vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
On XX/XX/XXXX. 2025 XXXX XXXX obtained information from the states website and sent it over to theirs party agencies without my consent and prior knowledge. 15 U.S. code 1681 A-4 explains that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My XXXX XXXX  bankruptcy information was shared on multiple platforms. Causing to mess with my public confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I recently obtained a copy of my credit report and noticed an account that I did not authorize or open. I have no knowledge of this account and strongly believe it was established fraudulently.

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 2025-07-19 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: FL

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 2025-07-19 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:
XXXX XXXX ( Experian ) is reporting private banking information without my consent. 

XXXX XXXX which is owned by Experian, is reporting sensitive financial information including my checking account number, routing number, and other banking data without my permission. I have never authorized XXXX XXXX  to access, store, or share this information. This is a violation of my privacy and potentially illegal under the Fair Credit Reporting Act ( FCRA ). 

Additionally, XXXX XXXX is reporting false and inaccurate information to third parties who pull my consumer file. This has negatively impacted my financial reputation and access to services.

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 2025-07-19 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:
I am disputing multiple inaccurate and non-compliant tradelines being reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. These accounts contain serious discrepancies including repeated CO charge-off notations after the account was closed, missing Date of First Delinquency ( DOFD ), balance inaccuracies, and failure to update post-payment or dispute activity.

Experian has failed to maintain maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), and has not conducted a meaningful reinvestigation under 1681i ( a ). Accounts include those from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines show overextended CO reporting across 3040 months, violations of credit limit disclosures, and improper or missing data fields mandated by Metro 2 guidelines.

Despite prior disputes, these accounts remain with no verifiable proof or method of verification disclosed, violating 1681s-2 ( b ). I request that these tradelines be corrected or removed immediately. If the data furnishers and Experian can not verify with complete and accurate records, they must be deleted under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am disputing multiple inaccurate and non-compliant tradelines being reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. These accounts contain serious discrepancies including repeated CO charge-off notations after the account was closed, missing Date of First Delinquency ( DOFD ), balance inaccuracies, and failure to update post-payment or dispute activity.

Experian has failed to maintain maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), and has not conducted a meaningful reinvestigation under 1681i ( a ). Accounts include those from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines show overextended CO reporting across 3040 months, violations of credit limit disclosures, and improper or missing data fields mandated by Metro 2 guidelines.

Despite prior disputes, these accounts remain with no verifiable proof or method of verification disclosed, violating 1681s-2 ( b ). I request that these tradelines be corrected or removed immediately. If the data furnishers and Experian can not verify with complete and accurate records, they must be deleted under 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 non-monetary relief
Consumer complaint received 2025-07-19 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. 

I recently disputed the following account ( XXXX ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed.

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : 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 2025-07-18 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: NY

Complaint narrative:
I am writing to express my continued concern regarding the XX/XX/year> late payment that was reported on my account ending in XXXX. I have contacted your company multiple times by phone and email regarding this matter, and I have made every effort to resolve the issue. 

In XX/XX/year>, I received written confirmation from continentals office stating that the late payment would be removed within 30 to 45 days. Despite this assurance, the derogatory mark remains on my credit reports with all three major credit reporting agencies.

Over the past several months, I have checked my credit reports regularly and submitted disputes with supporting documentation, including the letter I received from your company. To date, there has been no update, no removal, and no response to my repeated outreach.

Additionally, I escalated the matter through the Consumer Financial Protection Bureau ( CFPB ). The company responded to the CFPB with the same written assurance that the late payment would be removed within 30 to 45 days. However, that timeframe has passed, and the item still has not been corrected.

I am requesting immediate action to fulfill their original commitment and have the inaccurate late payment removed from all credit bureaus.

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 2025-07-18 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: MO

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me for accuracy. Here is the item I asking that you verify is accurate. 

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
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I am a victim of identity theft. My information was apart of the Equifax data breach, and also the XXXX XXXX data breach. I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address to [ Experian/Equifax/TransUnion ] in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I specifically requested that fraudulent accounts be blocked and permanently removed. XXXX  Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX Account # XXXX Despite receiving all legally required documentation, the credit bureau failed to comply with federal law and instead marked the accounts as " verified '' and continues reporting them on my credit file. This violates my rights under the Fair Credit Reporting Act. I am requesting that [ Experian/Equifax/TransUnion ] immediately block and delete all identity theft-related information as required by law, and send written confirmation along with corrected credit reports.

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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute an item on my credit report that I believe contains inaccurate information. I request an investigation into the following account : Account Name : source Disputed Amount : {$510.00} Date of Charge : its keeps changing The reason for my dispute is as follows : I believe the information is inaccurate. Not only is the phone not in my possession. The account has been on my credit for years and it keeps reopening. 

I request that this inaccurate information be investigated and removed from my credit report. Please inform me of the outcome of your investigation, as well as any necessary adjustments made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I am writing to bring to your attention a serious inaccuracy reflected on my credit report. A late payment has been reported that I believe is entirely incorrect and does not accurately represent my consistent payment habits. I have always made a conscious effort to ensure that my payments are completed on or before their due dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
In XX/XX/year>, while reviewing my credit report, I discovered a vehicle lease account with Santander Consumer USA that I did not authorize or open. The account is reporting with an address I have never lived XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. I believe this account was fraudulently opened using my personal information without my consent. I immediately contacted Santander and requested proof of the loan, including a signed contract and verification of the account. Santander responded by claiming the signature was mine but failed to provide any legitimate verification or documentation to support this. I have filed a police identity theft report and am submitting this complaint for the erroneous and fraudulent account to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-18 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: FL

Complaint narrative:
I am reaching out to request an investigation into these accounts due to inaccurate reporting on my credit report. Under USC 1681g, I am formally asking for their removal within 15 days. I have included all pertinent documents for your thorough review. In addition, the information related to these accounts is not only inconsistent but also incorrect across the major credit reporting agencies.

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 2025-07-18 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: CA

Complaint narrative:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiry have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. Dispute and remove following inquiry XXXX ( Bank ) XX/XX/year> 2025

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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I closed my account out with XXXX and and it still went to collections. Their email went to my spam so I had no way to dispute it due to not seeing it even though it was taken care of with XXXX. They blindsided me with over XXXX points off my credit when I've never missed a payment on anything.

Company response to consumer: Closed with non-monetary relief