vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: WA

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 2025-10-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-10-17 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: TX

Complaint narrative:
Issue Summary : XXXX XXXX XXXX is reporting inaccurate and outdated derogatory information on my credit reports with Experian, Equifax, and TransUnion. The account in question was charged off and closed in XXXX, but it continues to appear as active, past due, and even incurs recent reporting activity through XXXX. This violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : I am submitting this complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning the inaccurate and misleading reporting of a closed, charged-off auto loan account on my credit reports from Equifax, Experian, and TransUnion. 

Experian : Reports the account as charged off since XX/XX/XXXX, yet continues to show an active past due balance of {$15000.00} as of XX/XX/XXXX. This is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to provide accurate information and update any inaccuracies.

TransUnion : Reports the same account as closed but still showing open installment terms and inconsistent update dates, violating FCRA 605 ( a ) regarding the reporting of obsolete and misleading information. 

Equifax : Shows continued soft inquiries from XXXX XXXX XXXX in XX/XX/XXXX even though the account was closed in XX/XX/XXXX, violating FCRA 604 ( a ) ( 3 ), which prohibits access to a consumer file without permissible purpose. 

These discrepancies indicate re-aging and ongoing furnishing of inaccurate data after the account was charged off, materially damaging my creditworthiness and violating the FCRAs accuracy and reinvestigation provisions under 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ).

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 2025-10-17 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: TX

Complaint narrative:
Issue Summary : XXXX XXXX XXXX is reporting inaccurate and outdated derogatory information on my credit reports with Experian, Equifax, and TransUnion. The account in question was charged off and closed in XXXX, but it continues to appear as active, past due, and even incurs recent reporting activity through XXXX. This violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : I am submitting this complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning the inaccurate and misleading reporting of a closed, charged-off auto loan account on my credit reports from Equifax, Experian, and TransUnion. 

Experian : Reports the account as charged off since XX/XX/XXXX, yet continues to show an active past due balance of {$15000.00} as of XX/XX/XXXX. This is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to provide accurate information and update any inaccuracies.

TransUnion : Reports the same account as closed but still showing open installment terms and inconsistent update dates, violating FCRA 605 ( a ) regarding the reporting of obsolete and misleading information. 

Equifax : Shows continued soft inquiries from XXXX XXXX XXXX in XX/XX/XXXX even though the account was closed in XX/XX/XXXX, violating FCRA 604 ( a ) ( 3 ), which prohibits access to a consumer file without permissible purpose. 

These discrepancies indicate re-aging and ongoing furnishing of inaccurate data after the account was charged off, materially damaging my creditworthiness and violating the FCRAs accuracy and reinvestigation provisions under 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear. I request that these entries be validated, and if they can not be confirmed, they must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NC

Complaint narrative:
Please look over the account by use of 15 U.S.C. 1681 and FCRA-605 B. Please investigate all of these and remove them from my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited a check mailed to me from a grant I received filling out grant applications online. I received notification that I was approved for {$9500.00} grant to use it for the purpose business equipment, and to keep all documentation, sent me the tracking information and when the check arrived I deposited it. it had a five day hold and never cleared. I contacted the representative that reached out to me with the tracking number and the information when I found out that the check was counterfiet and the representative said that she is going to send another check in the mail that there was some problem that has been rectified and that they apologized for the complications I received another check but this time I googled the bank on the check called them and told them why I was calling gave the account off the check and she confirmed it was a bad account. but the bank that I have been affiliated with over 20 yrs that should have had my back and cover me decided to cut me off of the money in my other account associated with my granddaughters Ssi because she is a non verbal special needs 5 yr old who I have custody of and my other accounts. I would not have access to to the or my accounts because of this and I even had to press the bank out to allow me to walk into a branch to collect the over XXXX dollars that was in her account this has me delinquent in my life ins policy car insurance and my other obligations, It has devastated me because I was a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with multiple prior disputes I have submitted. It has been over 35 days since my most recent dispute, and all three credit bureaus have failed to remove, correct, or provide any valid documentation verifying the continued reporting of the following inaccurate and unauthorized items : Unauthorized inquiry XXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXXXX/XX/XXXX Late payment ( open ) XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment ( open ) XXXX  XXXX XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized inquiry XXXX XX/XX/XXXX Unauthorized inquiry XXXX XX/XX/XXXX Despite multiple notices, none of the credit bureaus have provided the required documentation or verification methods supporting these accounts or inquiries. This continued inaction violates the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Each bureau has failed to provide the following as required under federal law : A clear explanation of the procedures used in the reinvestigation process Documentation relied upon to verify the disputed items Complete contact information for the data furnishers involved Their ongoing reporting of inaccurate and unverifiable information has caused continued harm to my creditworthiness. I have made multiple good faith attempts to resolve this matter directly with each bureau, but my disputes remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am filing this formal complaint against Regional Acceptance Corporation for the continued and unlawful reporting of a derogatory auto loan account across the consumer reporting agencies XXXX XXXX XXXX XXXX 

This account is listed as Charged Off and Paid in Full/WAS A CHARGE OFF, with closure and last activity dates around 2019, per my TransUnion report ( Account XXXX XXXX XXXX XXXX  ). Despite being paid in full, this account is still being reported as a charge-off and remains marked as adverse, which is false, inaccurate, and misleading. 

1. Violations of the Fair Credit Reporting Act ( FCRA ) According to 15 U.S.C. 1681a and 1681b, no information should appear on a consumers report without their written authorization or a permissible purpose. I never authorized the inclusion of adverse or post-closure remarks once the account was paid and closed. Continued reporting after resolution constitutes unauthorized use of my consumer information.

Further, under 15 U.S.C. 1681c, consumer reporting agencies are prohibited from including any adverse item older than seven years, and only criminal convictions may lawfully remain longer. This account, closed since 2019, is now within the time frame for mandatory removal, especially since it was marked Paid in Full. 

Additionally, the accounts simultaneous reporting as both charge-off and paid is a direct violation of the accuracy and fairness requirements under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy.

2. False Representation and Defamation of Credit Character Labeling a paid account as Charge-Off implies a loss to the creditor, not a consumer payment in full. This reporting damages my creditworthiness and misrepresents the true state of the account, thereby violating my right to fair and accurate reporting as required by 15 U.S.C. 1681i ( Dispute process ) and 1681s-2 ( a ) ( Duties of furnishers to provide accurate information ).

3. Unlawful Retention of Obsolete Data Under 15 U.S.C. 1681c ( a ) ( 5 ), any adverse information older than seven years must be excluded from reports. Since this account was closed and paid in 2019, the continued reporting until 2026as stated by XXXX unlawful and must be immediately deleted. 

4. Identity Misuse and Unauthorized Re-reporting Per 12 CFR 1022.3 and 15 U.S.C. 1681c2, any information added to my report without written consent can be treated as identity theft or unauthorized use of my data. Reporting a paid and closed account as a continuing derogatory charge-off qualifies as such unauthorized behavior.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
National Credit Systems , Inc . 

XXXX Naturally XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Account Number : XXXX Original Creditor : XXXX XXXX XXXX Dear XXXX XXXX XXXX, This letter is being sent in response to the collection account listed on my Experian credit report. I am formally requesting validation of the alleged debt under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : XXXX that I am the person legally obligated to pay this debt. 

The name and address of the original creditor. 

A copy of the original signed lease, contract, or agreement establishing this debt. 

A complete payment history, including how the amount of {$3600.00} was calculated. 

Proof that your company is licensed to collect debts in my state. 

The date you acquired this debt and from whom. 




Until you provide this documentation, I request that you cease all collection activity, including reporting or verifying this account with any credit reporting agency, as required by law. 



Please note that I am not admitting to owing this debt. This request is solely for validation and verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and deleted from my report. It is my understanding that you will conduct a verification process with the relevant creditor who reported this information. I ask that any unverifiable information be promptly removed. As stated in 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days upon receipt of this correspondence. My personal information has been compromised, and I have attached those documents.

Please provide an updated copy of my credit report to the aforementioned address. Under the provisions of the act, I am not liable for any fees associated with this updated report. Additionally, I request that you notify all entities who have accessed my credit report within the past six months of any necessary corrections.

Thank you for your attention and assistance regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AZ

Complaint narrative:
I am filing this complaint regarding a fraudulent account reported by XXXX XXXX. The account in question does not belong to me, and I have never authorized or signed any agreement with this company. I contacted XXXX XXXX, and they informed me that they are not currently reporting the account to the credit bureaus. However, the item still remains on my credit report and continues to negatively affect my credit profile. 

I am requesting that XXXX XXXX either : 1. Permanently delete this item from all credit reporting agencies ( XXXX XXXX, and TransUnion ), or 2. Provide proof of liability, including a signed contract or original agreement bearing my signature, verifying that I am legally responsible for this debt.

If such proof can not be provided, I expect immediate removal of the fraudulent account in compliance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation