vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am attempting to freeze my credit with Experian and an account has already been made with Experian that I do not have access to ( the identify thefter set up the account ). I am unable to talk to someone about reporting this and creating a new account ( or recovering this false account ). 

The reset password functionality continually sends an email to the false email and phone number. Creating a new account is denied and again sends a login verification to the false email and false phone number. Calling Experian 's contact number does nothing except ask you to go through the above process.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the removal of a dismissed XXXX XXXX bankruptcy that is still being reported on my credit file. The case was filed on XX/XX/XXXX and officially dismissed on XX/XX/XXXX by the U.S. Bankruptcy XXXX in XXXX, GA ( XXXX # XXXX ). It was not completed or discharged. 

Despite the dismissal being over three years ago and the bankruptcy never proceeding to discharge, Equifax ( and potentially other bureaus ) reported the item as recently as XX/XX/XXXX. This is causing significant and unjust harm to my credit profile. 

Under the Fair Credit Reporting Act, only accurate, complete, and verifiable information should be listed on consumer reports. A dismissed bankruptcy is not a valid indication of insolvency or completed relief and should not be treated the same as a discharged bankruptcy. 

I have attempted to dispute this with the credit bureau directly, and I am providing supporting documentation. I am asking the CFPB to assist in having this inaccurate and outdated public record removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the removal of a dismissed XXXX XXXXXXXX bankruptcy that is still being reported on my credit file. The case was filed on XX/XX/XXXX and officially dismissed on XX/XX/XXXX by the U.S. Bankruptcy XXXX in XXXX, GA ( XXXX # XXXX ). It was not completed or discharged. 

Despite the dismissal being over three years ago and the bankruptcy never proceeding to discharge, XXXX  ( and potentially other bureaus ) reported the item as recently as XX/XX/XXXX. This is causing significant and unjust harm to my credit profile. 

Under the Fair Credit Reporting Act, only accurate, complete, and verifiable information should be listed on consumer reports. A dismissed bankruptcy is not a valid indication of insolvency or completed relief and should not be treated the same as a discharged bankruptcy. 

I have attempted to dispute this with the credit bureau directly, and I am providing supporting documentation. I am asking the CFPB to assist in having this inaccurate and outdated public record removed 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 2025-05-20 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( 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 Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: MD

Complaint narrative:
Everest Receivable Services has contacted me more than XXXX times in a XXXX  day period regarding an alleged debt owed to XXXX XXXX, another debt collection agency. 

They have also contacted XXXXparty family members regarding the alleged debt, discussing this debt with a XXXX parties without my prior consent. I have asked him to cease and desist from further contacting me regarding this alleged debt.

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 2025-05-20 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-20 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-20 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The charges were reported fraudulently. We ended up paying with an agreement to delete but its 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
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I got a notification that my credit report was changed and logged in and saw I had over XXXX dollars in charges to a XXXX XXXXXXXX card. I had not used this card in years and they charged me a member fee of XXXX dollars and late fees at almost XXXX dollarsI had not even purchased anything. They never sent a bill in the mail or contacted me via phone. Now my credit report score is down almost XXXX pointsI had good credit. They told me they can not fix this. I filed disputes with all three credit bureaus. I need this fixed and XXXXXXXX XXXX  should be ashamed of themselves.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I got a notification that my credit report was changed and logged in and saw I had over XXXX dollars in charges to a XXXX XXXXXXXX card. I had not used this card in years and they charged me a member fee of XXXX dollars and late fees at almost XXXX dollarsI had not even purchased anything. They never sent a bill in the mail or contacted me via phone. Now my credit report score is down almost XXXX pointsI had good credit. They told me they can not fix this. I filed disputes with all three credit bureaus. I need this fixed and XXXXXXXX XXXX should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I got a notification that my credit report was changed and logged in and saw I had over XXXX dollars in charges to a XXXX XXXXXXXX card. I had not used this card in years and they charged me a member fee of XXXX dollars and late fees at almost XXXX dollarsI had not even purchased anything. They never sent a bill in the mail or contacted me via phone. Now my credit report score is down almost XXXX pointsI had good credit. They told me they can not fix this. I filed disputes with all three credit bureaus. I need this fixed and XXXXXXXX XXXX  should be ashamed of themselves.

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 2025-05-20 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: TX

Complaint narrative:
Im writing to dispute the reporting of an account from XXXX XXXX XXXX ( Account # : XXXX * * * * ) that currently appears on my credit report. This account should not be reporting. 

In response to CFPB complaint # XXXX, XXXX & XXXX XXXX XXXX in their official response ( attached ) that : XXXX & XXXX has not reported this account to any credit bureaus, but we reserve the right to do so in accordance with applicable laws and regulations. 

Given that statement, Im confused as to how this account is now appearing on my credit report. If they have confirmed in writing that they are not reporting the account, it should not be showing up under any circumstances. 

In fact, Equifax has already deleted this account, and XXXX XXXX XXXX has confirmed that the account is closed and theyve ceased collection activity. 

Additionally, I contacted the original creditor, XXXX XXXX, who confirmed that XXXX XXXX XXXX not XXXX XXXX XXXX is listed as the purchaser of this debt. There is also a discrepancy in the balance, as XXXX XXXX records do not match the amount that XXXX XXXX XXXX has claimed. 

Given all of this, I am requesting that this account be immediately removed from my credit report. Ive attached the response from XXXX XXXX XXXX for reference. Please investigate this matter thoroughly and ensure that inaccurate and unauthorized information is no longer 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
Consumer complaint received 2025-05-20 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-20 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-20 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
On or around XX/XX/year>, both of my business accounts with Relay Financial were abruptly closed without warning. I was told this was due to a fraud protection review, yet no specifics were provided. I have not received any explanation, account statements, or confirmation about the return of funds from either account. 

It has now been 10 business days. Despite repeated outreach to customer supportincluding requests to speak to a supervisor and promises of callbacks and statementsIve received no follow-up. I have no visibility into when or if my funds will be returned. 

Relay is not a XXXX XXXX XXXXaccredited company, and attempts to get a response from their support team via social media have gone unanswered. 

Ive documented the full experience here : XXXX XXXX XXXX Relay Financial provides banking services through XXXXXXXX XXXX , so I believe both parties are relevant to this complaint. 

Im seeking an immediate response and full release of the funds from both accounts.

Company response to consumer: Closed with explanation