vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
To Whom It May Concern, I am filing this complaint because multiple inaccurate addresses, unauthorized inquiries, late payment reporting that never occurred, and fraudulent charge-off accounts have been placed on my credit file. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), including my right to accurate reporting, proper verification, and a complete reinvestigation. I have repeatedly tried to correct these issues but they remain, which shows a failure to maintain reasonable procedures under FCRA 1681e ( b ) and a failure to conduct a lawful reinvestigation under FCRA 1681i. These mistakes are causing harm, denial of credit, emotional distress, and financial instability. I am requesting immediate correction and deletion of all inaccurate items listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address was never mine. Reporting an address without verification violates FCRA 602A and 607 ( B ) and creates a mixed file. No documentation was provided under 611. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no relationship to this address. Keeping an unverified address violates 602A and 607 ( B ). Prior disputes were ignored with no verification under 611. 

XXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * I never made any late payments on this account. Reporting false late history violates FCRA 623 because furnishers must report complete accuracy and the bureau must maintain 602A and 607 ( B ) accuracy standards. Correct the payment history because it is inaccurate and not supported by records. 

XXXX XXXX XXXX  Date : XX/XX/XXXX This inquiry is unauthorized. No permissible purpose exists which violates 604. Remove immediately.

To conclude, all of these errors reflect a failure to maintain maximum possible accuracy, a failure to reasonably investigate, and a failure to ensure furnishers report correct information as required under federal law including FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). These issues have caused severe damage to my creditworthiness and financial opportunities. I am demanding immediate removal or correction of these inaccurate addresses, deletion of all unauthorized inquiries, correction of false late payment reporting, and full deletion of all charge-off accounts that I do not recognize. I request a full CFPB-mandated reinvestigation into each item based on federal law.

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 2025-11-19 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
XXXX. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
XXXX. 
Legal Precedent In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

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 2025-11-19 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: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
XXXX. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
XXXX. 
Legal Precedent In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IN

Complaint narrative:
i recently check my credit report i noticed i had some fraudulent account along with some inaccurate information they are affecting my ability to obtain credit.I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-11-19 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:
I am filing this complaint to address continuing inaccuracies on my credit report that have not been corrected despite multiple reinvestigation requests, and this now serves as my third formal correction notice. I am not requesting deletion or removal of any accountsonly accurate reporting in compliance with federal law. My XXXX  XXXX account ending in XXXX is being inaccurately reported with late notations of 30 days in XXXX XXXX, 60 days in XX/XX/year>, and 90 days in both XXXX and XX/XX/year>, even though the account remains open, active, and in repayment. These late marks are inconsistent with my verified payment records and violate FCRA 607 ( b ), which mandates maximum possible accuracy, as well as FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as furnishers may not report information they know or should know is inaccurate and must promptly correct any incomplete or erroneous data. This misreporting also constitutes a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) due to improper posting or misapplication of payments not caused by the consumer. Additionally, my XXXX XXXX account ending in XXXX is being inaccurately reported with repeated XXXX late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year>, even though the account is shown as active and current, which is logically contradictory and therefore unverifiable. Under FCRA 611, the credit bureau is required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information, and if the data can not be verified, it must be corrected or deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ). The ongoing presence of these conflicting late marks, despite supporting documentation previously provided, violates the purpose of FCRA 602 ( a ), which guarantees fair, equitable, and accurate reporting, and it further reflects noncompliance with the reinvestigation standards established by law. The Fair and Accurate Credit Transactions Act ( FACTA ) reinforces these obligations by requiring both furnishers and consumer reporting agencies to preserve the integrity and reliability of all reported data. Since this is my third correction request, I am specifically asking that the reinvestigation be conducted through full human review rather than through automated systems, and that the bureau directly contact the furnishers to confirm payment history through verifiable internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-19 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:
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 XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Nordstrom Card Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Nordstrom Card Services XXXX  of XXXX  with a balance of {$4800.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint and my XXXX XXXXXXXX utility bills to verify my correct residential address at the time of this unauthorized account being opened as proof from the US Federal Trade Commission that the aforementioned consumer credit account, collection, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am submitting this Complaint to dispute regarding multiple inaccurate, conflicting, unauthorized, and unverifiable inquiries appearing on my credit reports across Experian, Equifax, and TransUnion, which are negatively affecting my creditworthiness and violating several provisions of the Fair Credit Reporting Act ( FCRA ). 
Experian is reporting inquiries including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX none of which I authorized or which are inaccurately dated. 
Equifax shows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, while TransUnion reports XXXX XXXXXX/XX/XXXX, again without my authorization. The presence of these inquiries violates 604 ( a ) ( 3 ) ( A ) ( permissible purpose requirement ), 1681b ( f ) ( requiring consumer authorization ), and 1681e ( b ) ( requiring maximum possible accuracy in reporting ).

The conflicting and unauthorized reporting across bureaus further constitutes violations of 611 ( a ) ( right to reinvestigation of disputed items ), 1681s-2 ( a ) ( 1 ) ( A ) ( requiring furnishers to report accurate information ), and 1681s-2 ( a ) ( 2 ) ( requiring prompt correction of errors by furnishers ) .These discrepancies also reflect failures under 1681c ( removal of unverifiable negative information ), 1681j ( accurate consumer identification ), and 1681k ( consistency of addresses and account data ). Repeated reporting of these inaccurate inquiries constitutes both wilful and negligent violations under 1681n and 1681o, exposing the bureaus and furnishers to potential civil liability.

Additionally, the failure to properly verify and remove these inquiries, which I did not authorize, violates 607 ( b ) ( mandating accurate reporting ) and 615 ( a ) ( prohibiting adverse actions based on inaccurate or unverified information ). The continued presence of these inaccurate inquiries not only misrepresents my credit profile but can result in financial harm, including a lower credit score, which is a direct violation of the FCRAs consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am submitting this Complaint to dispute regarding multiple inaccurate, conflicting, unauthorized, and unverifiable inquiries appearing on my credit reports across Experian, Equifax, and TransUnion, which are negatively affecting my creditworthiness and violating several provisions of the Fair Credit Reporting Act ( FCRA ). 
Experian is reporting inquiries including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX none of which I authorized or which are inaccurately dated. 
Equifax shows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, while TransUnion reports XXXX XXXXXX/XX/XXXX, again without my authorization. The presence of these inquiries violates 604 ( a ) ( 3 ) ( A ) ( permissible purpose requirement ), 1681b ( f ) ( requiring consumer authorization ), and 1681e ( b ) ( requiring maximum possible accuracy in reporting ).

The conflicting and unauthorized reporting across bureaus further constitutes violations of 611 ( a ) ( right to reinvestigation of disputed items ), 1681s-2 ( a ) ( 1 ) ( A ) ( requiring furnishers to report accurate information ), and 1681s-2 ( a ) ( 2 ) ( requiring prompt correction of errors by furnishers ) .These discrepancies also reflect failures under 1681c ( removal of unverifiable negative information ), 1681j ( accurate consumer identification ), and 1681k ( consistency of addresses and account data ). Repeated reporting of these inaccurate inquiries constitutes both wilful and negligent violations under 1681n and 1681o, exposing the bureaus and furnishers to potential civil liability.

Additionally, the failure to properly verify and remove these inquiries, which I did not authorize, violates 607 ( b ) ( mandating accurate reporting ) and 615 ( a ) ( prohibiting adverse actions based on inaccurate or unverified information ). The continued presence of these inaccurate inquiries not only misrepresents my credit profile but can result in financial harm, including a lower credit score, which is a direct violation of the FCRAs consumer protections.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Added service that I had no knowledge of until I paid the last payment. The product states that they will not return the money for this product. I never was told about this product at the time I received the loan. I was told that my loan would be finished in XX/XX/year> every time I checked my balance. When I checked my balance in XXXX about the last payment they informed me of this additional payment {$230.00} and I would have this payment in XXXX.

Company response to consumer: Closed with explanation