vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I submitted a formal dispute regarding inaccurate or incomplete information on my credit report. Under FCRA 611, the credit bureau is required to conduct a reasonable reinvestigation of the items in question, typically within 30 days, and remove any information found to be inaccurate, incomplete, or unverifiable.

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX  Subject : Dispute of Bankruptcy Information - XXXX XXXX Account Dear Sir/Madam, This letter is to formally dispute the bankruptcy information listed on my credit report for account number [ XXXX ]. 

The information regarding the bankruptcy is inaccurate because the date is incorrect. It has been 10 years since I filed XXXX  XXXX bankruptcy. Please remove from my credit report as soon as possible. 

I request that you investigate this matter and correct the inaccurate information on my credit report. 

Please update my credit report with the accurate information and send me written confirmation of the changes. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-24 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:
I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the XXXX XXXX  Code ( U.S.C ). 
According to my credit report dated ( XX/XX/XXXX ), there is a late payment entry listed for [ {$500.00} ] on [ XX/XX/XXXX ]. However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Called XX/XX/year>, at XXXX XXXX EST for approximately 6 mins and told them I was unaware of the balance and needed clarification/validation before settling. I was then told that they would reach out to XXXX XXXX for the information and would receive my response via mail. I have yet to receive any documentation, but the record on or around XXXX XXXX, the account was removed, then immediately added back without notice, causing major harm to my credit. The debt was already previously on there, they took it off and re-added it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 reaching out to request an investigation into certain accounts that are inaccurately listed on my credit report. In accordance with USC 1681g, I am requesting their removal within 15 days. Ive provided the necessary documentation for your review. In addition, the account details reported vary between credit bureaus and contain multiple discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
I requested detailed infor mation about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dispute of Unverified Collection Account XXXX XXXX XXXX ( Account # XXXX ) Reported by Experian I am disputing a collection account reported by XXXX XXXX XXXX ( XXXX  ) to * * Experian * *, with the account number ending in XXXX XXXX XXXX XXXX XXXX 

I submitted a dispute to Experian in accordance with the Fair Credit Reporting Act ( FCRA 1681i ), requesting that they verify or remove the account. I also contacted XXXX XXXX XXXX directly and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ). 

To date : Experian has not provided proper verification of the account. 
XXXX XXXX XXXX failed to provide full debt validation, including original creditor details and supporting documentation. 

Under federal law, this account must be removed if it can not be verified. 

-Violations of Consumer Law : FCRA 1681i ( a ) ( 5 ) : Requires deletion of information that can not be verified.

FCRA 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes received from a CRA. 
FDCPA 1692g ( b ) : Requires debt collectors to cease reporting if they can not validate the debt.

This unverified collection account continues to negatively affect my credit standing, resulting in lower scores and obstacles to obtaining housing, loans, and employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX is {$270.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX is {$270.00}.

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 2025-07-24 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Follow-Up to CFPB Complaint # XXXX I am submitting this as a formal follow-up and escalation of my original complaint filed against Early Warning Services , LLC, which was marked closed . The company has failed to honor my legal request for a security freeze under the Fair Credit Reporting Act ( FCRA ) and continues to engage in what appears to be the unauthorized sale or sharing of my personal consumer information without my consent. 

I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this violation. 
FTC Report Number : XXXX In the FTC complaint, I detailed that I never authorized Early Warning Services to share or sell my personal or financial data. I am deeply concerned that the company is failing to maintain a lawful process for consumers to secure their information and has potentially violated both the FCRA and Gramm-Leach-Bliley Act ( GLBA ). 

Additionally, when I sent a certified security freeze request to Early Warning 's listed address, it was returned by USPS marked Vacant Unable to Forward. This strongly suggests Early Warning Services is not maintaining a valid mailing address for consumer access, which violates their legal obligations. 

I request that all responses from Early Warning Services be made exclusively through the CFPB portal to ensure transparency, documentation, and traceability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Back in XXXX of 2023, my account was hacked and drained. I received a call, it showed up Huntington Bank asking if I used my card in XXXX, GA, I said no, then they asked if I used it previously at a place that I actually did. Then they proceeded to ask for the code. They were scammers but they had my Huntington information. I called Huntington immediately to notify them. Instead of refunding my stolen funds, they shut down my account and placed it in collections for stand by cash that I couldn't even log into to pay. My car payment was late as well as other items. This hurt my credit, I have read recently on reddit that this is a standard practice with them. I want my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepare a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph (! ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : 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 2025-07-24 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:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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