vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-27 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:
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 2025-11-27 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: 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 2025-11-27 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:
Dear Sir/Madam, I am a consumer working to fix my credit, and I am submitting this filing to dispute certain items on my credit report that I believe are inaccurate. Below are the details of the disputed accounts, separated by bureau.

Charged Off Accounts DEPTEDXXXX XXXX XXXX {$3900.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, {$2700.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, {$2500.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, {$6100.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, {$5100.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, {$27.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, {$840.00} DEPTEDXXXX XXXX, XX/XX/XXXX, {$3000.00} DEPTEDXXXX XXXX XX/XX/XXXX, {$26000.00} DEPTEXXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, {$3400.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX, {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit report. Below are the accounts I am disputing with the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ) Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$740.00} XXXX, XXXX, XX/XX/XXXX, {$310.00} XXXX XXXX, XX/XX/XXXX, {$3500.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$630.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$550.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$3600.00} XXXX, XXXX, XX/XX/XXXX, {$250.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9500.00} Late Payment : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2025-11-27 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: CA

Complaint narrative:
Equifax is still reporting XXXX fraudulent accounts on my credit report even though XXXX  and XXXX  have already removed these same accounts after reviewing my FTC Identity Theft Report ( # XXXX ) and full identity theft documentation. 

The remaining fraudulent accounts on Equifax are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened during the same identity theft incident and were already deleted by the other XXXX bureaus because the furnishers could not verify them. XXXX  and XXXX  both confirmed these accounts were fraudulent and removed them under FCRA 605B. 

Equifax has not allowed me to upload documents successfully through their online system, blocking my ability to dispute these items directly. I am attaching the full identity theft packet here. 

A fair resolution is : Permanent deletion of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction of all personal information Written confirmation once completed These accounts MUST be deleted under FCRA 605B since the same evidence has already proven them fraudulent to the other XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am not responsible for these accounts and request removal within 15 days according to the Fair Credit Reporting Act.

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 2025-11-27 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and Experian have failed to conduct a lawful or reasonable investigation of my rental collection dispute. I vacated the unit on XX/XX/XXXX, and the keys were returned on XX/XX/XXXX into the drop box. I have timestamped photos with location data proving the keys were returned on XX/XX/XXXX, and that the landlord regained possession on that date. Despite this, XXXX continues reporting a move-out date of XX/XX/XXXX based solely on an unsigned move-out report that I never received at move-out. That document is not valid, is not signed, and contains incorrect dates. It can not legally be used to verify a debt under the FCRA or FDCPA. 

Experian acknowledged receiving my documents, stated that my dispute had been modified, and confirmed documentation was received. Yet Experian still verified the account using the same invalid and unsigned move-out sheet. This proves Experian did not conduct a real investigation and relied only on XXXX  automated e-Oscar response. That is not a reasonable reinvestigation under FCRA 1681i. 

XXXX violated FCRA 1681s-2 ( b ) by failing to review the evidence I submitted and by continuing to report information they know is inaccurate. They are also in violation of FDCPA 807 and 809 ( b ) for misrepresenting the debt and refusing to validate it with proper documentation. XXXX has never produced a signed move-out form or accurate possession dates because no such documentation exists. 

The investigation by both companies was automated, repetitive, superficial, and unlawful. Neither company addressed or acknowledged the timestamped photos proving the actual possession return date of XX/XX/XXXX. This is a failure to maintain maximum possible accuracy under FCRA 1681e ( b ).

This inaccurate reporting has directly harmed me, including denial of public housing. The housing authority stated I could be approved if even one inaccurate rental collection is removed. XXXX and Experian are knowingly harming my ability to obtain housing by reporting false and unverified information. 
I am providing my timestamped photos. The unsigned move out report XXXX provided that I had never seen until they responded to my first complaint. My XXXX  contract dated XX/XX/XXXX to support my move out date.

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 2025-11-27 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: FL

Complaint narrative:
Dear XXXX, I am writing to formally dispute inaccuracies on my credit report with the three major credit bureaus : Experian, Below are the details of the accounts in dispute. I am requesting that the inaccurate information be thoroughly investigated and corrected. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Discrepancy : This account is reported as charged off but there is a discrepancy in the reporting of this balance. I request a thorough review of the account to ensure the accuracy of the reported information. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Discrepancy : This account is reported as charged off. Please verify the accuracy of this status and ensure it reflects the correct reporting. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Discrepancy : The reported balance and status of this account as charged off need to be reviewed for accuracy. I request that you verify the accuracy of the information provided. 

Inquiries XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-27 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: CT

Complaint narrative:
Can you look over this entry? It might be late and contain errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-27 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:
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! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-27 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:
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 XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am writing to dispute several items on my credit report as provided by your bureau. Below, I have outlined the specific items in question, along with potential violations under the Fair Credit Reporting Act ( FCRA ), including inaccuracies, incomplete reporting, and potential data breaches. 
Disputed Accounts : XXXX. XXXX. XXXX, XXXX. 
Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Original Creditor : XXXX XXXX and XXXX Center Balance : {$2600.00} Account Status : Open Date Opened : XXXX Violation ( s ) : Incorrect Reporting of Account Status : The account is inaccurately marked as " open '' instead of " closed '' or " charged off. '' This violates FCRA Section 1681i regarding accurate reporting of account statuses. 
XXXX XXXX XXXX : The account has been reported with multiple late payments that do not match my records, violating FCRA Section 1681c regarding the proper reporting of payment history.

Potential Data Breach : Given the discrepancies, I suspect that my personal information may have been compromised. Please investigate under FCRA Section 605B. 
XXXX. XXXX XXXX  Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Original Creditor XXXX XXXX XXXX  XXXX XXXX  Balance : {$170.00} Account Status : Open Date Opened : XXXX Violation ( s ) : Incorrect Account Status : The account is inaccurately reported as " open '' when it should be marked as " closed '' or " charged off. '' This violates FCRA Section 1681i.

Late Payment Status : The account is incorrectly showing late payments, which do not align with my records. This violates FCRA Section 1681c.

Request for Action : 1. Please conduct a thorough investigation of the accounts listed above to ensure the information complies with FCRA.

2. Investigate whether any of these accounts were compromised by a data breach under FCRA Section 605B.

3. Correct any discrepancies in the late payment and account status information

Company response to consumer: Closed with explanation