vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I received a copy of my credit report and noticed a lot of inaccuracies and improper use of my credit report. The inaccuracies have been detrimental to my financial well-being. I sent a letter to the credit bureau 's back in XX/XX/year> but did not receive a response, so I sent another letter by certified mail in 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 non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Experian is currently reporting a late payment for XXXX XXXX account ending in XXXX ) with a date of XX/XX/year>, despite the fact that the account has a balance and past due amount of {$0.00}. This contradiction raises serious questions about the validity and accuracy of the reporting. If no payment is owed, the account can not logically be marked as late. This type of erroneous reporting not only undermines the integrity of my credit report but also suggests that Experian is failing to uphold its duty to ensure the information on file is complete and correct. 

Experian has a legal responsibility under 15 U.S.C. 1681e ( b ) to employ reasonable procedures to ensure accuracy and under 15 U.S.C. 1681i to conduct timely reinvestigations of disputed data. The presence of a late payment with no actual delinquency constitutes misinformation that may be due to internal system errors or unresolved impacts of prior data breaches. It is unjust for my financial reputation to be negatively affected by such inaccuracies, and the harm this false reporting causes to my creditworthiness is both measurable and unfair.

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 2025-05-23 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-23 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a follow-up complaint to ensure that all three credit bureausTransUnion, XXXX XXXX XXXX properly reinvestigating and verifying the legitimacy of multiple charge-off accounts currently reporting on my credit reports. These entries include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX with a balance of {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX for {$37000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX with a balance of {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX for {$2700.00}. 

Despite disputing these entries, the bureaus have continued to report them without supplying clear, verifiable documentation that proves these debts are legitimate, accurately reported, or legally enforceable. The FCRA mandates that credit bureaus must verify the accuracy and completeness of any disputed information and remove anything that can not be fully substantiated. The presence of charge-offs with {$0.00} balances, along with duplicate XXXX accounts, is a clear red flag that either poor data handling or systemic reporting errors are occurring. Given the scale of modern data breaches and the prevalence of compromised consumer records, it is no longer acceptable for the bureaus to take reported items at face value without first securing original documentation from furnishers.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), all consumer reporting agencies are required to conduct a reasonable reinvestigation of any item in a credit report that is disputed by the consumer. In addition, 15 U.S.C. 1681e ( b ) mandates that the bureaus maintain maximum possible accuracy in the information they report. If any of these accounts were reported without the furnishers providing a full paper trailincluding contracts bearing my signature, billing histories, and documentation proving delinquencythen these items should not be appearing on my 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 non-monetary relief
Consumer complaint received 2025-05-23 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, as required by law, I was not provided with a statement 21 days prior. Therefore, no late payments should be recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on XXXX. '' XXXX. Late Payment ( Open ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice will also be submitted to the Consumer Financial Protection Bureau XXXX CFPB ), XXXX XXXX XXXX XXXX and my State Attorney General. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Experian is currently reporting two charge-off accounts from XXXX XXXX that are inconsistent and lacking critical substantiation. The first account, XXXX XXXX XXXX XXXX XXXX is listed as charged off on XX/XX/XXXX for {$2900.00}, and the second, XXXXXXXX XXXX XXXX XXXX XXXX is marked as charged off on XX/XX/XXXX for {$1100.00}. These entries have remained on my file despite prior attempts to dispute their accuracy and obtain clear documentation that validates their inclusion. Experian has not provided proof that these accounts are accurate, complete, or verifiable using the standards required under the FCRA. 

As defined in 15 U.S.C. 1681e ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. When charge-offs are reported without supporting documents such as original agreements or clear transaction records, especially in light of widespread data security concerns, it calls into question whether Experian is fulfilling this legal obligation. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates a thorough reinvestigation of disputed items, which must result in deletion if the information can not be verified.

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 2025-05-23 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: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/2025, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 

These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This marketing company charged my account for {$2500.00} which I never authorized nor had any service with them, I asked the bank if they have any proof of contract or receipt or document that they requested from the seller and the bank told me they had nothing, that according to them the bank said I did authorize that purchase and that is not true, I requested the seller 's documents from the bank and the bank refuses to open or reopen the case, this transaction is fraud since I never gave any information to the online seller and they also did not give me any service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c- 2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9800.00} - XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Balance Owed : {$530.00}

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 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter of verification to validate this debt on XX/XX/year>. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX with the account number XXXXXXXX XXXX XXXX with the account number XXXX, XXXX XXXX XXXX XXXX XXXX with the account number XXXX, XXXX XXXX with the account number XXXXXXXX XXXX XXXX with the account number XXXX, Hard Inquiry from XXXX XXXX, Hard inquiry XXXX XXXX. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5, they are supposed to do this ( 5 ) treatment of innacurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that has been modified or deleted from the file of the consumer. Delete accounts XXXX XXXXXXXX with the account number XXXXXXXX XXXX XXXX with the account number XXXX, XXXX XXXX XXXX XXXX  XXXX with the account number XXXX, XXXX XXXX with the account number XXXX, XXXX  XXXX with the account number XXXX, Hard Inquiry from XXXX XXXX, Hard inquiry XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XX/XX/scrub> 2025, I disputed a charged-off account from U.S. Bank reported on my XXXX  credit report with a balance of approximately {$790.00}. The account is listed as Closed by creditor and Charged Off. I submitted a formal dispute and followed up with a written request for documentation, including billing statements, payment history, and charge-off details. U.S. Bank has not provided any documentation or validation of this debt. XXXX  confirmed the account as " verified '' without supplying proof. I believe this violates FCRA 611 and 623, and I am requesting this account be fully validated or removed from my credit file.

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