vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: MA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/2020. A error was reported to chime. Where the wrong information was put in for a transaction. I immediately went to cancel. Called the XXXX number and sent over the information to report the error. First representative said I would get my money back in XXXX hours. The next day no reversed payment was issued. So I emailed them and sent over the details explaining who and why it was an error for the amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Subject : Complaint Against Experian Failure to Properly Investigate and Correct Inaccurate Credit Reporting Dear CFPB, I am submitting this complaint regarding Experians handling of my credit dispute. On XX/XX/year>, I filed a complaint through the CFPB Complaint Portal concerning fraudulent and/or inaccurate information on my Experian credit report. Despite providing supporting documentation and clearly identifying the disputed accounts, Experian failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

In their response, Experian indicated that they simply contacted the data furnishers and accepted their verification without adequately considering the documentation I submitted or investigating beyond the furnishers claims. This approach does not meet the standard of a reasonable reinvestigation under FCRA Section 611. A credit reporting agency has an independent duty to evaluate disputed items and can not merely rely on the furnishers response. 

The disputed information continues to remain on my report despite being inaccurate, unverified, or fraudulent. This inaccurate reporting is causing ongoing harm to my creditworthiness and financial opportunities. 

My specific concerns include : 1. Experian failed to provide clear details regarding how the furnisher verified the disputed information.

2. Experian did not demonstrate that it considered the supporting evidence I submitted.

3. Experians response effectively placed the burden back on me to contact the furnisher directly, which undermines their duty as a consumer reporting agency.

4. Experian continues to report inaccurate and/or fraudulent information despite its inability to properly verify the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
The inaccurate late payments are still showing up on my credit report today, despite my attempts to refresh it. I am very frustrated and insist that the documents Ive sent be reviewed right away so this issue can be fully resolved.

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 2025-09-11 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-09-11 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:
Equifax is inaccurately reporting two XXXX student loan accounts tied to XXXX XXXX XXXX as open/charged-off with inflated balancesone listed at {$5900.00} ( original {$5500.00} ) and another at $ XXXX ( original {$6000.00} ). 

On XX/XX/year>, the U.S. Department of Education issued me an official Borrower Defense Group Discharge letter confirming both loans were fully dischargedno balance is owed. 

XXXX is no longer servicing federal loans and can not validate these debts. Reporting these discharged loans as open/charged-off inflates my debt balance/utilization and jeopardizes my federal security clearance. 

I have already filed a related CFPB complaint against XXXX  ( ID # XXXX ) regarding the same loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name ATTORNEY GENERAL-XXXX  Account number XXXX Account type Child support Date opened XX/XX/XXXX Balance {$1500.00} Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$60000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
The credit bureaus are inaccurately reporting my accounts. XXXX XXXX XXXX XXXX XXXX XXXX is listed under different names with conflicting closure dates ( XXXX vs. XXXX ) and continues to show a {$19000.00} past due balance and lates after charge-off. XXXX XXXX XXXX is also reported as charged off but continues to add late payments into XXXX and inflated balances ( {$7000.00} vs. {$5700.00} original ). These actions violate the FCRA ( 611, 623, 1681e ( b ), 1681c3 ), and I request deletion or correction and suppression of abusive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
I have called and spoken with and also use their website to try to correct personal information which was not deleted, it was updated. this is inconsistent and incorrect protocol. And using fraudulent activity, misleading activity, and removing the information from my account.. Fair Credit Reporting Act ( FCRA ) The main federal law governing credit reports. 
Gives you the right to dispute inaccurate or incomplete information on your credit report.

Credit Reporting Agencies ( CRAs ) like XXXX, XXXX, and TransUnion must investigate disputes within 3045 days.

If information is found to be incorrect or unverifiable, it must be deleted or corrected. 
You also have the right to a free copy of your credit report annually from each major CRA.

2. Fair and Accurate Credit Transactions Act ( FACTA ) Amended the FCRA.

Gives consumers the right to : Obtain a free annual credit report.

Place fraud alerts if they suspect identity theft.

Dispute errors more easily.

Requires creditors and CRAs to truncate account numbers on certain documents to reduce risk of fraud.

3. Equal Credit Opportunity Act ( ECOA ) While focused on preventing credit discrimination, it indirectly affects credit reporting. 
If a lender reports incorrect information that results from discriminatory practices, it can be challenged under ECOA.

4. Fair Debt Collection Practices Act ( FDCPA ) Applies to debt collectors, not directly to CRAs.

However, if a collector reports false or inaccurate debt information to CRAs, you have rights under both the FDCPA and FCRA to dispute it.

5. State Consumer Protection Laws Many states have their own versions of the FCRA.

Some states provide additional protections ( e.g., shorter investigation timeframes, more damages if CRAs fail to correct errors ).

For example, Californias Consumer Credit Reporting Agencies Act gives enhanced dispute rights.

6. Consumer Financial Protection Bureau ( CFPB ) Rules The CFPB enforces the FCRA and issues regulations. 
Consumers can file complaints directly with the CFPB if CRAs or creditors fail to correct errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AL

Complaint narrative:
Despite my repeated efforts to resolve the ongoing issue of fraudulent inquiries appearing on my consumer report, the matter remains unaddressed. These inquiries are in no way connected to me, nor have I ever authorized them. As a documented victim of identity theft, I should not be held responsible for activity that I did not initiate or consent to. The continued presence of these inaccurate entries has caused severe emotional strain and has significantly disrupted my financial stability. Not only have they damaged my credit standing, but they have also obstructed major life goals such as securing my dream home and ensuring long-term stability for my family. For further clarity, I have enclosed a copy of the letter I previously submitted to the Federal Trade Commission ( FTC ), which provides additional details on the identity theft and the harmful impact of these fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 extremely frustrated that the inaccurate accounts are still appearing on my credit reports, and they were not removed at all. I urgently need the documents I submitted to be carefully reviewed so I can finally stop living with this constant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AL

Complaint narrative:
I am submitting this complaint on my own behalf after carefully reviewing my credit record and identifying the presence of late payments that do not accurately reflect my history. Over 30 days ago, I sent letters requesting clarification and proper validation of these entries, yet I have not received any response or adequate documentation that justifies their reporting. This lack of action has left me with unresolved concerns and uncertainty regarding the accuracy of my consumer report. The absence of validation not only undermines my confidence in the reporting process but also places unnecessary strain on my financial standing, as these inaccurate entries can have a negative impact on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: WA

Complaint narrative:
Its very upsetting to see that the inaccurate accounts remain on my credit report without being removed. Im pleading for a thorough review of the documents I sent so I no longer have to carry this constant worry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-11 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while undermining my financial credibility. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft, and these erroneous entries continue to damage my creditworthiness and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the matter remains unaddressed and continues to cause ongoing harm. The continued reporting of these false items has had a profound effect on both my personal and financial life, creating unnecessary stress, anxiety, and hardship. I must emphasize that I never authorized, approved, or consented to the association of this information with my identity. As a victim of identity theft, I am being forced to deal with the damaging consequences of actions that were committed without my knowledge or involvement, and the lack of resolution has only worsened the negative impact on my financial stability and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
It is very upsetting to see that the inaccurate accounts continue to remain on my credit reports, even after everything Ive provided. I am pleading for you to go through my attached documents thoroughly so I dont have to carry this burden any longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
My consumer credit file continues to contain erroneous and fraudulent entries that have persisted despite repeated efforts to have them corrected through proper dispute channels. These unauthorized accounts and transactions, which resulted from identity theft crimes committed against me, have created substantial personal hardship and emotional distress that affects my daily functioning. The ongoing presence of these illegitimate items on my report serves as a constant reminder of the violation I experienced and prevents me from accessing fair credit opportunities that should rightfully be available to me.

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 2025-09-11 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX -INACCUARTE-FALSE REPORTING..... 
-VICTIM OF XXXX  XXXX XXXX  15USC 1681C-3 XXXX XXXX XXXX- {$6400.00} XXXX XXXX XXXX- {$9900.00} XXXX XXXX XXXX- {$3900.00} I'M IN THE PROCESS OF BUYING A HOME AND THESE THINGS ARE HINDERING ME. I'M ALSO A VICTIM OF DATA BREACH & IDENTITY THEFT. PLEASE BLOCK AND DELETE THE ACCOUNT WITHIN 4 BUSINESS DAYS OURSANT TO FRCA 605B15 U.S.C 1681C-2.

Company response to consumer: Closed with explanation