vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unverifiable Late Payments Violation of 15 U.S. Code 1666b ( Timely Payments ) Dear XXXX XXXX  XXXX Disputes Department , I am writing to formally dispute the reporting of late payments on my credit report in connection with my account with XXXX  of XXXX XXXX After reviewing my credit reports from the major credit reporting agencies, I have discovered that your institution is reporting late payments that are inaccurate, unverified, and appear to be in direct violation of federal consumer protection laws.

In accordance with 15 U.S. Code 1666b Timely payments, it is unlawful to consider a payment late if it was received by XXXX XXXX local time on the date it was due at the location specified by the creditor. Unless you can provide clear, documented evidence that the payments in question were received after the cutoff time on the date due, the reporting of these late payments is a violation of federal law and must be corrected immediately. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), all data furnishers are required to ensure the accuracy and integrity of the information they report to consumer reporting agencies. Reporting unverifiable or inaccurate payment history is not only harmful to me as a consumer but also a direct violation of your obligations under federal law.

I demand the following : 1. Immediate investigation into the alleged late payments.

2. Deletion or correction of any unverifiable, inaccurate, or outdated late payment notations associated with my account.

3. Written confirmation of the outcome of your investigation within 30 days as required by law.

This letter serves as my formal notice under the FCRA and other applicable consumer protection laws. If the inaccurate reporting is not corrected, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, as well as considering legal action for damages related to this reporting. 

Please respond to this dispute in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unverifiable Late Payments Violation of 15 U.S. Code 1666b ( Timely Payments ) Dear XXXX XXXX  XXXX Disputes Department , I am writing to formally dispute the reporting of late payments on my credit report in connection with my account with XXXX  of XXXX XXXX After reviewing my credit reports from the major credit reporting agencies, I have discovered that your institution is reporting late payments that are inaccurate, unverified, and appear to be in direct violation of federal consumer protection laws.

In accordance with 15 U.S. Code 1666b Timely payments, it is unlawful to consider a payment late if it was received by XXXX XXXX local time on the date it was due at the location specified by the creditor. Unless you can provide clear, documented evidence that the payments in question were received after the cutoff time on the date due, the reporting of these late payments is a violation of federal law and must be corrected immediately. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), all data furnishers are required to ensure the accuracy and integrity of the information they report to consumer reporting agencies. Reporting unverifiable or inaccurate payment history is not only harmful to me as a consumer but also a direct violation of your obligations under federal law.

I demand the following : 1. Immediate investigation into the alleged late payments.

2. Deletion or correction of any unverifiable, inaccurate, or outdated late payment notations associated with my account.

3. Written confirmation of the outcome of your investigation within 30 days as required by law.

This letter serves as my formal notice under the FCRA and other applicable consumer protection laws. If the inaccurate reporting is not corrected, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, as well as considering legal action for damages related to this reporting. 

Please respond to this dispute in writing at the address listed above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-05 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: NE

Complaint narrative:
I am writing to formally file a complaint and request your assistance regarding significant errors and/or unresolved disputes on my credit reports, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], as amended by the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant updates per the Consumer Financial Protection Act ( CFPA ) and recent FTC regulations.

Background : On [ insert date ( s ) ], I obtained copies of my credit reports from [ Experian, Equifax, and/or TransUnion ] . I discovered multiple inaccuracies, including [ describe briefly : accounts not belonging to you, outdated information, fraud allegations, or other errors ].

Action Taken : I have attempted to resolve these disputes directly with the credit bureaus and/or furnishers as required by law, but the errors remain uncorrected. Despite providing supporting documentation and formal disputes, I have not received a satisfactory resolution within the required
30-day timeframe as mandated by FCRA 611.

My Rights and the Law : The FCRA and subsequent federal laws require credit reporting agencies to investigate all consumer disputes, correct or delete inaccurate, incomplete, or unverifiable information, and notify consumers of the results. My experience represents a clear failure to comply with these requirements.

Request for CFPB Action : I respectfully request the CFPB to investigate this matter, ensure my consumer rights are protected, and require [ credit bureau or furnisher ] to promptly correct or remove the inaccurate information. I am also requesting copies of all relevant documentation, communications, and any investigation outcomes.

References : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ) Consumer Financial Protection Act ( CFPA ) Recent FTC regulatory updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C.1681c2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and their associated balances : XXXX creditcard account opened XX/XX/XXXXXXXX  ( acct # XXXX, balance {$6000.00}, Chargeoff ) XXXX  XXXX account opened XX/XX/XXXXXXXX  ( acct # XXXX, balance {$8300.00}, Chargeoff ) XXXX  creditcard account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, Paid Chargeoff ) XXXX XXXX  ( XXXX ) XXXX  account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX creditcard account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, Paid Chargeoff ) XXXX XXXX XXXX account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, XXXX XXXX XXXX XXXX XXXX  installment loan account opened XX/XX/XXXXXXXX  ( acct # XXXX, balance {$0.00}, Paid Chargeoff ) XXXX XXXX account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, Paid Collection ) These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C.1681c2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and their associated balances : XXXX creditcard account opened XX/XX/XXXXXXXX  ( acct # XXXX, balance {$6000.00}, Chargeoff ) XXXX  XXXX account opened XX/XX/XXXXXXXX  ( acct # XXXX, balance {$8300.00}, Chargeoff ) XXXX  creditcard account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, Paid Chargeoff ) XXXX XXXX  ( XXXX ) XXXX  account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX creditcard account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, Paid Chargeoff ) XXXX XXXX XXXX account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, XXXX XXXX XXXX XXXX XXXX  installment loan account opened XX/XX/XXXXXXXX  ( acct # XXXX, balance {$0.00}, Paid Chargeoff ) XXXX XXXX account opened XX/XX/XXXX ( acct # XXXX, balance {$0.00}, Paid Collection ) These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-05 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: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian and Equifax remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent account that do not belong to me and continue to report unverifiable information.

This conduct is in direct violation of federal law and my consumer rights. The account listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

This account is fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-05 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 XXXXXX/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
Consumer complaint received 2025-06-05 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

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 1681e ( 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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D2 Management LLC
State: PA

Complaint narrative:
D2 Management llc. One of their agents XXXX XXXX, XXXX, contacted me on his personal cell phone, shown above, and impersonated a federal agent. He made numerous threats. After I figuring out that he works for D2 Management, he called once again, from his personal cell phone and slandered me by saying I'm a crazy XXXX. I find this highly offensive and for him to steal my personal information from his computer and put it in his personal device seems a little illegal. I do have part of our second call recorded to prove it's him. This all happen on XX/XX/year>. Not sure what to do. Please help

Company response to consumer: Closed with explanation