vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BK COURT ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-21 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: IL

Complaint narrative:
XXXX  XXXX XXXX locked me out of my credit-card account for several weeks due to an unknown login. During that time my autopay was removed without my action, causing a missed annual-fee payment. 

After access was restored, I contacted the bank multiple times, paid the annual fee in full, and requested removal of late fees and interest caused by the lockout. Despite this, XXXX XXXXXXXX XXXX reported a late-payment delinquency to credit bureaus. 

The customer-service experience made it impossible to resolve the issue : representatives refused to document my statements verbatim, denied case or reference numbers, and gave conflicting information about whether the delinquency had been reported. 

I am disputing the delinquency as inaccurate credit reporting under the Fair Credit Reporting Act and requesting its removal from all credit bureaus and written confirmation that my account is in good 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 2025-10-21 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX locked me out of my credit-card account for several weeks due to an unknown login. During that time my autopay was removed without my action, causing a missed annual-fee payment. 

After access was restored, I contacted the bank multiple times, paid the annual fee in full, and requested removal of late fees and interest caused by the lockout. Despite this, XXXX XXXX XXXX reported a late-payment delinquency to credit bureaus. 

The customer-service experience made it impossible to resolve the issue : representatives refused to document my statements verbatim, denied case or reference numbers, and gave conflicting information about whether the delinquency had been reported. 

I am disputing the delinquency as inaccurate credit reporting under the Fair Credit Reporting Act and requesting its removal from all credit bureaus and written confirmation that my account is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
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 2025-10-21 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: AR

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 non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the inaccurate personal information associated with my credit report. Upon reviewing my report, I have identified several incorrect addresses and details that need immediate correction. Please note the following : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX : These addresses are incorrect and must be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX : The " XXXX '' designation should be fixed to XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX : Please ensure that the " XXXX '' designation is included in the record. XXXX XXXX XXXX, XXXX, XXXX XXXX : The city name should be corrected to XXXX. The FTC site is unavailable, which is why we're unable to create an FTC Identity Theft report at this time. I am requesting that these changes be made in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the maintenance of accurate information in consumer reports. Kindly investigate and update my report accordingly. Please provide me with written confirmation of these changes and a copy of my corrected 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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence resource management continues to call me every day regarding a debt they have not verified. No written communication has been sent to me & debt was originally dropped with another debtor for not being able to provide verification. Recently reached out to me via text message in which I did not OPT in to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate and/or unverifiable information on my TransUnion credit report. 
Please investigate, verify, and delete or correct the following items within 30 days per XXXX U.S.C. 
1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Opened : XXXX Reported : XXXX Balance : {$450.00} Status : Collection / Derogatory Issue : I have no verified contract or obligation with XXXXXXXX XXXX XXXXXXXX. The furnisher has not provided proof of ownership or signed documentation authorizing this collection. This item may be linked to identity misuse, as my file contains active fraud alerts. 
Request : Delete this account immediately under 1681c-2 ( identity-theft block ) and 1681i ( a ) ( 1 ) ( A ) due to lack of verified evidence and possible identity compromise. 
XXXX. XXXX Credit Card Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported late 30 days in early 2025 Issue : Payment history is inaccurate and inconsistent across bureaus. I made on-time payments, and the late marking conflicts with other reporting dates. This violates the FCRAs requirement of maximum possible accuracy. 
Request : Update payment history to Paid/Current or delete the tradeline entirely under 1681e ( b ) and 1681i ( a ) ( 5 ). 
XXXX. Bankruptcy ( XXXX  XXXX ) Reported on or around XXXX Linked accounts : XXXX XXXX XXXX, XXXX Issue : This public record may be incomplete or outdated. Please provide the exact source, court, and verification method used. If you can not provide verifiable documentation, this record must be deleted. 
Request : Provide full method of verification per 1681i ( a ) ( 6 ) ( B ) ( iii ) or remove the record for failure to verify. 
I request : 1. Full reinvestigation of each item listed.

2. Deletion of any unverifiable or identity-theft-related information.

3. Written confirmation of results within 30 days.

4. A copy of the method of verification and the furnishers contact details.

Ive enclosed copies of my ID and proof of address for verification purposes. 
Please send all replies in writing.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The entry in question is not reflective of my payment habits and seems to be incorrect. I request a review and appropriate correction.

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 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Notice of FCRA Violation XXXX  XXXX Account Still Reporting Despite Prior Dispute Resolution To Whom It May Concern, I am submitting this formal dispute and notice of violation regarding the continued reporting of a closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX account on my Equifax credit file. This account was previously disputed through the Consumer Financial Protection Bureau ( CFPB ), and your written response stated that Equifax is not reporting the account. 

However, my Equifax credit report dated XX/XX/XXXX shows : A monthly balance of {$740.00} reported from XX/XX/XXXX through XX/XX/XXXX A past due amount of {$740.00} listed consistently Negative status codes : XXXX Charged Off Account XXXX Account Closed By Credit Grantor 002 Credit Card No payment activity since XX/XX/XXXX This contradicts your prior statement and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681s-2, which mandate accurate and timely correction of disputed information. 

Requested Action : Immediate deletion of all data related to this account from my Equifax credit file Written confirmation of deletion sent to the address above Updated credit report reflecting removal of all balances, late payments, and derogatory codes Explanation of why monthly updates continued despite your prior claim of non-reporting If unresolved within 30 days, I will escalate to the CFPB, FTC, and relevant state authorities with supporting documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My automobile policy with XXXX was active from XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this period, I did not receive any renewal notices, either by mail or electronic email. As my policy term was nearing its end, I opted for coverage with XXXX XXXX, which began on XX/XX/scrub>XXXX XXXX XXXX.

To my surprise, on XXXX XXXX XXXX I received a text message stating that my insurance premium was due on XXXX XXXX XXXX. This prompted me to review my bank ledger, where I discovered that XXXX had already drafted my account for {$100.00} on XXXX XXXX XXXX. This transaction was unauthorized, as I had not renewed my policy with XXXX. 

Upon contacting the phone number provided in the text message, the representative directed me to XXXX XXXX, claiming they held my policy. After explaining my situation to XXXX XXXX, they insisted that only XXXX could cancel my policy. This back-and-forth continued for over an hour. Eventually, I called XXXX again and spoke with XXXX, who sent me a Cancellation Request form and an EFT ( Auto Pay ) Removal Request form, which I promptly signed and returned. 

XXXX also advised me to contact my bank and issue a stop payment to prevent further unauthorized drafts. Despite my efforts, XXXX refused to refund the {$100.00}, citing that I had insurance coverage with them for at least half of the month. I reminded them that I never consented to renew my policy and was unaware of the coverage since I did not receive any renewal notice. According to Texas state regulations, renewal notices must be sent 30 days in advance. 

XXXX XXXX automatically renewed my policy without my permission and charged my bank account without explicit authorization. This action is a clear violation of insurance regulations and constitutes an unauthorized withdrawal, which is against federal banking laws.

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 monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9300.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00} INQUIRIES : XXXX XXXX XX/XX/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