vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I am filing this complaint against Experian for their continued failure to maintain accurate, complete, and verifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( A ), 604, 607 ( B ), 609, and 611. 

Despite submitting a detailed dispute letter directly to Experian, they have failed to remove or verify several inaccurate and unauthorized entries. Below are the specific concerns : Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Outdated and incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Inaccurate and never associated with me Accounts with Reporting Errors, Unverified or Invalid Statuses : XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a charge-off without valid supporting documentation XXXX XXXX XXXX Charge-off reported without validation or proper notice 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  Late payments reported without proof or due process XXXX Reports charge-off despite {$0.00} balance, which is contradictory XXXX Reports late payment despite {$0.00} balance XXXX Not authorized or verified with documentation XXXX  Charge-off marked on a {$0.00} balance account XXXX XXXX XXXX XXXX XXXXXXXX XXXX item never validated XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Hard Inquiries : 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 Many of these inquiries were made without my consent or knowledge, violating FCRA 604 ( a ) ( 3 ) which requires a permissible purpose before an inquiry can be placed on a consumer 's report. Experian has failed to investigate or remove these despite my dispute. 

Experian has neglected its responsibility to ensure accuracy and to conduct a proper reinvestigation. Their refusal to correct or delete these items within the 30-day period required by FCRA 611 is unacceptable and damaging to my credit standing.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX, I submitted a written request to XXXX XXXX XXXX XXXX ( XXXX XXXX ) via email asking for validation of a collection account they were reporting. I never received a response, nor did they provide any documentation verifying the debt. 

On XX/XX/XXXX, XXXX deleted the account from my credit report after completing their reinvestigation. I contacted XXXX, and they confirmed the deletion was due to the debt not being verified, not because of any time-based removal. 

Last month, I also spoke by phone with a XXXX XXXX XXXX representative shortly after the XXXX  deletion. When I told them that XXXX removed the account because they could not verify it, the representative falsely claimed that the deletion was a mistake and even said the account would reappear on XXXX  the next month. 

On XX/XX/XXXX, I sent another written request to XXXX XXXX XXXX asking again for debt validation, including a signed lease, billing breakdown, and proof of their right to collect the debt. I have not received a response. 

Despite this, XXXX XXXX XXXX continues to report the collection to Equifax, even though they have failed to verify the debt and have provided no documentation. Their continued reporting is misleading and has negatively impacted my credit, including contributing to a housing denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - File Number XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , This letter disputes inaccurate information on a credit report issued by your agency. A copy of the credit report with the disputed items circled is enclosed. This is a formal request to investigate and correct the following items : 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  According to FCRA Section 605B, it is illegal to report information on my credit report without my permission thank you please remove this items from my credit report now. 

This request is made pursuant to * * 15 U.S. Code 1681i * *, which requires a reasonable reinvestigation of disputed information.

* * As required by the Fair Credit Reporting Act ( FCRA ) : * * 1. * * Reinvestigate each of these disputed items * * within the timeframe mandated by the FCRA. 
2. * * Delete or correct any information that is found to be inaccurate, incomplete, or can not be verified * *.

3. * * Provide the results of your reinvestigation * * in writing within five business days of completion.

4. * * Send an updated copy of my credit report reflecting the corrections or deletions * *.

5. * * If you are unable to resolve my dispute, allow me to add a statement to my file * * explaining the nature of the dispute, as is my right under 15 U.S. Code 1681i ( b ).

6. * * Provide the names and addresses of all individuals contacted * * during the reinvestigation, so follow-up can be made directly. 

Under the FCRA, this investigation must be completed within 30 days of receiving this dispute. Prompt attention to this matter is appreciated, and a swift resolution is expected to ensure the accuracy and fairness of the credit information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - File Number XXXXXXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX This letter disputes inaccurate information on a credit report issued by your agency. A copy of the credit report with the disputed items circled is enclosed. This is a formal request to investigate and correct the following items : 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 According to FCRA Section 605B, it is illegal to report information on my credit report without my permission thank you please remove this items from my credit report now. 

This request is made pursuant to * * 15 U.S. Code 1681i * *, which requires a reasonable reinvestigation of disputed information.

* * As required by the Fair Credit Reporting Act ( FCRA ) : * * 1. * * Reinvestigate each of these disputed items * * within the timeframe mandated by the FCRA.

2. * * Delete or correct any information that is found to be inaccurate, incomplete, or can not be verified * *. 
3. * * Provide the results of your reinvestigation * * in writing within five business days of completion.

4. * * Send an updated copy of my credit report reflecting the corrections or deletions * *.

5. * * If you are unable to resolve my dispute, allow me to add a statement to my file * * explaining the nature of the dispute, as is my right under 15 U.S. Code 1681i ( b ).

6. * * Provide the names and addresses of all individuals contacted * * during the reinvestigation, so follow-up can be made directly. 

Under the FCRA, this investigation must be completed within 30 days of receiving this dispute. Prompt attention to this matter is appreciated, and a swift resolution is expected to ensure the accuracy and fairness of the credit information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 explanation
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have two Medical Collection accounts on my credit report that I contacted by certified mail to Equifax and to Transunion with an official document demanding they follow new federal laws, removing the Medical Debt immediately. I received a letter from both companies stating the debt was verified and would remain on the credit reports. This is causing me financial harm, I can not access loans needed because of these two Medical Collection accounts.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion credit report shows derogatory remarks in my credit report. I lost XXXX plus point from my credit score. Attached is the supporting document that I paid off dues

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 2025-07-03 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXX, and XXXX  data breach.

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 2025-07-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-07-03 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

& a late payment which should also not be 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 2025-07-03 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This morning XX/XX/year> around XXXX XXXX I zelled XXXX to my wife for utilities payment men and Citi bank blocked it. When I tried to call to de why I was told they couldn't verify me even though they didn't ask any identity information and that they would mail me a code. I wasn't given an explanation or anything and they blocked access to both my checking and savings account. The guy on the line was incredibly rude and m. Now they're holding my money hostage in both accounts simply because I tried to zelle someone.

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 2025-07-03 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: GA

Complaint narrative:
I am submitting a formal request for reinvestigation into the fraudulent and inaccurately reported XXXX XXXX XXXX collection account ending in XXXX XXXX, which appears on my Equifax credit report. This debt is the subject of my FTC Identity Theft Report # XXXX, filed XX/XX/XXXX. I never opened or authorized this account, and no documentation proving my responsibility has ever been provided. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c2 ), I have the right to block identity theft-related information from my credit reports. A police report is not required, and I have already submitted the required FTC report and written statement. According to FCRA 605B ( c ) ( 2 ) ( A ), the credit bureau must permanently block and delete the disputed data within 4 business days of receiving this valid identity theft documentation. That statutory deadline has passed, yet the account remains on file. 

Additionally, XXXX XXXX XXXX has failed to provide any legally sufficient verification, including a signed contract, original application, or method of verification, in violation of FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 6 ). The only documents provided were post-default statements and a charge-off notice none of which prove that I opened or owe this account. I also note a lack of IRS Form 1099-C, which would be required under tax law for a charged-off amount over {$600.00}, further undermining the legitimacy of the reported balance. 

Equally concerning, this account appears to have been re-aged. The delinquency began in XXXX, yet it is now reflected with an open or recent status, violating Metro 2 data standards and FCRA 607 ( b ), which mandates that consumer information be reported with maximum possible accuracy. Improper re-aging falsely extends the reporting period and misleads future lenders. 

This account is not mine. It is the result of identity theft. I have complied fully with the law by submitting a valid FTC Identity Theft Report. I now demand that Equifax and the furnisher permanently delete this account under FCRA 605B, provide written confirmation of the deletion, and cease all further reporting or collection efforts. I also request that the CFPB investigate whether XXXX XXXX XXXX is violating FCRA and Metro 2 obligations in how they respond to identity theft claims. The continued presence of this fraudulent account is causing material harm to my credit and must be resolved immediately in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
What happened : I borrowed {$1300.00} from Big Picture Loans. To date, I have repaid {$1400.00}, yet they claim I still owe {$1300.00}. I requested a full breakdown of my account, including how much of the balance was principal versus interest or fees. I also requested that my loan either be marked Paid in Full based on overpayment, or that a reasonable hardship-based settlement be considered. 

I sent a written request to revoke ACH authorization prior to the XX/XX/XXXX  due date, but the lender failed to process it in time and still pulled the payment. They later claimed they didnt receive my earlier message, despite clear timestamped proof. 

Instead of addressing my repayment history or honoring my requests, Big Picture Loans sent a 12-month settlement offer that is unreasonable and ignores the fact that Ive already repaid more than I borrowed. They have not provided the requested loan breakdown or responded fairly to my communications.

I am filing this complaint because Big Picture Loans continues to demand excessive payments, failed to honor my ACH revocation, and has not provided the transparency or fair resolution I requested.

Company response to consumer: Closed with explanation