vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the inaccurate reporting of a late payment on my credit file. This false entry has caused unjustified damage to my credit reputation and financial standing. I am requesting that a full investigation be conducted immediately.

Disputed Account Information Creditor Name : XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/year> ( equifax ) and XX/XX/year> ( XXXX  and XXXX  ) I firmly dispute the accuracy of this reported late payment. The account in question has been paid on time and should correctly reflect the status Paid As Agreed Never Late.

Legal Basis for Investigation and Correction Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Under this section, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit report. If the furnisher of information can not provide verifiable evidence supporting this late payment claim, it must be deleted or corrected immediately.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) Creditors are legally obligated to issue accurate billing statements and report information consistent with the consumers actual payment performance. Any deviation constitutes an error that must be promptly rectified.

Responsibilities of Information Furnishers 15 U.S.C. 1681s-2 Entities furnishing data to credit bureaus are required to ensure that the information is both accurate and complete. Reporting unverifiable or false late payments violates this obligation and federal consumer-protection standards.

Requested Actions I respectfully request that the CFPB require the furnisher and the credit bureaus to : Conduct a complete reinvestigation of this account under 1681i and 1681s-2.

Provide verifiable documentation substantiating the alleged late payment, including the payment date, due date, amount, and communication record.

If the information can not be fully verified, instruct the furnisher and all credit bureaus to update the account status to Paid As Agreed Never Late.

Provide written confirmation of the completed investigation and any updates to my file within 30 days, as mandated by the FCRA.

Notice of Compliance and Accountability Failure to comply with the statutory timelines or to correct unverified information will be considered a violation of the FCRA and other applicable consumer-protection laws. Continued inaction or incomplete responses will result in escalation to appropriate oversight agencies or legal channels for enforcement.

My credit report must reflect factual, verifiable information that accurately represents my payment behavior. I trust that this matter will receive prompt attention and resolution in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have been severely affecting my life and credit score, preventing me from achieving financial stability and peace of mind. This ongoing situation is unacceptable and has caused me unnecessary stress and hardship.

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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Imprint Payments, Inc.
State: TX

Complaint narrative:
I made a purchase for {$3600.00} with XXXX XXXX on XX/XX/year>. I was offered 12 month with no interest if I applied for a credit card. I did that and got a card with XXXX. Then XXXX XXXX XXXX switched from Synchrony to Imprint, which meant that 1 ) I'm now being charged 33 % interest 2 ) I now longer have access to any of my statements with Synchrony. 
I have reached out to XXXX twice ; they no longer have any information about my account. I have reached out to Imprint 5 times. They keep on telling me that they are looking into it, but I'm still being charged interest. 
Imprint has told me several times that they will contact me, but that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am disputing the XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX, which is being inaccurately reported as a valid collection account. I did not authorize this debt, I did not sign any contract related to it, and I did not grant permission for my information to be used. This fraudulent account appears as a result of the TransUnion Data Breach, in which my personal identifying information was compromised. Pursuant to FCRA 609 ( a ) ( 1 ), I request all original documents bearing my signature along with the complete method of verification. As this account is fraudulent and unverifiable, it qualifies for immediate removal under 15 U.S.C. 1681c-2. Your continued reporting of this inaccurate information constitutes violations of FCRA 602A, 611, and 623 ( a ), along with METRO-2 XXXX  standards for accuracy and furnisher compliance. Remove this account immediately and provide written confirmation.

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 2025-11-11 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:
THIS HARD INQUIRY DOES NOT BELONG TO MY CREDIT HISTORY.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating specific accounts listed on my credit report. Upon review, I discovered certain information that appears to be outdated or inaccurate. I respectfully request that my credit file be updated to ensure it accurately reflects my current and verified financial 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several hard inquiries on my credit report that I have not been notified about. Reached out to company and nothing has been resolved. Please Im in a hardship situation right now due to the information on my credit reports.they are different banks and travel agencies.my information was stolen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: AL

Complaint narrative:
This is my second complaint. My initial complaint is file number XXXX and nothing got resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear XXXX XXXX, Experian, and XXXX XXXX XXXX, This serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate and inconsistent credit reporting, failure to reinvestigate, and furnishing false or outdated data.

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : Past Due as of XX/XX/XXXX Balance {$190.00} Status Updated XX/XX/XXXX. 
XXXX  : Unpaid Balance {$190.00} Status Updated XX/XX/XXXX. 
XXXX : Undisclosed Status Balance {$190.00} Status Updated XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
XXXX  : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
XXXX  : Open Account Updated XX/XX/XXXX. 



Violations All four entities have violated : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) failure to maintain accuracy, reinvestigate, and correct.

FDCPA 1692e, 1692f, 1692g ( b ) false or misleading representation and failure to validate. 



Demand for XXXX and Monetary Compensation Under 15 U.S.C. 1681n ( a ) and 1692k ( a ), each entity is liable for statutory damages up to {$1000.00} per violation, plus actual damages, costs, and attorneys fees.

Accordingly, I demand : Entity | Statutory Basis | Violations | Amount Owed ( USD ) Experian | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX  | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX  | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX XXXX XXXX |FDCPA 1692e, 1692f, 1692g ( b ) | 2 | {$2000.00} Total Due Immediately {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within 10 business days.

Formal Demands 1. Provide full Automated Consumer Dispute Verification ( XXXX ) responses for both accounts. 
2. Permanently delete all the inconsistent data across all reports.

3. Remit the above-stated compensation ( {$8000.00} total ) within 10 business days of receipt.

Failure to comply by XX/XX/XXXX will result in civil litigation in U.S. District Court seeking : Additional actual damages, Attorneys fees and costs, and Punitive damages for willful non-compliance under 15 U.S.C. 1681n ( b ).

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 2025-11-12 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: OH

Complaint narrative:
I noticed thzt there a a few accounts reporting on my report that I am not fimiliar with

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 2025-11-11 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: CAC Financial Corp
State: TN

Complaint narrative:
This letter serves as a formal dispute of the CAC Financial account XXXX XXXX XXXX XXXX XXXX, which is incorrectly appearing on my XXXX  report. I never opened this account, never signed any authorization, and never provided consent. The XXXX  Data Breach exposed my personal information, causing fraudulent accounts like this one to appear. Under FCRA 609 ( a ) ( 1 ), please provide all original documents with my signature, the full method of verification, IP address logs, timestamps, and any identifying data allegedly linking me to this account. Under FCRA 1681c-2, this fraudulent account must be blocked and deleted because it resulted from identity theft. Continued reporting without verifiable evidence violates FCRA 602A, 611, 623 ( a ) and METRO-2 compliance requirements. Please delete this account immediately and send me written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PR

Complaint narrative:
On XX/XX/year>, I sent a Formal Pre-Litigation Notice to the Legal Departments of both TransUnion and Experian, demanding the immediate removal of a fraudulent XXXX account that was being reported without any lawful validation.

Despite this written notice and multiple previous disputes, both agencies completely ignored the demand and failed to provide any admissible documentation proving ownership of that account. Instead, a new fraudulent account from XXXX XXXX has now appeared on my credit reports, worsening the damages to my credit and reputation.

Neither TransUnion nor Experian has ever produced the original signed application, billing statements, IP address data, or any verifiable evidence required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ).

Their continued reporting of unverifiable and fraudulent accounts, even after a formal legal notice, constitutes willful noncompliance with the FCRA and ongoing negligence that severely affects my financial stability and rights 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

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 2025-11-12 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: PA

Complaint narrative:
I am really upset to see that these inaccurate accounts are still appearing on my credit report even after all my efforts. They were never taken out, and I am pleading for the documents I have attached to be carefully checked so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint because Jefferson Capital Systems is inaccurately reporting a collection account for {$68.00} from XXXX XXXX on my credit report. The account, listed under number XXXX, was opened on XX/XX/XXXX, and updated in XX/XX/XXXX. I have never received proper validation or documentation confirming that this debt is legitimate or that Jefferson Capital Systems has the legal right to collect or report it. The company has not provided any proof of ownership, signed agreement, or payment history to support the accuracy of this information. Despite this, the account continues to report as a collection, negatively affecting my credit profile. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Jefferson Capital Systems to provide full validation, including a copy of the original contract and complete account documentation. If the company can not verify this account with legitimate proof, I request that it be deleted from my credit report and all negative information associated with it be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
This company charger off my acct and it wasnt included in the bankruptcy I advised them serval times and they refused to update the account on my credit report I also sent discharge letter and still no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This complaint is filed on behalf of XXXX XXXX by his authorized representative, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, under a signed Consumer Authorization & Limited Assignment Agreement dated XX/XX/year>. On XX/XX/year>, a formal FCRA identity theft dispute was submitted to Equifax Information Services LLC, identifying fraudulent accounts with XXXX  XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXXXXXX XXXX XXXX ( XXXX ). The dispute included full documentationgovernment-issued ID, proof of address, and an FTC Identity Theft Reportsatisfying all requirements under 15 U.S.C. 1681c-2 and 1681i.

Despite proper notice and proof, Equifax has failed to block or delete the fraudulent accounts and has not provided any written confirmation or investigation results. This constitutes clear violations of the Fair Credit Reporting Act, including failure to promptly block fraudulent information ( 605B ), failure to conduct a reasonable reinvestigation ( 611 ), and willful and negligent noncompliance ( 616617 ).

Equifaxs refusal to act has caused ongoing harm by allowing the continued reporting of false and damaging information. The consumer requests that the
CFPB compel Equifax to immediately delete the fraudulent accounts, issue written confirmation of deletion, audit its identity theft handling procedures, and notify any third parties who received the inaccurate credit report. This complaint is submitted in good faith and under proper authorization by XXXX XXXX XXXX, XXXX on behalf of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer 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