vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My personal information was sent to credit bureaus which violates 18 U.S.C. 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America mishandled my money and claims its due to a non posted transaction for {$430.00} but I had over XXXX XXXXXXXX XXXX in that account and I was overdrawn for that amount.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was sent to credit bureaus which violates 18 U.S.C. 1028A.

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 2025-12-16 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: FL

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I activated a new debit card for my checking account. On XX/XX/XXXX, I noticed and reported an unrecognized charge on my debit card statement for XXXX  XXXX XXXX XXXX FL amounting to {$81.00}. The representative for Capital One marked my card as stolen, filed a claim, processed a provisional refund, then I received a new card on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email that my claim was denied. I called customer service and the representative told me that since " the card was in my possession, '' that it didn't count as fraud. I don't understand this reasoning. I have never purchased XXXX  or " XXXX  '', there is no website to report this transaction because there is no such company as " XXXX. '' I've looked into this and this is likely a XXXX  ATM located in XXXX that I did not use. I live in XXXX and all of my transactions around this date are in the XXXX XXXX XXXX. Although the physical card was in my possession, I very evidently did not make this purchase and in some manner, someone used my card information to make this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV funding did not send me written notification before placing this to my credit file. I dont care what they say! Of course they are lying to protect themselves from being in trouble! Im getting sick of their tactics and lies so they can get away with out sending me written notification giving me a chance to dispute it. This is their trickery so they wont have to remove this off my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
DeaXXXX XXXX, I am writing to file a formal dispute regarding the following items reported by the three major credit bureaus : Equifax, I have outlined the accounts in dispute under the appropriate categories below. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$210.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$6600.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$650.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$21000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$770.00} XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX, XXXX, XX/XX/XXXX, {$3900.00} LATE PAYMENT XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I just recently looked at my credit report on XXXX  and Trans Union XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. I also attached evidence 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 2025-12-16 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. The accounts listed below contain inaccurate information that does not comply with the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts and provide me with the updated information. 

CHARGED OFF Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3200.00} INQUIRIES Account Name : XXXX XXXX  XXXX XXXX XX/XX/XXXX LATE PAYMENT Account Name : XXXX Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-16 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: MA

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I found several charged-off accounts, an inquiry, and a late payment that I believe may be inaccurate, duplicated, or not properly verified. 

* * Charged-Off Accounts in Dispute ( Equifax ) XXXX * * * XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Accounts # XXXX and # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Accounts # XXXX and # XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Some accounts appear duplicated or inconsistently reported. I am requesting Equifax to verify the accuracy, ownership, balances, and reporting status of each account. Any account that can not be properly verified should be corrected or removed. 

* * XXXX in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX  XX/XX/year> I do not recall authorizing this inquiry and request verification of permissible purpose. 

* * Late Payment in Dispute ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I dispute the accuracy of this late payment reporting. 

I respectfully request that Equifax investigate these matters and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CT

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These accounts do not accurately reflect the true status and contain discrepancies that I would like to be investigated and corrected. 

CHARGED OFF XXXX XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Ive tried exhaustingly to keep my credit above XXXX. My credit was XXXX on Equifax when ally financial services reported false and incorrect information about my loan. It drastically decrease my credit from XXXX to XXXX.... I'm in the process of purchasing a new car and this false reported information is now effecting my ability to purchase the new vehicle. I'm requesting they fix whatever it is they did to damage my credit. I've requested several times to get information as to what they did but all I get is " nothing '' ... Equifax is wrong?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Company : Online Information Services ( Online XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount Reported : {$490.00} I am filing this complaint because Online XXXX XXXX continues to report an alleged debt to the credit bureaus without providing proper validation, despite multiple written disputes. This is my third request for validation. 

Issue Summary After disputing this account twice, Online XXXX XXXX has failed to provide legally required validation, yet continues to report the account to XXXX XXXX, and XXXX. Continued reporting without validation violates federal law. 

Inaccurate and Inconsistent Credit Reporting This account is reported inconsistently across the credit bureaus, including : Dispute Status XXXX  and XXXX show the account as not disputed XXXX  shows the account as disputed Account Status XXXX  reports the account as open XXXX  and XXXX report it as closed Conflicting Remarks Different and contradictory dispute remarks appear on each bureau Conflicting Dates Different dates of last activity, date reported, and date opened are listed across all three bureaus Original Creditor Name Inconsistencies Reported differently on each bureau ( variations of XXXX XXXX of Ohio ) These discrepancies show the information being furnished is not accurate or reliable. 

Failure to Provide Validation Online XXXX XXXX has not provided : A signed contract or agreement A complete billing history Proof the debt was assigned or transferred An itemized explanation of the {$490.00} balance Proof of legal authority to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment XXXX XXXX Account Number : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
XXXX writing again because multiple fraudulent accounts are still showing up on my credit report, even after Ive taken every proper step to dispute and resolve this issue. Its incredibly frustrating that these unauthorized entries continue to appear, and it raises serious concerns about how this situation has been allowed to go on for so long. 

My credit report also contains incorrect personal information, which seems to be contributing to these false accounts being linked to me. I am a victim of identity theft my personal details were used without my consent, and I have no connection to any of these accounts being reported in my name. 

Following XXXX instructions, I filed an FTC Identity Theft Report and submitted all the necessary documents, yet these fraudulent items are still listed. This ongoing inaccuracy is damaging to both my credit and my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ive tried exhaustingly to keep my credit above XXXX. My credit was XXXX on Equifax when ally financial services reported false and incorrect information about my loan. It drastically decrease my credit from XXXX to XXXX.... I'm in the process of purchasing a new car and this false reported information is now effecting my ability to purchase the new vehicle. I'm requesting they fix whatever it is they did to damage my credit. I've requested several times to get information as to what they did but all I get is " nothing '' ... XXXX is wrong?

Company response to consumer: Closed with explanation