vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXX, XXXX XXXX LL XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer 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 2025-10-13 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: CA

Complaint narrative:
Despite paying the account in full, its still being reported with late remarks.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made a small deposit of {$18.00} into my chase bank account from XXXX  to buy some food for the night, about an hour later I get a notification saying that my account is locked for suspicious activity .. so im really confused at this point because im scared someone has access to my funds, so i call the bank and i get someone on the line and they said they the bank decided to close the account because they just cant maintain the account anymore and they cant tell me why because its confidential but its my account so why is it confidential?? So I request the fraud team but they were closed at the time so I went to bed and decided Ill just call the next morning. The next morning finally comes and I call the bank and got through to the fraud department, they basically told me the same thing as the other agent that I spoke with a night before but this time they said that my direct deposit actually did hit the account and they have to close the account and they will mail my funds .. they still arent answering any questions at this point so I disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-10-13 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
Upon reviewing my Equifax report, my XXXX XXXX ( XXXX XXXX ) account ( Acct # : XXXXXXXX XXXX XXXX ) is showing a XXXX late payment in 2024 even though the account is open, active, and paid as agreed with {$0.00} past due. XXXX reflect the account as current, so this appears inaccurate and unverifiable. This violates FCRA 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 reviewed my credit reports and noticed that my closed auto loan with XXXX XXXX is still showing late payment notations even though the account was paid in full and closed on XX/XX/year>. The loan was fully satisfied, carries a {$0.00} balance, and has not been active since the date of closure. 

These late payment marks are outdated and unverifiable, as the account has been closed for more than three years and there has been no recent activity or delinquency. Reporting old late payments from a paid and closed account continues to damage my credit profile unfairly. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and under 1681i ( a ) they must investigate and correct or delete any information that can not be verified. Additionally, since the account is paid and no longer active, continued reporting of delinquencies serves no legitimate purpose and misrepresents the current status of the account. 

I am requesting a full investigation into the reporting of these late payments and verification from XXXX XXXX. If no verifiable documentation of delinquency can be provided, these late payment notations should be removed and updated to Paid as Agreed, Never Late ( PAANL ).

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 2025-10-13 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:
I reviewed my credit reports and noticed that my closed auto loan with XXXX XXXX is still showing late payment notations even though the account was paid in full and closed on XX/XX/year>. The loan was fully satisfied, carries a {$0.00} balance, and has not been active since the date of closure. 

These late payment marks are outdated and unverifiable, as the account has been closed for more than three years and there has been no recent activity or delinquency. Reporting old late payments from a paid and closed account continues to damage my credit profile unfairly. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and under 1681i ( a ) they must investigate and correct or delete any information that can not be verified. Additionally, since the account is paid and no longer active, continued reporting of delinquencies serves no legitimate purpose and misrepresents the current status of the account. 

I am requesting a full investigation into the reporting of these late payments and verification from XXXX XXXX. If no verifiable documentation of delinquency can be provided, these late payment notations should be removed and updated to Paid as Agreed, Never Late ( PAANL ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of late payments on my credit report, which continues to reflect late payments despite my consistent, timely payments. These inaccuracies are negatively affecting my credit profile, and I request immediate correction under the Fair Credit Reporting Act ( FCRA ), Sections XXXX, XXXX, and XXXX, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate TransUnion to investigate disputed information and correct inaccuracies. 
XXXXXXXX XXXX  XXXX XXXX * * * * * * * * * * Balance Owed : {$XXXX XXXX XXXX * * * * * Balance : {$3900.00}

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 2025-10-13 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 submitting to formally dispute the inaccurate reporting of late payments on my credit report, which continues to reflect late payments despite my consistent, timely payments. These inaccuracies are negatively affecting my credit profile, and I request immediate correction under the Fair Credit Reporting Act ( FCRA ), Sections XXXX, XXXX, and XXXX, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate TransUnion to investigate disputed information and correct inaccuracies. 
XXXXXXXX XXXX  XXXX XXXX * * * * * * * * * * Balance Owed : {$XXXX XXXX XXXX * * * * * Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
On XXXX XXXX I noticed Credence resource management place an open collection on my credit report, which said it was open 4 months ago ( XX/XX/year> ). I have no knowledge of this Credit nor opening a XXXX around that time. I asked for this credit to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding an account being reported by Diversified Adjustme that appears on my credit report. The account information is as follows : Creditor Name : Diversified Adjustme Reported Balance : {$420.00} Date Opened : XX/XX/year> Reported Status : Open I do not have any knowledge of or association with this account, nor have I ever entered into any agreement with this company. I believe this account has been reported in error or may be the result of identity theft or unauthorized data sharing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that I believe is inaccurate or that I did not authorize. Additionally, under 15 U.S.C. 1681b of the FCRA, my personal information may not be shared with third parties without a permissible purpose. I have never provided consent for Diversified Adjustme or any affiliated company to access, use, or report my personal or credit information.

I request that : 1. The CFPB conduct an investigation into this matter and contact Diversified Adjustme to require proof of my authorization or signed agreement ; and 2. If no such authorization or contractual documentation exists, that this account be removed immediately from all credit bureau reports and that Diversified Adjustme cease all further reporting or collection activity related to my name or personal information.

Thank you for your time and assistance. I look forward to receiving confirmation that this matter has been investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 am filing a complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( b ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

TransUnion reinserted two previously deleted charge-off accounts into my credit report without proper certification from the furnishers and without notifying me in writing within 5 business days, as required by law. 

The accounts involved are : XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account No. XXXX Both accounts had been deleted after prior disputes, but later reappeared in my TransUnion report without any certification of accuracy or written notice of reinsertion. I never received any communication from TransUnion confirming that these accounts were being reinserted or providing the documentation required by FCRA Section 611 ( b ). 

This unauthorized reinsertion has caused harm to my credit profile and violates my rights under federal law. I am requesting that the CFPB investigate this matter and require TransUnion to immediately remove these reinserted accounts and provide documentation of compliance with FCRA reinsertion procedures

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit report has 12 names attached, 20 addresses and most I never lived. Also my accounts were sold and my information was fraudulently given to collection agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
My credit report has 12 names attached, 20 addresses and most I never lived. Also my accounts were sold and my information was fraudulently given to collection agencies

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, loan payment letter was sent to my old address from. Which all student loans in my XXXX portal were paid in full. I had no knowledge this specific XXXX loans sold to another servicer. Because of that i was not notified or given a portal to see what is due or even acknowledge there is still an existing loan in my name or else i would have paid that in full also. 

Student loan payment sent to XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX on XXXX XXXX XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX CT XXXX my current address AND had no correspence there was still student loans outside of my XXXX account. 

As of today i am still not sure how to pay this debt off outside of sending a paper check due to any communication in regards to creating a user profile for where there loans reside, showing evidence of the lack of communication on the servicers part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am sending to formally request that you block specific information appearing on my TransUnion credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section XXXXB of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 
The following item must be blocked immediately : XXXX & XXXX XXXX Bank XX/XX/year>XX/XX/XXXXXX/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 2025-10-13 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX & XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite paying the account in full, its still being reported with late remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am filing a complaint against Equifax and XXXX XXXX XXXX XXXX XXXX for illegally continuing to report monthly charge-off notations on a closed account. 
The account XXXX XXXX XXXX  XXXX XXXX Account # XXXX was closed on XX/XX/XXXX, yet Equifax continues to report new CO ( charge-off ) codes into XXXX and XXXX, long after closure. Once an account is charged off and closed, continuing to furnish it as a fresh monthly charge-off is considered re-aging and is a direct violation of FCRA 605 ( c ).

Reporting ongoing CO codes implies the account is still being charged off monthly, which is misleading, punitive, and not the original delinquency event, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 602 ( A ). A charge-off is a one-time status, not a recurring event.

I am requesting that this account be completely deleted from my Equifax credit file, as XXXX XXXX has no lawful basis to continue furnishing new derogatory updates on a closed charge-off account, and Equifax has failed to ensure accurate reporting under FCRA 611 ( a ). 
If XXXX XXXX and Equifax can not provide certified ledger records showing lawful basis for each CO code after closure, the entire tradeline must be deleted immediately as non-verifiable and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
On XX/XX/year> I noticed that XXXX XXXX XXXX is placing a collection on my report for {$25000.00}. The account status says open but it also states that is a profit and its a write off. Ive tried to asked the for the original contract they have not mailed me that. An to removed this credit due to the an accuracy of the account and that hasnt happen either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXXXXXX XXXX  # XXXX * * * * * Date Opened XX/XX/XXXX - Balance {$19000.00} ACCOUNT NAME XXXXXXXX XXXX  # XXXX * * * * Date Opened XX/XX/XXXX - Balance {$3300.00} ACCOUNT NAME XXXXXXXX XXXX # XXXX * * * * Date Opened XX/XX/XXXX - Balance {$3300.00} ACCOUNT NAME XXXXXXXX XXXX # XXXX * * * * * * * * Date Opened XX/XX/XXXX - Balance {$2900.00} ACCOUNT NAME XXXXXXXX XXXX # XXXX * * * * * * * * Date Opened XX/XX/XXXX - Balance {$17000.00} ACCOUNT NAME XXXX XXXX # XXXX * * * * * * * Date Opened XX/XX/XXXX - Balance {$9900.00} ACCOUNT NAME XXXX # XXXX * * * * * * * Date Opened XX/XX/XXXX - Balance {$0.00} ACCOUNT NAME XXXX # XXXX * * * * * * Date Opened XX/XX/XXXX - Balance {$0.00} ACCOUNT NAME XXXX # XXXX * * * * Date Opened XX/XX/XXXX - Balance {$9200.00} ACCOUNT NAME CBA # XXXX * * * * * * Date Opened XXXX Balance {$430.00} UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief