vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Date Opened, Date Last Active.

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 2025-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> a new inquiry was reported from Capital One to XX/XX/XXXX. This is an unauthorized inquiry and I did not approve it. I called XX/XX/XXXXto let them know that and they stated they would contact Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. Also, this account was opened without my consent. I asked the bureaus for documents with my wet signature on them proving I signed to open this account. The following is everything that is reporting differently across the credit bureaus : Date Opened, Last Reported, Date Last Active, Date of last payment.

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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp.
State: MA

Complaint narrative:
I made my last payment of {$350.00} in XXXX of XXXX. At the time I could access my account and I had no remaining balance. The company never contacted me since, not via email, phone, or mail. I thought I received the title for the vehicle but we have moved since then and thought I misplaced it. I go to request a copy of the title and they are saying there is a lien hold. My insurance company has even said there is no lien on the vehicle. I called the company today XX/XX/XXXX as I could no longer access my account, it was deactivated by the company. If I no longer have an account than I shouldn't have a balance. When I called the company the gentleman I spoke to would not give an explanation to why I was not contacted in 2 years for this supposed balance of {$1200.00}. He said they will just repose the vehicle. I made my last payment 2 years ago according to my account. All the pay work I received from the dealership and the bank do not match. In fact I think I overpaid according to the paperwork I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-08 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: GA

Complaint narrative:
I am formally disputing the continued reporting of the XXXX XXXX account status with an alleged open status and a past-due balance of {$430.00}, as reflected on both my Experian ( Report Number XXXX ) and XXXX ( Report Confirmation XXXX ) credit reports. Despite being reported as an open account, it reflects serious delinquency ( XXXX days past due ), with consistent negative payment history through 2025, but no evidence of consumer re-engagement, contract renewal, or current activity. This is a misclassification of account status and constitutes illegal re-aging, in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX ( a ) ( XXXX ), a furnisher can not continue to furnish derogatory payment data in a way that misrepresents the age or activity of a debt. If the account is functionally charged off or inactive, then maintaining it as open with monthly updates is both misleading and harmful to my credit profile. This practice artificially extends the derogatory impact of the delinquency. Additionally, the reporting of a {$430.00} past-due balance without any current contract activity or signed renewal violates FCRA XXXX ( b ), which requires maximum possible accuracy in consumer data. The bureaus and XXXX XXXX have failed to establish whether this account is in active repayment, in collections, or written off, making the tradeline materially inaccurate and unverifiable. Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), this account must be permanently deleted from my credit report unless the furnisher can provide verifiable evidence of : A valid and enforceable contract ; An accurate date of delinquency ; A clear and current payment agreement; And proof of recent consumer authorization. Additionally, I formally prohibit the use of third-party data vendors such as XXXX, XXXX, XXXX, XXXX, or XXXX XXXX during this reinvestigation, as they are not original furnishers and their use violates FCRA XXXX ( a ) due to lack of consumer consent. Finally, I invoke FCRA XXXX ( a ) ( XXXX ) and request expedited deletion within XXXX ( XXXX ) business days of receiving this dispute. If not resolved immediately, I will escalate the matter to the CFPB, XXXX, and other regulatory agencies for enforcement and oversight.

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 2025-05-08 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: GA

Complaint narrative:
I am formally disputing the continued reporting of the XXXX XXXX account status with an alleged open status and a past-due balance of {$430.00}, as reflected on both my XXXX  ( Report Number XXXX ) and Equifax ( Report Confirmation XXXX ) credit reports. Despite being reported as an open account, it reflects serious delinquency ( XXXX days past due ), with consistent negative payment history through 2025, but no evidence of consumer re-engagement, contract renewal, or current activity. This is a misclassification of account status and constitutes illegal re-aging, in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX ( a ) ( XXXX ), a furnisher can not continue to furnish derogatory payment data in a way that misrepresents the age or activity of a debt. If the account is functionally charged off or inactive, then maintaining it as open with monthly updates is both misleading and harmful to my credit profile. This practice artificially extends the derogatory impact of the delinquency. Additionally, the reporting of a {$430.00} past-due balance without any current contract activity or signed renewal violates FCRA XXXX ( b ), which requires maximum possible accuracy in consumer data. The bureaus and XXXX XXXX have failed to establish whether this account is in active repayment, in collections, or written off, making the tradeline materially inaccurate and unverifiable. Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), this account must be permanently deleted from my credit report unless the furnisher can provide verifiable evidence of : A valid and enforceable contract ; An accurate date of delinquency ; A clear and current payment agreement; And proof of recent consumer authorization. Additionally, I formally prohibit the use of third-party data vendors such as XXXX, XXXX, XXXX, XXXX or XXXX XXXX during this reinvestigation, as they are not original furnishers and their use violates FCRA XXXX ( a ) due to lack of consumer consent. Finally, I invoke FCRA XXXX ( a ) ( XXXX ) and request expedited deletion within XXXX ( XXXX ) business days of receiving this dispute. If not resolved immediately, I will escalate the matter to the CFPB, XXXX, and other regulatory agencies for enforcement and oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX : Credit Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Dispute of Inaccurate Credit Reporting Account XXXX XXXX  To Whom It May Concern, I am writing to again formally dispute the accuracy of the information being reported by XXXX XXXX XXXX to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are four reported late payments that appear inconsistently across the three major credit bureaus ( XXXX  TransUnion, and XXXX ) XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. 

Transunion is reporting I allegedly had late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is reporting late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  also is showing the account is still active as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These numerous inconsistencies directly violate your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished.

If you had conducted a reasonable investigation when I recently disputed this information, you would have noticed the numerous reporting inconsistencies across the three bureaus.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting Account XXXX XXXX  To Whom It May Concern, I am writing to again formally dispute the accuracy of the information being reported by XXXX XXXX XXXX to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are four reported late payments that appear inconsistently across the three major credit bureaus ( Experian, XXXX XXXX XXXX XXXX XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. 

XXXX is reporting I allegedly had late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian is reporting late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is reporting late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  also is showing the account is still active as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These numerous inconsistencies directly violate your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished.

If you had conducted a reasonable investigation when I recently disputed this information, you would have noticed the numerous reporting inconsistencies across the three bureaus.

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 2025-05-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account XXXX XXXX To Whom It May Concern, I am writing to again formally dispute the accuracy of the information being reported by XXXX XXXX XXXX to the credit reporting agencies regarding my closed account XXXX XXXX XXXX XXXX XXXX Specifically, there are four reported late payments that appear inconsistently across the three major credit bureaus ( XXXX XXXX  and Equifax ) XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. 

XXXX is reporting I allegedly had late payments on 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. Equifax is reporting late payments in XXXX and XXXX of XXXX and again in XXXX XXXX XXXX XXXX XXXX Equifax also is showing the account is still active as of XXXX of XXXX when the account was closed on XXXX of XXXX. 

These numerous inconsistencies directly violate your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished. 

If you had conducted a reasonable investigation when I recently disputed this information, you would have noticed the numerous reporting inconsistencies across the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Im writing because theres a hard inquiry on my credit report that I did not authorize and that has no permissible purpose under the Fair Credit Reporting Act. I take my personal and financial information seriously, and I never gave consent for this inquiry to be made.

Company response to consumer: Closed with explanation