vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
ALL INFORMATION IS ALSO PROVIDED HERE VIA PDF BUT WILL ALSO BE MAILED TO EXPERIAN FIRST AND NOTE A CLEAR AND VALID LEGAL VIBIBLE ID IN REFERECE TO THE XXXX REPORT XXXX XX/XX/XXXX. CLOSED NO PROPER LEGAL INVESTIGATION ON PAST DISCHARGED AND CHARGE OFF ACCOUNTS AND INQUIRIES. THE COMPANY DID NOT GIVE A LEGAL PROPER INVESTIGATION ACCORDING TO THE LAWS THE AGENY EXPERIAN CAN NOT PROVIDE THE PROOF OF CONSENT OR THE ORGINAL SIGNED DOCUMENT WHEN NOT PROVIDED THE AGENIES ARE REQUIRED BY LAW TO DELETE ALL ACCOUNTS IMMEDIATELY. I HAVE PROVIDED PROOF OF 3RD PARTY CONSNET OF THE DEBT STATUS AND VALIDATION OF THE DISCHARGES LETTERS FROM XXXX XXXX XXXX  XXXX  TO THE XXXX IN XXXX. THESE EFFORTS WERE DOCUMENTED BUT IGNORED AS OF XX/XX/XXXX MY FIRST DISBUTE WAS XX/XX/XXXX I ASKED FOR A CERTAIN DELETIONS ON MY CREDIT REPORT ALL ACCOUNTS TO BE DELETED I PROVIDED EDVIDENCE OF STUDENT LOAN AND XXXX DISCHARGE IN XXXX I PROVIDED XXXX PARTY VENDORD ALONG WITH THE FTC REPORT AND I ASKED THEY BE IMMEDIATLY REMOVED IF CAN NOT PROVIDE THE ORGINAL CONTRACT WITH ORGINAL SIGNATURES THE ACCOUNT INVOLVED IN A FEDERAL DISCHARGE HAVE NOT LEGAL BOUNDS TO BE REPORTED ACCOUTNS AND DISCHARGE. I ALSO REQUESTED MULTIPLE INQUIRIES BE IMMEDIATELY DELETED FROM XXXX XXXX XXXX AS I HAVE MAILED THEIR STATEMENTS XX/XX/XXXX. I WAS TOLD OVER THE PHONE THE INQUIRES WILL ALWAYS REMIAN ON MY CREDIT REPORT NO MATTER WHAT PROOF I HAVE. I ALSO HAVE RECORDINGS OF EXPERIAN REPS AND HOW THEY MISLEAD INFORMATION VERBALLY AND THE WERE SERVERAL MISLEADING CONVERSATION THAT ARE FULL VIOLATIONS OF CONSUMERS FCRA RIGHTS. I WOULD LIKE TO ADD I BELIEVE THIS COMPANY " EXPERIAN " VIOLATED THE RIGHT OF CONSUMERS BUT MOSTLY WOMAN OF XXXX MAKING THE HOOPS MORE FERQUENLY AND MORE DRAMATIC TO ALMOST MAKING IT IMPOSSIBLE FOR CORRECTION OF CREDIT REPORTS. I DO HAVE EDVIDENCE OF CIVIL RIGHTS BASED ON RACE HAVE A HIGHER RATIO OF THESE MISLEADING ACTS BECAUSE OF RACISM. I AM A PRODUCT OF THUUS STATICS AND I AM OUT RAGED

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 2025-07-23 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: OH

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate and resolve my disputes regarding fraudulent accounts and inquiries resulting from identity theft. 

Despite multiple disputes, Experian continues to report these items without adequate verification or documentation, in violation of the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts and inquiries include : Accounts : XXXX XXXX ( XXXX ) Account Number : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I have provided Experian with extensive documentation, including an FTC Identity Theft Report and a letter from XXXX XXXX confirming the deletion of the XXXX accounts. However, Experian falsely claims to have verified these accounts and inquiries, including contacting XXXX XXXX, which I confirmed did not occur. Experians failure to comply with the FCRA and properly investigate these disputes violates my rights. I request the CFPB 's assistance to ensure compliance and immediate action on my case.

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 2025-07-23 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: SC

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: AR

Complaint narrative:
I been having a recurring issue with credit Karma in regard to unauthorized charges on my account. Each time I dispute a transaction that I did not authorize, Credit Karma responds by asserting that I made the charge, despite my clear denial and evidence to the contrary. This has become a persistent and frustrating pattern. I chose to use Credit Karma because I believed my funds would be secure ; however, unauthorized parties are repeatedly able to charge my account without my consent or approval. Most recently, a charge in the amount of {$98.00} was withdrawn from my account. I did not sign up for any service or subscription that would justify this charge, nor did I authorize such a transaction in any form. Yet again, my dispute was dismissed, and I am now paying for something I neither received nor agreed to.

I am requesting a full investigation into this matter, as well as a complete refund of all unauthorized charges. If this issue is not resolved promptly, I will be forced to escalate it to the appropriate regulatory authorities and consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am disputing multiple unauthorized hard inquiries listed on my credit report. These inquiries were not initiated by me, and I did not give any written, verbal, or electronic authorization to the companies that made them. I have not applied for credit, financing, or services that would warrant this level of access to my consumer file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose, and only when initiated or approved by the consumer. These inquiries do not meet that standard and were made without a legitimate permissible purpose and without my consent. If any entity accessed my credit without authorization, it is not only a violation of FCRA, but potentially identity theft or unlawful usage of my personal data.

Additionally, 15 U.S.C. 1681i ( a ) requires that any disputed information be thoroughly reinvestigated, and 15 U.S.C. 1681i ( a ) ( 7 ) entitles me to a detailed explanation of the method and results of the reinvestigation, including documentation showing how and by whom each disputed inquiry was verified as permissible. 

If any company can not prove, with verifiable documentation, that I directly authorized the inquirynot just that my name or information was submittedthen the inquiry must be permanently deleted. A generic verified as accurate response without full supporting evidence will be considered noncompliant and subject to escalation. 

These inquiries are negatively impacting my credit, and if not resolved properly, I will pursue further legal remedies through the CFPB and other regulatory channels. I demand immediate removal of any unverifiable or unauthorized inquiries, along with a full written explanation and documentation of your investigation findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.

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 2025-07-23 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: MI

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
This is the fifth dispute I am filing regarding XXXX XXXX account # XXXX on my Equifax report. The account is closed and reflects a balance of {$420.00}, but it has consistently lacked key months of data, making the tradeline incomplete and unverifiable. I have exhausted all proper channels. If Equifax can not require XXXX to report full and accurate data, then I demand permanent deletion of this account under the Fair Credit Reporting Act, Take action now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Roc Capital Holdings LLC
State: NY

Complaint narrative:
This complaint concerns attorney XXXX XXXX, who facilitated the mortgage closing for Loan Funder LLC despite clear title defects. He filed and defended a deed and mortgage documents based on a Power of Attorney that was notarized after the principals death. While Loan Funder LLC issued the mortgages, XXXX role as closing attorney enabled the fraudulent transaction and contributed to $ XXXX in financial harm On XX/XX/year>, attorney XXXX XXXX filed and defended a fraudulent deed transfer ( CRFN XXXX ) and two mortgage filings ( CRFN XXXX & XXXX ) based on a Power of Attorney that was filed two days after the principal, XXXX XXXX XXXX had died. The POA ( CRFN XXXX ) was void under NY law and used to justify a {$0.00} deed transfer to XXXX XXXX XXXX XXXX, a shell entity. 

XXXX XXXX : Acted as closing attorney despite clear title defects Filed and defended documents that violated NY GOL 5-1511 and Executive Law 135 Enabled the recording of {$500000.00} in mortgages and a UCC lien on a stolen property Ignored probate, death records, and rightful heir claims Participated in a closing that stripped over {$880000.00} in equity from a fully paid-off home The rightful heirs were never notified or compensated. The fraudulent filings have triggered constructive eviction through housing court actions and lien threats. 
The subject property at XXXX XXXX  XXXX XXXX was fully paid off and owned by the estate of XXXX XXXX. Despite this, attorney XXXX XXXX filed and defended a deed transfer and two mortgages totaling {$500000.00} based on a Power of Attorney that was filed after XXXX XXXX death. The fraudulent sale price was {$340000.00}, less than half the market value and the transaction triggered a UCC lien and constructive eviction of the rightful heirs. XXXX enabled the closing without verifying probate, ownership, or the validity of the POA, resulting in a total financial harm of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
In XX/XX/year> I submitted a dispute with Experian concerning a collection on my credit report for XXXX XXXX XXXX ( debt purchaser ) for the original creditor XXXX XXXX for a fraudulent account in the amount of XXXX. Upon being notified that this was a new collection on my report, I researched the original creditor XXXX XXXX. I complained that the account should not be with a collection agency at all, as XXXX XXXX was cited by CFPB previously for unfair practices concerning leasing. The results of CFPB included that in the interest of the unfair practices concerning leasing XXXX XXXX was not to collect any outstanding accounts thereafter. Moreover, I have disputed that I did not authorize this account. Furthermore, I submitted a police report concerning the fraudulent collection and copies of data concerning the complaints and report from CFPB and the XXXX XXXX XXXX  concerning the issues with XXXX XXXX. Experian concluded that the information had been verified as correct and continues to report the collection on my credit report from XXXX XXXX XXXX and 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 2025-07-23 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 
This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-23 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-23 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 the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
The company Credence Resource Management reported to Transunion that i owe XXXX $ as of XX/XX/year>. I have no knowledge of this account and have gotten no response from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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