vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MI

Complaint narrative:
Subject : Failure to Accurately Report Payment History and Correct Billing Errors under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) I am filing this complaint against Equifax, Experian, and TransUnion for reporting inaccurate payment history information and failing to ensure maximum possible accuracy of my credit file as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). 

I recently reviewed my credit reports and found several late payment notations that are incorrect and constitute billing errors. These accounts have been misreported despite my consistent payment history and the absence of any documentation from the creditors proving I was late. I submitted disputes directly to the credit bureaus, but they have not corrected or verified the items properly. 

Summary of the Disputed Information Inaccurate Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Issue : Late Payment ( Open ) The payment history for this account is inaccurate. I do not recall being late on this account, and the creditor failed to provide any evidence or documentation showing I missed a payment or received a statement at least 21 days before the due date as required by law. 

Legal Basis for the Complaint The creditor and credit bureaus are in violation of : 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) Failing to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) Making a computation or similar accounting error on a billing statement.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information and delete or correct any item that can not be verified.

Failure to Provide Verification Despite my formal dispute, none of the credit bureaus have provided documentary evidence from the furnisher showing I was late. They have continued reporting the late payment without proof, which violates the FCRAs reinvestigation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
CFPB Complaint Deceptive and Retaliatory Lending Practices Product : Personal Line of Credit Issue : Misrepresentation and retaliatory denial after complaint Company : Morgan Stanley Bank , N.A . 

What happened : Between XX/XX/XXXX and XX/XX/year>, I applied for a secured line of credit with Morgan Stanley. I was told by multiple representatives that I was approved and that funds would be wired to my external XXXX XXXX account. I have emails confirming approval and scheduled funding. 

At XXXX XXXX direction, I opened a new account and transferred {$80000.00} into their savings product to secure the line. The requested credit line was only {$18000.00} ( roughly 22 % of my deposit ). On XX/XX/XXXX I received confirmation that all documents were complete and that the transfer would occur. 

On XX/XX/XXXX I complained to a representative about repeated processing errors ( incorrect routing numbers, delayed responses, and conflicting instructions ). The next business day, XX/XX/XXXX, I was told the application had been deniedciting a six-year-old bankruptcy already on my credit report, which they could have seen at the start. 

This conduct caused quantifiable harm : I relied on Morgan Stanleys written assurances and delayed paying down credit-card balances that accrue 27 % APR interest, costing me approximately {$400.00} {$500.00} in extra interest in one month.

I spent more than 15 hours on calls, document uploads, and account setup.

I kept {$80000.00} idle in a low-yield account for nearly four weeks, losing roughly {$250.00} in interest versus my prior high-yield account. 

Regulatory concerns : UDAAP ( 12 U.S.C. 5531 ) Misleading and deceptive statements about loan approval and timing of credit checks.

Truth in Lending Act/ Reg Z Failure to disclose that final underwriting occurs only before funding.

Equal Credit Opportunity Act / Reg B Potential retaliation after I exercised my right to complain about the process.

I request that the CFPB investigate Morgan Stanleys approval practices, ensure restitution for financial losses, and require them to clarify policies so that consumers are not misled into transferring funds under false assurances of approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Date : XX/XX/year> Subject : Formal Request to Remove Unauthorized and Inaccurate Information from My Credit Report To Whom It May Concern, I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) to formally dispute and request the immediate removal of all inaccurate, unauthorized, or unverifiable accounts and inquiries from my credit file. 
Upon reviewing my credit report, I noticed several hard inquiries and/or accounts that I did not authorize. These constitute a violation of FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), which strictly prohibits a credit reporting agency from releasing my personal information to a third party without my written consent or a permissible purpose.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of these disputed items. Any information that can not be verified as accurate and authorized by me must be deleted from my file within 30 days of receiving this letter. 
If my personal information has been provided to any unauthorized third parties, it also violates FCRA 604 ( f ) and CFPB Regulation V, which prohibits the furnishing of consumer report data to entities lacking a permissible purpose.

Please send me written confirmation once your investigation is complete, including documentation showing the results and any actions taken.

Thank you for your prompt attention to this matter. I expect a full response within the 30-day investigation period mandated by the FCRA. 
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 explanation
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-23 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 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: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Data Breach XXXX XXXX XX/XX/2024 This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, I sent four formal dispute rounds through Dispute XXXX XXXX XXXX  system to all three credit bureaus and TD Bank USA ( XXXX  Credit Card ). The account continues to report as Negative even though it is current, has a utilization rate of only 13.67 %, and shows an As Agreed payment status. 

Although the creditor remarks state Dispute resolved reported by grantor, the tradeline remains inaccurately marked as derogatory, which continues to lower my credit score.

This constitutes incomplete and inaccurate reporting under FCRA 607 ( b ) ( accuracy and completeness ) and FCRA 611 ( a ) ( failure to reinvestigate disputed information ).

I am requesting CFPB assistance to ensure TD Bank USA verifies this account properly or deletes the tradeline if no lawful verification exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-10-23 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:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-10-23 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: NJ

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-10-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 filing this complaint because TRANSUNION is reporting my XXXX XXXX XXXX XXXX account as Charged Off, even though I have official Payoff Confirmation Letters from XXXX XXXX  showing the loan was fully paid in full with a {$0.00} balance. 

I have attached XXXX letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, both confirming that my loans were completely paid off. I also included a screenshot from the XXXX XXXX app showing my balance as {$0.00} and each payment marked Paid. 

Despite submitting this evidence in my TRANSUNION dispute, TRANSUNION did not correct or remove the inaccurate charge-off status. This incorrect reporting is negatively impacting my credit score. 

I am asking the CFPB to assist in having this error corrected so that my TRANSUNION credit report reflects the accurate status of this account : Paid in Full / Closed / No Charge-Off.

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 2025-10-23 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-10-23 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: TX

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