will safeguard the rights of citizens and uphold professional ethics in XXXX 's financial institutions. 
Yours faithfully, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
This morning, I was shocked to see that unauthorized inquiries are still appearing on my credit report. I have no idea why this is happening. I even refreshed my browser thinking it might be a glitch, but nothing changed. These inquiries remain, and I am demanding that the documents I sent be reviewed immediately so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. 

I demand the following accounts be removed immediately XXXX. The Date Reported is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove It From My Report XXXX. The High Balance is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove It From My Report XXXX. The Date of Last Activity is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove It From My Report XXXX. The Date Reported is Wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove It From My Report Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$450.00}

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 2025-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank : Friday XX/XX/2025. I had a scheduled appointment at an XXXX TX branch. ( I live in the XXXX area but no areas opened for appointments so I was visiting XXXX and figured wouldnt be a problem as long as I provided official documents. ) I provided my drivers license, social security and marriage certificate for proof of identity. The bank rep took it and continued to make my account. I got paid that Tuesday and noticed I didnt get my direct deposit. They stated my account had flagged for fraud. Then transferred me to the fraud department whom then connected to another department and thats when another lady then told me CHASE did not want to bank with me due to fraud activity. No fraud activity happened. I had the account no longer than XXXX  days. Nobody would give me a reason as to why. Just stated Chase did not want to bank with me and thats a form that was signed when account sign up was completed. Well after numerous attempts for the paperwork and arguments I finally gave up. I went another week fighting them and XXXX to not withhold my number so that I could use with another bank for usage. They wouldnt let go of my number, which doesnt make any sense because if they dont want to let it go then I suggest they pay me over {$5000.00} in funds to pay my bill that Ive had 6 months without being able to use my phone number. According to XXXX this has been happening to a lot of people. I honestly want to know the reasoning as to why a big corporation can allow this to happen and then not pay the consumers phone bill since themselves and XXXX want to withhold numbers that dont belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I entered into a solar lease agreement with GoodLeap and XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I informed GoodLeap I wished to cancel the contract on XX/XX/XXXX. I was told no funds had been disbursed to XXXX and cancellation could proceed. I emailed XXXX that same day advising them that there was no longer any funds to continue this project. 

However, I later learned that on XX/XX/XXXX, GoodLeap disbursed funds to XXXX on XX/XX/XXXX, after they certified the project as complete. This is false. Only the physical installation of panels was done there has been no interconnection to the utility, no Permission to Operate ( PTO ), and the system is not generating electricity.

My GoodLeap XXXX XXXX XXXXXXXX XXXX XXXX, clearly defines Activation Date as : The date that the System is turned on and generating power after receiving any required utility approval ( e.g., permission to operate ).

GoodLeaps representative told me panel installation alone is sufficient for payment. This is inconsistent with the written contract, industry standards, and consumer protection law. By releasing funds based on a false claim of completion, GoodLeap has relied on a material misrepresentation by XXXX and violated the agreement. 

XXXX has repeatedly engaged in misleading and dishonest practices, and I do not want them to perform any further work on my property. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of my GoodLeap XXXX XXXX XXXX explicitly states that GoodLeap will not put a lien on your Home. Despite this, I have discovered that a lien has been placed on my property. This is a direct breach of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
The CRA failed to provide verification details for a disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
It is illegal!! I never authorized or signed any information to release anything on my credit report to anyone else.... Every time I pull my credit report I noticed that inaccuracy of my personal information that XXXX  transunion and Equifax keep sending out. 15 U.S Code 1666... Delete hard credit inquiries. 15 U.S.Code 1681... 15 U.S. Code 1681 ( c ) 2... There is incorrect personal information being reported by XXXX, transunion and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am disputing these accounts as they were not opened by me. They may involve identity theft. Please investigate thoroughly and remove them. Documents are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL COMPLAINT XXXX XXXX XXXX  UNLAWFUL DEROGATORY REPORTING To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX ( XXXX  ) for their unlawful placement of a derogatory mark on my credit report. 

XXXX XXXX XXXX is reporting an alleged account ( Account XXXX. XXXX ) on my credit file, which I have previously disputed. Despite my dispute, this company continues to report the account without providing valid documentation or proof of the debt from the original creditor. 

This conduct is a direct violation of : Fair Credit Reporting Act ( FCRA ) Sections 609 & 611 ( failure to properly verify disputed information ) Fair Debt Collection Practices Act ( FDCPA ) Sections 807 & 809 ( reporting inaccurate information and failing to provide debt validation ) I have made multiple requests for validation of this debt, yet XXXX XXXX XXXX has failed to provide any original signed contract, complete payment history, or proof of ownership of the debt. The fact that they continue to report this derogatory item without proper verification is unlawful and damaging to my creditworthiness. 

I am requesting that the CFPB : XXXX. Investigate XXXX XXXX XXXX reporting practices regarding my account. 
XXXX. Require them to immediately delete this derogatory mark from all three credit bureaus ( XXXX XXXX XXXX  TransUnion ). 
XXXX. Ensure full compliance with both the FCRA and FDCPA. 

I have enclosed copies of my credit report highlighting the XXXX XXXX XXXX XXXX, along with prior dispute correspondence. 

This derogatory reporting has caused me financial harm, loss of credit opportunities, and emotional distress. I expect the CFPB to address this matter urgently and hold XXXX XXXX XXXX accountable for their repeated 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 non-monetary relief
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
This complaint supplements and continues CFPB XXXX XXXX. XXXX. Due to portal restrictions, I am unable to upload additional material to that case, so I am submitting this as a new complaint solely to provide new, material evidence. 

Enclosed are Exhibits XXXX, XXXX, XXXX along with payoff letters and documentation proving that the XXXX XXXX XXXX  XXXX  XXXX  in dispute were paid in full during a forced mortgage refinance on XX/XX/XXXX. These payments were made directly by the mortgage lender to XXXX with the understanding that the accounts would be resolved in full and that derogatory reporting would be corrected or removed. 

Despite this, Equifax continues to report : False Charge-off statuses on all three accounts, which is inaccurate once the debts have been paid in full. 
Contradictory Metro 2 fields showing Paid/Closed while still reporting the accounts as charge-offs. 
False last payment and date updated entries from XXXX and XX/XX/XXXX that improperly re-age the accounts, in violation of FCRA 605 ( c ).

High balances and credit limits being reported well after account closure, which misrepresents the consumers credit utilization history.

Violations : FCRA 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation despite receiving proof of inaccuracy.

FCRA 1681s-2 ( b ) Continued reporting of information known to be false after disputes.

Metro 2 Standards Contradictory statuses and improper re-aging. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS LISTED... 
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

THIS ACCOUNT IS CHARGED OFF AND NO LONGER SHOULD BE ON MY CREDIT 15 USC 1681S-2 FCRA 605 ( b ) Block 15 U.S.C 1681iaa THIS ACCOUNT WAS SOLD MAKING IT NOT MY DEBT PLEASE REMOVE THIS ACCOUNT ASAP 15 U.S.C 1692g I DONT HAVE A CONTRACT WITH THIS COLLECTION COMPANY LISTED. I REPORTED THEM TO THE FTC FCRA 605B ( 15 U.S.C. 1681c-2 ) SO PLEASE REMOVE THIS ACCOUNT... THIS IS ILLEGALY REPORTED AND 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
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 response to consumer: Closed with explanation