vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXXXXXX because they are reporting XXXX separate credit card accounts under different account numbers to the credit bureaus, but I have only ever had XXXX XXXX account. 

Both accounts show the exact same open date of XX/XX/year>, and both report a {$200.00} credit limit. However, XXXX is listed as paid with a {$0.00} balance ( Account # XXXX ), and the other is reported as a charge-off with a {$130.00} balance ( Account # XXXX ). 

I have contacted XXXX multiple times over the past year to correct this duplicate reporting, but they have failed to resolve the issue. This has negatively affected my credit by inflating my reported debt and causing confusion in my file. 

I am working hard to rebuild my credit, and XXXX reporting error is making that harder. I opened this card with the understanding that it would help me build credit not damage it further through inaccurate reporting. 

I am asking the CFPB to require XXXX XXXX  to immediately delete or merge the duplicate account and correct the information they are furnishing to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXX XXXXXXXX because they are reporting XXXX separate credit card accounts under different account numbers to the credit bureaus, but I have only ever had XXXX XXXX account. 

Both accounts show the exact same open date of XX/XX/year>, and both report a {$200.00} credit limit. However, XXXX is listed as paid with a {$0.00} balance ( Account # XXXX ), and the other is reported as a charge-off with a {$130.00} balance ( Account # XXXX ). 

I have contacted XXXX multiple times over the past year to correct this duplicate reporting, but they have failed to resolve the issue. This has negatively affected my credit by inflating my reported debt and causing confusion in my file. 

I am working hard to rebuild my credit, and XXXX reporting error is making that harder. I opened this card with the understanding that it would help me build credit not damage it further through inaccurate reporting. 

I am asking the CFPB to require XXXX XXXX  to immediately delete or merge the duplicate account and correct the information they are furnishing to the credit bureaus.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Dispute of Derogatory Credit Reporting XXXX  ( Credit Report XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to formally dispute the derogatory information reported on my credit file concerning my XXXX XXXX card account XXXX The report reflects XXXX  activity tied to interest charges that I was unaware of and that occurred after the account was closed. 
During the time these issues arose, I was enduring the XXXX XXXX XXXX XXXX XXXX Understandably, this personal XXXX  limited my ability to monitor my financial accounts and promptly follow up on any irregularities. 
According to XXXX  records, the XXXX  card account was closed in XX/XX/XXXX. I paid the remaining balance of {$1100.00} on XX/XX/XXXX. I was later informed that interest began to accrue on the next statement after that payment. However, since the account was closed and no further transactions occurred, there should not have been a subsequent statement or any additional charges. 
I was never notified of these accumulating interest charges, which increased from {$3.00} to {$23.00}. I only became aware of the balance after requesting a statement, which I received on XX/XX/XXXX. Without a principal balance, I paid the full {$23.00} on that same day ( Confirmation XXXX XXXXXXXX ). I was then informed that a new statement would be issued on XX/XX/XXXX. This is concerning, as it suggests the account XXXX have been reopened without my authorization. 
To my surprise, a XXXX  mark related to these interest charges has been placed on my credit report. I was not contacted regarding any outstanding balances, and I reasonably believed the account was fully closed and settled. 
I respectfully request that this negative reporting be removed from my credit file with XXXX XXXX XXXX XXXX The continued presence of this inaccurate and unjust item is XXXX  XXXX  my XXXX XXXX and financial standing. 
I can provide documentation from the XXXX XXXX verifying my personal circumstances during the time in question, as well as a copy of the statement reflecting the disputed {$23.00} interest balance. 
Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of this error on my credit report. 
Sincerely, 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 monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I'm writing to formally dispute an account currently listed on my credit report that is completely unfamiliar to me. I have never opened, authorized, or had any dealings with this account, and it appears to be erroneously reported under my personal information.

Let me be very clear : this account is unknown to me and does not belong on my report. I do not recognize the creditor, the account number, or any of the associated activity. As such, this is a case of mixed or incorrect data, and it is your responsibility to ensure that only accurate, verifiable information remains on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am sending this complaint to THD/CBNA regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically 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 2025-06-17 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:
I noticed a credit inquiry on my report that I do not recognize or recall approving. Since I did not authorize this, I ask for its deletion and written confirmation once resolved.

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 2025-06-17 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: LA

Complaint narrative:
Im XXXX XXXX, and

Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

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!

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted Navy FCU to advise I did not recognize a transaction posted to my account on XX/XX/year> for {$37.00}. I spoke to 4 different people who refused to assist. I told them I contacted XXXX XXXX XXXX  but they did not have a record of the transaction. The first person said it was a transaction from an apartment complex in Virginia and then another person said it was from a XXXX  game. None of the 4 people were willing to assist. I would just like an investigation opened so future charges will not be authorized. I do not know what this is and I did not give anyone from the cowboys stadium permission to charge my account. They are claiming I authorized the transaction on an old card that was compromised and deactivated. This is a clear Reg Z violation.

From a customer service perspective, everyone I spoke to was rude, condescending and unhelpful. I also need to update my last name due to marriage. The first person randomly emailed me a form with no explanation. When I asked what I need to do she simply told me to " read it ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX XXXX. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX XXXX. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX XXXX. XXXX ( A ) ( XXXX ) : If any party has knowingly or XXXX  furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an account being reported by Mariner Finance on my credit report. I do not recall opening any account with Mariner Finance, and to my knowledge, I have never received any correspondence, statement, or notice informing me of an alleged balance or of this account being charged off. 

This account is now reflecting as a negative item on my credit report, which is damaging to my credit profile. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt, including proof that the account is mine and that the information being furnished is accurate and complete. 

To date, Mariner Finance has failed to provide any of the following : A signed agreement or contract with my name, Billing statements showing the breakdown of the balance, Notification of the charge-off or delinquency, Or any form of written communication or validation sent to my address. 

If Mariner Finance is furnishing information to the credit bureaus, they are legally required under FCRA 607 ( b ) to ensure the maximum possible accuracy of that data. Reporting a charged-off balance without notifying the consumer or providing documentation raises serious concerns about the validity and accuracy of the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am disputing a medical collection account reported by XXXX XXXX XXXX for {$1000.00}. This account was added to my Experian credit report in XX/XX/XXXX, although the medical service dates back to XXXX. I had insurance coverage at the time and paid the required deductible of {$100.00}. I was never notified of any additional balance and did not receive any itemized bill. 

I disputed the account with Experian twice, but it remains on my report with no validation or documentation. XXXX  has already removed the collection from my credit report. Equifax never reported it. 

I believe this account is inaccurate, possibly the result of billing errors or failure to properly process the insurance. I am requesting a full investigation and removal of this unverified collection account.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
They have stated a loan from XXXX XXXX was given to me. However I NEVER RECEIVED ANY MONEY I HAVE ASKED FOR SIGNED DOCUMENTS AND THEY NEVER HAVE SENT THEM OVER. THIS IS BEEN GOING ON FOR 4 YEARS. THEY NEED TO BE HELD ACCORDINGLY FOR FALSE INFORMATION AND RUINING A PERSON CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Maximus Federal Services, Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Notice of Dispute under FCRA 611 ( 15 U.S.C. 1681i ) Creditor : XXXX Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Dear XXXX  : I am writing to dispute the erroneous 90-day late notation appearing on my XXXX credit report for XX/XX/XXXX. The trade line in question is serviced by the XXXX Department of Education/XXXX XXXX XXXX XXXX XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to my records, my payment for that month was posted on XX/XX/XXXX, and no payment was ever more than 30 days past due. 

Under the Fair Credit Reporting Act 611 ( 15 U.S.C. 1681i ), you are required to conduct a prompt and reasonable reinvestigation of any disputed information. Please : Reinvestigate the payment status for XX/XX/XXXX on this account. 
Delete the 90-day late notation if your investigation confirms it is inaccurate. 
Provide me with written confirmation of your findings and an updated credit report reflecting the correction. 
Enclosures : Copy of my XX/XX/XXXX bank statement showing on-time payment ( posted XX/XX/XXXX ) Screenshot of the two-year payment history highlighting the XX/XX/XXXX entry Full copy of my XXXX  credit report with the disputed notation highlighted Please complete your reinvestigation and furnish a written response within 30 days of your receipt of this letter, as required by law. If you verify that the 90-day late notation is inaccurate, you must promptly delete the entry and send me an updated file. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

XXXX XXXX Date of inquiry : XX/XX/2024 XXXX  Date of inquiry : XX/XX/2024 XXXX Inquiry Date : XX/XX/2024 XXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am writing to formally dispute a fraudulent account that was previously removed from my credit report and has now been inappropriately reinserted without proper notice, in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

The account in question was removed after I submitted a FTC Identity Theft Report and a Police Report, which I have attached again for your reference. This reinstatement has occurred without : Proper written notification within 5 business days as required by law, and Evidence showing this account is valid and legitimately mine.

Action Requested : Permanently delete the fraudulent account from my credit file immediately.

Provide written confirmation that the item has been removed.

Do not reinsert this or any related account without full investigation and written notification.

Supporting Documents Attached : FTC Identity Theft Report Police Report Previous dispute confirmation Please consider this formal notice under FCRA and ensure my rights are fully honored. If this matter is not resolved within 15 days, I will escalate to the Consumer Financial Protection Bureau ( CFPB ), state Attorney General, and pursue further legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief