vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB 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 ( XX/XX/XXXX ), 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 2025-11-05 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB 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 ( XX/XX/XXXX ), 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 2025-11-05 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section 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 crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a formal dispute regarding the inaccurate, unverifiable, and misleading reporting of the accounts listed below. XXXX XXXX XXXX is in direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), GEORGIA STATE CONSUMER PROTECTION LAWS, and XXXX XXXX XXXX by continuing to report unverified derogatories, failing to maintain maximum possible accuracy, and neglecting its legal obligation to delete inaccurate information when disputed. Each account listed below represents violations that must be addressed immediately. 

I have identified the following accounts reporting erroneous, incomplete, and misleading information which is legally obligated to fully investigate and provide detailed verification methodologies : BANK OF AMERICA XXXX DATE OPENED XX/XX/XXXX BALANCE {$11000.00} This account is reported with MULTIPLE XXXX LATE notations across XXXX through XXXX, which is excessive, inconsistent, and not supported by verifiable evidence. BANK OF AMERICA is in violation of FCRA 1681e ( b ), GEORGIA STATE LAW against deceptive trade practices, and XXXX XXXX XXXX by permitting repetitive, unverifiable derogatories. The reporting of such extensive late payments without clear validation is inaccurate 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
CFPB Complaint Removal of Inaccurate Addresses from Credit Reports Consumer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Subject : Inaccurate / Obsolete Addresses Reported in Violation of FCRA 611 and XXXX XXXX Compliance Requirements To the Consumer Financial Protection Bureau : I am filing this complaint because Experian, Equifax, and TransUnion are reporting obsolete and inaccurate addresses on my consumer file. These addresses are unrelated to my verified residence and should have been deleted during prior reinvestigations. 

The incorrect addresses appearing on my reports are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, University XXXX, OH XXXX These addresses are not my current residence and are not associated with any open or verifiable accounts that I currently maintain. Their continued appearance violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) and CFPB XXXX XXXX XXXX, which require the credit reporting agencies to maintain maximum possible accuracy and data integrity in the personal identification fields ( XXXX XXXX Section XXXX ). 

My correct and verifiable address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX. 

I request that the CFPB require each CRA to : XXXX. XXXX a full reinvestigation of these identifiers, XXXX. Delete the obsolete or unverifiable addresses from my file, XXXX. Provide written confirmation and a copy of my updated credit report, and XXXX. Identify the data furnishers or sources used to verify these addresses, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( XXXX ). 



Failure by the CRAs to correct or delete unverifiable identifiers constitutes a continued violation of the FCRA and CFPB XXXX XXXX. 

Please ensure these agencies comply with data-accuracy and XXXX XXXX XXXX obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 2025-11-05 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-11-05 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: NV

Complaint narrative:
Subject : Inaccurate Reporting of Late Payments and Incorrect Spelling of Consumers Name Violation of the Fair Credit Reporting Act and Metro 2 Standards ________________________________________ Summary of Complaint : I am filing this complaint because XXXX XXXX XXXX XXXX and XXXX  are reporting false 60-day late payment entries on my XXXX XXXX XXXX XXXX credit card account, and XXXX  is also inaccurately spelling my legal name as XXXX XXXX XXXX XXXX XXXX XXXX  ) instead of my correct name XXXX XXXX ( XXXX XXXX  ). 
These errors have caused significant harm to my credit standing, reputation, and ability to obtain credit on fair terms. Despite submitting a written dispute to both parties on XX/XX/XXXX, the inaccurate information remains uncorrected, which violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 
________________________________________ Facts and Evidence : My XXXX  credit report lists my name as XXXX XXXX instead of XXXX XXXX. 
The report also lists multiple 60-day late payment notations for the XXXX XXXX XXXX XXXX credit card account ( for XXXX, XXXX, and XXXX ). 
I have verified my own payment history and confirmed that these late payments never occurred. 
Both XXXX XXXX XXXX XXXX and XXXX  have failed to provide verifiable documentation proving the accuracy of these negative entries. 
The incorrect spelling of my name constitutes a failure to maintain maximum possible accuracy under FCRA 1681e ( b ). 
________________________________________ Applicable Law Violations : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting data they know or should know is inaccurate. 
2. FCRA 1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items and delete unverifiable data.

3. FCRA 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of personal and account information.

4. Metro 2 Reporting Guidelines : Require that all data furnished to CRAs, including name spelling and account history, be complete, accurate, and verifiable. 
________________________________________ Case Law References : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond merely parroting information from furnishers. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reporting unverifiable information violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX. XXXX. XXXX ) Unsubstantiated late payments must be deleted. 
________________________________________

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 2025-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Transunion Subject : Dispute of Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute certain information contained in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ). The specific information I am disputing pertains to self financial lead bank XXXX XXXX XXXX Under Section 604 ( a ) ( 2 ) of the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report without my written instructions. I believe that this act has been violated, as the account in question appears on my report without my consent or proper authorization. Furthermore, according to 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan in a manner that is detrimental to me as a consumer. 

I request that you investigate this matter thoroughly. Please provide me with a copy of the documentation you have on file regarding this account, including any evidence of my authorization for the reporting of this information. I also request that you remove or correct any inaccuracies related to this account in my credit report. 

In compliance with the FCRA, I expect your response within 30 days of receiving this letter. Please send me a written confirmation once the investigation has been completed, as well as an updated copy of my credit report, should any changes be made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Transunion Subject : Dispute of Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute certain information contained in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ). The specific information I am disputing pertains to self financial lead bank XXXX XXXX XXXX Under Section 604 ( a ) ( 2 ) of the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report without my written instructions. I believe that this act has been violated, as the account in question appears on my report without my consent or proper authorization. Furthermore, according to 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan in a manner that is detrimental to me as a consumer. 

I request that you investigate this matter thoroughly. Please provide me with a copy of the documentation you have on file regarding this account, including any evidence of my authorization for the reporting of this information. I also request that you remove or correct any inaccuracies related to this account in my credit report. 

In compliance with the FCRA, I expect your response within 30 days of receiving this letter. Please send me a written confirmation once the investigation has been completed, as well as an updated copy of my credit report, should any changes be made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-11-05 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation