vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
I have no affiliation with these accounts, which were opened fraudulently. Please investigate the matter and delete them from my record. Relevant evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
I am filing a complaint against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), for failing to conduct a reasonable reinvestigation and for continuing to report inaccurate information after the furnisher agreed to delete the account. 

On XX/XX/scrub> 2025, I filed a CFPB complaint against XXXX XXXX XXXX , a debt collector, for attempting to collect a debt that was not owed. On XX/XX/scrub> 2025, XXXX XXXX responded to the CFPB stating they would report to delete the tradeline with all three credit reporting agencies. Their response closed my CFPB complaint in my favor.

Despite this, Experian has verified the debt and continues to report it on my credit file. This is an egregious violation of the FCRA because : FCRA 1681i ( a ) ( 1 ) ( A ) requires Experian to conduct a reasonable reinvestigation upon receiving my dispute. Experian could not have reasonably reinvestigated if they ignored the furnishers own admission that the account was erroneous and should be deleted.

FCRA 1681s-2 ( b ) requires furnishers to update credit reporting agencies with accurate information and for CRAs to promptly delete inaccurate data. Experian had a legal duty to remove the account once notified by the furnisher that the information was wrong.

FCRA 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Continuing to report a debt that the furnisher has retracted violates this standard.

The continued reporting of this tradeline is causing measurable harm to my credit score and reputation. This is not a case of factual disputeit is a case of Experian knowingly reporting information that the furnisher has explicitly agreed to delete.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On multiple occasions from XXXX, I disputed inaccurate and incomplete information with Experian, Equifax, and TransUnion. Issues include : Equifax reporting my name incorrectly as XXXX XXXX and XXXX A instead of my correct legal name, XXXX XXXX XXXX. 
TransUnion merged my active XXXX  account with a closed account number, retaining late payments from the closed account, creating a false negative history. 
Experian XXXX Equifax continue to report paid-in-full XXXX  XXXX XXXX  accounts XXXX XXXX XXXX XXXX, violating FCRA and XXXX XXXX guidelines. 
I requested the method of verification and investigation details under FCRA XXXX ( a ) ( XXXX ) & XXXX ( a ) ( XXXX ) ; all bureaus failed to provide this. I also have documented dark web alerts confirming exposure of my personal data. The bureaus failures have harmed my credit scores, denied me fair credit opportunities, and caused significant distress.

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 2025-08-12 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: GA

Complaint narrative:
I am a confirmed victim of identity theft and have already submitted an FTC Identity Theft Report # XXXX along with proof of identity to Equifax Despite being in possession of this legal documentation, the credit bureaus continue to knowingly and willfully report fraudulent accounts, inquiries, and personal information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

These accounts are reporting fabricated payment histories, re-aged dates, and improper charge-off codes in clear violation of Metro 2 Fields 17A, 11, and 25, as well as FCRA 605, 605B, 607 ( b ), 609 ( a ), and 623 ( a ) ( 1 ).

The bureaus are fully aware of these violations, yet they refuse to comply with FCRA 605B, which requires that identity theft-related information be blocked and removed within 4 business days. Their willful noncompliance is damaging my creditworthiness, preventing me from obtaining housing, funding, and other necessities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of identity theft around XX/XX/XXXX. Without my knowledge, they ( scammer ) opened and used multiple accounts under my name. I hired a lawyer on XXXX, sued the bank, and reached a settlement. After all this I tried to open a new checking account, but the record hadn't been cleared yet, so I couldn't open XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
My account has no history of lateness, making this report both misleading and incorrect. I ask for its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, at around XXXX I called the c.s.line to resolve the letter I received on XXXX XXXX and to resolve the interest accessed to our account. I spoke with XXXX, she is rude, condescending and unprofessional. She has no listening skills and talking over me and does not want to listen to issue. I ended the call with frustration. I called again and spoke with the alleged supervisor on the floor XXXX to document the incident and promised that recorded conversation will be reviewed by her supervisor XXXX. 
The following day, XX/XX/year> at XXXX I called again as I am not able to resolve the issue from other night, again i spoke with a rude customer service who asked me how old I am for verification and was told my case is being reviewed and I get an answer within XXXX  days and hang up before i can say anything. Outrageous behavior of US Banks customer service. 
It will be noted that both customer service agents did not advise me that the call is being recorded. We live in CA and it is violation of the state law not to advise the caller that the call is being recorded. THIS IS A VIOLATION OF THE STATE LAW OF CA. 

US Bank has accessed finance charges to our account in the period of XXXX XXXX XXXX balance with finance charges has been paid in full with multiple payments. I was given a run around on how the interest are accessed by the supervisor and can not explain why this keeps on happening. 

I have sent several letters but no response.

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 2025-08-11 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: MS

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND I HAVE FOUND MULTIPLE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, I HEARBY REQUEST AN INVESTIGATION INTO THESE ITEMS AND THEIR SUBSEQUENT REMOVAL FROM MY REPORT. I AM AWARE THAT PER XXXX XXXX  SEC. XXXX ( a ), YOU ARE REQUIRED TO COMPLETE THIS REINVESTIGATION WITHIN XXXX  DAYS OF RECEIVING THIS CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Inconsistent Date Last Active - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Different Last Reported Dates - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Different Past Due Balances - TransUnion & Experian : {$28000.00} - Equifax : {$27000.00} Conflicting Comments- TransUnion : " Repossession '' - Equifax : " XXXX XXXX '' - Experian : No comments listed Payment History Conflicts- Equifax reports XXXX  payments up to XX/XX/XXXX despite the account being in repossession status and showing delinquency as early as XX/XX/XXXX ( TransUnion ). 

Status Reporting After Account Closure - Account is Closed but repeated monthly updates are still occurring ( especially TransUnion & Experian ). 

No Payment Since XX/XX/XXXX, Still Updating in XX/XX/XXXX This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-11 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: TX

Complaint narrative:
Inconsistent Date Last Active - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Different Last Reported Dates - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Different Past Due Balances - TransUnion & Experian : {$28000.00} - Equifax : {$27000.00} Conflicting Comments- TransUnion : " Repossession '' - Equifax : " XXXX XXXX '' - Experian : No comments listed Payment History Conflicts- Equifax reports XXXX  payments up to XX/XX/XXXX despite the account being in repossession status and showing delinquency as early as XX/XX/XXXX ( TransUnion ). 

Status Reporting After Account Closure - Account is Closed but repeated monthly updates are still occurring ( especially TransUnion & Experian ). 

No Payment Since XX/XX/XXXX, Still Updating in XX/XX/XXXX This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am writing to formally dispute several unauthorized and inaccurate XXXX  inquiries listed on my credit report. Immediate action is required to investigate and remove the following inquiries, which I have never authorized and which are unlawfully impacting my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary documentation to support my claim.

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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

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 2025-08-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX and XXXX. 

After reviewing my credit report, I have identified the following item ( XXXX ) that are inaccurate, incomplete, and/or can not be verified : Transunion XX/XX/year> XXXX accurate information on my 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 non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-08-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief