vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: IA

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 2025-06-04 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: MS

Complaint narrative:
Equifax is reporting multiple accounts on my credit file that are inaccurate, duplicative, and unverifiable. I have submitted formal disputes for each and requested full documentation, but they continue to remain unresolved. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 



XXXX. XXXX XXXX XXXX XXXX XXXX tradelines ( opened XX/XX/year> and XX/XX/year> ). 
One shows a {$170.00} balance even though the loan was paid and refinanced. 
The second appears to be a duplicate record. 
Equifax failed to correct or delete the inaccurate entries. 
Violations : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) XXXX. XXXX XXXX / XXXX XXXX Reporting a {$1500.00} debt without any documentation.

No original agreement, ownership verification, or contract has been provided.

Debt buyer with a history of unverifiable reporting. 
Violations : FCRA 1681s-2 ( a ), 1681e ( b ), FDCPA 809 ( b ) XXXX. XXXX XXXX XXXX ( XXXX ) / XXXXXXXX XXXX Reporting a {$4600.00} debt after a previously acknowledged cease and desist.

No lease ledger, itemized balance, or proof of legal collection rights has been provided.

Continued reporting contradicts the agreement submitted through CFPB.

Violations : FCRA 1681s-2 ( a ), 1681e ( b ), 1681i ( a ), FDCPA 807 ( 8 ) Despite previous efforts, Equifax has not removed these items or provided proof of verification. They continue to allow harmful data to be reported without substantiation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NM

Complaint narrative:
I am formally requesting that your agency comply with the Fair Credit Reporting Act ( FCRA ) concerning the persistent mishandling of my credit report. Despite multiple disputes filed, you have failed to remove fraudulent accounts not belonging to me and continue to report unverifiable information. 

This behavior violates federal law and infringes on my consumer rights. The accounts listed below were fraudulently opened due to identity theft. Although I have submitted several dispute letters seeking their removal, your responses have been vague and insufficient, failing to meet the legal standards mandated by the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a thorough investigation upon receipt of a consumer dispute. Your ongoing use of generic form responses, without providing original documentation validating the debts, constitutes noncompliance.

Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the highest possible accuracy in reporting. Your failure to correct these inaccuracies reflects a reckless disregard for your legal obligations. 

You have 30 days from the date of this letter to provide the following : Original and complete verification documents from the creditors validating the accountsnot generic or template responses ; A detailed report of the investigation conducted, outlining every step taken ; The names, job titles, and contact information of the individuals responsible for reviewing and responding to my dispute ; Written confirmation that all unverifiable information has been permanently removed from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Should you fail to provide a satisfactory response within this timeframe, I will initiate legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also pursue litigation under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, with confirmation from the respective financial institutions that they should not be linked to my credit file. Please promptly remove these accounts or provide valid verification if you choose to continue reporting them : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a chase CD account almost a year ago and signed up for a 3 month renewing CD at around 4 percent interest. For no apparent reason when the CD renewed it dropped to a little over 2 percent even though I can get the same 3 month chase CD thru a brokerage at the original 4 percent. When I looked into closing the account I discovered that I have to come in person to a Chase branch to close it. When I opened the CD online I was not given any warning about this absurd policy. It seems very clear from my experience that Chase is trying to take advantage of the consumer with these policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am submitting this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, to request the immediate blocking and deletion of multiple inaccurate, unauthorized, and/or outdated accounts from my credit reports. These accounts were reported by Experian, Equifax, and TransUnion and have negatively impacted my creditworthiness. 

I have submitted formal disputes and identity theft documentation to the credit bureaus and am now escalating to the CFPB due to non-removal and delayed responses. Attached are my Block and Delete letters, FTC Identity Theft Report, ID, and proof of address. 
The following accounts are being disputed : EXPERIAN XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, Balance {$2000.00}, re-aged, should be deleted as obsolete XXXX XXXX Opened XXXX, Balance {$8600.00}, outdated and inaccurately reported XXXX XXXX Balance {$4300.00}, negatively reported multiple times XXXX XXXX Balance {$12000.00}, disputed COVID-era eviction, not authorized XXXX XXXX XXXX XXXX ) Balance {$4000.00}, re-aged without consent XXXX Opened XXXX, Balance {$3200.00}, closed and still reported negatively XXXX XXXX XXXX XXXX Balance {$150.00}, inaccurately reported closed account XXXX XXXX Balance {$1200.00}, inaccurate reporting closed account but still reporting XXXX XXXX XXXX XXXXXXXX XXXX Closed with {$340.00} balance still reporting XXXX Paid loan still showing 13 late payments XXXX Paid and closed, still listed XXXX XXXX Unknown debt, unverifiable What EQUIFAX XXXX XXXXXXXX Balance {$35000.00}, sold but still reporting negatively XXXX XXXX  XXXX account , not authorized XXXX Closed, refinanced, 12 late payments reported XXXX XXXX Balance {$150.00}, charged-off XXXX XXXX Balance {$8600.00}, outdated account XXXX XXXX Balance {$4300.00}, charged-off XXXX XXXX  Balance {$330.00}, opened XX/XX/XXXX, in collections XXXX XXXX {$2200.00} XXXX XXXX XXXX, {$4000.00} XXXX XXXX XXXX inaccurate and re-aged XXXX XXXX Unknown balance, unauthorized short-term loan XXXX XXXX  Balance {$500.00}, utility collection XXXX XX/XX/XXXX TRANSUNION XXXX XXXX Balance {$12000.00}, eviction-related XXXX disputed XXXX XXXX Multiple entries, re-aged collections XXXX Balance {$330.00}, opened XX/XX/XXXX, in collections XXXX XXXX Unauthorized payday loan XXXX XXXX Balance {$1200.00}, inaccurately listed as profit/loss XXXX XXXX Balance {$500.00}, duplicate utility debt XXXX XXXX account , inaccurate and unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XX/XX/year>

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 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I was alerted by XXXX XXXX that I was delinquent in my school loan payments. My loans were deferred and without my knowledge taken out of deferment. Prior to this, my payments were up to date and I was in good standing. I have not taken actions as of yet. But I am currently in good standing. It still my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-04 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-04 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: GA

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. 
Account name : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after
any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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
Consumer complaint received 2025-06-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il  XXXX XXXX XXXX Date- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Va XXXX Subject : Request for Validation of Debt and Notice of Dispute Under 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ) To Whom It May Concern : I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to 12 CFR 1006.34 ( d ) of Regulation F and 15 USC 1681s2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full validation of the alleged debt and to dispute the information you have or may furnish to any consumer reporting agency.

Under 12 CFR 1006.34 ( d ), you are required to provide me with a detailed validation notice containing specific information about the alleged debt, including : The name of the creditor to whom the debt is currently owed, An itemization of the debt, Information about my rights to dispute the debt, And the means by which I can request the original creditors name and address.

Additionally, under 15 USC 1681s2 ( a ) ( 7 ) ( A ), if you have furnished or intend to furnish any information regarding this debt to a consumer reporting agency, you must report that the debt is disputed.

Accordingly, I request the following : 1. Provide all information required under 12 CFR 1006.34 ( d ) to validate the debt.

2. If this debt has been or will be reported to any consumer reporting agency, ensure that it is accurately reported as disputed as required by 15 USC 1681s2 ( a ) ( 7 ) ( A ).

Pending receipt of the requested validation, and confirmation that any reporting reflects the disputed status, I request that you cease any collection activities.

Please respond to this request in writing within the time frames prescribed by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
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 2025-06-04 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information reported on my ChexSystems consumer report. Upon reviewing my report, I identified entries related to the following accounts that I believe are incorrect or outdated : XXXX XXXX account XXXX XXXX account XXXX account XXXX XXXX XXXX account Please consider this letter a request for an investigation into these entries. I am requesting that you contact ChexSystems to verify the accuracy of this information and remove any inaccurate or unverifiable data from my report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. I kindly ask that you provide me with the results of your investigation once completed. 

Please find enclosed a copy of my identification and any supporting documents I could gather related to these accounts for your reference. 

Thank you for your prompt attention to this matter.

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