vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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! 


XX/XX/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 2025-12-04 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: IN

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-12-04 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:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-04 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:
The current entry is not representative of my true financial behavior, as it lacks completeness and accuracy. I am requesting a formal review and the necessary updates to correct this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and under XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) guidelines. I demand immediate investigation and correction of the following inaccurate, unverifiable, and incomplete information appearing on my Equifax credit report dated XX/XX/year>. 
1.XXXX  XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue XXXX XXXX XXXX  Reported as charged-off with a past due of {$7100.00}, exceeding credit limit. 
2.XXXX  XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off at {$2200.00} ; past due balance inaccurately exceeds credit limit. 
- * * Violation : * * Failure to ensure accurate reporting as required under FCRA and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and under XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) guidelines. I demand immediate investigation and correction of the following inaccurate, unverifiable, and incomplete information appearing on my Equifax credit report dated XX/XX/year>. 
XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue XXXX XXXX XXXX  Reported as charged-off with a past due of {$7100.00}, exceeding credit limit. 
XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX XXXX Charged-off at {$2200.00} ; past due balance inaccurately exceeds credit limit. 
- * * Violation : * * Failure to ensure accurate reporting as required under FCRA and 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 2025-12-04 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-12-04 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 am formally disputing the inaccurate late payment reporting on the following account appearing on my TransUnion, Experian and Equifax credit file. TransUnion, Experian and Equifax is reporting a 30-day late payment in XX/XX/XXXX, which is false, unverifiable, and does not reflect my actual payment history with this creditor. 
Account Name : XXXX Account Number : XXXXXXXX XXXX  Open Date : XX/XX/XXXX Balance : {$41000.00} Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ) and 607 ( B ), TransUnion, Experian and Equifax must maintain maximum possible accuracy in all reported information. Under FCRA Section 611, you are legally required to conduct a proper reinvestigation and remove any item that can not be fully 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 2025-12-04 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:
I am formally disputing the inaccurate late payment reporting on the following account appearing on my TransUnion, Experian and Equifax credit file. TransUnion, Experian and Equifax is reporting a 30-day late payment in XX/XX/XXXX, which is false, unverifiable, and does not reflect my actual payment history with this creditor. 
Account Name : XXXX Account Number : XXXXXXXX XXXX  Open Date : XX/XX/XXXX Balance : {$41000.00} Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ) and 607 ( B ), TransUnion, Experian and Equifax must maintain maximum possible accuracy in all reported information. Under FCRA Section 611, you are legally required to conduct a proper reinvestigation and remove any item that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: TX

Complaint narrative:
All contested accounts must be addressed and cleared within the legal period.

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 2025-12-04 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:
I am submitting this formal dispute regarding the late payment being reported on the following account listed on my TransUnion consumer report : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$730.00} I am disputing this information on the basis of inaccuracy. I am reported as an authorized user on this account, and as such, I am not legally responsible for the payment history or any delinquency associated with the primary account holder. Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), and 611, TransUnion is required to maintain the maximum possible accuracy of consumer information and to remove or correct any data that can not be fully 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am filing this complaint because Equifax, XXXX XXXX XXXX, and XXXX XXXX have updated my credit file with false, retroactive, and unverifiable derogatory information, in direct violation of the FCRA ( 15 U.S.C. 1681 et seq. ) and Metro 2 reporting standards. 

On XX/XX/XXXX, I received a notification that a new remark was added to my XXXX XXXX account on Equifax without any prior notice, verification, or consumer communication. This constitutes impermissible and deceptive data modification. 

Additionally, XXXX XXXX suddenly altered over a year of my payment history changing previously reported Current months ( XXXX XXXX XXXX1 and forward ) into Unknown, and adding a new 30 Days Late for XX/XX/year> that was never previously reported. These changes were made years later, without notice, and appear only after I submitted disputes. This is a clear violation of FCRA 611 ( failure to conduct a reasonable investigation ), 607 ( b ) ( failure to maintain maximum possible accuracy ), and Metro 2 standards prohibiting retroactive false reporting. 

These furnishers are materially harming my credit profile through inaccurate, re-aged, and unverified data that was NEVER reported in prior versions of my credit file. 

This inaccurate reporting appears retaliatory, arbitrary, and is obstructing my ability to obtain credit.

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 2025-12-04 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: SC

Complaint narrative:
I am filing this complaint because Equifax, XXXX XXXX XXXX, and XXXX XXXX have updated my credit file with false, retroactive, and unverifiable derogatory information, in direct violation of the FCRA ( 15 U.S.C. 1681 et seq. ) and Metro 2 reporting standards. 

On XX/XX/XXXX, I received a notification that a new remark was added to my XXXX XXXX account on Equifax without any prior notice, verification, or consumer communication. This constitutes impermissible and deceptive data modification. 

Additionally, XXXX XXXX suddenly altered over a year of my payment history changing previously reported Current months ( XXXX XXXX XXXX1 and forward ) into Unknown, and adding a new 30 Days Late for XX/XX/year> that was never previously reported. These changes were made years later, without notice, and appear only after I submitted disputes. This is a clear violation of FCRA 611 ( failure to conduct a reasonable investigation ), 607 ( b ) ( failure to maintain maximum possible accuracy ), and Metro 2 standards prohibiting retroactive false reporting. 

These furnishers are materially harming my credit profile through inaccurate, re-aged, and unverified data that was NEVER reported in prior versions of my credit file. 

This inaccurate reporting appears retaliatory, arbitrary, and is obstructing my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: OK

Complaint narrative:
I received a bill from XXXX XXXX claiming that I owe {$360.00} for an order from their company around XX/XX/year>. I have never opened a credit account with XXXX XXXX and I have never received goods or services from XXXX XXXX. I filed a dispute with XX/XX/XXXXand the FTC and the account was removed from my credit report. I also used the account number on the bill to create a web account with XXXX XX/XX/XXXX and I discovered that the person who opened the credit account listed my actual address as the billing address and the products they ordered were sent to an address in Washington. I have never lived in Washington state and I do not know anyone who resides at this address. I recently received a notice of collections from Revco Solutions, acting on behalf of XXXX XXXX to collect this debt. I have filed a police report with the XX/XX/XXXXXXXX Police Department with reportXX/XX/XXXXXXXX. I did not open this account nor have I received goods or services from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IL

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, 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 must allow at least 21 days between the statement date and the payment due 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 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