vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, This is my fourth formal dispute regarding inaccurate and inconsistent information appearing on my credit report. I have already provided proof of my identity and current address, yet the information in question has not been corrected.

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation. The accounts furnished by XXXX XXXX XXXX and XXXX XXXX continue to show conflicting and unverifiable data across the three credit bureaus. These inconsistencies make the information unreliable and therefore inaccurate under the FCRA. 

XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : The reporting of this account is fundamentally inaccurate due to conflicting and impossible dates, and inconsistent creditor remarks. I demand a reasonable reinvestigation, and if the furnisher can not verify the consistent, accurate XXXX, the account must be deleted. 
XXXX. XXXX XXXX ( Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  & Account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The inconsistent dates ( XXXX vs. XXXX ) and the " Dispute Resolved '' remarks require you to conduct a new reinvestigation. The information being reported is demonstrably inaccurate and misleading, and I demand deletion if the furnisher can not verify the accurate dates and status for EACH ACCOUNT. 
XXXX. XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Dispute Reason : The contradictory reporting of the account status and the extreme variance in the Date of Last Activity prove the data is fundamentally inaccurate and unverifiable. Furthermore, the failure to report this derogatory item to Equifax suggests a lack of data integrity. I demand immediate deletion of this unverified information.

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 2025-11-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: OK

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I received text messages on XX/XX/year> and XX/XX/year> from a debt collector regarding an alleged debt. 

I also received calls. 

I responded to the number that texted me on XX/XX/XXXX with the following : Under 15 U.S.C. 1692g, you are required to provide a written validation notice within 5 days of initial communication. I have not received one. Please send full written validation of the alleged debt and cease all phone/text communication. 

Despite my request, I received a call from them on XX/XX/scrub> 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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding Teslas failure to communicate, failure to provide promised incentives, and improper attempt to send my account to a third-party collection agency despite an active, unresolved dispute.

I returned my leased Tesla XXXX XXXX ( VIN : XXXX ). Tesla did not send me the inspection report until approximately two to three weeks before my return date. A Tesla employee confirmed that no earlier inspection email existed in their system. Because of this delay, I was denied a fair opportunity to complete the repairs myself, as allowed under my lease agreement. 

The inspection listed {$5500.00} in charges for dents, scratches, and tires, which appear highly inflated and far above reasonable market repair costs. I submitted a formal dispute on XX/XX/XXXX, requesting clarification and supporting documentation. Tesla never responded. I followed up again in late XXXX, and again received no response. 

Instead of addressing my dispute, Tesla began threatening to send my account to a third-party collection agency, which is improper and violates fair credit and debt collection practices. A creditor can not attempt collections while ignoring an active dispute. 

Additionally, I was eligible for two incentives when transitioning into my new XXXX Tesla XXXX XXXX XXXX  - A {$1000.00} Tesla loyalty/upgrade incentive, and - A {$1000.00} Lyft partnership incentive offered at the time of my order. 
- Despite multiple attempts to contact Tesla about these incentives, my inquiries were ignored, and I have not received either incentive. Tesla has repeatedly failed to respond to communication regarding both the lease-end dispute and the missing incentives. 

At this time, I am requesting : - Immediate acknowledgment of my dispute regarding the lease-end charges ; - A full review and adjustment of the excessive and inflated repair charges ; - Immediate cessation of any attempt to send my account to collections ; - Issuance of the {$1000.00} Tesla incentive and {$1000.00} Lyft partnership incentive that were originally offered and promised ; A transparent explanation and resolution from Tesla regarding the delayed inspection notice and lack of communication.

I have made multiple good-faith attempts to resolve all issues directly with Tesla, but they have failed to respond to any of my communications since XX/XX/XXXX. Their lack of transparency, failure to honor incentives, and attempt to escalate an unresolved dispute to collections have forced me to seek assistance through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
On XX/XX/year> I was charged an annual fee of XXXX plus interest. XXXX XXXX I was charged a monthly fee of XXXX plus interest. XXXX XXXX I was charged a monthly fee of XXXX plus interest. XX/XX/year> was charged a monthly fee of XXXX plus interest. XXXX XXXXXXXX XXXX was charged a monthly fee of XXXX plus interest..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I have no link to these accounts ; they should be removed within 15 days according to USC 1681g.

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 2025-11-20 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported on my credit file with Equifax. Below are the accounts in question : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Status : Collection / Charge-Off Date Opened : XXXX Balance : {$790.00} Inaccuracy : This account was reported as a loss by the credit grantor, yet the reporting of the balance and status violates the Fair Credit Reporting Act ( FCRA ). The information reported here appears to be incomplete or inaccurate as per the FCRAs standards for accurate reporting. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Partially Secured Installment Loan Inaccuracy : The account is marked as " positive '' but contains potential inaccuracies regarding payment reporting. Further investigation into the payment history and status should be conducted to ensure compliance with the FCRA, which mandates the accurate reporting of payment histories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 submitting this dispute to Equifax to request a thorough investigation into the following accounts that have been inaccurately reported on my credit profile. I seek to ensure that all information provided on my report is accurate, complete, and in full compliance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts that I am disputing : Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1400.00} Dispute : This account has been incorrectly reported as charged off and needs verification. 

Late Payment Accounts : XXXX Account Number : XXXX Dispute : Late payment reported on this account is not accurate or is outside of the statutory period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 2025-11-20 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXXXXXX XXXX, Experian ( XXXX ), and XXXX XXXX XXXX XXXX. Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$73.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$320.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$340.00} Inquiries : XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX, Account Number : 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 2025-11-20 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 have sent several disputes about these accounts that appear in my credit report, and they answer me absurd things that do NOT make sense, they tell me that my disputes is not presented by me, which is inserted. I affirm and assure once again that all deputies are presented by me with my right as a consumer and I demand that they take action on my complaints under the law that protects me 15 USC 1681s-2 for reporting inacurate information. At the time of this agreement I was a uniformed consumer as the agreement was not clear and conspicuous on terms and conditions. They did not disclose to me a clear and conspicuous option on how I can opt out of credit reporting which means they transferred nonpublic personal information without lawful authority.

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 2025-11-20 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: CA

Complaint narrative:
Please examine the supplied documents ; the questions were submitted suddenly and could be unofficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN, the following fraudulent accounts remain on my credit report : XXXX XXXX - XXXX, XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that EXPERIAN complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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 2025-11-20 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: MI

Complaint narrative:
All three credit bureaus are reporting the same inaccurate payment history for my student loan. The reports show my account as current in XX/XX/2025, but then suddenly 90 days late in XX/XX/2025 and 120 days late in XX/XX/2025. This sequence is not possible. A borrower can not be 90 days delinquent in XXXX unless they were already 30 days delinquent in XXXX and 60 days delinquent in XXXX. Reporting XX/XX/2025 as current and then reporting XXXX as 90 days late is an internally inconsistent and factually inaccurate payment history. 

Because all three bureaus show the identical incorrect pattern, the inaccurate information was provided by the loan servicer in a batch file. I am disputing the accuracy of the dates and delinquency codes.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All three credit bureaus are reporting the same inaccurate payment history for my student loan. The reports show my account as current in XX/XX/2025, but then suddenly 90 days late in XX/XX/2025 and 120 days late in XX/XX/2025. This sequence is not possible. A borrower can not be 90 days delinquent in XXXX unless they were already 30 days delinquent in XXXX and 60 days delinquent in XXXX. Reporting XX/XX/2025 as current and then reporting XXXX as 90 days late is an internally inconsistent and factually inaccurate payment history. 

Because all three bureaus show the identical incorrect pattern, the inaccurate information was provided by the loan servicer in a batch file. I am disputing the accuracy of the dates and delinquency codes.

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 2025-11-20 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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