vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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 submitting this dispute certain information that I found on my credit report and that I believe to be inaccurate. I have been reviewing my credit profile closely, as I understand the critical role it plays in shaping my financial future. 
During my review, I was alarmed to find that listed on my report are not accurate, and there are late payments and inaccurate address reported on my XXXX XXXX account that do not reflect my true payment history. These discrepancies are not only misleading but have had a negative impact on my credit score, making it harder for me to secure financial opportunities that I am entitled to. 
XXXXXX/XX/XXXXXXXX, WA, XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, WA, XXXXXX/XX/XXXXXXXX XXXX Balance : {$760.00} late XX/XX/XXXX days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Under FCRA XXXX ( a ) ( XXXX ), I understand that furnishers have a duty to report accurate and up-to-date information, and FCRA XXXX ( b ) clearly outlines the responsibility of creditors to thoroughly investigate any disputes. Furthermore, the intent of Congress under FCRA XXXX is to ensure that all information reported to credit bureaus is accurate, complete, and fair. The errors in my credit report violate these legal protections and have caused unnecessary harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am submitting to submit a second-round dispute regarding inaccurate late payment entries reported on my Equifax, TransUnion and Experian credit file for the account listed as XXXX XXXX XXXX Account XXXX. XXXX. I previously disputed these errors, but the results of your initial reinvestigation failed to correct the inaccuracies or provide adequate verification as required under the Fair Credit Reporting Act ( FCRA ). Because the information remains incorrect, I am requesting that Equifax, TransUnion and Experian conduct a further, more thorough reinvestigation in compliance with FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681e ( b ), 1681i ) to ensure maximum possible accuracy of the data reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
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

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 2025-11-06 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:
I am submitting to formally dispute inaccurate late payment account reported on my credit file. I recently reviewed my credit report, only to find several discrepancies regarding my XXXX XXXX XXXX account that I believe are both incorrect and unfairly damaging to my credit profile. 
The account in question is listed as XXXX XXXX XXXX ( Account XXXX. XXXX ) with a balance of {$640000.00}. The account was opened on XX/XX/XXXX, and the last payment date is recorded as XX/XX/XXXX. Upon reviewing the payment history, I noticed multiple late payment entries that do not accurately reflect my payment behaviour. Under FCRA XXXX ( 15 U.S.C XXXX ), I am entitled to dispute any inaccuracies in my credit report. FCRA XXXX ( a ) ( XXXX ) places a duty on furnishers to correct and update any information they provide that is inaccurate or incomplete, and FCRA XXXX ( b ) further requires that they conduct a reasonable investigation into any disputes filed. Moreover, FCRA XXXX emphasizes that the accuracy of credit reports is fundamental to ensuring fairness and transparency in the credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
Continuation - file : XXXX Experian can not fix the issues on the credit report and the debt utilization issues. For over 2 years they have constantly reported 40 % or more on the my credit utilization which is FALSE and not accurate. Even their own website has conflicting information, as the screen shots show. 

Video evidence is shown here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian shows the ACTUAL debt use is at 10 %. With XXXX line of credit with all my credit cards etc. I'm using 10 % being reported. Which is GOOD. But yet, the revolving utilization shows 46 %. These numbers are not accurate and causing my XXXX XXXX to be stagnant for over 2 years. My score went from XXXX down to XXXX 's. 

Now they are also reporting WRONG numbers from my mortgage and claiming the loan amount went up. Which is 100 % false. I opened a dispute with them, but it will turn out the same and they refuse to fix issues even when given evidence of the inaccuracy. Just like the last complaints. My bank even reported the Correct numbers, but Experian is showing wrong numbers and continuing to DEGRADE the score over false reporting. 

Experian has been SUED but this very body. XXXX XXXX XXXX  They ARE STILL DOING THE SAME THING..... Where's my compensation for the exact issues and several complaints and disputes later, still having the SAME issues. Experian will never admit to wrongdoing. But it's clear that they are doing it and refuse to assist with major issues with their 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
I am disputing a collection account that appears on my XXXX  credit report, listed as being from Credit Bureau Systems ( CBS ). I first mailed a written debt validation request to CBS asking them to verify or provide proof of the debt. However, I later found out that XXXX  had given me the wrong address for CBS, which caused delays in my dispute process. Once I located the correct address, I mailed my letter again, but I never received any response from CBS. I also called CBS multiple times and was told that I am not in their system and that they have no record of any account under my name nor my social.

Despite this, XXXX  continues to report the collection on my credit file, I have proof of my mailed dispute, tracking information, the incorrect address XXXX  originally provided and notes from my calls with CBS. I am requesting that this unverified and inaccurate collection be removed from my credit report, since CBS can not locate or verify any debt tied to me, and XXXX  initially provided me with the wrong contact information for my dispute.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX This account is very old. It happened on XX/XX/XXXXI try to dispute it then, but they never provided me the correct information Jefferson Capital Systems , LLC XXXX [ Their Address ] [ City, State XXXX Zip Code ] Subject : Cease and Desist Notice Dear Jefferson Capital Systems , LLC, I am writing to formally request that you cease and desist all communications regarding the debt you claim I owe in the amount of {$340.00}, originally owed to Td XX/XX/XXXX 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand that you stop contacting me regarding this matter. Please consider this letter as a formal request to cease all forms of communication regarding this debt, effective immediately. 

I request that you provide me with documentation verifying the debt, including the original creditor 's name, account number, and your authority to collect this debt. Until such verification is provided, I expect no further communication from your company. 

I appreciate your attention to this matter. Please confirm that you have received this letter and that you will comply with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at Self financial/lead bank Opened XX/XX/year> under the account number ( XXXX ), and XXXX XXXX XXXX account count opened at XXXX XXXX XXXX account number ( XXXX ). That appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent XXXX credit report maintained maintained by you which shows the XXXX XXXX XXXX items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud

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 2025-11-06 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at Self financial/lead bank Opened XX/XX/year> under the account number ( XXXX ), and XXXX XXXX XXXX account count opened at XXXX XXXX XXXX account number ( XXXX ). That appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent XXXX credit report maintained maintained by you which shows the XXXX XXXX XXXX items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Over a week ago I lost access to my growth account and my checking account changed types. I asked my local branch amd they stated jt was an issue with online banking. XX/XX/XXXX days later I still had no access and was told it would be escalated. A week later they said someone would contact me and that was XX/XX/XXXXdays ago. No one can fix my account or give me back access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 submitting a complaint to formally dispute an unauthorized credit inquiry appearing on my credit report and to request its permanent removal. This is not a request for correction or clarification ; it is a demand for deletion because the inquiry in question is entirely unauthorized, unverified, and in violation of multiple federal consumer protection laws. 
The inquiry I am disputing is from XX/XX/XXXXXXXX ( XX/XX/year> ). I did not authorize this inquiry, nor did I provide written consent allowing my personal credit information to be accessed. The inclusion of this inquiry misrepresents my credit activity and falsely implies that I requested or approved a financial transaction that I did not initiate. This unauthorized access is a direct violation of FCRA XXXX 15 U.S.C. XXXX, which prohibits any party from accessing a consumer report without a permissible purpose, as well as FCRA XXXX ( f ) 15 U.S.C. XXXX ( f ), which limits permissible purposes for which consumer reporting agencies may provide information to third parties. Additionally, FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) emphasizes that consumer reports may only be furnished under specific, legally defined circumstances, none of which apply in this instance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 submitting this complaint because I recently reviewed my credit report and discovered that the account reported by XXXX XXXX ( Account No. XXXX ), showing a balance of {$35000.00}, contains inaccurate and misleading late payment. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be incomplete or incorrect in my credit report. The reporting of this XXXX XXXX account does not align with the actual status or payment history that I maintained. 
Furthermore, under FCRA 623 ( a ) ( 2 ), furnishers have a legal duty to correct and update information that they know, or have reasonable cause to believe, is inaccurate. This duty extends to ensuring that consumers are not unfairly penalized due to reporting errors or outdated data. I also remind you that FCRA 623 ( b ) requires the furnisher to conduct a proper and reasonable investigation once a dispute has been filed. 
Congress made its intent very clear under FCRA 602, emphasizing that the accuracy and integrity of credit reporting are essential to ensure fair and equitable treatment of consumers. Errors such as this not only impact my credit score but also undermine the very purpose of the Fair Credit Reporting Act to promote fairness, accuracy, and privacy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am submitting this complaint because I recently reviewed my credit report and discovered that the account reported by XXXX XXXX ( Account No. XXXX ), showing a balance of {$35000.00}, contains inaccurate and misleading late payment. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be incomplete or incorrect in my credit report. The reporting of this XXXX XXXX account does not align with the actual status or payment history that I maintained. 
Furthermore, under FCRA 623 ( a ) ( 2 ), furnishers have a legal duty to correct and update information that they know, or have reasonable cause to believe, is inaccurate. This duty extends to ensuring that consumers are not unfairly penalized due to reporting errors or outdated data. I also remind you that FCRA 623 ( b ) requires the furnisher to conduct a proper and reasonable investigation once a dispute has been filed. 
Congress made its intent very clear under FCRA 602, emphasizing that the accuracy and integrity of credit reporting are essential to ensure fair and equitable treatment of consumers. Errors such as this not only impact my credit score but also undermine the very purpose of the Fair Credit Reporting Act to promote fairness, accuracy, and privacy in credit 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 non-monetary relief
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I requested a phone number change XXXX times. With silence in between each and every request of XXXX to 3 days. After sending in my information. Also requesting cancellation of the account. Once again the same thing. Have not been able to access my account since I lost my phone. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am the Trustee of XXXX XXXX XXXX and the trust XXXX XXXX XXXX XXXX accepts all charges, providing a XXXX so I can obtain the credit bureaus XXXX number so I can notify the IRS to do an audit of the accounts that are negatively impacting the credit report of XXXX XXXX XXXX. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY. Per the XXXX XXXX XXXX there are several violations securities fraud that I will report to the Federal Trade Commission FCRA 15 U.S. C 1681s-2 ( a ) ( 1 ) ( - ) 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 18 U.S.C. 8. Means that anyone attempting to collect a debt from you is guilty of The False Claims Act ( FCA ), 31 U.S.C. 3729. Charged off accounts 15 US code 1601 inaccurate information being reported.

Company response to consumer: Closed with explanation