vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
Dispute Reason : Inaccurate Late Payment Reporting Request for Removal Creditor : XXXXXXXX XXXX Account Number : XXXX Description of the Issue : There is inaccurate and inconsistent reporting of late payments on my XXXXXXXX XXXX XXXX account across the XXXXhree credit bureaus. The reported late payments do not reflect my actual payment history, and I am requesting that they be removed. 

Equifax reports : XXXX : 60 days late XXXX : 90 days late XXXX : 120 days late XXXX : 120 days late XXXX XXXX XXXX  report : XXXX : 30 days late XXXX : 60 days late XXXX : 90 days late XXXX : 90 days late These discrepancies raise concerns about the accuracy of the data furnished by XXXX. I am requesting a full investigation into this account and a correction by removing the reported late payments from all three credit reports. Please verify the correct status directly with XXXX and update my file to reflect an accurate and positive payment history. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dispute Reason : Inaccurate Late Payment Reporting Request for Removal Creditor : XXXX XXXX  Account Number : XXXX Description of the Issue : There is inaccurate and inconsistent reporting of late payments on my XXXXXXXX XXXX XXXX account across the three credit bureaus. The reported late payments do not reflect my actual payment history, and I am requesting that they be removed. 

XXXX reports : XXXX : 60 days late XXXX : 90 days late XXXX : 120 days late XXXX : 120 days late XXXX and Experian report : XXXX : 30 days late XXXX : 60 days late XXXX : 90 days late XXXX : 90 days late These discrepancies raise concerns about the accuracy of the data furnished by XXXX. I am requesting a full investigation into this account and a correction by removing the reported late payments from all three credit reports. Please verify the correct status directly with XXXX and update my file to reflect an accurate and positive payment history. 

Thank you for your prompt attention to this matter.

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 2025-07-15 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: IL

Complaint narrative:
Dispute Reason : Inaccurate Late Payment Reporting Request for Removal Creditor : XXXXXXXX XXXX Account Number : XXXX Description of the Issue : There is inaccurate and inconsistent reporting of late payments on my XXXXXXXX XXXX XXXX  account across the three credit bureaus. The reported late payments do not reflect my actual payment history, and I am requesting that they be removed. 

XXXX reports : XXXX : 60 days late XXXX : 90 days late XXXX : 120 days late XXXX : 120 days late TransUnion and XXXX report : XXXX : 30 days late XXXX : 60 days late XXXX : 90 days late XXXX : 90 days late These discrepancies raise concerns about the accuracy of the data furnished by XXXX. I am requesting a full investigation into this account and a correction by removing the reported late payments from all three credit reports. Please verify the correct status directly with XXXX and update my file to reflect an accurate and positive payment history. 

Thank you for your prompt attention to this matter.

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 2025-07-15 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I did not authorize the hard inquiry listed on my credit report. Under 15 U.S.C. 1681b, access to my credit file requires prior consent, which I never gave.

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 2025-07-15 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: TX

Complaint narrative:
This letter serves as my formal dispute of a collection account that does not belong to me. I did not authorize this account, nor did I incur this debt. I strongly suspect that it may be the result of mistaken or fraudulent identity use.

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 2025-07-15 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, 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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Re : Debt Validation Request pursuant to 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing to formally request validation of the alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I hereby request that you provide me with the following information : A copy of the original contract or agreement bearing my signature that created this alleged obligation. 

A complete and unbroken chain of custody showing the transfer and ownership of the alleged debt, from the original creditor to your institution, including any assignments or sales. 

A full payment history, clearly itemized, showing all credits, debits, interest, fees, or other charges claimed. 

An itemized breakdown of the total amount allegedly owed, with all interest rates, fees, and penalties disclosed. 

Documentation demonstrating your legal right to collect on this alleged debt, including any license or authority required by law. 

The name and contact information of the entity or individual who verified this debt, along with a copy of the ACDV ( Automated Consumer Dispute Verification ) record used to verify the debts accuracy. 

Please also confirm whether this alleged debt has been securitized, in whole or in part, or included in any pooled investment vehicle. 

Until you provide all of the above-requested documents and proof, I dispute this alleged debt and request that you cease any collection activity per the FDCPA. Reporting this alleged debt to any credit reporting agency without validating it would be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and I will not hesitate to pursue all available legal remedies should my rights be violated. 

Please send all requested documentation to my mailing address listed above. I expect your full compliance within 5 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information - Account Ending in XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX SSN ( last 4 digits ) : XXXX To Whom It May Concern, I am writing to dispute the accuracy and completeness of the above-referenced account appearing on my credit report. 
This account, listed by XXXX XXXX XXXX XXXX XXXX ( XXXX ), is inaccurate and unverifiable. 
XXXX has acknowledged in a written response to my complaint ( submitted via the Consumer Financial Protection Bureau ) that : The debt was purchased on or about XX/XX/XXXX. 
Their initial notification was sent around XX/XX/XXXX. 
They claim my dispute was " untimely '' and refused to provide any debt validation. 
They ceased all communication and marked the account as disputed. 
Despite my dispute, XXXX did not provide proper validation of the alleged debt ( no signed contract or itemized statement ). Therefore, under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am formally requesting that Experian : 1. Conduct a full reinvestigation of this account. 
2. Delete or correct the account if it can not be fully verified.

3. Clearly mark the account as " disputed by consumer '' if it remains.

Please provide a written response with your findings and a revised copy of my credit report. 
Enclosures : XXXX 's CFPB response letter Copy of my government-issued ID Utility bill or proof of address Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
XXXX XXXX XXXX is reporting a collection account on my credit file with an open balance of {$9400.00}. I have formally disputed this debt and requested full validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Despite this, XXXX continues to report the account without providing adequate proof that I am legally responsible for the debt.

Under FDCPA 15 U.S.C. 1692g ( a ) ( 15 ), a debt collector must provide, upon request : The amount of the debt The name of the original creditor Verification of the debt Under 1692g ( b ), if a consumer disputes the debt in writing, the collector must cease collection and verify the debt before continuing.

In this case, I requested : A full itemized breakdown of the amount they claim is owed A copy of the original loan agreement or contract bearing my signature Proof that they have legal authority to collect or report this alleged debt ( i.e., assignment or sale documents ) As of now, none of these materials have been provided. Simply restating the balance or sending generic account details is not proper verification under FDCPA or FCRA case law ( e.g., Chaudhry v. Gallerizzo, 174 F.3d 394 ). 

I believe XXXX is violating : FDCPA 809 ( b ) by failing to validate the debt FCRA 1681s-2 ( b ) by continuing to report disputed, unvalidated information to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: TN

Complaint narrative:
Debt collector named UNIFIN INC has been trying to get me to pay XXXX for something that I think that has already been resolved and it's been 7yrs maybe more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-07-15 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:
My privacy has been compromised by the presence of an unauthorized hard inquiry on my credit report. I never granted permission for this entity to access my financial information.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint because American Express is reporting an account under my name with partial account number XXXX XXXX XXXX to both XXXX and XXXX  After reviewing my credit reports, I discovered several discrepancies that American Express has failed to address or correct. 

Specifically, I identified the following conflicting data between the bureaus : Monthly payment field differs : XXXX  : {$0.00} XXXX  : {$98.00} Last reported date : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Last activity date : XXXX : XX/XX/year>XXXX XXXX XXXX XX/XX/year> Payment history XXXX XXXX  reports several late payments not shown on XXXX 

I submitted a formal debt verification request to American Express, demanding proper documentation under FDCPA and FCRA. They have failed to provide any signed contract, complete account history, or proof of required notices prior to reporting.

This inaccurate and inconsistent reporting harms my creditworthiness and may violate the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This letter is a formal dispute regarding a late payment listed on my credit report. I strongly believe that the reported delinquency is inaccurate and does not reflect my actual payment activity. I have maintained a history of responsible and timely payments, and my records confirm that this account is no exception.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
To Whom It May Concern : This letter serves as my final demand that you immediately comply with my lawful request for my consumer disclosure report.

As of today, I have submitted multiple properly authenticated requests for my LexisNexis consumer report, including an online request where I provided all necessary identifying information : my full legal name, current and previous addresses, Social Security number, and drivers license information.

Despite fully complying with your stated requirements, I have repeatedly received letters most recently your letter dated XX/XX/2025 demanding that I complete and return yet another authentication form, along with additional identification documents. Your repeated and unnecessary demands constitute a willful obstruction of my rights and are unlawful. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ( a ) ), you are required to provide a clear and complete disclosure of all information in a consumers file upon request and proper identification. I have already met these conditions. Further, under 15 U.S.C. 1681j, I am entitled to obtain one free copy of my consumer report every 12 months without unreasonable procedural hurdles. 
Additionally, under 15 U.S.C. 1681n, your willful noncompliance exposes you to statutory damages, punitive damages, and attorneys fees.

Moreover, under 12 U.S.C. 5531 ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ), it is unlawful for a covered person to engage in any unfair, deceptive, or abusive act or practice ( UDAAP ) in connection with consumer financial products or services. Your continued refusal to provide my report despite repeated valid requests is not only unfair but also abusive and potentially deceptive, as it denies me critical information needed to understand and protect my financial profile. 
I formally demand that you immediately produce and deliver my full consumer disclosure report to me within 15 days of your receipt of this letter, without any further delay or extraneous authentication requests. 
Failure to comply will result in immediate formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) under 12 U.S.C. 5531 and 5536, as well as with the Federal Trade Commission ( FTC ). Furthermore, I will pursue all legal remedies available to me, including a civil action for statutory and punitive damages under 15 U.S.C. 1681n. 
I have documented every request and all correspondence, including your XX/XX/2025, letter, as evidence of your repeated noncompliance. 
This is your final opportunity to resolve this matter amicably. 
I expect your full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
I recently obtained a copy of my credit report and noticed a hard inquiry from a company I have never interacted with. I did not authorize this inquiry, nor did I apply for credit with this entity.

Company response to consumer: Closed with non-monetary relief