vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I mailed Equifax a written dispute on XX/XX/year> concerning XXXX XXXX XXXX tradelines ( ending XXXX, XXXX, and XXXX ). 

Equifax completed its reinvestigation and claimed the information was verified. 

On XX/XX/year>, I mailed Equifax a separate written Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ) for all XXXX XXXX XXXXXXXX accounts. XXXX tracking confirms delivery. 

An MOV request is not a dispute. It simply requires Equifax to disclose how the verification was done and what information was relied upon. 

Equifax never provided the legally required MOV information under 611 ( a ) ( 7 ). 

Instead, on XX/XX/year>, Equifax sent a letter refusing to investigate and labeling my request frivolous, even though : My MOV was not a repeat dispute I provided new evidence Equifax did not explain why it considered the request frivolous ( required by 611 ( a ) ( 3 ) ) Equifax did not provide any MOV results Equifax improperly treated my dispute, my MOV letter, and my CFPB complaint as the same dispute, which is incorrect To date, Equifax has provided : No furnisher name No address No phone number No documents reviewed No verification procedure No confirmation whether e-OSCAR was used This violates FCRA 611 ( a ) ( 7 ), 611 ( a ) ( 6 ), and 611 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 filing this complaint because Equifax mishandled my identity-theft dispute under FCRA 605B and created multiple barriers that prevented me from properly disputing. I originally submitted an FBI XXXX  Complaint during the federal shutdown, and Equifax should have treated it as valid identity-theft documentation. Instead, they handled it as a standard investigation with no urgency, no blocking, and no 605B process.

This CFPB complaint is my escalation and includes my newly filed FTC Identity Theft Report, created today now that the government shutdown no longer prevents FTC submissions.

Even after receiving the XXXX report, Equifax refused to block identity-theft items and issued responses claiming that fraudulent inquiries were statements of fact. No Method of Verification was provided for any item, despite requiring MOV under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). I also received a vague refusal-to-block with no explanation.

Additionally, the Equifax portal repeatedly failed : login errors instructed me to call support ; once logged in, the portal timed out for inactivity even while I was actively entering disputes. This prevented me from submitting disputes electronically and forced me to rely on mail and, now, the CFPB. 

My SSN, email login credentials, passwords, and banking/debit-card information were exposed in multiple data breaches ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I also previously lived with other adults who may have accessed my documents. These exposures led to unauthorized addresses, inquiries, and accounts appearing on my Equifax report.

Equifaxs actions violate FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) (
5 ) ( A ), and 605B, and Alabamas Deceptive Trade Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 just want to follow up this complaint regarding multiple inaccuracies on my credit report, including incorrect addresses, misreported charge-offs, collections, and disputed inquiries. My addresses are inaccurately listed as XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; and XXXX XXXX XXXX XXXX XXXX, FL XXXX. Several charge-offs are inaccurately reported, including XXXX XXXX  ending XXXX with a balance of {$4300.00}, XXXX XXXXXXXX with {$290.00}, XXXX XXXX XXXX XXXX {$2200.00}, XXXX XXXX XXXX XXXX with {$670.00}, and XXXX XXXX XXXX with {$3100.00}. Collections are also misreported or inaccurately attributed, including XXXX XXXX  ( Original Creditor : City of Tallahassee Utilities XXXX ) with {$180.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with {$1700.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with {$1700.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) with a {$0.00} balance. Additionally, there are inquiries that I am disputing, including XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX while several inquiries are inaccurately listed and not disputed, such as XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These inaccuracies are negatively affecting my creditworthiness,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Equifax is reporting XXXX closed accounts with active past-due balances that are inaccurate and misleading under the Fair Credit Reporting Act. 

XXXX ) XXXX  Balance {$21000.00} Closed but reporting as past-due XXXX ) XXXX XXXX XXXX XXXX {$290.00} Closed but reporting as past-due Equifax has failed to XXXX lawful documentary verification proving : A valid consumer obligation Lawful balance calculation Lawful authority to report a past-due amount on a closed account Chain of custody or assignment ( ECMC ) This violates FCRA 611 and 623. I demand immediate deletion of both accounts from my credit file and written confirmation. 

Failure to delete will result in civil action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
The information reported is inconsistent between all three bureaus. 

Each bureau shows different dates, different late payment history, and different statuses : XXXX  : Shows Paid XX/XX/XXXX, then 30 days late for XX/XX/XXXX and XX/XX/XXXX. 
TransUnion : Shows Paid XX/XX/XXXX, but also marks 30 days late for XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : Does NOT report XX/XX/XXXX or XX/XX/XXXX at all, and reports 60 days late for XX/XX/XXXX. 

These completely contradictory entries can not all be accurate and violate : FCRA 1681e ( b ) failure to maintain reasonable procedures for accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnisher may not report information it knows or should know is inaccurate FCRA 623 ( a ) ( 8 ) right to dispute directly with the furnisher FCRA 611 ( a ) failure to conduct a reasonable reinvestigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
The information reported is inconsistent between all three bureaus. 

Each bureau shows different dates, different late payment history, and different statuses : XXXX  : Shows Paid XX/XX/XXXX, then 30 days late for XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : Shows Paid XX/XX/XXXX, but also marks 30 days late for XX/XX/XXXX and XX/XX/XXXX. 
Equifax : Does NOT report XX/XX/XXXX or XX/XX/XXXX at all, and reports 60 days late for XX/XX/XXXX. 

These completely contradictory entries can not all be accurate and violate : FCRA 1681e ( b ) failure to maintain reasonable procedures for accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnisher may not report information it knows or should know is inaccurate FCRA 623 ( a ) ( 8 ) right to dispute directly with the furnisher FCRA 611 ( a ) failure to conduct a reasonable reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
WHAT HAPPENED I am the victim of identity theft involving a fraudulent account furnished by XXXX XXXX. I did not open, authorize, or benefit from this account. 

I previously disputed this account as fraudulent and submitted identity-theft documentation. Despite this, TransUnion has re-added ( reinserted ) the fraudulent XXXX tradeline, as shown in the screenshots submitted today. This reinsertion occurred after identity-theft notice, without providing the required written furnisher certification and without applying the mandatory identity-theft block. 

Key facts establishing fraud have been ignored : I have never banked with XXXX XXXX XXXX XXXX XXXX bank information associated with this account does not belong to me I did not provide banking credentials, routing numbers, or authorization The use of non-associated bank information is a material identity-theft indicator XXXX  appears to rely on an alleged electronic application to validate the debt. I have already demonstrated that this application is not mine, is fraudulent, and is legally unenforceable. It fails to satisfy the XXXX XXXX ( 15 U.S.C. 7001 ) because there is no proof of affirmative consent to transact electronically, no authenticated electronic signature attributable to me, no identity-verification process, no IP or device attribution, and no timestamped XXXX XXXX. An invalid electronic application can not rebut an identity-theft claim. 

TransUnion XXXX XXXX XXXX of Proof Shifted In XX/XX/year>, TransUnion publicly disclosed a significant data-security breach affecting over XXXX XXXX consumers, involving unauthorized access to sensitive personal identifying information through a third-party system. I have never received written notice confirming whether my information was included or excluded. 

As a result, TransUnion can not affirm the integrity of my consumer file and can not rely on automated systems, internal records, or unverified furnisher assertions as presumptively accurate. This breach triggers a heightened duty of care under FCRA 607 ( b ) and shifts the burden entirely to TransUnion and XXXX to establish accuracy with documentary, third-party-verifiable evidence. 

Despite these obligations, TransUnion reinserted a known fraudulent tradeline after identity-theft notice, relying on invalid application data, failing to apply the identity-theft block under FCRA 605B, and failing to provide reinsertion certification under FCRA 611 ( a ) ( 5 ) ( B ). These actions violate FCRA 605B, 607 ( b ), 611 ( a ), and 623, and have caused ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Kiavi, Inc.
State: NY

Complaint narrative:
KIAVI XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, Pennsylvania XXXX Phone XXXX KIAVI is listed as a service provider for Loons. However, this company is engaging in blatant exploitation due to a lack of oversight. 

For example, they gave me a loan with an extremely high interest rate for designs, even exceeding 7 % annually, meaning over 12.99 %. In addition, they provided a loan for repairing two houses, but I did not use the money from this loan. Nevertheless, they are charging interest on these funds, contributing to financial hardship and violating all regulations and laws, including those of the bank, causing me damages exceeding half a million dollars.

Therefore, I am filing this complaint against this organization and requesting that this practice be stopped. I am also concerned about their disregard for all instructions, laws, and regulations pertaining to real estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 just want to follow up this complaint regarding multiple inaccurate reporting and collection issues on my credit report. My addresses have been incorrectly listed, including 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 Several accounts are reported inaccurately, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00}, Chargeoff ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance Owed : {$0.00}, Chargeoff ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00}, Chargeoff ), and XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$0.00}, Chargeoff ), despite these accounts being closed or paid. Collections are also incorrect, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$1000.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX : {$750.00} ), and XXXX accounts with inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is reporting multiple inaccurate inquiries dated XX/XX/XXXX, including on accounts that do not belong to me or have inaccurate addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Happy Money, Inc.
State: NC

Complaint narrative:
1. Happy Money Has Provided ZERO Proper Verification I have previously disputed this account, yet Happy Money has never provided : A signed original agreement Full accounting records Proof of the original balance Documentation validating the current balance Verification that they still have the legal right to report or collect Reporting a debt without providing validation is a violation of FCRA 1681s-2 ( b ) and furnishing inaccurate information to the bureaus.

2. The Account Is Extremely Old and Questionably Reported At 6 years and 5 months old, the account is approaching the 7-year reporting limit.

I have reason to believe : The Date of First Delinquency ( DOFD ) may have been altered or re-aged The furnisher is prolonging negative reporting to continue harming my credit Re-aging a debt is illegal, and if this account is within months of exclusion, it must be removed immediately.

3. The Reported Balance Is Unsupported and Potentially Invalid The reported balance of {$19000.00} is extremely high for a closed account of this age. 
Happy Money has NEVER provided : How this amount was calculated Proof of remaining principal vs. fees or interest Any documentation confirming that this is accurate Reporting a balance without evidence is misleading and non-compliant.

4. Failure to Conduct a Reasonable Investigation My prior disputes resulted in generic, automated responses with no meaningful review of records.

This violates the furnishers duty to conduct a reasonable investigation, as required under the FCRA.

5. Ongoing Financial and Emotional Harm This outdated, unverified account is causing : Substantial score damage Loss of credit opportunities Artificial inflation of my debt load Long-term financial pressure A furnisher can not continue reporting unvalidated or obsolete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) DEPT OF EDXXXX  Amount : {$2900.00} Date Opened:XXXX 2 ) DEPT OF ED/XXXX Amount : {$140.00} Date Opened:XXXX 3 ) DEPT OF ED/XXXX  Amount : {$2100.00} Date Opened:XXXX 4 ) DEPT OF EDXXXX Amount : {$2800.00} Date Opened:XXXX Incorrect names listed : 1 ) XXXX XXXX Incorrect addresses listed 1 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 6 ) XXXX XXXX CT XXXXXXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX  CARD 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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