vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: LA

Complaint narrative:
The Deletion or Blocking of Accounts due to potential unauthorized inquiries is governed by FCRA Section 604 [ 15 U.S.C. 1681b ], which outlines permissible consumer report purposes. I am writing to formally dispute the accounts on my consumer credit report mentioned below, resulting from potential fraud or potential unauthorized activity. I request concrete evidence with my valid signature/electronic signature. This letter represents my complaint, emphasizing the potential violation of my consumer rights under the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. These actions appear to have been initiated without proper validation or original proof from the reporting companies, a matter I have also addressed directly with said companies. 

TRUEACCORD C - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
My Equifax credit report contains multiple accounts showing inaccurate late payment notations, even though each of these accounts either shows a XXXX balance or was paid and closed in good standing. These false delinquencies misrepresent my payment history and have negatively affected my credit profile. The following accounts are being reported incorrectly : 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  - Balance & Past Due : {$0.00} Each of these accounts shows no past-due balance, yet Equifax continues to reflect late payments without providing documented proof of delinquency. I have reviewed my records and confirmed that no such missed payments occurred. This inaccurate reporting violates my rights under the Fair Credit Reporting Act, which requires all furnished information to be accurate, verifiable, and complete. 

Equifaxs prior dispute responses failed to include any verifiable evidenceonly a vague statement that the information was verified. That does not meet the legal standard for reinvestigation, which requires Equifax to obtain and review documentation from the furnisher supporting the claimed delinquency. Continuing to report these late payments without evidence constitutes negligent or willful noncompliance under 15 U.S. Code 1681n. 

These inaccuracies have caused measurable harm to my credit standing and created unnecessary financial strain by lowering my score and affecting credit decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, XXXX  ( company that sends the escrow check for property taxes on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX failed to pay taxes on ny home with the escrow in my acct. Called 20 plus times to the VA with no resolve. They also failed to respond to any mail from myself or the XXXX XXXX sheriff 's office ( taxes ). On XX/XX/XXXX, my property was sold at auction because of the unpaid taxes. I have since called over and over to sherrifs office and VA to get this matter resolved with no action taken or responsibility takes from the VAXXXX XXXX called XXXX XXXX XXXX on XX/XX/XXXX stating they would have them a check by XX/XX/XXXX. They did not recieve the check and no correspondence since. I cant get any where with the VA. They have failed my family and myself with their negligence and I have had my property sold at auction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX  - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXXS DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX UNKNOWN # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my XXXX well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I already had identity theft on my account for one loan and this debt have no knowledge of at all nor whose it from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
Dear CFPB I am writing to formally dispute inaccurate information that has been reported on my credit file regarding my [ credit card name and/or last four digits of the account number ]. 

In XX/XX/XXXX, I experienced financial difficulties and enrolled this account in a hardship program. At that time, I was clearly informed that my payments would be adjusted and that no negative reporting would occur while I was in the program. Although I was not initially told that the account would be closed, I later learned it was and I accepted that. 

However, approximately nine months later, around XX/XX/XXXX, a late payment was reported on this account. This reporting is inaccurate for several reasons : 1. The account was closed in XX/XX/XXXX and therefore could not have been late. 
2. The account was enrolled in a hardship program, during which late payments should not have been reported.

3. I paid the remaining balance in full once I was informed there was an outstanding amount.

I contacted your customer service team about this issue and was told that I would receive a letter confirming the reporting error, but I never received that letter. The incorrect late payment remains on my credit report, which is now affecting my ability to qualify for a home loan for my family.

I am requesting that this matter be reviewed and that the inaccurate late payment entry be removed immediately. The account should be accurately reflected as closed and paid, or listed under a hardship program with no delinquencies reported.

Please confirm in writing once the correction has been made. I have attached supporting documentation for your review. The credit card was a fit credit card and I dont remember the other credit card.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, Maryland XXXX SS # XXXX Companies nameCONTINENTAL financial phone numberXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
CFPB XXXX XXXX paste ) : 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 is unverifiable across bureaus. TU shows no grid with XXXX ; XXXX  shows XXXX ; XXXX  shows CO/closed with no grid. Conflicts : High Balance ( {$1900.00} vs {$0.00} ), Credit Limit ( {$1500.00} vs {$0.00} ), Date Opened ( XX/XX/XXXX vs XX/XX/XXXX ), Date Reported ( XX/XX/XXXX vs XX/XX/XXXX ) ; XXXX add sale remarks. Relief : delete if DOFD, complete payment grid/ratings, charge-off memo, and ( if sold ) chain-of-title can not be produced ; otherwise correct all fields to XXXX and provide a written MOV.Required MethodofVerification ( MOV ) deliverables to sustain reporting : Recorded Date of First Delinquency ( DOFD ) used for obsolescence/CO, with source docs. 
Payment History Profile ( full 2yr grid ) and Payment Ratings showing late progression supporting any CO.

Original signed agreement ( or admissible esignature proof ) and monthly statements covering the delinquency period.

Chargeoff memorandum or internal writeoff records identifying CO date and accounting treatment.

If sold/assigned : chainoftitle ( buyer names/dates, any repurchase/recall ) and confirmation OC reports {$0.00} with sold/transferred remark across all CRAs. 
Exact XXXX XXXX data furnished ( base segment + remarks + any Compliance Condition Code ) for months surrounding the CO.

Complete XXXX/eOSCAR audit trail and the furnishers full reinvestigation response to the CRA for this cycle.

Requested outcome ( timesensitive ) : If any disputed element can not be substantiated with the above documentary evidence, please delete the affected tradeline ( s ) from all consumer reports immediately.

Otherwise, correct all fields to conform with XXXX XXXX and provide a written, meaningful MOV referencing the exact documents relied upon. Given ongoing harm, I request results within 5 business days.

Reservation of rights / spoliation notice : I reserve all rights and remedies. Please preserve all relevant records, including XXXX XXXX, internal notes, recordings, system logs, and thirdparty vendor data. 
Enclosures : ID ; proof of address ; prior dispute packets and delivery proofs ; Addendum A ( Discrepancy Grid ) ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my XXXX well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect 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 explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX 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 2025-11-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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