vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
I am filing this complaint against Equifax, Experian, and TransUnion regarding their continued failure to properly investigate and correct multiple inaccuracies on my credit reports. 

On XX/XX/XXXX, I submitted a formal dispute with all three bureaus, including complete supporting documentation, to challenge the accuracy of several accounts and inquiries. Despite this, the bureaus responded by stating the disputed items were verified, yet failed to provide the legally required method of verification under XXXX XXXX. XXXX ( a ) ( XXXX ). 

The disputed accounts are : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX The disputed inquiries are : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 I specifically requested the following information from each bureau : The exact procedures used to verify the accuracy of each disputed item.

The name, title, and contact information of the individual ( s ) or entities contacted during the investigation.

Copies of any documentation used to verify the disputed items.

To date, none of the bureaus have provided this required information. This is a direct violation of 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( requirement to delete unverifiable information ).

If the bureaus can not verify the accuracy of these items with proper documentation, they are legally required to delete them. Instead, they have maintained inaccurate and unverifiable information on my credit reports.

This is now the second month I have been trying to resolve this issue. As I have stated in every letter sent over the past few months, I personally submitted these disputes and attached all proper documents. Despite this, the bureaus have falsely claimed that an unauthorized third party is involved, which is entirely untrue and appears to be an attempt to avoid proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-12 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: CA

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item XXXX have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 


Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-08-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>2023 my identity was compromised and unauthorized cryptocurrency charges ( ~ {$8000.00} ) hit the account ; with fees/interest the reported balance is now over {$10000.00}. I reported the fraud to XXXX  and provided a police report, FTC Identity Theft Report, ID, and proof of address. Despite this, XXXX continues furnishing a charged-off balance and delinquencies based on those unauthorized transactions, and the bureau is reporting them. The balance, payment history, and charge-off status are inaccurate because the disputed amount is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Honestly Ive been trying to get this XXXX taken care of but lets be b honest Ive been on some sick ones if you know you know since like I got out of the joint which was like 2012 but even then Id still go on tour and XXXX then go right back to the joint to either dry out mostly for me anyways look all Im saying is Im out again XXXX XXXX XXXX a XXXX  homeless Im jus trying to do the right thing without having to lay on my back whatever numerous breaches my info was used stolen etc

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 2025-08-12 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: UT

Complaint narrative:
Honestly Ive been trying to get this XXXX taken care of but lets be b honest Ive been on some sick ones if you know you know since like I got out of the joint which was like 2012 but even then Id still go on tour and XXXX then go right back to the joint to either dry out mostly for me anyways look all Im saying is Im out again XXXX XXXX XXXX a XXXX  homeless Im jus trying to do the right thing without having to lay on my back whatever numerous breaches my info was used stolen etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to accurately and completely report account information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the XXXX XXXX Credit Reporting Standards.

The accounts in question are XXXX XXXX XXXX XXXX XXXX Account Ending XXXXXXXX XXXX  XXXX XXXX XXXX Account Ending XXXX Both accounts are being reported with inconsistent and factually impossible data, including : Date of Last Activity listed as XX/XX/XXXX, yet derogatory payment status codes are being reported as late as XXXX. 

Date Closed listed as XX/XX/XXXX, but negative payment history continues to be reported years after closure. 

These conflicts violate XXXX XXXX guidelines, which prohibit post-closure payment updates unless an account is reopened. 

In their letters dated XX/XX/XXXX, Equifax stated these accounts were verified as accurate despite my providing proof of these contradictions. 

Equifaxs own written communications show they did not perform a reasonable reinvestigation as required under FCRA 1681i ( a ), and instead re-used prior verification results from the furnisher without resolving the clear inconsistencies.

The attached evidence bundle includes : Screenshots and excerpts from my credit file showing the conflicting dates.

Equifax dispute results and letters admitting they verified the inaccurate dates.

Equifaxs continued reporting of these accounts, without correcting the verifiable errors, is misleading, damaging to my creditworthiness, and constitutes willful noncompliance under FCRA 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted
reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX 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} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX 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 : {$2600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX  LLC- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : XXXX  XXXX XXXX Inaccurate/Inconsistent Reporting and Illegal Reinsertion of Previously Removed Late Payments Complaint : I am filing this complaint to report inaccurate, inconsistent, and unlawful credit reporting by XXXX XXXX XXXXXXXX regarding my account ending in XXXX. This account is paid as agreed and should not be reporting negatively. Additionally, XXXX  XXXX XXXX has reinserted late payments that were previously removed, without providing the required notice, in direct violation of the Fair Credit Reporting Act ( XXXX  ). 

Facts and discrepancies from my credit reports : Account Status Equifax : Positive Experian : Positive TransUnion : Negative Date of Last Activity / Last Payment Different across bureaus ( Equifax/Experian show XX/XX/XXXX, TransUnion shows XX/XX/XXXX ). 

Past Due reporting TransUnion shows XXXX XXXX late in XX/XX/XXXX, while Equifax/Experian show OK for the same period. 

Payment History Conflicts TransUnion shows a XXXX late mark in XX/XX/XXXX, which had previously been removed after a dispute, now reinserted without notification. 

Equifax and Experian both show OK for XX/XX/XXXX. 

Inconsistent Last Reported dates across bureaus ( XX/XX/XXXX vs XX/XX/XXXX ). 

Laws Violated FCRA ( XXXX U.S.C. XXXX et seq. ) : XXXX ( b ) Failure to maintain maximum possible accuracy. 

XXXX ( a ) Failure to conduct a reasonable reinvestigation after a dispute. 

XXXX ( a ) ( XXXX ) ( B ) Illegal reinsertion of previously deleted information without : Certifying the accuracy of the information to the CRA, and Providing written notice to the consumer within XXXX business days of reinsertion. 

XXXX ( a ) ( XXXX ) ( A ) Furnishing information known or should be known to be inaccurate. 

XXXX ( a ) ( XXXX ) Duty to update and correct information so it is not misleading. 

XXXX ( b ) Duty to investigate and correct after receiving notice of dispute from a CRA. 

Regulation V ( XXXX C.F.R. XXXX XXXX XXXX ) : XXXX ( b ) Duty to have reasonable policies to ensure accuracy and integrity of furnished data. 

XXXX Duties upon direct dispute, including correcting or deleting inaccurate information. 

Harm caused : Reporting of reinserted late payments is materially misleading and directly impacts my creditworthiness. 

Failure to notify me of reinsertion deprived me of the right to immediately dispute or provide evidence.

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 2025-08-12 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation