vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XXXX and noticed some things are incomplete and not accurate. 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.

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 2025-11-19 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:
Please read over the materials ; the inquiries came unexpectedly and may not be validated.

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 2025-11-19 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:
I am disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be thoroughly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I apply to any of these entities. I am in complete dismay and disbelief that this occurred, as it violates my rights as a consumer. It is absolutely insulting and unacceptable, especially as a law-abiding citizen who values the protection of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX ending in XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 

Since XX/XX/XXXX, Equifax has refused to send me a copy of my current credit report despite four ( 4 ) certified requests containing all required identification : XX/XX/XXXX Certified # tracking on file XX/XX/XXXX Certified # tracking on file XX/XX/XXXX Certified # tracking on file Additional request in between Every letter included clear copies of my New Jersey Drivers License, Social Security card, and vehicle registration proving my identity and current address. 
Equifax keeps sending me stall letters claiming they mailed the report or need more information, but I have never received a single updated credit report since XX/XX/XXXX ( Report # XXXX ). 

This is a willful and ongoing violation of FCRA 15 U.S.C. 1681g ( a ), which requires Equifax to provide a complete and current copy of my consumer file upon proper request. 

Because Equifax refuses to send me my credit report, I am unable to see what inaccurate information is being reported, unable to dispute it, and am suffering ongoing harm to my credit profile and ability to obtain credit. 

I demand that Equifax immediately mail me a complete, current, and legible copy of my credit report to the address above and cease all stalling tactics. 

I have attached copies of all certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report regarding the following account : Creditor : XXXX XXXXXXXX XXXX Status : Closed Credit Limit : {$1000.00} Balance : {$0.00} Last Updated : XXXX Reported Issue : Not more than two payments past due / 60 days past due This account is reporting a 60-day delinquency and a negative payment status, even though : The account is closed, The balance is {$0.00}, and The furnishing of delinquency information is inconsistent and possibly incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax must ensure all information is accurate, complete, updated, and not misleading ( FCRA 602, 607, and 611 ). The current reporting is inaccurate because it does not properly reflect the accounts final standing at closure and may be misrepresenting the payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX, XX/XX/XXXX, {$490.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX Late Payments 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trust Financial LLC
State: ID

Complaint narrative:
There is a debt on my credit report that originated from a Land management company, posing as an attorney. I have never heard of this company and I was never sent a billing from them. I do not even have land that requires the service, especially in another state, Utah, where the company is located. They apparently sold the debt to another collection agency, Trust Financial. The debt is still increasing monthly by Trust Financial. I tried to dispute the debt with Trans Union, but it seems they only verified the company Trust Financial. They did not verify the original debtor, the Land management, supposed Attorney. If XXXX XXXX had investigated the original debt, they would not have found it to be verified. Further, If it was a legit attorney, I would be summoned to court -- not go through a collection agency like Trust Financial. Its unfortunate that Trust Financial bought a false debt, but that is not my fault and I do not deserve to be the paying victim of it. This is obviously a scam or fraud. Please show me my signature on whatever agreement they fabricated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am filing a dispute with Experian regarding several accounts that have been inaccurately reported. These accounts contain charged-off balances and inquiries that I believe do not accurately reflect my credit history. I request that the reporting errors be reviewed and corrected accordingly. 

Charged Off Accounts 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 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 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 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 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Company : Synchrony Bank Product : Credit card Issue : Account closed without proper notice / inaccurate credit reporting What happened XXXX XXXX XXXX credit card issued by Synchrony Bank was closed without warning and without any clear explanation. I did not receive prior notice, an adverse action letter, or a reason for the closure. 

I was not given a chance to resolve any alleged issue before Synchrony closed the account. 

Why I am filing this complaint 1. Synchrony Bank closed my XXXX XXXX account without providing the legally required written explanation. 
2. I did not receive any adverse action notice, which is required under the Equal Credit Opportunity Act ( ECOA ) and Regulation B when a lender takes negative action.

3. The account is now appearing on my credit reports in a way that may be inaccurate, incomplete, or harmful, reducing my available credit and lowering my scores.

4. I contacted Synchrony for a written explanation and proper documentation but they failed to provide a clear or complete response.

I requested that Synchrony : Provide the specific reason for the account closure Confirm the date the decision was made Provide documentation showing they complied with adverse-action notice requirements Correct or remove the account from my credit reports if the closure was made in error or without proper notice They have not complied or have only given generic responses. 

How this has affected me The unexpected closure of this XXXX XXXX account has : Reduced my overall credit limit Increased my credit utilization ratio Lowered my credit score Created inaccurate or misleading information on my credit report This is unfair and damaging, especially since I was not informed of the reason and did not miss required notices.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I regularly check my credit report because my XXXXredit score is important to me, and I continue to see inaccurate and false information on one account. This recurring issue has never been properly addressed despite multiple attempts to get it resolved. It is incredibly stressful, exhausting, and it is unfairly impacting my credit score and overall financial well-being.

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 2025-11-19 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
I am filing a complaint regarding improper collection activity, failure to return my security deposit, and inaccurate charges related to my former apartment at XXXX at XXXX, managed by XXXX. 
During my residency, my household experienced multiple unresolved issues including malfunctioning appliances, persistent bug problems, and poor communication and professionalism from the leasing office. 
After moving out, the property charged us for full flooring and carpet replacement, totaling {$2500.00} above our security deposit. These charges were inaccurate, so we formally disputed them in writing. Management later dropped all flooring charges and confirmed we were actually owed an {$81.00} deposit refund, not a balance. 
Despite this, the property did not return the {$81.00}, no one contacted us, and they sent us to collections for the same charges they previously removed. This means the collection agency is attempting to collect on a debt that the original creditor has already acknowledged is invalid. 
I also submitted two messages to XXXX XXXX through their system and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-19 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: FL

Complaint narrative:
SUBJECT : Equifax FCRA Violation Failure to Block Identity-Theft Information Within Required 4-Day Window / Repeated Improper Documentation Requests Complaint : I am submitting an escalation against Equifax for failure to comply with the FCRA identity-theft blocking requirements under 15 USC 1681c-2.

I submitted a valid identity-theft request to Equifax along with : A copy of my Social Security identification ( Category 1 requirement ) A bank statement showing my full current mailing address ( Category 2 requirement ) Equifax acknowledged receipt but refused to block the fraudulent items and instead sent a repetitive documentation mismatch letter a second time. This appears to be a procedural stall tactic. Under the FCRA, once a consumer provides proof of iden
tity and address, Equifax must block the fraudulent information within 4 business days. Instead, they are ignoring the documents provided and reissuing template letters, effectively attempting to restart the investigation timeline.

This behavior violates : 15 USC 1681c-2 ( a ) mandatory blocking of identity-theft data 15 USC 1681i ( a ) ( 3 ) ( A ) unreasonable reinvestigation procedures CFPB Regulation V ( 1022.43 ) duty to process ID theft submissions promptly I am requesting that a CFPB supervisor intervene and compel Equifax to : 1 . Accept the documents already submitted 2. Immediately block the fraudulent information 3. Provide written confirmation of the block 4. Stop all repetitive or duplicative ID-
verification letters I am also submitting additional proof ( recent paystub ) solely to satisfy Equifaxs unreasonable demands, but I do not consent to restarting the investigation clock. 

Please compel Equifax to comply with the FCRA immediately.

Company response to consumer: Closed with explanation