vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
XXXX  ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

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 2025-10-03 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MO

Complaint narrative:
To whom it may concern, I am aiming to dispute the collections given to me from tekcollect, which is claimed to be originally coming from XXXX. As we know, XXXX has filed for XXXX XXXX XXXX on XX/XX/XXXX. I originally ordered around XXXX of XXXX, and i turned XXXX on XX/XX/XXXX. Being i was still a XXXX, the collections didnt hit until XX/XX/XXXX aswell. I have made a recent payment of {$1000.00} to tekcollect as a attempt to pay off my dues, which never processed for them but was taken out of my account and charged to me. Given, not only am I now down {$1000.00}, I still supposedly owe the original {$1600.00}. Alongside all of this, the reason I was originally paying for XXXX was for doctor assistance and to keep up with my XXXX. My teeth are not straight, which is faulty in product and makes the whole process pointless and a waste of money. Correction was not accessible as they went bankrupt. 

Given all of that as background, I am requesting the following : Validation of the debt, proof that I legally owe this to tekcollect. A original signed agreement and detailed payment history. 
Proof of their legal right to collect : Documentation showing this debt was legally passed off to tekcollect and that it was indeed not discharged through XXXX bankruptcy. 
Proof that the debt is still enforceable : some sort of statement confirming that the debt has not been discharged or rendered uncollectible due to XXXX bankruptcy. 

Please provide valid proof of this debt, or I request that it be disputed. If this debt is continued to be reported and I dont recieve validation for it, I will file disputed with my state 's Attorney General, and the Federal Trade Commission ( FTC ) for potential violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
Please provide the requested information within 30 days of receiving this notice. If you fail to do so, I will assume this debt is invalid and will demand its immediate removal from my credit report. 
Sincerely, XXXX XXXX.

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 2025-10-03 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: SC

Complaint narrative:
Investigate and correct the reporting of the XXXX  account so all bureaus report it uniformly ( as Paid as Agreed ). 

Verify or delete the collections that are inconsistently reported across bureaus. 

Provide documentation of how the bureaus and furnishers verified the information.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding TransUnions ongoing failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated disputes, TransUnion has refused to properly investigate fraudulent accounts that were opened in my name while I was incarcerated. Specifically : 1. XXXX XXXX Bank XXXX Account fraudulently opened. 
2. XXXX XXXX XXXX Account fraudulently opened. 

I provided documentation of my incarceration during the time these accounts were opened, which proves that I could not have been the applicant. TransUnion has repeatedly dismissed my disputes without conducting a proper reinvestigation, in direct violation of FCRA 611 ( 15 U.S.C. 1681i ). 
In addition to the fraudulent accounts, TransUnion continues to allow unauthorized inquiries on my credit file despite the fact that I have both an active fraud alert and a credit freeze in place. Recent inquiries include : XXXX XXXX XXXX XXXX Three separate inquiries, one each month for the past three months. 

XXXX  XXXX Unauthorized inquiry. 

Bank of XXXX Unauthorized inquiry. 

XXXX XXXX  Unauthorized inquiry. 

I want to make clear that I have never applied for a mortgage in my 38 years of life, yet an inquiry from XXXX XXXX  appeared on my TransUnion credit report. This is highly concerning and strongly indicates that my personal information is still being used fraudulently. 

TransUnions continued refusal to remove these fraudulent accounts and inquiries is damaging my credit, preventing me from moving forward with financial stability, and causing unnecessary hardship. I am requesting CFPB oversight and enforcement to ensure that : TransUnion immediately removes the fraudulent accounts ( XXXX XXXX Bank XXXX and XXXX XXXX XXXX ) from my credit file. 

TransUnion permanently deletes all unauthorized inquiries, including those from XXXX XXXX, XXXX XXXX XXXX Bank of XXXX, and XXXX XXXX. 

TransUnion complies with the FCRA by conducting proper reinvestigations when consumers provide valid evidence, such as proof of incarceration. 

I am requesting that CFPB hold TransUnion accountable for their repeated violations and require corrective action. 

Thank you for your attention to this matter. Please contact me if further documentation is needed. 
Sincerely, 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 2025-10-03 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: MA

Complaint narrative:
I am submitting this third follow-up complaint because my credit file continues to reflect inaccurate and disputed information despite my prior disputes. The fact that these items remain shows a failure to comply with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I am not asking for simple corrections. I am demanding a fair and lawful resolution, which is the permanent removal of these harmful and unverifiable items. My report still shows an inaccurate address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX. This address does not belong to me and its continued presence is misleading, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy. I also continue to see multiple charged-off Capital XXXX accounts reported inaccurately : XXXX XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$970.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$390.00}. * * These accounts are either duplicated or unverifiable. Reporting them as charged-off without proper validation violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Lastly, an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX remains on my file even though it was specifically included in my dispute. The failure to reinvestigate and remove this violates FCRA 611 ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). My report reflects inaccurate personal information, including the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, which are not associated with me. In addition, there are several accounts inaccurately reported as late closed, such as XXXX XXXXXXXX XXXX XXXX XXXX ( repeatedly listed with a status of late 120 days despite showing a {$0.00} balance ), and XXXX XXXX XXXXXXXX XXXX XXXX  reported as late 30 days in XX/XX/XXXX * as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported late 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, and 90 days in XX/XX/XXXX *. These late payment notations are inaccurate and misleading. Furthermore, charge-off accounts are being reported inaccurately, including XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} *. 

These errors are clear violations of FCRA 602 ( 15 U.S.C. 1681 ), which ensures accuracy and fairness in credit reporting, FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate or unverifiable information and requires consumer reporting agencies to conduct a reasonable reinvestigation, and FCRA 623 ( 15 U.S.C. 1681s-2 ), which obligates furnishers of information to provide data that is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). My report reflects inaccurate personal information, including the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, which are not associated with me. In addition, there are several accounts inaccurately reported as late closed, such as XXXX XXXXXXXX XXXX XXXX XXXX ( repeatedly listed with a status of late 120 days despite showing a {$0.00} balance ), and XXXX XXXX XXXXXXXX XXXX XXXX  reported as late 30 days in XX/XX/XXXX * as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported late 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, and 90 days in XX/XX/XXXX *. These late payment notations are inaccurate and misleading. Furthermore, charge-off accounts are being reported inaccurately, including XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} *. 

These errors are clear violations of FCRA 602 ( 15 U.S.C. 1681 ), which ensures accuracy and fairness in credit reporting, FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate or unverifiable information and requires consumer reporting agencies to conduct a reasonable reinvestigation, and FCRA 623 ( 15 U.S.C. 1681s-2 ), which obligates furnishers of information to provide data that is accurate and not misleading.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
This complaint concerns my U.S. Bank [ XXXX XXXX ] account ending in XXXX. XXXX  continues to display stale, inaccurate data on this account. The last update shows as XX/XX/year>, even though XXXX  and XXXX  both report the account with current balances and recent activity. 

On XX/XX/year>, I faxed a formal request to U.S. Banks Consumer Recovery Department at XXXX asking for an off-cycle XXXX  XXXX update to XXXX. My fax included my full account information and a copy of my XXXX  report highlighting the inaccuracy. U.S. Bank has not corrected the reporting and has not provided confirmation of any action taken.

This failure to update violates FCRA 1681e ( b ), which requires furnishers to provide accurate and up-to-date information. Because XXXX  is still showing a XX/XX/year> balance, my FICO scores are unfairly depressed, harming my ability to qualify for mortgage financing at the best rates.

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 2025-10-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX ( Date ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Complaint Against Preferred Credit for FDCPA Violation To Whom It May Concern : I am submitting this complaint against Preferred Credit for violating the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. 

On my on XX/XX/XXXX, I received an email stating that my complaint had been rejected and identity was verified____so I am filing a second complaint on this date XX/XX/XXXX XXXX, I received a communication regarding an alleged debt. On that debt was fraudulently made by a salesman from XXXX XXXX XXXX who use a variety of peoples information to up his sales and was eventually caught XXXX XXXX XXXX  has removed this item from my credit the perpetrator in this crime obviously had someone on the inside of preferred credit to be able to get the loan approved without my signed authorization__I XXXX XXXX XXXX , I mailed a debt validation request via certified mail, requesting verification, original creditor information, and supporting documentation. 

The collector has failed to provide proper validation and has continued collection activity, including : _________________________ _________________________ I request the CFPB investigate this matter and take appropriate enforcement action to ensure compliance with federal law and cessation of unlawful activity. 

Enclosures : Copy of validation request Certified mail receipt Any collector correspondence Sincerely, XXXX XXXX XXXX ( Signature ) XXXX XXXX XXXX XXXX ( Contact Info )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally document and demand immediate deletion of the above-referenced account. This correspondence addresses a recent attempt to manipulate my credit file on XX/XX/year>, which occurred after I had already submitted a dispute and provided complete supporting documentation through the CFPB portal. 

How I Was Alerted : On XX/XX/year>, I received a notification from XXXX  that this account had been updated with a new charge-off indicator and altered payment/interest history. This activity was unusual because : The account had already been placed in dispute status, meaning no new derogatory data should have been added under the FCRA. 

XXXX alert specifically showed that payment dates, interest, and comments were being altered back and forth, which is consistent with an attempt to reset or reclassify the account to delay or avoid deletion. 

Incident Overview : On XX/XX/year>, XXXX XXXX reported a new delinquency and interest on this account during an active dispute, violating 15 U.S.C. 1681i. 

On XX/XX/year>, the account was updated again this time removing Fixed Rate while leaving Charge Off and dispute status intact in a way that suggests deliberate manipulation. 

These updates occurred despite full documentation provided to both Equifax and the CFPB, showing clear inconsistencies in XXXX XXXX  reporting, including : Interest miscalculations vs. the original contract. 

Historical documentation errors, such as debt validation letters predating the loan. 

Legal Considerations : Under 15 U.S.C. 1681i, once a consumer disputes inaccurate information, the bureau must investigate and delete or correct the information. 

FCRA protections allow deletion without waiting the standard 30 days, particularly when evidence of violations is clear. 

The XX/XX/XXXX activity demonstrates willful reporting inconsistencies by the furnisher, which increases regulatory and legal exposure if not corrected. 

Demand : Given the above, I formally demand : Immediate deletion of this account from my credit file. 

Written confirmation of deletion, including the date and time of action.

Assurance that no reinsertion of the account will occur without proper verification per FCRA and my express written consent. 

Please treat this as a formal notice to your compliance/legal team. I request a response within 10 business days confirming deletion.

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 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Right now they said that they are getting sued and they are blowing up my phone

Company response to consumer: Closed with explanation