vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
XXXX is inaccurately reporting a 30-day late payment for XX/XX/XXXX, despite receiving my payment on XX/XX/XXXX. 

What Happened : I contacted XXXX, and they claim I didnt pay in XXXX and therefore marked me late in XXXX. However, I made a payment in XXXX that posted on XX/XX/XXXX, and under Regulation Z, 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ), a payment can not be considered late unless the billing statement was sent at least 21 days before the due date ( XX/XX/XXXX ). 

I disputed this with the credit bureaus and XXXX. XXXX responded but failed to provide any account-level recordssuch as statement mailing logs or payment ledgerto justify the late mark. 

Discovers reporting is inaccurate, misleading, and harmful.

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 2025-08-04 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:
XXXX is inaccurately reporting a 30-day late payment for XX/XX/XXXX, despite receiving my payment on XX/XX/XXXX. 

What Happened : I contacted XXXX, and they claim I didnt pay in XXXX and therefore marked me late in XXXX. However, I made a payment in XXXX that posted on XX/XX/XXXX, and under Regulation Z, 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ), a payment can not be considered late unless the billing statement was sent at least 21 days before the due date ( XX/XX/XXXX ). 

I disputed this with the credit bureaus and XXXX. XXXX responded but failed to provide any account-level recordssuch as statement mailing logs or payment ledgerto justify the late mark. 

XX/XX/XXXXreporting is inaccurate, misleading, and harmful.

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 2025-08-05 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: CA

Complaint narrative:
I am filing this complaint on behalf of the consumer regarding inaccurate, inconsistent, and misleading reporting of a XXXX XXXX XXXX auto loan across all three credit bureaus ( Experian, XXXX, and XXXX  ), in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX has been reporting different payment histories to each bureau for the same account : XXXX  shows 2 missed payments ( XXXX and XX/XX/scrub> 2025 ). 
XXXX  also shows 2 missed payments for the same months. 
Experian, however, shows only 1 missed payment ( XX/XX/year> ). 

Despite this, all three bureaus report the account as Currently on-time, which is misleading given the recent delinquencies. Additionally, Experian displays a comment stating : Completed investigation of FCRA dispute consumer disagrees, yet the account remains inaccurately marked with late payments, and no correction was made. 

This inconsistency demonstrates a failure to : Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Conduct a proper reinvestigation after a dispute under 15 U.S.C. 1681i.

Correct or delete inaccurate or unverifiable information as required by 15 U.S.C. 1681s-2 ( b ).

The consumer previously submitted a written dispute to all three credit bureaus and the furnisher ( XXXX XXXX XXXX ) on or about XX/XX/year>2025. To date, no adequate resolution has been provided. The tradeline remains inconsistent, and the negative impact on the consumers credit score is ongoing.

We request that this inaccurate reporting be corrected immediately across all credit bureaus, with all late payments removed unless properly verified and reported consistently. If they can not verify the accuracy uniformly, the information must be deleted.

Supporting documentation is available upon request, including screenshots of each bureaus reporting and the dispute letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 filing this complaint on behalf of the consumer regarding inaccurate, inconsistent, and misleading reporting of a XXXX XXXX XXXX auto loan across all three credit bureaus ( XXXX, Equifax, and XXXX  ), in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX has been reporting different payment histories to each bureau for the same account : XXXX  shows XXXX missed payments ( XXXX and XX/XX/2025 ). 
Equifax also shows 2 missed payments for the same months. 
XXXX, however, shows only 1 missed payment ( XX/XX/2025 ). 

Despite this, all three bureaus report the account as Currently on-time, which is misleading given the recent delinquencies. Additionally, XXXX  displays a comment stating : Completed investigation of FCRA dispute consumer disagrees, yet the account remains inaccurately marked with late payments, and no correction was made. 

This inconsistency demonstrates a failure to : Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Conduct a proper reinvestigation after a dispute under 15 U.S.C. 1681i.

Correct or delete inaccurate or unverifiable information as required by 15 U.S.C. 1681s-2 ( b ).

The consumer previously submitted a written dispute to all three credit bureaus and the furnisher ( XXXX XXXX XXXX ) on or about XX/XX/ 2025. To date, no adequate resolution has been provided. The tradeline remains inconsistent, and the negative impact on the consumers credit score is ongoing. 

We request that this inaccurate reporting be corrected immediately across all credit bureaus, with all late payments removed unless properly verified and reported consistently. If they can not verify the accuracy uniformly, the information must be deleted. 

Supporting documentation is available upon request, including screenshots of each bureaus reporting and the dispute letters sent.

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

Complaint narrative:
I am filing this complaint on behalf of the consumer regarding inaccurate, inconsistent, and misleading reporting of a XXXX XXXX XXXX auto loan across all three credit bureaus ( XXXX, XXXX, and TransUnion ), in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX has been reporting different payment histories to each bureau for the same account : TransUnion shows 2 missed payments ( XXXX and XX/XX/2025 ). 
XXXX also shows 2 missed payments for the same months. 
XXXX, however, shows only 1 missed payment ( XX/XX/2025 ). 

Despite this, all three bureaus report the account as Currently on-time, which is misleading given the recent delinquencies. Additionally, XXXX  displays a comment stating : Completed investigation of FCRA dispute consumer disagrees, yet the account remains inaccurately marked with late payments, and no correction was made. 

This inconsistency demonstrates a failure to : Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Conduct a proper reinvestigation after a dispute under 15 U.S.C. 1681i.

Correct or delete inaccurate or unverifiable information as required by 15 U.S.C. 1681s-2 ( b ).

The consumer previously submitted a written dispute to all three credit bureaus and the furnisher ( XXXX XXXX XXXX ) on or about XX/XX/ 2025. To date, no adequate resolution has been provided. The tradeline remains inconsistent, and the negative impact on the consumers credit score is ongoing.

We request that this inaccurate reporting be corrected immediately across all credit bureaus, with all late payments removed unless properly verified and reported consistently. If they can not verify the accuracy uniformly, the information must be deleted.

Supporting documentation is available upon request, including screenshots of each bureaus reporting and the dispute letters sent.

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 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I submitted multiple requests to Firstmark Services for verification of a student loan tradeline they are servicing and reporting to credit bureaus. I specifically requested legal documentation showing the full chain of assignment from the original creditor to XXXX or XXXX XXXX. They have only ever provided a copy of a promissory note, which is not proof of current ownership or enforceability. 

On XX/XX/year>, I received a response to my CFPB complaint that ignored the specific issue I raised. Instead of providing any legal proof of ownership or assignment, they stated they are not obligated to provide anything further and attempted to discredit my dispute by calling it a scam theory. This is dismissive, coercive, and avoids addressing their legal obligation under the FCRA and FDCPA to verify and substantiate a debt they continue to report as delinquent. 

I am requesting the CFPB require XXXX to provide proper verification or remove the tradeline, and that they be investigated for continuing to report unverifiable information in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 



FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2025-08-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date: XXXX XXXX XXXX XXXX XXXX XXXX am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act (FCRA) related to the reinsertion of previously deleted information in my credit report. Section 611(B) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. XXXXBackground On [deletion date], the following information was removed from my credit report: \n\n Capital one  Account Number: XXXX XXXX XXXX XXXX XXXX Account Number: XXXX XXXX XXXXRecently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. XXXXSpecific Violations According to Section 611(B) of the FCRA, any reinsertion of deleted information must be accompanied by:  Written notification to the consumer within five business days of the reinsertion.  Certification from the information provider indicating that the information is complete and accurate. In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA. XXXXRequest for Immediate Action I kindly request that you:  Immediately remove the reinserted information from my credit report.  Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.  Take necessary measures to prevent future improper reinsertions. Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau (CFPB) and consider other legal actions if this situation is not adequately and promptly addressed.'

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 2025-08-04 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: NC

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 XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA XXXX ), XXXX XXXX XXXX, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, XXXX XXXX XXXX ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

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 2025-08-04 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: NC

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 2025-08-04 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/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 2025-08-04 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:
Sometime in XXXX I seen that a XXXX XXXX XXXX account had been added to my report. I did not authorise that account to be opened so I called chime customer support and I was told there is nothing they can do and that I could only file a report with the credit bureaus I did that and upon speaking with a representative with transunion and equifax and XXXX I was told I would have to file a identitys theft report with the FTC and send it to each bureaus and include proof of address with identification. This is my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CT

Complaint narrative:
I just filed the complaint today on the XXXX XXXX XXXX XXXX in which XXXX  put me in serious decency which is not right.

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