vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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 am filing a formal complaint regarding an account reported by XXXX XXXX XXXX ( Account Number : XXXX ). The account contains inaccurate and conflicting information, violating several sections of the Fair Credit Reporting Act ( FCRA ). I am demanding the immediate removal of this account from my credit report due to failure to validate the debt and the inaccurate reporting of account status. 

Key Issues Identified : Future-Dated Reporting : The " Balance Updated '' date is listed as XX/XX/XXXX, which is a future-dated entry. According to FCRA Section 607, all information must be accurate and timely. A future-dated balance update is not valid and must be corrected to reflect an accurate, past, or current date.

Inaccurate Charge-Off and Payment History : The account shows as " charged off '', with no payments recorded since XX/XX/XXXX. However, the monthly payment is reported as {$0.00}, and no payment history since XXXX is included. There is no indication of whether the debt is still owed or has been assigned to a third-party collector. This lack of clarity violates FCRA Section 623 ( a ), which mandates accurate and complete reporting. 

Failure to Provide Wet Ink Signature and Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA Section 609, I demand that XXXX XXXXXXXX XXXX provide a wet ink signature contract that validates the debt. Without proper documentation, including the original signed agreement, this account can not be considered valid. If the creditor can not provide this documentation, the account should be removed immediately.

Dispute Information : The report notes that the account information was disputed by the consumer but fails to provide proof of the dispute resolution. As per FCRA Section 611, all disputes must be properly handled, and the resolution must be documented. 

Demand for Immediate Removal : Based on these violations, I am demanding the immediate removal of this account from my credit report due to the following reasons : Inaccurate and Future-Dated Reporting : The future-dated balance updated entry violates FCRA Section 607. 

Failure to Provide Validation : XXXX XXXXXXXX XXXX has failed to provide proof of the debt, including a wet ink signature contract, as required by law.

Failure to Resolve Disputes : The failure to provide proof of the dispute resolution process under FCRA Section 611 also warrants the removal of this account. 

If XXXX XXXXXXXX XXXX is unable to provide valid documentation of the debt, including the wet ink signature on the original contract, this account should be removed from my credit report.

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 2025-08-18 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-18 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: MD

Complaint narrative:
Formal Complaint Against Experian, Equifax, and TransUnion for FCRA Violations Inaccurate Reporting of Bankruptcy-Included Accounts To Whom It May Concern, I am filing this formal complaint against all three major credit reporting agenciesExperian, Equifax, and TransUnionfor violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and incomplete reporting of multiple accounts that were included in a XXXX XXXX  Bankruptcy ( Reference XXXX XXXX XXXXXXXX ). 

Despite being included in bankruptcy, the following accounts are still being reported as open or incorrectly rated, which is both inaccurate and misleading : XXXX. XXXX Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX XXXX XXXX XXXX  Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX. XXXX XXXX XXXX Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX XXXX XXXX  Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active These reporting errors constitute violations of 15 U.S.C. 1681i ( a ) ( 5 ), which states that : " If, after reinvestigation 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 promptly delete that item of information from the file of the consumer ... '' Additionally, the continued inclusion of this misleading information without proper verification or correction is a violation of my privacy rights under 15 U.S.C. 1681 ( a ) ( 4 ), which states that consumer reporting practices must be conducted in a manner that respects the consumer 's right to privacy and accuracy.

I have already submitted disputes to all three credit bureaus and have not received appropriate resolutions or corrections as required by law. Their failure to comply within the 30-day period, and failure to remove or correct unverifiable and inaccurate information, constitutes noncompliance with federal law.

Request for Relief : I respectfully request the CFPB to investigate this matter and compel Experian, Equifax, and TransUnion to : Immediately delete the above-referenced accounts Ensure that these accounts are no longer reported inaccurately ; Provide documentation of their investigation and resolution ; Take any additional enforcement action as deemed necessary for FCRA violations.

Thank you for your attention to this matter. I am available to provide supporting documents such as bankruptcy court records, dispute letters, and credit reports upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
Formal Complaint Against Experian, Equifax, and TransUnion for FCRA Violations Inaccurate Reporting of Bankruptcy-Included Accounts To Whom It May Concern, I am filing this formal complaint against all three major credit reporting agenciesExperian, Equifax, and TransUnionfor violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and incomplete reporting of multiple accounts that were included in a XXXX XXXX  Bankruptcy ( Reference XXXX XXXX XXXXXXXX ). 

Despite being included in bankruptcy, the following accounts are still being reported as open or incorrectly rated, which is both inaccurate and misleading : XXXX. XXXX Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX XXXX XXXX XXXX  Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX. XXXX XXXX XXXX Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX XXXX XXXX  Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active These reporting errors constitute violations of 15 U.S.C. 1681i ( a ) ( 5 ), which states that : " If, after reinvestigation 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 promptly delete that item of information from the file of the consumer ... '' Additionally, the continued inclusion of this misleading information without proper verification or correction is a violation of my privacy rights under 15 U.S.C. 1681 ( a ) ( 4 ), which states that consumer reporting practices must be conducted in a manner that respects the consumer 's right to privacy and accuracy.

I have already submitted disputes to all three credit bureaus and have not received appropriate resolutions or corrections as required by law. Their failure to comply within the 30-day period, and failure to remove or correct unverifiable and inaccurate information, constitutes noncompliance with federal law.

Request for Relief : I respectfully request the CFPB to investigate this matter and compel Experian, Equifax, and TransUnion to : Immediately delete the above-referenced accounts Ensure that these accounts are no longer reported inaccurately ; Provide documentation of their investigation and resolution ; Take any additional enforcement action as deemed necessary for FCRA violations.

Thank you for your attention to this matter. I am available to provide supporting documents such as bankruptcy court records, dispute letters, and credit reports upon request.

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 2025-08-18 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

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.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX. 
XXXX. 
CREDIT COLL - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX. As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-18 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: 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 XXXX. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-08-18 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: FL

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Reinvestigation Demand Improper Verification of Disputed Account ( s ) This letter is a formal reinvestigation demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i regarding the following disputed account ( XXXX ) : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously disputed this account, and your bureau responded that the account was " verified. '' However, you have failed to demonstrate that a reasonable investigation was actually conducted. Courts have ruled repeatedly that credit reporting agencies can not merely rely on automated systems such as e-Oscar or simply " parrot '' the information of furnishers. 
The law is clear : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : A CRA can not merely parrot information from furnishers ; an independent investigation is required. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Verification must involve more than superficial checks or automated confirmations. XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : XXXX on automated systems such as e-Oscar without human review is inadequate and may constitute willful noncompliance.

Accordingly, I demand that you provide : 1. The name, job title, and contact information of the individual ( s ) who verified this account. 2. The date and time of the verification. 3. The specific method used to investigate the debt. 4. Copies of all records, communications, or documents relied upon. 5. Written proof that this account was not verified
solely through automated software without human oversight.

If you can not provide this information, you are required to immediately delete this account from my credit file.

Failure to comply will constitute a violation of the FCRA. If you can not produce verifiable proof of your investigation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, and I will pursue civil remedies under 15 U.S.C. 1681n & 1681o for statutory damages, actual damages, punitive damages, and attorneys fees.

This is your final opportunity to correct this violation before further action is taken.

Sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax 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 explanation