vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Date : ___________________ Re : Formal Demand for Investigation & Permanent Deletion Under FCRA 602A, 609 ( a ), 611, 623 ; FACTA ; 15 USC 1681 To Whom It May Concern : I am formally disputing several inaccurate, incomplete, inconsistent, and legally non-verifiable entries on my TransUnion credit report. These accounts must be deleted immediately as required under federal law.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 15 USC 1681g, I am requesting full verification, including : - Name and address of the original creditor - Contract with my signature- All account-level documentation - Date of first delinquency - Complete chain of ownership ( for any debt buyers ) - Method of verification under FCRA 611 ( a ) ( 7 ) If you can not produce these records, you must delete the disputed items. 
ACCOUNTS TO BE DELETED : XXXX. Collection Account Creditor Unknown - Missing creditor identity ( violation of 609 ( a ) ( 2 ) ) - Incomplete data fields ( violation of 602A ) - Fails 623 ( a ) ( 1 ) ( A ) accuracy requirement XXXX. XXXX Charged Off - Different high balances, credit limits, and comments when compared across bureaus unverifiable & inaccurate- Violates 607 ( b ) + 623 ( a ) ( 1 ) - Missing original contract - Improper derogatory coding XXXX. XXXX XXXX Chargeoff / Late XXXX Days XXXX TransUnion shows Late 120 Days while Experian shows Late 180 Days - Date last active differs across bureaus inaccurate reporting - Violates 611 ( a ) ( 1 ) ( A ) 4. Revolving Account Chargeoff - All bureaus show conflicting reporting details - Missing method of verification - Violates 611 ( a ) ( 7 ) XXXX. XXXX Derogatory - Inconsistent dates across bureaus, including last active & last payment- Violates 605 & 623 ( a ) ( 1 ) ( A ) 6. XXXX Prior Dispute Not Updated - Reporting remains inconsistent and incomplete after dispute - Violates 611 ( a ) ( 5 ) ( A ) LEGAL NOTICE : Under federal law : - FCRA 611 ( a ) ( 5 ) requires deletion of any item that can not be fully verified.

- FCRA 602A prohibits reporting inaccurate or incomplete information.

- FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers to report with maximum accuracy.

- 15 USC 1681i requires a reasonable reinvestigation within XXXX days.

Failure to comply will result in CFPB complaints, Attorney General filings, and private action under

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 2025-12-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Date : ___________________ Re : Formal Demand for Investigation & Permanent Deletion Under FCRA 602A, 609 ( a ), 611, 623 ; FACTA ; 15 USC 1681 To Whom It May Concern : I am formally disputing several inaccurate, incomplete, inconsistent, and legally non-verifiable entries on my TransUnion credit report. These accounts must be deleted immediately as required under federal law.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 15 USC 1681g, I am requesting full verification, including : - Name and address of the original creditor - Contract with my signature- All account-level documentation - Date of first delinquency - Complete chain of ownership ( for any debt buyers ) - Method of verification under FCRA 611 ( a ) ( 7 ) If you can not produce these records, you must delete the disputed items. 
ACCOUNTS TO BE DELETED : XXXX. Collection Account Creditor Unknown - Missing creditor identity ( violation of 609 ( a ) ( 2 ) ) - Incomplete data fields ( violation of 602A ) - Fails 623 ( a ) ( 1 ) ( A ) accuracy requirement XXXX. XXXX Charged Off - Different high balances, credit limits, and comments when compared across bureaus unverifiable & inaccurate- Violates 607 ( b ) + 623 ( a ) ( 1 ) - Missing original contract - Improper derogatory coding XXXX. XXXX XXXX Chargeoff / Late XXXX Days XXXX TransUnion shows Late 120 Days while Experian shows Late 180 Days - Date last active differs across bureaus inaccurate reporting - Violates 611 ( a ) ( 1 ) ( A ) 4. Revolving Account Chargeoff - All bureaus show conflicting reporting details - Missing method of verification - Violates 611 ( a ) ( 7 ) XXXX. XXXX Derogatory - Inconsistent dates across bureaus, including last active & last payment- Violates 605 & 623 ( a ) ( 1 ) ( A ) 6. XXXX Prior Dispute Not Updated - Reporting remains inconsistent and incomplete after dispute - Violates 611 ( a ) ( 5 ) ( A ) LEGAL NOTICE : Under federal law : - FCRA 611 ( a ) ( 5 ) requires deletion of any item that can not be fully verified.

- FCRA 602A prohibits reporting inaccurate or incomplete information.

- FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers to report with maximum accuracy.

- 15 USC 1681i requires a reasonable reinvestigation within XXXX days.

Failure to comply will result in CFPB complaints, Attorney General filings, and private action under

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am filing this complaint as a consumer seeking to correct inaccuracies on my Experian credit report under my rights granted by the Fair Credit Reporting Act. 

XXXX Account in Dispute XXXX XXXX Account XXXX. XXXX ( Opened XX/XX/XXXX, XXXX {$0.00} ) This account is inaccurately reported as charged off while showing a XXXX balance. I dispute the validity and request Experian to require full verification from the furnisher. If the account can not be validated as accurate and complete, it must be deleted. 

Unauthorized / Unverifiable Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries and request Experian to remove them unless documented proof of authorization is provided. 

Late Payment Reporting in Dispute XXXX XXXX XXXX  Account No. XXXX XXXX XXXX Account 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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
This debt collection agency is trying to collect on an unverified debt. I have requested debt validation and supporting documents as shown in the email attached in document uploads which was sent XX/XX/year>. They are trying to collect a {$97000.00} property damage debt that my renters insurance has already investigated and found no liability on my part ( about XXXX months ago ). I have sent the liability denial findings to this debt collector and original apartment complex ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) however they continue to demand payment from me and provide no information or documents to support their claim or support the charged amount. In my request for validation I stated the only form of contact I allow is via written mail, yet the collector continued to use other forms such as phone calls and texts ( supporting evidence in document uploads ). They are now threatening report to credit bureaus without providing proper validation. They violated debt collection law on XX/XX/year> with a XXXX minute phone call to me in which XXXX XXXX admitted they hadn't sent me debt validation. Then they sent a text message threatening report to credit bureaus on XX/XX/year> to the co-signer on the apartment lease. This alleged damage occurred XXXX months ago and I received no correspondence after the insurance judgement found me not liable for the damage. Zero communication from anyone, I just woke up one day and had a {$97000.00} bill from my old apartment complex with no proof of any wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Date : ___________________ Re : Formal Demand for Investigation & Permanent Deletion Under FCRA 602A, 609 ( a ), 611, 623 ; FACTA ; 15 USC 1681 To Whom It May Concern : I am formally disputing several inaccurate, incomplete, inconsistent, and legally non-verifiable entries on my TransUnion credit report. These accounts must be deleted immediately as required under federal law.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 15 USC 1681g, I am requesting full verification, including : - Name and address of the original creditor - Contract with my signature- All account-level documentation - Date of first delinquency - Complete chain of ownership ( for any debt buyers ) - Method of verification under FCRA 611 ( a ) ( 7 ) If you can not produce these records, you must delete the disputed items. 
ACCOUNTS TO BE DELETED : XXXX. Collection Account Creditor Unknown - Missing creditor identity ( violation of 609 ( a ) ( 2 ) ) - Incomplete data fields ( violation of 602A ) - Fails 623 ( a ) ( 1 ) ( A ) accuracy requirement XXXX. XXXX Charged Off - Different high balances, credit limits, and comments when compared across bureaus unverifiable & inaccurate- Violates 607 ( b ) + 623 ( a ) ( 1 ) - Missing original contract - Improper derogatory coding XXXX. XXXX XXXX Chargeoff / Late XXXX Days XXXX TransUnion shows Late 120 Days while Experian shows Late 180 Days - Date last active differs across bureaus inaccurate reporting - Violates 611 ( a ) ( 1 ) ( A ) 4. Revolving Account Chargeoff - All bureaus show conflicting reporting details - Missing method of verification - Violates 611 ( a ) ( 7 ) XXXX. XXXX Derogatory - Inconsistent dates across bureaus, including last active & last payment- Violates 605 & 623 ( a ) ( 1 ) ( A ) 6. XXXX Prior Dispute Not Updated - Reporting remains inconsistent and incomplete after dispute - Violates 611 ( a ) ( 5 ) ( A ) LEGAL NOTICE : Under federal law : - FCRA 611 ( a ) ( 5 ) requires deletion of any item that can not be fully verified.

- FCRA 602A prohibits reporting inaccurate or incomplete information.

- FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers to report with maximum accuracy.

- 15 USC 1681i requires a reasonable reinvestigation within XXXX days.

Failure to comply will result in CFPB complaints, Attorney General filings, and private action under

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 2025-12-15 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to release a vehicle lien by XXXX XXXX XXXX. 

The auto loan was opened in XX/XX/year> as a XXXX contract. I made XXXX payments, exceeding the required contractual term. Despite fulfillment of the contract, XXXX XXXX XXXX charged off the account and has refused to release the vehicle title/lien. The delay has prevented me getting a mortgage as first time home buyer. 

After the account was charged off, XXXX XXXX XXXX continued to report late payments after the charge-off date on my credit reports. Reporting new delinquencies after a charge-off is inaccurate and impermissible under the Fair Credit Reporting Act ( FCRA ). The account is also reported in a manner that suggests it remains active or delinquent despite being charged off. 

The balance reported appears to include post-contract fees and recalculated interest rather than the original contractual obligation, and the continued late payment reporting has caused prolonged and unjustified damage to my credit profile for approximately seven years. 

I contacted XXXX XXXX XXXX directly to resolve these issues and requested deletion of the inaccurate credit reporting and release of the lien/title. The company has refused to cooperate or provide deletion, despite being notified of the reporting inaccuracies and lien issue. 

What I am requesting Permanent deletion of this tradeline from XXXX XXXX, and XXXX  Immediate release of the vehicle lien and title Removal of all postcharge-off late payment reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am filing a formal complaint requesting the immediate removal of incorrect personal information from my credit file and ensuring that my credit report is properly updated. My correct name XXXX XXXX XXXX, My correct address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and my correct employer is XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, credit reporting agencies are required to maintain maximum possible accuracy and completeness of consumer information, as outlined in 15 USC 1681e ( b ). The failure to update and maintain accurate personal information violates my rights under this law. 
Additionally, this reporting reflects a violation of permissible purpose under 15 USC 1681b, as the bureau is reporting personal information without authorization or consent. This continued reporting of inaccurate information demonstrates clear negligence and noncompliance. I have already escalated this matter to the Federal Trade Commission, yet the inaccuracies remain unresolved. I am now requesting the assistance of the Consumer Financial Protection Bureau to help resolve this matter and ensure that the credit bureau corrects these errors immediately and complies with the law without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
What happened? 
I reviewed my credit report and found inaccurate and inconsistent reporting by multiple furnishers that I believe violates the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX is reporting what appears to be the same credit card account with materially inconsistent information, including different dates opened ( XXXX and XXXX ), different credit limits ( {$300.00} and {$700.00} ), different balances ( {$460.00} and {$960.00} ), different status update dates ( XXXX and XXXX ), and different counts of potentially negative months. This inconsistent reporting makes it impossible to determine which information, if any, is accurate. Reporting the same account with conflicting terms is misleading and not the maximum possible accuracy required by law. 
XXXX XXXX XXXX is reporting a collection account allegedly associated with an installment loan originally issued by XXXX. The collection shows a balance of {$500.00}, a date opened of XX/XX/XXXX, and a balance updated in XX/XX/XXXX. I dispute the accuracy and completeness of this reporting, including the balance, the dates being reported, and whether the collector has proper authority and documentation to report this debt. There is no evidence shown on the credit report that validates the debt or supports the reported balance and timelines. 
I did not receive documentation through the credit report demonstrating that these accounts were verified with complete and accurate records before being reported or updated. As a consumer, I expect credit reporting agencies and furnishers to investigate disputed information and correct or delete information that can not be verified. 
I am requesting that the companies involved properly investigate, verify with competent evidence, and delete or correct any information that can not be confirmed as accurate and complete.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
What happened? 
I reviewed my credit report and found inaccurate and inconsistent reporting by multiple furnishers that I believe violates the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX is reporting what appears to be the same credit card account with materially inconsistent information, including different dates opened ( XXXX and XXXX ), different credit limits ( {$300.00} and {$700.00} ), different balances ( {$460.00} and {$960.00} ), different status update dates ( XXXX and XXXX ), and different counts of potentially negative months. This inconsistent reporting makes it impossible to determine which information, if any, is accurate. Reporting the same account with conflicting terms is misleading and not the maximum possible accuracy required by law. 
XXXX XXXX XXXX is reporting a collection account allegedly associated with an installment loan originally issued by XXXX. The collection shows a balance of {$500.00}, a date opened of XX/XX/XXXX, and a balance updated in XX/XX/XXXX. I dispute the accuracy and completeness of this reporting, including the balance, the dates being reported, and whether the collector has proper authority and documentation to report this debt. There is no evidence shown on the credit report that validates the debt or supports the reported balance and timelines. 
I did not receive documentation through the credit report demonstrating that these accounts were verified with complete and accurate records before being reported or updated. As a consumer, I expect credit reporting agencies and furnishers to investigate disputed information and correct or delete information that can not be verified. 
I am requesting that the companies involved properly investigate, verify with competent evidence, and delete or correct any information that can not be confirmed as accurate and complete.

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