vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
I am writing to file a formal complaint against inaccurate and misleading information being reported on my consumer credit report by certain furnishers and credit reporting agencies. The following items contain false information and have caused significant harm to my credit reputation and overall financial standing : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX High Balance : {$250.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment XXXX XXXX XXXX High Balance : {$170.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off Both the addresses listed above are incorrect and do not belong to me. Including false addresses on my credit file is a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 and Section 607 ( b ), which require credit reporting agencies to maintain maximum possible accuracy of consumer information. 

Regarding the XXXX account, it is being reported with late payments, which is completely false. I have never made any late payments on this account. Reporting inaccurate payment history violates FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from providing information that they know or should know is inaccurate. 

Additionally, the XXXX account is being reported as a charge-off, but I have no knowledge or record of ever having such an account. This reporting is false, unverified, and must be immediately investigated and deleted as required under FCRA Section 611.

These inaccuracies have resulted in unfair damage to my credit profile and reputation. I am demanding that the CFPB conduct a full investigation into these reporting errors and take immediate corrective action against the furnishers and credit bureaus involved for their failure to ensure compliance with the FCRA. 

Please ensure that all inaccurate data is permanently removed or corrected and that I receive written confirmation once the investigation is completed. 

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
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. And " Create a dispute letter under 15 USC 1681c-2 to block fraudulent accounts due to identity theft. I have my FTC Identity Theft Report, ID, SSN, and proof of address.

Emphasize that no police report is required, and demand deletion within 4 business days. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for immediate reinvestigation and permanent deletion of all closed, collection, and derogatory accounts appearing in my credit file that are unverifiable, inaccurate, outdated, or incomplete. 

Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of all disputed information. Any item that can not be fully verified with original documentation from the furnisher must be deleted within 30 days.

Additionally, 15 U.S.C. 1681e ( b ) mandates that all consumer reporting agencies maintain maximum possible accuracy of reported information. Any continued reporting of incomplete or unverifiable data constitutes willful noncompliance with federal law.

If any of the accounts listed below are reported by a third-party debt collector, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that all reporting and collection activities cease until the debt is validated. Failure to comply will be viewed as a violation of 15 U.S.C. 1681n and 1681o, and I reserve the right to pursue civil action for damages.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for immediate reinvestigation and permanent deletion of all closed, collection, and derogatory accounts appearing in my credit file that are unverifiable, inaccurate, outdated, or incomplete. 

Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of all disputed information. Any item that can not be fully verified with original documentation from the furnisher must be deleted within 30 days.

Additionally, 15 U.S.C. 1681e ( b ) mandates that all consumer reporting agencies maintain maximum possible accuracy of reported information. Any continued reporting of incomplete or unverifiable data constitutes willful noncompliance with federal law.

If any of the accounts listed below are reported by a third-party debt collector, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that all reporting and collection activities cease until the debt is validated. Failure to comply will be viewed as a violation of 15 U.S.C. 1681n and 1681o, and I reserve the right to pursue civil action for damages.

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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account reporting from XXXX XXXX, that appears on my credit report. I have never taken possession of an apartment at that property, nor have I ever paid rent or resided there. 

At the time, I was in the process of applying for student housing. A representative from the property asked me to complete paperwork sent via email, but I did not fully understand the leasing process at that time as this would have been my first apartment. I expressed my concern about signing what appeared to be a lease, but I was assured that it would not result in any obligations or issues. I only completed a walkthrough of the unit but never received keys, never moved in, and never paid any rent. 

Later, I was surprised to find this account reported negatively on my credit. I have made several attempts to contact the property or management company for clarification and resolution, but have been unsuccessful. 

I respectfully request that this account be investigated and removed from my credit report, as I was never a tenant and have no financial obligation related to this property. Below in the attachments I have attached proof of lease from the bluff where I was residing during XXXX  the year the XXXX is proclaiming that Ive resided in there unit Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 submitting this complaint because Experian continues to report an account related to a bankruptcy that has already been deleted from my credit file. The original bankruptcy record was removed ; however, XXXX associated account ( XXXXXXXX XXXX Acct. ending in XXXX ) remains listed, inaccurately suggesting an active or delinquent obligation. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ), including 605 ( a ) ( obsolete data ), 611 ( failure to reinvestigate ), and 623 ( a ) ( 1 ) ( A ) ( inaccurate furnishing ). Despite providing proof of my identity, discharge documentation, and FTC Identity Theft Report XXXX. XXXX, Experian has failed to correct the error. 

This ongoing misreporting continues to harm my credit reputation and ability to obtain fair credit terms.

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 2025-10-30 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: AL

Complaint narrative:
I have paid off a vehicle loan to XXXX balance in XX/XX/2025. The vehicle loan is still reporting with a balance XXXX months later. I requested a XXXX balance statement from XXXX and have no received it. This negligence is negatively affecting my debt to income ratio thus restricting my ability to obtain credit.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have paid off a vehicle loan to XXXX balance in XX/XX/2025. The vehicle loan is still reporting with a balance XXXX months later. I requested a XXXX balance statement from XXXX and have no received it. This negligence is negatively affecting my debt to income ratio thus restricting my ability to obtain credit.

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 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am filing this complaint because a debt collector, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, contacted me regarding an alleged debt but failed to provide the legally required validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Despite my written request for verification dated XXXX XX/XX/year>, the collector has continued collection activity and/or reported the account to credit bureaus without proper validation. This reporting has already begun to negatively impact my life, including my ability to secure personal loans, employment opportunities, and financial stability. The stress and potential financial consequences of this unverified debt are significant and ongoing. 
This conduct violates : FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] failure to cease collection activity until validation is provided.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] failure of credit bureaus to accurately investigate and verify disputed information. 
I have attached copies of my written requests to the collector and the credit bureaus. I am kindly requesting : XXXX. Immediate cessation of all collection activity until full validation is provided ; XXXX. Removal of any related negative entries from my credit reports to prevent further harm ; XXXX. Enforcement action against the collector for violations of federal law. 
Thank you for your consideration. I hope for a quick resolution to prevent any further negative impact on my livelihood and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX XXXX days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX XXXX days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have previously disputed multiple inaccurate and unverified accounts, inquiries, and personal information with the credit bureaus. Despite submitting proper disputes and supporting documentation, these items continue to appear on my credit report without any verification of accuracy or ownership. 

Several accounts were reported with inconsistent balances, duplicate listings, and unverifiable payment histories. Inquiries remain on file even though there has been no evidence of permissible purpose. In addition, outdated and incorrect personal information such as old addresses and employers continues to be reported, even after multiple requests for correction. 

The bureaus failed to provide proper verification from the data furnishers within the allowed investigation period, yet the accounts remain. This ongoing reporting of unverified information is causing continued damage to my credit profile and does not comply with FCRA accuracy and reinvestigation requirements. 

I am requesting a complete reinvestigation and deletion of all accounts, inquiries, and personal data that can not be verified with documented proof from the original furnishers.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
XXXX has an account on my credit that is not mine and not my charges from XXXX. I've reached out and was told they are out of jurisdiction for this account and are no longer collecting as its too old. I Disputed it and it has yet to be removed from my credit. This is causing a hardship. This was also during COVID.,

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 2025-10-30 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: LA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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