vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
I am submitting this formal complaint against one or more credit reporting agencies ( CRAs ) and furnishers for violations of the Fair Credit Reporting Act ( FCRA ). Specifically, several accounts that had been previously disputed and removed following an identity theft investigation have been reinserted on my credit reports without proper legal notice, violating my rights under federal law.

Legal Violations FCRA : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice : CRAs must notify a consumer in writing within 5 business days after reinserting any information previously deleted. They must also identify the furnishers name, address, and phone number. I received no such notice.

2. FCRA 605B Failure to Block Identity Theft Accounts : CRAs are required to block and exclude information once a valid Identity Theft Report is submitted. The accounts listed below were reinserted in violation of this rule.

3. FCRA 609 ( a ) ( 1 ) Lack of Disclosure : I was not given access to the details of the reinserted information or its source, denying my right to full transparency. 



Reinserted Fraudulent Accounts : XXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX Accounts ending in : XXXX ( Discovered : XX/XX/XXXX ) XXXX ( Discovered : XX/XX/XXXX ) XXXX ( Discovered : XX/XX/XXXX ) All fraud began : XX/XX/XXXX XXXX Bankruptcy Court Account # XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were removed after prior disputes and have now reappeared without legal notification or verification, despite my submission of a valid FTC Identity Theft Report.

Misuse of Personal Information : The following personal information has also been fraudulently linked to my reports : Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Pl XXXX Employment XXXX XXXX XXXX XXXX None of these are accurate or authorized and must be removed. 



Requested Resolution : 1. Immediate and permanent deletion of all reinserted fraudulent accounts and unauthorized personal information.

2. A written explanation identifying : The furnishers responsible, Why the accounts were reinserted, and Why proper FCRA notification was not provided.

3. A permanent block on re-reporting these accounts unless full compliance with FCRA 611 ( a ) ( 5 ) is met.

4. A full CFPB investigation into all credit bureaus and data furnishers involved.

5. Optional : I may seek monetary damages under : FCRA 616 ( willful noncompliance ), and FCRA 617 ( negligent noncompliance ), if needed. 



Supporting Documentation Attached : FTC Identity Theft Report # XXXX Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-07-11 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Violation of Rights Under 15 U.S. Code 1681a ( 4 ) Under 15 U.S. Code 1681a ( 4 ) of the Fair Credit Reporting Act ( FCRA ), Congress established that : There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This law is intended to protect individuals from the harm caused by inaccurate or outdated information appearing on their credit reports. In my case, the credit reporting agenciesExperian, Equifax, and TransUnionhave violated this statute in the following ways : 1. Reporting Inaccurate or Unverified XXXX  Information The XXXX listed on my credit file is either inaccurate, unverifiable, or obsolete, and yet the agencies have continued to report it. By doing so, they have failed to meet their obligation to report only accurate and verifiable information.

2. Failure to Ensure Fairness and Impartiality The continued presence of this XXXX  harms my creditworthiness unfairly and does not reflect my current financial behavior. The law requires agencies to act fairly and impartially, yet this listing shows bias and negligence in maintaining my report accurately.

3. Violation of My Right to Privacy and Dignity XXXX is a serious and private matter. Reporting outdated or inaccurate public recordsespecially without proper verificationinvades my privacy and damages my personal and professional reputation. This directly contradicts the FCRAs intent to respect the dignity of the consumer.

4. Failure to Promptly Investigate or Correct Errors When consumers file disputes, the credit bureaus are required to conduct a timely and thorough investigation. If the agencies fail to delete unverifiable or erroneous information, they are neglecting their duty under FCRA and compounding the harm caused. 

Conclusion By allowing a misreported, outdated, or unverified XXXX  to remain on my credit report, Experian, Equifax, and TransUnion have violated their federal obligation under 15 U.S. Code 1681a ( 4 ) to act with fairness, accuracy, and respect for my rights. I am formally demanding that they correct this mistake, and if not resolved, I am prepared to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Violation of Rights Under 15 U.S. Code 1681a ( 4 ) Under 15 U.S. Code 1681a ( 4 ) of the Fair Credit Reporting Act ( FCRA ), Congress established that : There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This law is intended to protect individuals from the harm caused by inaccurate or outdated information appearing on their credit reports. In my case, the credit reporting agenciesExperian, Equifax, and TransUnionhave violated this statute in the following ways : 1. Reporting Inaccurate or Unverified XXXX  Information The XXXX listed on my credit file is either inaccurate, unverifiable, or obsolete, and yet the agencies have continued to report it. By doing so, they have failed to meet their obligation to report only accurate and verifiable information.

2. Failure to Ensure Fairness and Impartiality The continued presence of this XXXX  harms my creditworthiness unfairly and does not reflect my current financial behavior. The law requires agencies to act fairly and impartially, yet this listing shows bias and negligence in maintaining my report accurately.

3. Violation of My Right to Privacy and Dignity XXXX is a serious and private matter. Reporting outdated or inaccurate public recordsespecially without proper verificationinvades my privacy and damages my personal and professional reputation. This directly contradicts the FCRAs intent to respect the dignity of the consumer.

4. Failure to Promptly Investigate or Correct Errors When consumers file disputes, the credit bureaus are required to conduct a timely and thorough investigation. If the agencies fail to delete unverifiable or erroneous information, they are neglecting their duty under FCRA and compounding the harm caused. 

Conclusion By allowing a misreported, outdated, or unverified XXXX  to remain on my credit report, Experian, Equifax, and TransUnion have violated their federal obligation under 15 U.S. Code 1681a ( 4 ) to act with fairness, accuracy, and respect for my rights. I am formally demanding that they correct this mistake, and if not resolved, I am prepared to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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 disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, 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 2025-07-11 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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 disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX I physically went into the JP Morgan Chase bank and requested for my account to be closed because I had discovered unauthorized transaction, and this was the 3rd time in 3 months that i had an issue with the account. The banker informed me that I couldn't close the account but had to submit a trouble ticket - so i sat in the bank lobby on the phone with the XXXX number to submit the fraud claim. Then on XX/XX/XXXX i received notice that my account was being closed and that they would no longer do business with me. I had no access to the account as it was then restricted. I again went into the bank and sat with the banker who informed me that the account was restricted and that i could no longer bank with them. I continue to receive notices of the account being overdrawn even after being told that the account was restricted and nothing was going in or out. I feel that I should not be responsible for the unauthorized charges that i originally requested the account to be closed for along with all other charges made or processed by the bank after my initial request to close the account on XX/XX/XXXX. This was with JP Morgan Chase Bank with whom I have been a customer since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that this complaint is legitimate and not submitted in error. My credit report contains inaccurate information that does not meet the federally required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial and personal well-being during an already challenging time.

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 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/year>2025 a purchase of {$940.00} was made to a card that had not been used. There was a credit limit increase request initiated and approved on the same day. 

I did not receive help from Dillards or citibank because they could not find my account information.

I do not have access to this credit card or account and do not know what information is needed for the bank or dillards to report 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: KS

Complaint narrative:
I have asked them to stop contacting me about taking out a loan. Texted stop. I am getting continual text messages after asking for stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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