vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
U.S.C. 1681 ) To Whom It May Concern, I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to report additional violations of my consumer rights related to the furnishing and reporting of inaccurate, outdated, or unauthorized information.

Accounts in Violation The following accounts have been reported to XXXX or more consumer reporting agencies ( Experian, Equifax, TransUnion ) and XXXX violate provisions of the FCRA : XXXX Account XXXX : Credit Card Balance : {$220.00} Date Opened : XX/XX/XXXX Status : Closed XXXX XXXX XXXX  Account Type : Charge Card Balance : {$220.00} Date Opened : XX/XX/XXXX Status : Closed XXXX Account Type : Secured Loan / Installment Loan Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Closed XXXX Account Type : Collection Balance : {$170.00} Date Opened : XX/XX/XXXX Status : Open XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX Status : Open Applicable FCRA Violations These accounts may violate the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : Ensures consumer privacy and mandates fair treatment by reporting agencies.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits furnishing consumer reports without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) : Limits reporting of adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishing information known to be inaccurate or unverifiable.

Additionally, the presence of collection accounts without proper debt validation may violate consumer rights under the FDCPA ( Fair Debt Collection Practices Act ). I have not received any debt validation letters for these accounts, nor have I authorized their reporting.

Requested Resolution I respectfully request : 1. Immediate investigation and removal of the disputed accounts from all credit bureaus.

2. Written confirmation of deletion or correction from furnishers and agencies.

3. Assurance that no future information will be furnished without my explicit consent.

4. Publication of this complaint by the CFPB as part of its public record.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with lates reported as 90 days late in XXXX, XXXX, also lates reported as 120 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with lates reported as 30 days late in XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Mat XXXX, and 60 days late in XX/XX/XXXX. 

These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-08 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am submitting this response to report that Credit Corp Solutions has re-established and is reporting debt that was legally XXXX in my XXXX XXXX XXXX This action is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my XXXX  XXXX  order. 

Specifically : The original accounts were included in my XXXX XXXX XXXX and XXXX on XX/XX/XXXX. 

Credit Corp Solutions has created new account numbers and altered original invoice information to correspond with the new account numbers. This appears to be an attempt to circumvent the reporting requirements and restrictions of the FCRA, which seems to be working. 

By doing so, they have effectively re-aged and re-reported debts that are no longer legally enforceable. This has the effect of misleading credit reporting agencies and third parties about the true status and history of these accounts. 


I have identified XXXX specific accounts where this has occurred : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  now re-reports under XXXXXXXX XXXX XXXX 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now re-reports under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX now reports under XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently received an attempt to collect a debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, referring to the owner of the account Credit Corp Solutions LLC the account referencing is The XXXX XXXX XXXX XXXX XXXXXXXX for {$1900.00} shown above. 

This conduct violates : 11 U.S.C. 524 ( a ) ( 2 ) XXXX discharge injunction.

15 U.S.C. 1681s-2 ( a ) Duty to provide accurate information to consumer reporting agencies.

15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. 


I am requesting that CFPB : 1. Investigate Credit Corp Solutions reporting practices on all my accounts, I only listed the one I feel were urgent. This has been very time consuming trying to make sure I am providing the information needed accurately.

2. Require the immediate deletion of these accounts from my reports, including the ones not listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX this account # is shown on an XXXX invoice  used listing # XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX proving proof changing account numbers.

3. Take enforcement action to prevent future violations. 

Supporting documentation, including proof of my XXXX  discharge and evidence of the altered account numbers and reporting, is attached. I have additional copies of invoices I was provided. Due to limited space I attached only the things needed to validate my complaint Respectfully, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 may 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with lates reported as 30 days late in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 60 days late in XX/XX/XXXX. 

These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I am submitting this complaint for CFPB review regarding a {$30000.00} debt originally owed to Navy Federal Credit Union and subsequently sold to a third-party collection agency now pursuing legal action against me. Based on the following factors, I believe Navy Federals actions led directly to this situation, and the fault does not lie with me : 1. Ignored Attempts to Settle and Seek Assistance : I repeatedly reached out to Navy Federal to negotiate repayment, request hardship options, and propose settlement terms well before the debt escalated. Despite documented attempts, my communications were ignored, and no meaningful help or alternatives were provided. Navy Federals lack of response prevented my ability to resolve the debt responsibly.

2. Unauthorized Payments Made by Navy Federal : During this time, Navy Federal conducted transactions on my credit card without my consent or authorization. These unauthorized payments complicated my financial management and contributed to increased confusion and hardship.

3. Failure to Offer Consumer Relief or Transparency : Rather than working with me directly to address the debt, Navy Federal sold the account to a debt collector. The transition occurred without proper support, clear communication, or any opportunity for me to resolve the matter with the original creditor. This exposed me to litigation and additional costs that could have been entirely avoided.

4. Good Faith Efforts on My Part : Through all stages, I acted in good faithinitiating contact, proposing settlements, and offering transparency about my hardship. The creditors refusal to engage or offer relief meant my situation deteriorated unnecessarily.

5. Direct Responsibility of the Creditor : The escalation to litigation, the confusion from unauthorized account activity, and the absence of consumer assistance are results of Navy Federals practices, not my lack of reasonable effort or intent. Their failure to comply with fair debt collection and consumer protection standards caused the circumstances I now face.

Request for CFPB Intervention : I respectfully ask the CFPB to recognize Navy Federals primary responsibility in this matter and assist in providing relief, including consideration for dismissal of litigation, reversal of unauthorized transactions, and investigation into their debt management practices. I have attached documentation of my correspondence, settlement offers, and evidence of unauthorized transactions to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
CFPB Complaint Statement Unresolved Credit Report Dispute & FCRA Violations I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to resolve multiple disputes I have submitted concerning inaccurate and potentially unverifiable information appearing on my credit reports.

Over the past months, I have repeatedly disputed several unauthorized inquiries, yet the bureaus have failed to take corrective action or provide a legally sufficient response as required under the Fair Credit Reporting Act ( FCRA ).

Instead of conducting a meaningful investigation, the bureaus have issued generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of both 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ). 

Unauthorized inquiries that remain on my credit reports : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX I have specifically requested that the bureaus provide : The exact method and process used to verify these inquiries. 

The full name, title, and contact details of the furnishing entities. 

Any documentation relied upon to confirm the disputed information. 

Despite my requests, none of this information has been provided. These failures show that the bureaus are not following the FCRAs procedural requirements for accuracy and verification.

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 2025-08-08 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: MI

Complaint narrative:
CFPB Complaint Statement Unresolved Credit Report Dispute & FCRA Violations I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to resolve multiple disputes I have submitted concerning inaccurate and potentially unverifiable information appearing on my credit reports.

Over the past months, I have repeatedly disputed several unauthorized inquiries, yet the bureaus have failed to take corrective action or provide a legally sufficient response as required under the Fair Credit Reporting Act ( FCRA ).

Instead of conducting a meaningful investigation, the bureaus have issued generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of both 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ). 

Unauthorized inquiries that remain on my credit reports : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX I have specifically requested that the bureaus provide : The exact method and process used to verify these inquiries. 

The full name, title, and contact details of the furnishing entities. 

Any documentation relied upon to confirm the disputed information. 

Despite my requests, none of this information has been provided. These failures show that the bureaus are not following the FCRAs procedural requirements for accuracy and verification.

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 2025-08-08 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: PA

Complaint narrative:
A fair resolution in this case would be very specific and actionable so the company knows exactly what will settle the matter. 
Based on your letter, youre essentially asking for three things : Fair Resolution Request : Immediate deletion of the XXXX account ( Acct # XXXX ) if the bureau can not produce original creditor documentation specifically a consumer contract with your signature proving the account is yours. 

Removal of all non-account holding inquiries that are more than 30 days old from your credit file. 

Addition of a promotional suppression to your credit file to prevent unwanted offers. 

Written confirmation of the reinvestigation results, including a detailed description of the procedure used to verify the information, provided within the timelines allowed under the FCRA. 

If you want, I can also reword that so it sounds concise but still firm for the What would be a fair resolution? field. That way, it reads clearly to the company and leaves no wiggle room.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
This is my follow up complaint regarding unauthorized and unverifiable information that continues to appear on my credit report, despite my initial dispute and request for validation. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum accuracy of the information included in a consumers file and to remove any data that can not be fully verified or lacks a permissible purpose. 
As outlined by FCRA 604 ( a ), consumer reports may only be provided for specific permissible purposes. Further, as per FCRA 619, it is unlawful to obtain a credit report under false pretenses. Additionally, under FCRA 611 ( a ), you are required to reinvestigate any disputed information and remove any entries that can not be properly verified within 30 days. Despite my prior dispute, you have not provided sufficient verification or documentation to demonstrate that the following accounts and inquiries were authorized by me or obtained in accordance with the law. 
XXXX XXXX Balance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
This is my follow up complaint regarding unauthorized and unverifiable information that continues to appear on my credit report, despite my initial dispute and request for validation. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum accuracy of the information included in a consumers file and to remove any data that can not be fully verified or lacks a permissible purpose. 
As outlined by FCRA 604 ( a ), consumer reports may only be provided for specific permissible purposes. Further, as per FCRA 619, it is unlawful to obtain a credit report under false pretenses. Additionally, under FCRA 611 ( a ), you are required to reinvestigate any disputed information and remove any entries that can not be properly verified within 30 days. Despite my prior dispute, you have not provided sufficient verification or documentation to demonstrate that the following accounts and inquiries were authorized by me or obtained in accordance with the law. 
XXXX XXXX Balance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/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

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