vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XXXX 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 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$2400.00}. 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 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Fraudulent inquiries on my credit report needs to be removed due to code 15 usc 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Fraudulent inquiries on my credit report needs to be removed due to code 15 usc 1681 c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Im submitting this complaint regarding an inaccurately reported 30-day late payment from XXXX XXXX  on my account ( Account # : XXXX XXXX XXXX XXXX ). 

Heres what happened : I submitted my payment before the due date. However, the payment wasnt posted until the following day and XXXX reported it as 30 days late. When I called to have this corrected, they acknowledged the timing but refused to make the change, stating I had to go through a formal dispute process. 

I shouldnt be penalized for something that wasn't truly late especially when its clear the delay was processing-related, not a failure on my part. This report is now unfairly dragging down my credit score at a critical time. Im a single mother of two, just coming out of a divorce, and Im working hard to secure a stable future for my family, including purchasing a home. This type of mistake can be the difference between being approved or denied. 

I respectfully ask for your help in reviewing this issue and holding XXXX XXXX accountable to correct whats been inaccurately reported.

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 2025-05-22 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: GA

Complaint narrative:
To Whom It May Concern, Im submitting this complaint regarding an inaccurately reported 30-day late payment from XXXXXXXX XXXX on my account ( Account # XXXX XXXX XXXX XXXX XXXXXXXX ). 

Heres what happened : I submitted my payment before the due date. However, the payment wasnt posted until the following day and XXXX reported it as 30 days late. When I called to have this corrected, they acknowledged the timing but refused to make the change, stating I had to go through a formal dispute process. 

I shouldnt be penalized for something that wasn't truly late especially when its clear the delay was processing-related, not a failure on my part. This report is now unfairly dragging down my credit score at a critical time. Im a single mother of two, just coming out of a divorce, and Im working hard to secure a stable future for my family, including purchasing a home. This type of mistake can be the difference between being approved or denied. 

I respectfully ask for your help in reviewing this issue and holding XXXX XXXX accountable to correct whats been inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
To Whom It May Concern, Im submitting this complaint regarding an inaccurately reported 30-day late payment from XXXXXXXX XXXX on my account ( Account # XXXX XXXX XXXX XXXX XXXXXXXX ). 

Heres what happened : I submitted my payment before the due date. However, the payment wasnt posted until the following day and XXXX reported it as 30 days late. When I called to have this corrected, they acknowledged the timing but refused to make the change, stating I had to go through a formal dispute process. 

I shouldnt be penalized for something that wasn't truly late especially when its clear the delay was processing-related, not a failure on my part. This report is now unfairly dragging down my credit score at a critical time. Im a single mother of two, just coming out of a divorce, and Im working hard to secure a stable future for my family, including purchasing a home. This type of mistake can be the difference between being approved or denied. 

I respectfully ask for your help in reviewing this issue and holding XXXX XXXX accountable to correct whats been inaccurately reported.

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 2025-05-22 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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 explanation
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 

1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You did not conduct investigation nor does this account belong to me and is not my responsibility. Please remove from my credit report. 

XXXX XXXX # XXXX This account does not belong to me. This account is not my responsibility. Please remove from my report. 

XXXX XXXX XXXX XXXXXXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX XXXX XXXX XXXX XXXX This account can not have a monthly payment as there is no agreement between collection agency and myself. Please remove this inaccurate information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account can not have a monthly payment as there is no agreement between collection agency and myself. Please remove this inaccurate information. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: RI

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 non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Over the past four months, I have disputed the reporting of a charged-off XXXX XXXX XXXX XXXX XXXX with XXXX, Equifax, and XXXX. Despite submitting three separate rounds of formal disputes directly to all three credit bureaus and to XXXX, the account continues to be reported with major inaccuracies that have not been corrected. 

Key dates and actions : Account charged off : Previously reported by XXXX XXXX XXXX, open date XX/XX/XXXX. 

Dispute letters sent : Three rounds between XXXX and XX/XX/XXXX to all credit bureaus and XXXX, each time citing specific errors. 

Company and bureau responses : All responded with Dispute Resolved Consumer Disagrees, but no corrections or deletions have been made. 

Ongoing inaccuracies include : Inconsistent Last Activity Dates : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Each bureau lists a different date of last activity for the same account, which is a violation of the Fair Credit Reporting Act ( FCRA ) requirement for consistent and accurate data. 

Balance Exceeds High Credit Limit : All three bureaus report a current balance of {$16000.00}, while the highest balance reported is only {$15000.00}. 
It is mathematically impossible for the charge-off balance to exceed the highest balance unless fees are itemized, which they are not. This discrepancy has been repeatedly brought to their attention and not resolved. 

Conflicting Payment Histories : XXXX reports a mix of on-time payments, several late payments, and charge-offs. 

Equifax shows 40 consecutive months of charge-offs. 

XXXX  shows a charge-off with no late payments or payment history at all ( XXXX ). 
The three credit bureaus display entirely different payment histories for the same loan, violating the FCRAs accuracy and consistency requirements. 

Disputes Marked Resolved Consumer Disagrees : Each bureau and XXXX responded to my disputes with this remark, yet continue to report the same inaccurate and inconsistent information without correction. 
Because prior investigations have already been completed and the errors remain, this constitutes willful noncompliance and a continued violation of the FCRA. 

Impact : These repeated reporting errors and failures to correct have caused substantial harm, including denial of new credit and inability to qualify for a mortgage, despite my proactive efforts to resolve the issue. The continued reporting of verifiably false information has resulted in ongoing financial and emotional distress. 

I am requesting immediate deletion of this account from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Experian and XXXX had removed this particular account already due to fraud. And then suddenly it was re inserted which is against the law. 

XXXX XXXX - Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: CO

Complaint narrative:
Im currently in the process of purchasing a home and noticed an inaccuracy on my credit report that is affecting my ability to qualify. As of XX/XX/year>, my student loans were reported as current. However, in XX/XX/year>, five of my student loan accounts suddenly show 90-day late payments. This is inaccurate, as there were no 30- or 60-day late payments reported prior to that. The accounts went from current directly to 90 days late, which is not a valid reporting sequence. Im requesting that this be corrected to reflect the accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Please help me, I have attached supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Please help me, I have attached supporting documents

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 2025-05-22 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: MS

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights 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 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( 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 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly 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 2025-05-22 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : 11/10/1989 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 non-monetary relief
Consumer complaint received 2025-05-22 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: V and H Portfolio
State: KS

Complaint narrative:
I am submitting this complaint against Vance & Huffman LLC regarding their failure to validate a debt they claim I owe. On XX/XX/year>, I sent a formal written request to the collection agency asking for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested that they provide evidence of the debt, their legal right to collect it, and proof that the debt is mine. To date, I have not received any response or documentation from the collection agency. Despite my request, they have continued their collection efforts without providing the necessary validation or proof, which I am entitled to under the FDCPA. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with the law by providing the requested validation of the debt and stopping any further collection activities until they provide this documentation. Thank you for your attention to this matte

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
I paid this debt off but its still on my credit and I dont know why, cause its a XXXX towards me getting a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation