vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i and 1681s-2, which require consumer reporting agencies and furnishers to maintain maximum possible accuracy. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Here are the issues noted : Equifax is reporting a credit limit of {$0.00} and a balance owed of {$490.00}, which is inconsistent with both XXXX  and Experian, which accurately reflect a {$4600.00} credit limit and {$3900.00} balance. 
The payment status is listed as XXXX, yet prior remarks indicate there was a dispute, implying there XXXX have been previously reported late payments that were never accurate or have been corrected. This inconsistency affects my creditworthiness. 
Under XXXX XXXX XXXX XXXX ( b ), the bureaus are required to maintain reasonable procedures to assure maximum possible accuracy. These conflicting reports demonstrate a failure in doing so. 

Additionally XXXX History Shows OK but Late Payments Are Still Reported : As shown in my attached screenshots, both XXXX  and Experian reflect consistent OK payment history for the past XXXX months with no missed or late payments visually shown. 
Despite this, Experian and Equifax are reporting XXXX late payment ( 30 days ) each in the XXXX summary. This is inaccurate and misleading. 
Equifax is missing 24 months of payment history entirely, yet still reports a XXXX latethis violates the requirement of maximum accuracy. 
XXXX of XXXX XXXX. XXXX ( b ) : The information must be complete and accurate. The presence of XXXX across all months or blank months confirms there were no late payments, yet a derogatory remark is present in your summary. 
XXXX of XXXX XXXX. XXXX ( a ) : Once notified of a dispute, the bureau must conduct a reasonable reinvestigation. This includes checking with the data furnisher ( XXXXXXXX XXXX XXXX XXXX and correcting or deleting inaccurate data if not verified. 

I am requesting the immediate removal of any and all late payments associated with this account, and a correction to reflect accurate balance, credit limit, and payment history uniformly across all bureaus.

Please conduct a full reinvestigation as required under 15 U.S. Code 1681i and send me written confirmation of the corrections or deletions made. Attached are supporting screenshots showing these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
I am writing to formally dispute inaccurate information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i and 1681s-2, which require consumer reporting agencies and furnishers to maintain maximum possible accuracy. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Here are the issues noted : Equifax is reporting a credit limit of {$0.00} and a balance owed of {$490.00}, which is inconsistent with both XXXX  and Experian, which accurately reflect a {$4600.00} credit limit and {$3900.00} balance. 
The payment status is listed as XXXX, yet prior remarks indicate there was a dispute, implying there XXXX have been previously reported late payments that were never accurate or have been corrected. This inconsistency affects my creditworthiness. 
Under XXXX XXXX XXXX XXXX ( b ), the bureaus are required to maintain reasonable procedures to assure maximum possible accuracy. These conflicting reports demonstrate a failure in doing so. 

Additionally XXXX History Shows OK but Late Payments Are Still Reported : As shown in my attached screenshots, both XXXX  and Experian reflect consistent OK payment history for the past XXXX months with no missed or late payments visually shown. 
Despite this, Experian and Equifax are reporting XXXX late payment ( 30 days ) each in the XXXX summary. This is inaccurate and misleading. 
Equifax is missing 24 months of payment history entirely, yet still reports a XXXX latethis violates the requirement of maximum accuracy. 
XXXX of XXXX XXXX. XXXX ( b ) : The information must be complete and accurate. The presence of XXXX across all months or blank months confirms there were no late payments, yet a derogatory remark is present in your summary. 
XXXX of XXXX XXXX. XXXX ( a ) : Once notified of a dispute, the bureau must conduct a reasonable reinvestigation. This includes checking with the data furnisher ( XXXXXXXX XXXX XXXX XXXX and correcting or deleting inaccurate data if not verified. 

I am requesting the immediate removal of any and all late payments associated with this account, and a correction to reflect accurate balance, credit limit, and payment history uniformly across all bureaus.

Please conduct a full reinvestigation as required under 15 U.S. Code 1681i and send me written confirmation of the corrections or deletions made. Attached are supporting screenshots showing these discrepancies.

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 2025-07-20 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: FL

Complaint narrative:
I am disputing multiple inaccurate or unverifiable accounts on my credit report that are negatively affecting my credit profile. These include credit card and loan accounts reported by various companies such as XXXX, XXXX  XXXX XXXX, XXXX XXXX, and others. 

On XX/XX/year>, I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under 15 U.S.C. 1681e ( b ), requesting an investigation and removal or correction of the inaccurate data. 

I requested verification of each account and validation of the amounts and statuses reported. I also asked for the names and addresses of the data furnishers. 

As of today, I have not received a satisfactory response, and the inaccurate items remain on my credit reports. I am now filing this complaint with the CFPB to ensure my dispute is taken seriously and resolved in compliance with the Fair Credit Reporting Act.

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 2025-07-20 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: FL

Complaint narrative:
I am disputing multiple inaccurate or unverifiable accounts on my credit report that are negatively affecting my credit profile. These include credit card and loan accounts reported by various companies such as XXXX, XXXX  XXXX XXXX, XXXX XXXX, and others. 

On XX/XX/year>, I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under 15 U.S.C. 1681e ( b ), requesting an investigation and removal or correction of the inaccurate data. 

I requested verification of each account and validation of the amounts and statuses reported. I also asked for the names and addresses of the data furnishers. 

As of today, I have not received a satisfactory response, and the inaccurate items remain on my credit reports. I am now filing this complaint with the CFPB to ensure my dispute is taken seriously and resolved in compliance with the Fair Credit Reporting Act.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Somebody said they tracked a person down to my residence by way of a vehicle that is not on the property. Representative would not give any information but attempted to get my wife and to sign papers regarding things we knew nothing about. Collector sat in front of my home for extended period of time. Wife inquired about what was going on but person did not give details. Agent attempted to acquire personal information of wife as well as myself. Had a notebook and recorder. We told her to leave and she sat in car in front of house waiting for something, but I don't know what. All I know she said she was from a XXXX called " XXXX XXXX XXXX '' out of XXXX colorado. Apparent their agents look for certain vehicles and follow the person who supposedly owns that vehicle around. There was no XXXX XXXX on property as she was describing. Why and what was this person stalking me for? I am requesting to never be contacted by this harrassing company again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PR

Complaint narrative:
Strong Dispute Case : XXXX. Unverified Account : I already disputed this with XXXX Experian and they confirmed no evidence was received from XXXX. Per FCRA XXXX, this must be deleted. 
XXXX. Continued Reporting After Non-Verification : Under FCRA XXXX ( b ) ( XXXX ) ( C ), XXXX can not continue reporting a charged-off debt if they don't respond with proof during a dispute. 
XXXX. Outdated or Misleading Reporting : The account is marked " open, '' but also shows " profit and loss write-off '', still reporting on my credit report which typically indicates a closed and charged-off account. This inconsistency could also violate FCRA XXXX ( b ), which requires maximum accuracy. 
XXXX. No Monthly Payment Listed : This may indicate the debt is no longer actively being collected and are reported recently to my credit report. 
XXXX. Mark your Disputes as Frivolous to avoid their inconsistency and lack of accountability. 
XXXX Letters sent requesting to send in written and supporting documentation proof of the investigation never received.

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I am writing to formally respond to Amex 's denial of my dispute under the XXXXday billing error rule. While I understand Regulation XXXX  XXXX ( b ) requires consumers to report billing errors within XXXX days, I believe this requirement is not applicable in this case due to the nature of the transaction. 
The charge in question relates to a future delivery of goods ( through a XXXX campaign ) which had an estimated delivery date several months after the charge date. This date continues to be pushed out. Under Regulation XXXX  XXXX ( c ), cardholders retain the right to assert claims and defenses against the issuer when a merchant fails to deliver goods or services, particularly when the purchase was made by internet or mail, which waives the geographic restriction. ( This claim is similar to if I had purchased a flight XXXX months in the future but the airline canceled the flight without refunding me. I would not have known within XXXX days of the charge hitting my statement that I would not receive the service [ flight ] from the airline that is still XXXX months in the future. ) I attempted to resolve this dispute with the campaign organizer directly ( both via email and via message on XXXXXXXX XXXX website ) and only initiated this claim when it became clear that the product would not be delivered as promised. Since the product has still not been delivered, I am asserting my rights under XXXX ( c ) and request that you reconsider your position accordingly. 
Please note that I am not asserting a billing error under XXXX, but a claims and defenses dispute under XXXX ( c ). Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681.

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 2025-07-20 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: NC

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
Starting in XX/XX/year> I started disputing the inaccuracies I found on all XXXX of my credit reports. I did a round of XXXX disputes and after each round I was notified that my disputes were updated and verified with no proof of investigations. I received only this information via email. I am filing my first complaint with hopes that I will receive the appropriate assistance in helping remove innacurate information from my credit report that is effecting my credit worthiness. The proof of my disputes will be provided.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2025 I sent a letter regarding inaccurate and unknown things on my credit report.to this day over 30 days later I have not received a response yet.i feel like I'm being taken advantage of and being ignored of my dispute.section 612 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report its has been over 30 days so they should be a deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2025-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NV

Complaint narrative:
My loans are deferred at this time likely until about XX/XX/year> since I was just in school. I just graduated recently. I made payments ( XX/XX/year> XXXX ), ( XXXX XXXX for XXXX ) and XXXX XXXX for ( XXXX ). All these payments were made on the Ed financial website and collected from my bank immediately and none have posted to my Ed financial loan which I specified to go towards my highest balance loan since XXXX accumulating interest with it being a graduate loan and wanting to pay it off sooner. I noticed this in late XXXXXXXX XXXX XXXX  as I was going to make another payment and realized upon looking at my transaction history that something seemed off. I contacted them and they directed me to upload proof on their website which lets you choose a file but then when you click upload it brings you to an error page. So I sent in my proof in the mail weeks ago and still have no update to my account. Upon looking this up online it seems like many people are having issues when sending a payment ed financial on loans that are not in repayment. It is concerning because the best course of action would be to pay your loans off while they are deferred, but who wants to make a payment when your financial institution is taking your money and not applying it to your loan. Having to show proof when the payment was made on their own website is scary. XXXX scared to even make a payment until my loans arent deferred anymore as I didnt have issues with this until my loans were deferred as other people have pointed out online as well. It makes me wonder are they doing this on purpose so they can make more interest off of people. Surely my loans have accumulated more interest as these payments havent been applied. Without the confidence of their payment system working correctly I XXXX wait to make any additional payments until my loans arent deferred in repayment as to avoid this issue again. They also arent providing monthly statements during deferment so its hard to know how much interest is accumulating monthly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), data furnishers such as XXXX XXXX XXXX are legally required to follow reasonable procedures to assure maximum possible accuracy of the information you report about consumers. The account you have reported fails to meet that standard, and it is causing unjust harm to my credit profile. This company is reporting an account that they have bought from another collector and reporting inaccuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), data furnishers such as XXXX XXXX XXXX are legally required to follow reasonable procedures to assure maximum possible accuracy of the information you report about consumers. The account you have reported fails to meet that standard, and it is causing unjust harm to my credit profile. This company is reporting an account that they have bought from another collector and reporting inaccuracy on my credit report.

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 2025-07-20 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), data furnishers such as XXXX XXXX XXXX are legally required to follow reasonable procedures to assure maximum possible accuracy of the information you report about consumers. The account you have reported fails to meet that standard, and it is causing unjust harm to my credit profile. This company is reporting an account that they have bought from another collector and reporting inaccuracy on my credit report.

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