vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA 602, 607 ( b ), 609, and 611 I am writing to dispute inaccurate and incomplete information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 602 ( A ), consumers are entitled to fair and accurate reporting, and under FCRA 607 ( b ) and 611, credit bureaus are required to maintain maximum possible accuracy and correct any errors after being notified. 
XXXX. XXXX Account ( Potentially Negative ) This account was paid in full and should not display as potentially negative or unpaid. Reporting a paid account as derogatory violates FCRA 607 ( b ), which mandates data furnishers and credit bureaus to maintain accurate and complete records.

I am demanding that this account be corrected to reflect : Paid in Full Closed/Zero Balance Removal of any negative payment remarks.

If Verizon has reported otherwise, that constitutes inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ). 
I am disputing the continued reporting of late payments from XXXX. Experian has repeatedly claimed this information is verified, yet I have not been provided any actual validation, such as a copy of a signed contract or original billing statement with my signature proving I agreed to or missed any specific payment dates. 
Under FCRA 611 ( a ) and 623 ( b ), Experian is required to conduct a reasonable reinvestigation and provide verification from the original furnisher that includes documentation, not just an automated confirmation. If Experian can not produce signed or verifiable records showing that these alleged late payments occurred, they must delete the information under FCRA 611 ( a ) ( 5 ).

Continuing to report unverified information violates FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ) and constitutes willful noncompliance under 616 and 617.

Until Experian can provide proper validation with my signature or contractual evidence, I am demanding that all negative payment history from XXXX be deleted immediately from my file.

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 2025-10-16 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: TN

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to XXXX  on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), XXXX  has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. XXXX  has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX BALANCE : {$5700.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2025-10-16 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:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws.

This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX You Are Now in Violation of Multiple Federal Laws : FCRA 1681e ( b ) You must report only accurate and complete information. Reporting a late payment without verifying proper notice is inaccurate.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report responsibly. Reporting a consumer late without notice is irresponsible and unlawful.

FCRA 1681i ( a ) You are required to reinvestigate disputed items. If no supporting documentation exists, the item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! UNAUTHORIZED INQUIRY PLEASE DELETE
: 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
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX has reported a charge-off account to Experian Bureau without providing any proper written notice of alleged debt, which violates my rights under the Fair Credit Reporting Act ( FCRA ). I was never notified or given the opportunity to validate or dispute the debt before it was added to my credit report. When I requested validation, XXXX failed to provide documentation proving the existence, amount, or original date of the debt. Reporting unverified and um-validated information to a credit bureau constitutes inaccurate and incomplete reporting under FCRA 623 ( a ). I am requesting that the CFPB investigate and require XXXX and Experian to remove this unverifiable charge-off from my credit report immediately. 
This is the only documentation XXXX provided in response to my request for validation. As shown, it is an internal ledger that does not include a copy of my lease, an itemized explanation of charges, proof of the original delinquency date, or any prior notice of intent to report to Experian Rent Bureau. This document does not satisfy the requirements for proper debt validation or notice under the Fair Credit Reporting Act. ( 15 U.S.C. 1692g ) There must be an original signed lease, itemized accounting of all charges ( rent, damages, late fees etc ), proof of right to collect debt, and original date of delinquency.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All of my chase credit cards were suddenly closed on XX/XX/year> including cards with high annual fees. 
This kind of sudden closure caused issues and frustration since I only carried XXXX cards and they both were chase. 
Also, this could also create serious issues if someone was traveling abroad. 

Annual fees should also be prorated if the applicant was only able to use the card for XXXX months. It is not fair for the applicant to pay a high annual fee and suddenly have the account closed if there are no illegal activities. 

We need some kind of grace period / advance notice system to let users know if the bank feels they need to close all the accounts assuming there were no illegal activities. 

When calling Chase card member services, it was mentioned the application is able to submit an appeal after 30 days but this letter states nothing about any appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Ongoing Improper Reporting, Discrimination, and XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative, I am filing this complaint to address continued inaccurate and discriminatory credit reporting XXXX XXXX XXXX XXXX This account was marked as verified as accurate by the credit bureaus despite my prior disputes and without any provision of original documentation, signed agreement, or account statements linking me to the alleged debt. 
The reinvestigation results violate the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), which requires a reasonable and documented review rather than automated verification.

I also believe I am being targeted and discriminated against by affiliated furnishers, as these entities have repeatedly reported or sold unverifiable debts associated with my name. This appears to be a coordinated pattern of unfair or unequal treatment in violation of FCRA 602 ( a ) and consumer protection standards. 
For validation purposes, my legal name is XXXX XXXX XXXX, as shown on the attached copy of my drivers license. All future correspondence, verifications, or reinvestigations should reflect this name. 
Requested Actions : Require the credit bureaus and furnishers to provide full verification and documentation from the original creditor ( XXXX XXXX XXXX ). 
XXXX all credit reporting agencies to delete unverifiable or duplicative entries. 

Thank you for your review and intervention in ensuring fair and lawful treatment under the FCRA and CFPBs consumer protection authority. 

Copy of Drivers License ( Legal Name : XXXX XXXX XXXX XXXX Credit Bureau XXXX Report 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
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
This account is not mine and is being reported inaccurately on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Incorrect information on reporting such as amounts across bureaus -Wrong reporting between dates. 
-Debt not owe to collector, never done business with debt collector. 
-Requested official documents ( no copies ), time and date where I supposedly made business with them with signatures dates stamped. 
-Using wrong address, Name on documentation. 
-FCRA section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I did not authorize this inquiry, and I had no contact with the lender on that 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 2025-10-16 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: VA

Complaint narrative:
* RE : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX To Whom It XXXX Concern, I am disputing the accuracy of the following account appearing on my credit file : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank XXXX. 

This tradeline is reported inaccurately, inconsistently, and unlawfully, in violation of the Fair Credit Reporting Act. Grounds for Dispute XXXX. Unverifiable Delinquencies FCRA Section 611 ( 15 U.S.C. Section 1681i ) : This account reflects lates extending past the last recorded activity, which can not be independently verified. Unless Transunion, Equifax or Experian obtains original, verifiable documentation from XXXX XXXX, this account must be deleted. 

XXXX. Contradictory Status & Dates FCRA Section 607 ( b ) : The account reflects a current balance while marked Over 120 Days Past Due, and the reported Date of First Delinquency does not align with the payment history. This is materially inaccurate and misleading. 

XXXX. Accoriding to The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), ( b ), and 1681i. And The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, 1692f, 1692g. I Demand chain of custody documents -The original creditor. 
-The date and details of assignment/sale. 
-That they have legal title to the debt.

4. Failure of Furnisher Duties FCRA Section 623 ( a ) ( 1 ) ( A ) : LVNV FUNDING LLC has failed its statutory obligation to ensure accuracy in reporting, as the tradeline continues to show contradictory and unverifiable data. Demand for XXXX XXXX to FCRA Section 611, I demand that this account be permanently deleted from my credit file unless full, verifiable account documentation is produced within 30 days. Generic electronic data transmissions or unverifiable records are not legally sufficient. Failure to comply will result in formal complaints to the CFPB, FTC, and Virginia Attorney Generals Office, and pursuit of civil remedies under FCRA Section 616617 for negligent or willful noncompliance.

- If XXXX XXXX XXXX XXXXails to provide any of the information requested. I demand the complete deletion from my credit report. 

I expect written confirmation of deletion or reinvestigation results within 30 days. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
* RE : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX To Whom It XXXX Concern, I am disputing the accuracy of the following account appearing on my credit file : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank XXXX. 

This tradeline is reported inaccurately, inconsistently, and unlawfully, in violation of the Fair Credit Reporting Act. Grounds for Dispute XXXX. Unverifiable Delinquencies FCRA Section 611 ( 15 U.S.C. Section 1681i ) : This account reflects lates extending past the last recorded activity, which can not be independently verified. Unless Transunion, Equifax or Experian obtains original, verifiable documentation from XXXX XXXX, this account must be deleted. 

XXXX. Contradictory Status & Dates FCRA Section 607 ( b ) : The account reflects a current balance while marked Over 120 Days Past Due, and the reported Date of First Delinquency does not align with the payment history. This is materially inaccurate and misleading. 

XXXX. Accoriding to The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), ( b ), and 1681i. And The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, 1692f, 1692g. I Demand chain of custody documents -The original creditor. 
-The date and details of assignment/sale. 
-That they have legal title to the debt.

4. Failure of Furnisher Duties FCRA Section 623 ( a ) ( 1 ) ( A ) : LVNV FUNDING LLC has failed its statutory obligation to ensure accuracy in reporting, as the tradeline continues to show contradictory and unverifiable data. Demand for XXXX XXXX to FCRA Section 611, I demand that this account be permanently deleted from my credit file unless full, verifiable account documentation is produced within 30 days. Generic electronic data transmissions or unverifiable records are not legally sufficient. Failure to comply will result in formal complaints to the CFPB, FTC, and Virginia Attorney Generals Office, and pursuit of civil remedies under FCRA Section 616617 for negligent or willful noncompliance.

- If XXXX XXXX XXXX XXXXails to provide any of the information requested. I demand the complete deletion from my credit report. 

I expect written confirmation of deletion or reinvestigation results within 30 days. 

Sincerely

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