vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This company is furnishing my alleged consumer credit report with false information saying this debt is written off with the Internal Revenue Service, yet they are still pursuing me as reflected in my credit report. This derogatory information is in directly violation of XXXX XXXX XXXX and IRS XXXX XXXX. These statutes prohibit banks from writing off credit as a loss while still leveraging it as an asset. This information is required to be removed per XXXX 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 explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX SSN : XXXX | XXXX : XX/XX/XXXX | Phone : XXXX Consumer ID : XXXX Date : XX/XX/XXXX ChexSystems XXXX XXXX XXXX 
Attn : XXXX Relations XXXX. XXXX XXXX XXXX, MN XXXX Re : Formal Dispute Request for Permanent Deletion of Negative Accounts and Inquiries To Whom It May Concern, I am disputing the following items in my ChexSystems XXXX file. These accounts and inquiries are inaccurate, incomplete, and unverifiable, and must be removed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Accounts to Dispute XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Reported Account Abuse/NSF Closure XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$9.00} Reported Account Abuse/NSF Closure XX/XX/XXXX. 



Inquiries Viewed By Others XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pennsylvania XXXX XXXX XXXX XX/XX/XXXX Georgia XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Georgia XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  / XXXX XXXX XX/XX/XXXX XXXX XXXX FCRA XXXX ( 15 U.S.C. 1681i ) : Requires deletion of information that can not be verified within 30 days. 
FCRA XXXX ( b ) ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must ensure maximum possible accuracy. 
FCRA XXXX ( a ) ( 15 U.S.C. 1681c ) : Prohibits reporting obsolete information. 
FCRA XXXX ( a ) ( XXXX ) ( A ) ( ii ) : Mandates permanent deletion of unverifiable data. 



Demand I hereby demand that ChexSystems provide full documentation ( original contracts, signed account applications, and account-level statements ) for each account and inquiry listed above. If such documentation can not be produced, these items must be permanently deleted from my consumer file. 

Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, as well as pursuit of remedies under 15 U.S.C. 1681n and 1681o. 

Please provide written confirmation of deletion within XXXX  days. 

Respectfully, 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have received nemerous calls wanting to improve my credit rating and lower my credit card rate. One was from Florida XXXX and another was from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Request copy of original contract of debt was never sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally dispute the reported late payment on my account. My payment records clearly show that no delinquency occurred. This entry is false and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I am submitting this formal complaint against Equifax regarding its continued failure to investigate and remove fraudulent accounts and inaccurate personal information from my credit file, despite my repeated disputes and the clear evidence of identity theft I have provided. 

On XX/XX/year>, I filed a police report with the XXXX XXXX XXXX XXXX ( Report # XXXX ) documenting the fraudulent misuse of my personal information, including my full name, Social Security number, and date of birth. That report confirms that multiple accounts were opened without my knowledge or authorization and that several fraudulent addresses were reported. Despite this, Equifax continues to report numerous unauthorized accounts, charge-offs, and collections, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed and Fraudulent Accounts The following accounts appearing on my Equifax credit report dated XX/XX/year> ( Confirmation # XXXX ) are not mine and must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged off with balance over {$11000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged off with balance over {$900.00}. 

XXXX XXXX XXXX XXXX XXXX Credit Card, charged off with balance over {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX, paid/closed but reported without my authorization. 

XXXX XXXX XXXX Multiple collection accounts with balances of {$480.00}, {$440.00}, and {$840.00}. 

These accounts were opened fraudulently and have been disputed multiple times. Equifax has failed to correct or delete them, despite my providing documentation including a government-issued ID, proof of residence, and the police report. 

Violations of the Fair Credit Reporting Act XXXX refusal to fully remove these accounts constitutes willful noncompliance with the FCRA. Specifically : 15 U.S.C. 1681i ( a ) requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information.

15 U.S.C. 1681c-2 provides consumers the right to block reporting of information resulting from identity theft when proper documentation, including a police report, is submitted. 

Equifax has ignored these statutory obligations by continuing to report fraudulent data that severely damages my credit profile, financial stability, and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: WA

Complaint narrative:
I am writing regarding my lease account XXXX. 
According to my lease agreement ( Item 13 Estimated Official Fees and Taxes You Must Pay During the Lease ), the estimated total amount of official fees and taxes over the full 36-month lease term is {$2100.00}. 
However, my monthly invoices show a tax charge of {$240.00} per month, which would total more than {$8700.00} over the lease term significantly higher than the contractual estimate. 
In addition, since XX/XX/year> I have been living in XXXX, WA, but it appears the tax rate being applied may still correspond to my previous address in XXXX, WA. As you know, sales/use tax rates vary by jurisdiction, and XXXX generally has a lower rate than XXXX. 
I kindly request : A detailed breakdown of the {$240.00} monthly tax ( rate applied, jurisdiction, and components ). 
Adjustment of my account to apply the correct XXXX, WA tax rate going forward. 
A review of payments since XX/XX/year>, and confirmation if I am eligible for a retroactive credit/refund for any excess tax paid due to the incorrect jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Ive owned my house for over 5 years, never late until M & T bank got ahold of my loan. Started making payments, and as soon as the first of the 2025 year happened, my payments were taking over 10 days to come out of my account which hindered my account of things coming out. This happened for months which led to getting behind. M & T bank then said send the money through XXXX XXXX, and they would not except that money, 5 different times. I am now in foreclosure, with all the money they need to catch up, and they won't take the payment. My house is up for auction on XX/XX/XXXX. I am waiting on a letter from their attorney for a request of reinstatement, which I have not received yet. I'm afraid they are setting me up for failure, this is a VA loan, and I have a lot of equity in my house. This is not fair at all!

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 2025-09-02 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-02 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: MI

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 2025-09-02 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: GA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed unauthorized and fraudulent inquiries from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with non-monetary relief