vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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:
To Whom It May Concern : No XXXXXXXX company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from XXXX, the actual XXXX, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a XXXX  crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with XXXX  and XXXX  agencies. 

Fraudulent Accounts : XXXX. XXXX Account 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 2025-11-05 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: TX

Complaint narrative:
THIS HARD INQUIRY WAS NOT MADE BY ME OR ANY AUTHORIZED PARTY.

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 2025-11-05 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: DE

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps.

Account Details in Dispute : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX Please ensure that all information is accurate 6. XXXXXXXX Account Number : XXXX Please ensure that all information is accurate 7. XXXX Account Number : XXXX Please ensure that all information is accurate 8. XXXX Account Number : XXXX Please ensure that all information is accurate 9. XXXX Account Number : XXXX Please ensure that all information is accurate 10. XXXX XXXX XXXX XX/XX/year> - 11. XXXX Account Number : 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 2025-11-05 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:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-11-05 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 this complaint against Experian for failing to properly investigate and correct multiple inaccurate accounts on my credit report. I have submitted disputes regarding accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, ALL of which were paid and brought to {$0.00} balance.

Despite providing accurate dispute informa

tion, Experian continues to report these accounts with late payments, charge-off statuses, and incorrect or missing closure dates. These errors misrepresent my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( failure to reinvestigate disputes ) and 607 ( b ) ( failure to ensure maximum possible accuracy ). I have contacted both the furnishers and Experian multiple times, yet the incorrect data remains.

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 2025-11-05 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-05 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: NV

Complaint narrative:
On XX/XX/year>, I asked that they verify these accounts on my report because they were in accurate. I also asked that they give me complete info on how they verified and with whom they verified with. I only received simple letter back stating accounts were correct and verified. Also I noticed many inaccuracies. I identified multiple violations of XXXX XXXX reporting guidelines. Report should be complete and accurate. Account status and payment rating fields are inconsistent with required coding for charge off accounts. I explained all on formal letter dispute and deletion of charge off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
This complaint is filed by XXXX XXXX of XXXX XXXX XXXX, XXXX, on behalf of consumer XXXX XXXX, against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX submitted a formal dispute regarding the XXXX XXXX  account Number XXXX, citing major inconsistencies across all credit bureaus, including conflicting statuses, dates, and payment histories. Experian failed to conduct a reasonable reinvestigation, provide verification evidence, or produce documentation from the furnisher as required under FCRA 607 ( b ) and 611 ( a ). Their continued reporting of unverified and inaccurate information constitutes negligence and willful noncompliance. This has caused ongoing harm to the consumers credit profile and violates federal law. We demand immediate deletion of the disputed account or full substantiation supported by documented proof from the original creditor. The CFPB is urged to take enforcement action and impose penalties under FCRA 616 and 617 for Experians failure to comply with federal accuracy and reinvestigation standards.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I have been denied employment through first advantage background fail and pre adverse action. I have NO felonies and hardly any criminal history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not sure how to proceed and getting this matter resolved. Expungements take time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting this formal consumer complaint regarding unauthorized transactions on my Chase Bank debit card and the banks failure to properly credit the disputed funds in accordance with Regulation E ( 12 CFR 1005 ).

unauthorized transactions made on my debit card after it was stolen.

Important details : Card type : Debit card Date card was stolen : XX/XX/year> Date I reported the theft : XX/XX/year> by phone Claimed case in CHASE BANK ; XXXX Disputed amount : {$750.00} These transactions were unauthorized : XXXX ) XXXX XXXX XXXX {$280.00} XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX {$110.00} XXXX ) XXXX XXXX XXXX {$69.00} XXXX ) XXXX XXXX XXXX {$46.00} XXXX ) XXXX XXXX {$29.00} XXXX ) XXXX XXXX {$29.00} XXXX ) XXXX XXXX XXXX XXXX {$24.00} XXXX ) XXXX XXXX XXXX XXXX  {$24.00} I reported the theft within two business days, which means under Regulation E ( 12 CFR 1005 ) my liability should not exceed {$50.00}.

However, Chase has held me liable for the full disputed amount and has refused to return the funds after its investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am filing this complaint against Experian, Transunion, and Equifax for the continued reporting of fraudulent and inaccurate credit accounts, in violation of the Fair Credit Reporting Act ( FCRA ). 

My credit report currently lists XXXX accounts that are fraudulent and unverifiable : XXXX XXXX  XXXX ( Account ending in XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Both accounts were disputed directly with the furnishers and with your bureau, and formal Debt Verification Letters were mailed and delivered on XX/XX/year>, with XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ( Delivered XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Delivered XXXX, PA XXXX XXXX Neither furnisher has provided proper validation, yet these accounts remain on my credit file.

FCRA 611 : You have failed to remove or correct unverified and disputed data within the time required by law.

FCRA 605B : You are required to block fraudulent information within XXXX business days of receiving proof of identity theft documentation. 

The FTC Identity Theft Report system is currently unavailable due to the federal government shutdown ; however, my notarized affidavit of fraud and supporting documents serve as lawful verification under 605B ( b ) ( 2 ). 

This complaint requests an immediate investigation and deletion of both fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am filing this complaint against Experian, Transunion, and Equifax for the continued reporting of fraudulent and inaccurate credit accounts, in violation of the Fair Credit Reporting Act ( FCRA ). 

My credit report currently lists XXXX accounts that are fraudulent and unverifiable : XXXX XXXX  XXXX ( Account ending in XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Both accounts were disputed directly with the furnishers and with your bureau, and formal Debt Verification Letters were mailed and delivered on XX/XX/year>, with XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ( Delivered XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Delivered XXXX, PA XXXX XXXX Neither furnisher has provided proper validation, yet these accounts remain on my credit file.

FCRA 611 : You have failed to remove or correct unverified and disputed data within the time required by law.

FCRA 605B : You are required to block fraudulent information within XXXX business days of receiving proof of identity theft documentation. 

The FTC Identity Theft Report system is currently unavailable due to the federal government shutdown ; however, my notarized affidavit of fraud and supporting documents serve as lawful verification under 605B ( b ) ( 2 ). 

This complaint requests an immediate investigation and deletion of both fraudulent accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I hereby file this complaint to demand enforcement action against the credit reporting agencies and financial institutions for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, which guarantees the protection of consumers financial privacy. 

Despite my submission of valid documentation and requests for correction, the agencies have knowingly refused to block or remove inaccurate and unauthorized entries, in direct contravention of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, and such actions represent a clear breach of my privacy rights protected under the GLBA. 

Their continued inaction constitutes a blatant disregard for statutory obligations and consumer privacy protections. This misconduct has caused substantial and ongoing harm to my financial standing and reputation. I am exercising my rights under the GLBA to demand that my nonpublic personal information be safeguarded and not used, shared, or disclosed without my explicit consent. 

I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau, and I place all parties on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

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 2025-11-05 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:
I hereby file this complaint to demand enforcement action against the credit reporting agencies and financial institutions for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, which guarantees the protection of consumers financial privacy. 

Despite my submission of valid documentation and requests for correction, the agencies have knowingly refused to block or remove inaccurate and unauthorized entries, in direct contravention of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, and such actions represent a clear breach of my privacy rights protected under the GLBA. 

Their continued inaction constitutes a blatant disregard for statutory obligations and consumer privacy protections. This misconduct has caused substantial and ongoing harm to my financial standing and reputation. I am exercising my rights under the GLBA to demand that my nonpublic personal information be safeguarded and not used, shared, or disclosed without my explicit consent. 

I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau, and I place all parties on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the account listed below that has appeared on my TransUnion credit report. Due to recent data breaches affecting consumers nationwide, including the unauthorized exposure of personal and financial information, I have reason to believe my personal data was compromised and used to open or report this account without my authorization. 
Account in Question : Account Name : Source XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$880.00}

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 2025-11-05 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:
I wanted to inform you that I was unable to manage my accounts due to being detained, and I was unaware of the status of my files during that period. Unfortunately, my personal information was misused to create fraudulent accounts. It is crucial to ensure that these accounts do not appear on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NV

Complaint narrative:
I recently discovered that my credit report has incorrect personal information, and because of this, an account that does not belong to me is showing up. I am a victim of identity theft, and my personal details were used without my permission. As a result, there is an account listed on my credit report that I have never been connected to. 

As instructed by Experian, I filed an FTC identity theft report and submitted it, but despite doing so, this fraudulent account is still being reported.

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