vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX'I am writing to formally dispute multiple unauthorized accounts and  inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step \nand have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an \nEOSCAR SYSTEM. According to the Fair Credit Reporting Act (15 U.S.C.  1681), I am entitled to dispute any information that I believe to be inaccurate or incomplete.         \nI have identified accounts listed  on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting.           \nAccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to 15 U.S.C.  1681b(f):         \n         \nA consumer reporting agency may furnish a consumer report under the following circumstances and \nno other: (1) In response to the order of a court having jurisdiction to issue such an order, or a \nsubpoena issued in connection with proceedings before a Federal grand jury, or (2) in accordance with \nthe written instructions of the consumer to whom it relates, or (3) to a person which it has reason to \nbelieve intends to use the information in connection with a credit transaction involving the consumer \non whom the information is to be furnished and involving the extension of credit to, or review or \ncollection of an account of, the consumer..."         \n         \nI assert that I never provided written consent for you or these entities to obtain or furnish my credit information.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
XXXX'I am writing to formally dispute multiple unauthorized accounts and  inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step \nand have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an \nEOSCAR SYSTEM. According to the Fair Credit Reporting Act (15 U.S.C.  1681), I am entitled to dispute any information that I believe to be inaccurate or incomplete.         \nI have identified accounts listed  on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting.           \nAccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to 15 U.S.C.  1681b(f):         \n         \nA consumer reporting agency may furnish a consumer report under the following circumstances and \nno other: (1) In response to the order of a court having jurisdiction to issue such an order, or a \nsubpoena issued in connection with proceedings before a Federal grand jury, or (2) in accordance with \nthe written instructions of the consumer to whom it relates, or (3) to a person which it has reason to \nbelieve intends to use the information in connection with a credit transaction involving the consumer \non whom the information is to be furnished and involving the extension of credit to, or review or \ncollection of an account of, the consumer..."         \n         \nI assert that I never provided written consent for you or these entities to obtain or furnish my credit 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 2025-08-08 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: NY

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. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 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 XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I put in an application with one main financial and was approved, then told they just need ID which I provided then proceeded to tell me they cant do anything because I have loans on my vehicles after they told me I was approved mind you they already pulled my credit, the lady I talked to told me I wasted her time so I hung up this was the XXXX XXXX XXXXXXXX one main financial so now my credit went down because they pulled it and then denied me after they approved me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: ME

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate and/or unverifiable information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law grants me the right to dispute any information I believe to be incorrect, incomplete, or not verifiable.

Upon reviewing my credit report, I have identified the following negative item ( s ) that I believe to be inaccurate, incomplete, or otherwise in violation of the FCRA Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable investigation into these items and remove or correct any information that can not be verified as accurate within 30 days of your receipt of this letter.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after investigation any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit file.

I am also requesting that, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), you provide me with written notice of the results of your investigation, including : A summary of your findings, A copy of the revised credit report if changes were made, The name, address, and phone number of the furnisher of the disputed information, A statement of my rights to add a consumer statement or pursue further action if the dispute is not resolved in my favor. 

Thank you for your attention to this matter. I expect the required action to be taken within the timeframe set by law. Please respond in writing upon completion of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Cease and Desist & Immediate Removal of Unauthorized Credit Inquiries To Whom It May Concern, This is my formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and related state laws for the immediate removal of all unauthorized and/or unverifiable inquiries from my credit file.

After reviewing my credit reports, I have identified multiple inquiries that I did not authorize or that are not linked to any valid, permissible purpose as defined under federal law. These inquiries are damaging my credit score and were not initiated by me in connection with any credit transaction, employment consideration, insurance underwriting, or account review.

Pursuant to the FCRA, you are required to : Conduct a reasonable investigation to verify each inquirys legitimacy.

Provide me with documented proof of my written consent for each inquiry within 30 days of receiving this letter.

If you can not provide such proof, remove these inquiries from my credit report immediately. 

Additionally, this letter serves as a cease and desist notice prohibiting any further unauthorized release of my personal credit file without my express written consent. Any continued noncompliance will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I request written confirmation from you once the inquiries have been deleted. 

Sincerely, 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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
CFPB Complaint made against XXXX  Credit Bureau for lowing my XXXX XXXX  Score without a reason. Received mailed statement from American Express about increased APR and fees. Called to question why was told if balance paid, no increase, but my card allows me to carry a balance without being penalized or discriminated against by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am file a complaint because my creditor is reporting bad credit in my accounts XXXX, XXXX, XXXX, XXXX. I never received prospering verify written letter and the violet my right to dispute before reporting. I had Disputed directly with the credit bureaus and the furniture but this late payments on my credit report they remain without proper validation or documentation under USC 1681 S 2 furniture must report accurate information under15usc 1681 I the credit buraus must perform a reasonable investigation within 30 days, none of them had provide sufficient evident to support the negative 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am file a complaint because my creditor is reporting bad credit in my accounts XXXX, XXXX, XXXX, XXXX. I never received prospering verify written letter and the violet my right to dispute before reporting. I had Disputed directly with the credit bureaus and the furniture but this late payments on my credit report they remain without proper validation or documentation under USC 1681 S 2 furniture must report accurate information under15usc 1681 I the credit buraus must perform a reasonable investigation within 30 days, none of them had provide sufficient evident to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding significant inconsistencies in the reporting of my XXXX XXXX XXXX auto loan account, Account # XXXXXXXX XXXX XXXX XXXX XXXX across two major credit reporting agencies : Experian and Equifax. The discrepancies indicate a failure by both the credit bureaus and/or the furnisher ( XXXX XXXX XXXX XXXX XXXX maintain accurate credit information, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Experian shows XXXX paid on time, December 30 days late, January 60 days late, XXXX and XXXX as Repossession, and XXXX, XXXX, and XXXX charged off. Equifax shows November 30 days late, December 60 days late, then XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX paid on time. With no data for XXXX. The XXXX credit bureaus also have different dates for when the account was opened and the high credit balance. 

It is fundamentally impossible for a single account to have such drastically different reporting statuses simultaneously across different credit bureaus for the same periods. For instance, an account can not be " repossessed '' and " paid on time '' for the same month, nor can it be " charged off '' by one bureau while being " paid on time '' by another. Furthermore, the varying " Account Opened Date '' and " High Credit Balance '' across the bureaus for the same account demonstrate that the reporting is simply all over the place. This demonstrates a severe breakdown in the accuracy and consistency of credit reporting.

These inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ), which mandates that furnishers provide accurate information to consumer reporting agencies, and FCRA 611, which requires credit bureaus to conduct reasonable investigations into disputed information. The fact that the same account is reported so inconsistently across different bureaus points to a systemic issue that needs immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

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 2025-08-08 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: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital has been notified in writing to remove this account from my credit report. I requested info on the account two months ago and did not receive a response

Company response to consumer: Closed with explanation