vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it 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 2025-06-27 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-27 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: TX

Complaint narrative:
I am writing to dispute the reporting of the account listed under XXXX XXXX ( account ending in XXXX as it appears on my credit report. I have attached correspondence from the data furnisher in which they acknowledge multiple errors and instruct me to contact your agency to address them. I also attached my dispute letter to your company which is dated and time stamped. 

Specifically, the following reporting elements are inaccurate : Date of Last Activity Date of Last Payment Payment History Additionally, XXXX XXXX has not provided any supporting documentation or statements validating the accuracy of the payment history they submitted, which includes inconsistent reporting across all three bureaus. They have not verified the accuracy of this account and have directed me to file this dispute with you directly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain and report only accurate and verifiable information. Since this account is being disputed by the furnisher itself and remains unsupported by evidence, I am formally requesting that you delete this tradeline entirely from my credit file. 

Please conduct a full reinvestigation and provide written confirmation of the deletion.

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 2025-06-27 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: TX

Complaint narrative:
I am writing to dispute the reporting of the account listed under XXXX XXXX ( account ending in XXXX as it appears on my credit report. I have attached correspondence from the data furnisher in which they acknowledge multiple errors and instruct me to contact your agency to address them. I also attached my dispute letter to your company which is dated and time stamped. 

Specifically, the following reporting elements are inaccurate : Date of Last Activity Date of Last Payment Payment History Additionally, XXXX XXXX has not provided any supporting documentation or statements validating the accuracy of the payment history they submitted, which includes inconsistent reporting across all three bureaus. They have not verified the accuracy of this account and have directed me to file this dispute with you directly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain and report only accurate and verifiable information. Since this account is being disputed by the furnisher itself and remains unsupported by evidence, I am formally requesting that you delete this tradeline entirely from my credit file. 

Please conduct a full reinvestigation and provide written confirmation of the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 submitted multiple disputes to Equifax starting in XX/XX/year>, requesting validation and proof of several accounts reporting on my credit report. To date, Equifax has failed to provide any documentation or verification that these debts are valid or belong to me. Despite multiple follow-ups, Equifax has been unresponsive and delayed in resolving my disputes. This lack of timely action and failure to comply with my dispute rights under the Fair Credit Reporting Act is unacceptable and causing harm to my credit standing. I am requesting immediate investigation and enforcement to ensure Equifax complies with its legal obligations and removes unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint to formally dispute inaccurate and unlawful credit reporting practices by Navy Federal Credit Union regarding an auto loan ( Acct # : XXXX ). 

Despite prior disputes, Navy FederaXXXX continues to furnish credit information that violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards. Specifically : Ongoing Charge-Off Reporting : Navy Federal repeatedly updates the account each month as a CO ( Charge-Off ) on Experian, Equifax, and TransUnion XXXX This is a XXXX XXXX violation, which requires charge-offs to be reported as a one-time event. 

Re-Aging the Debt : Although the last payment was made in XX/XX/XXXX, and the charge-off occurred in XX/XX/XXXX, the account continues to update as if its active. This extends the life of the derogatory data in direct violation of FCRA XXXX ( a ) ( XXXX ) and XXXX XXXX guidelines requiring the accurate and consistent reporting of the Date of First Delinquency ( XXXX  ). 

Inconsistent Reporting Across Bureaus : TransUnion lists an estimated fall-off date in XXXX, while Equifax and Experian differ in delinquency dates, payments, and balances another clear sign of unreliable data handling. 


I am requesting that the CFPB compel Navy Federal to delete this account from all consumer reporting agencies for violating FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( A ), and XXXX XXXX guidelines, and for failing to provide any substantiating documentation in their reinvestigation. 

Please escalate this matter to the appropriate regulatory and legal review channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the inaccurate, unverified, and materially misleading late payment data you are furnishing on these accounts. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to challenge false information. You are required to provide complete and accurate reporting, as well as proof of permissible purpose. I demand that you rectify these violations immediately. 

XXXX XXXX XXXX You are willfully reporting a XXXX late payment for XX/XX/year> on a revolving account that is otherwise marked as open, current, and in good standing. This is a direct conflict, violating : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) Duty to ensure maximum possible accuracy Metro 2 Reporting Standards and CDIA Guidelines 15 U.S.C. 1681n Willful noncompliance Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 The late payment is a billing error. You failed to provide any investigation or legal validation as required under TILA. I demand permanent deletion of this inaccurate data and update of the tradeline to reflect Paying As Agreed. Continued noncompliance will trigger further legal action. 

XXXX XXXX You are reporting a XXXX late payment for XX/XX/year> while also listing the account as open, current, and in good standing. This contradiction violates : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) Metro 2 Format 15 U.S.C. 1681n FCBA/TILA, 15 U.S.C. 1666 You failed to lawfully investigate the dispute or provide verification. Your continued reporting of this false data causes financial harm and violates federal law. I demand that you DELETE the XXXX late remark and report the account as Paying As Agreed. 

XXXX  XXXX You are falsely reporting late payments for XX/XX/year> and XX/XX/year> while showing the account as open, current, and {$0.00} balance. This contradiction violates : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) 15 U.S.C. 1681n Metro 2 Format and CDIA Guidelines TILA/FCBA 1666 Your reporting is misleading and creates data poisoning. The entry fails the Metro 2 system-to-system consistency check required by the CRAs. You also lack permissible purpose under FCRA 604 to continue publishing this derogatory, unverified data. 

As a victim of the National Public Data Breach, I am especially harmed by your refusal to delete false data, knowing my identity has been compromised. This is gross negligence. 

Final Demand Youve had every opportunity to comply with federal law. You chose not to. Thats willful noncompliance. 

I demand that you DELETE all inaccurate and unverified late payment data on the accounts listed. Confirm in writing that youve done so. If you fail to act, I will file regulatory complaints and pursue full damages under : FCRA 616, 617 TILA 1666 All other applicable consumer protection laws You are now on notice. I expect compliance within XXXX XXXX of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MI

Complaint narrative:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report. 

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within XXXX ( XXXX ) business days of receiving notice, yet these inquiries remain on my 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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-27 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: MD

Complaint narrative:
I DO NOT RECOGNIZE THIS XXXX  PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY PLEASE THANK YOU SO MUCH!

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 2025-06-27 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-06-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXX Federal - XXXX List XXXX Unauthorized Inquiries : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX MA - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of XXXX  which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I received a paycheck for {$1000.00} from my employer ( XXXX XXXX ), deposited into my XXXX XXXX  account. However, prior to receiving this deposit, XXXX allowed several XXXX XXXX XXXX XXXX  card charges to go through while my account was already negative eventually bringing it to {$560.00} before I was ever paid. 

From XX/XX/XXXX to XX/XX/XXXX, XXXX approved multiple vendor payments and applied a {$34.00} overdraft fee to each XXXX, including : {$13.00} purchase {$34.00} fee {$18.00} purchase {$34.00} fee {$30.00} ACH debit {$34.00} fee {$48.00} ACH debit {$34.00} fee {$130.00} ACH debit {$34.00} fee {$140.00} ACH debit {$34.00} fee XXXX continued allowing charges even after my account was more than {$500.00} negative, causing the fees to snowball. When my paycheck finally posted on XX/XX/XXXX, XXXX took the entire {$1000.00} to cover the overdraft balance leaving me with no access to my income. I could not pay my car note, water bill, electricity, or afford gas for an urgent trip. 

I did not receive advance warning, and I believe this practice is both predatory and XXXX. XXXX allowed low-dollar transactions to overdraw my account and then charged {$34.00} fees repeatedly, including after the account was already deeply negative. I believe these fees were excessive, stacked unfairly, and violated fair banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Processing Solutions, LLC
State: MA

Complaint narrative:
Contacted Massachusetts pay by plate collection company, which is professional account management out of New York and requested verification of debt because I paid most of it already when I renewed my license and I wanted confirmation why that has not been reflected in a breakdown of what theyre saying is what I owe which is almost {$400.00} which is crazy It should be about XXXX. I requested to speak with a supervisor they refused. I requested that they send me verification of debt and they would not do that either they said that I was to assume they were correct. I said that I wanted to dispute it, but I needed a breakdown of the debt and that it was valid and they wouldnt do that either. 

Professional account solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
XXXX Nevada agency license number : XXXX. XXXX licensed compliance managers for Nevada are as follows : XXXX ID # XXXX, NV License number XXXX ; XXXX XXXX XXXX XXXX NV License number XXXX ; XXXX XXXX XXXX XXXXXXXX, NV License 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