vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-09-23 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: MD

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-23 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:
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  Account Number : [ 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 2025-09-23 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: NY

Complaint narrative:
I was a victim of identity theft and people was allowed to open accounts even after I called the companies and advise them I also have had a fraud alert on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts reporting on my credit file with [ TransUnion/Experian/Equifax ] . These include collection accounts, charge-offs, late payments, and hard inquiries that are either not mine, not validated, or reported incorrectly. 

I previously disputed these accounts directly with the credit bureau and requested proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 602, 609, 611, 623 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 809 ). The bureau failed to provide the required documentation, such as the original signed contracts, validation from furnishers, or a complete chain of title. 

The continued reporting of these accounts without verification violates federal law, including the FCRA, FDCPA, Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and protections under the Uniform Commercial Code 3-501. In addition, the unauthorized hard inquiries violate FCRA 604. 

Supporting evidence is attached, including dispute letters, my credit report with highlighted errors, proof of identity and address, and evidence of prior disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable. 

The continued presence of these inquiries is highly concerning, as they may indicate possible identity theft. This unresolved issue is inflicting ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
Citizens Bank was my mortgagee and hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to write and send me a " foreclosure '' letter back in early XX/XX/year> but my home was never in foreclosure. The fake and intentionally scary letter they sent me scared me into thinking bankruptcy was necessary. There's currently a civil and federal lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX for the bankruptcy fraud but citizens bank is the main culprit into tricking me into filing for bankruptcy when it wasn't in my best interest and they tricked me into thinking my home was in foreclosure but my credit report printed XX/XX/year> showed my home was never in foreclosure and bankruptcy was never necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Service International Corp
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate and harmful collection account being reported on my credit file. 

A collection account from Credit Service International ( for XXXX XXXX XXXX ) is appearing on my XXXX XXXX XXXX XXXX reports under account number XXXX XXXX. This account is marked as a paid collection. 

This reporting is false and misleading for the following reasons : The alleged balance was paid in full directly to XXXX XXXXXXXX XXXX before this account was assigned or sold to the collection agency. 

Reporting a collection account under these circumstances violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

FDCPA 15 U.S.C. 1692e ( 8 ) : Debt collectors may not communicate credit information known or which should be known to be false. 

This inaccurate reporting is causing immediate financial harm, as I am scheduled to close on a mortgage within days. 

Requested Relief : I am requesting the immediate deletion of this collection account from all three credit bureaus XXXX XXXX XXXX XXXX XXXX ). 

I further request confirmation in writing that the account has been deleted. 

The presence of this derogatory item is blocking my mortgage closing and causing me severe financial harm. This matter is urgent and requires expedited handling by the CFPB to ensure compliance with federal law and immediate correction. 

Attached Evidence : Proof of payment to XXXX XXXX XXXX  prior to assignment. 

Screenshots/copies of credit report showing the paid collection account being reported inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

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. 

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

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 2025-09-23 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: TN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must contain only accurate, complete, and verifiable information. I am requesting that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) : XXXX DOB XXXX XXXXXX/XX/XXXX Date XXXX XXXXXX/XX/XXXX To : Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Consumer Reporting Violations Demand for Deletion Dear Credit Bureau, I am disputing the accounts listed below as inaccurate, unverifiable, and unlawfully reported. This is a direct demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ) ). 

The following accounts must be deleted unless you can provide competent evidence, not automated responses, that substantiates each entry : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX tradelines reporting as XXXX days late. I dispute all late notations. Provide original contracts with my wet-ink signature, lawful authorization, and a complete chain of title. 
XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX ) Reported as charge-off. No contract, promissory note, or accounting ledger has ever been provided. Reporting without such proof is a violation of the FCRA. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Showing multiple late payments. Disputed as inaccurate and unverifiable. Produce the original agreement and all payment records or delete. 
XXXX. Collection Account ( {$700.00} on Experian ) This account is disputed in its entirety. Provide the original signed agreement and evidence of lawful assignment ; otherwise, it must be removed. 

Legal Demands You must conduct a reasonable investigation as required by FCRA 1681i ( a ). Automated e-Oscar responses do not satisfy federal law. 
If the furnisher can not produce admissible, physical proof with my signature, the account is unverifiable and must be deleted immediately. 
Any continued reporting of unverifiable information will be treated as willful noncompliance, subject to civil liability under FCRA 1681n and 1681o. 

I demand written results of your investigation and confirmation of deletion within XXXX  days of receiving this notice. Failure to comply will result in formal complaints filed with the CFPB, FTC, and XXXX XXXX  XXXX XXXX, as well as consideration of legal action for damages. 

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 2025-09-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) : XXXX DOB XXXX XXXXXX/XX/XXXX Date XXXX XXXXXX/XX/XXXX To : Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Consumer Reporting Violations Demand for Deletion Dear Credit Bureau, I am disputing the accounts listed below as inaccurate, unverifiable, and unlawfully reported. This is a direct demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ) ). 

The following accounts must be deleted unless you can provide competent evidence, not automated responses, that substantiates each entry : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX tradelines reporting as XXXX days late. I dispute all late notations. Provide original contracts with my wet-ink signature, lawful authorization, and a complete chain of title. 
XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX ) Reported as charge-off. No contract, promissory note, or accounting ledger has ever been provided. Reporting without such proof is a violation of the FCRA. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Showing multiple late payments. Disputed as inaccurate and unverifiable. Produce the original agreement and all payment records or delete. 
XXXX. Collection Account ( {$700.00} on Experian ) This account is disputed in its entirety. Provide the original signed agreement and evidence of lawful assignment ; otherwise, it must be removed. 

Legal Demands You must conduct a reasonable investigation as required by FCRA 1681i ( a ). Automated e-Oscar responses do not satisfy federal law. 
If the furnisher can not produce admissible, physical proof with my signature, the account is unverifiable and must be deleted immediately. 
Any continued reporting of unverifiable information will be treated as willful noncompliance, subject to civil liability under FCRA 1681n and 1681o. 

I demand written results of your investigation and confirmation of deletion within XXXX  days of receiving this notice. Failure to comply will result in formal complaints filed with the CFPB, FTC, and XXXX XXXX  XXXX XXXX, as well as consideration of legal action for damages. 

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 2025-09-23 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: OK

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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