vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
XXXX XXXX  has reported multiple inaccurate late payments on my credit report. The account shows XXXX late payments after several months of X Unknown and months of OK Current. 

Additionally, I was on a COVID payment forbearance, which should have kept my account in good standing. The late payments reported during this period are therefore inaccurate and misleading. 

Credit reporting rules require late payments to be reported sequentially ( 30 60 90 120 ). Skipping stages and alternating between current and late statuses is inaccurate, inconsistent, and unverifiable, violating FCRA 1681e ( b ). 

Requested Resolution : Please delete or correct all inaccurate late payments and update my account to accurately reflect my payment history as OK Current / Paying as agreed for the months during which I was current, including accounting for the COVID forbearance. 
Additional Details : Account opened : XX/XX/XXXX Last payment : XX/XX/XXXX Account transferred : XX/XX/XXXX COVID forbearance received : payments completed in XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am disputing the following accounts reported under my Experian credit report due to discrepancies related to charged off status and late payments. The accounts listed below are inaccurate or incomplete, and I request a thorough investigation. 

Charged Off Accounts : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} Late Payment : XXXX - Account Number : 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
Beginning in XXXX, XXXX XXXX XXXX XXXX began reporting two separate revolving credit accounts with inaccurate, inconsistent, and misleading information. Both accounts were closed by XXXX XXXX without proper notice, yet the credit union continued to report them as active, delinquent, charged-off, and past due with contradictory dates, amounts, and status codes across multiple months and credit bureaus. 

I repeatedly requested verification and supporting documentation, including : the complete payment history, the correct date of first delinquency, the date and reason for account closure, the charge-off calculations, any internal notes, and all records used to furnish data to the credit bureaus. 

Instead of providing the required information, XXXX XXXX erased my message history from my online account portal and failed to respond to my requests. In XX/XX/XXXX, XXXX XXXX also sent me another customers sensitive financial documents in error, which is a serious violation of the FCRA, FACTA, and the GLBA Privacy Rule. 

XXXX XXXX continued furnishing conflicting credit data, including : different dates of first delinquency, different charge-off amounts, months marked as charged-off after the account was already closed, continued reporting activity in XXXX despite no active relationship, soft credit inquiries in XXXX with no permissible purpose, failure to update the accounts accurately after closure. 

The information furnished is materially inaccurate and has caused significant harm to my credit, including denials for housing, increased costs of credit, and financial damages. XXXX XXXX failed to properly investigate, failed to validate the accounts, failed to correct the inaccurate reporting, and failed to comply with the FCRA and Regulation V 1022.43. 

I am requesting CFPB assistance because XXXX XXXX will not correct the errors, will not provide documentation, and will not address the privacy breach involving another customers documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am a consumer attempting to improve my credit and dispute certain accounts reported inaccurately or incompletely across the three major credit bureaus. Below is a detailed list of the accounts in dispute, separated by bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Inquiries : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-20 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: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-20 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: CA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX stating In 30 days your student loans will be in default. Upon calling XXXX they stated a person using my name, an old address, a different phone number and different email address opened a student loan for {$500.00} last year. I have never taken out a student loan, nor any loan last year. This was made known to XXXX. XXXX wanted me to fill out a form requiring a lot of information. I have filled disputes with all three credit agencies and I am gathering the other information they require. I use an identity theft service and several attempts to take out loans in my name were stopped last year. This loan never tripped an alert. This would suggest a credit inquiry was not made.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/year> I had 3 transactions totaling {$5700.00} pulled from my US Bank account. Within minutes these funds were transferred to XXXX via XXXX. I was notified, via letter from US Bank that they felt I had received " value '' from these transactions and they had reversed the provisional credit. However, no phone call or communication was made to myself looking for information. On XX/XX/XXXX, I called the US Bank XXXX Dept to discuss. I had printed out all the transaction ID 's and information provided from the email confirmations from the transactions themselves. I offered to send them in to US Bank and they literally to me " NO ''. I was told someone would call me the next day on XX/XX/XXXX. That never happened. I then went into the local US Bank branch in XXXX, MN to discuss and to provide the printouts of the transaction I attempted to provide the XXXX  department. The local branch was able to contact the XXXX  department and fax over the supporting documentation. After the local branch spoke with the XXXX department, they were told there must have been confusion as I had to take a loan from XXXX to fund my account due to the {$5700.00} being removed and hence I was negative. Being the debits were taken through the app XXXX  and my loan was through XXXX, US Bank XXXX department assumed these were the same entities since the dollar amounts were so close. The concern that US Bank is unfamiliar with XXXX is a conversation for another time. Again, I was told someone would reach out. that also, never happened. I returned to the local branch, on request, on XX/XX/year> as US Bank reversed the provisional credit. I was told, base don the supporting documentation I provide they would be able to put the money back in my account ; however, that could take XXXX - XXXX days. On XX/XX/year> I contacted US Bank fraud department were I was told there were no notes on my case file and also no " investigator '' listed for them to contact. I Have requested to speak with the XXXX department supervisor but just told that is not protocol or the procedure. At this time, I am still out my {$5700.00}, after I have provide supporting documentation showing all dollars were fraudulently sent to XXXX within minutes of leaving US Bank. Therefore, I dispute that I received " benefit '' from these fraudulent transactions. I am not in XXXX, I have no dealings in XXXX and in no way associated with anything in XXXX. Seems to me US Bank is searching for a way to not return my money.

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 2025-11-20 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: CA

Complaint narrative:
I am filing this CFPB complaint because TransUnion is reporting charged-off accounts, inquiries, and a late payment that I believe contain errors or can not be verified. I request a full reinvestigation under the FCRA. 

XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$960.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$640.00} XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$760.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  C Acct : XXXX Opened : XX/XX/XXXX Balance : {$52.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Acct : XXXX I request that TransUnion validate these items or delete anything that can not be fully verified.

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 2025-11-20 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:
Dear Sir/Madam, I am submitting a formal dispute regarding the following accounts that are currently reported as charged-off on my Equifax credit report. The details of the disputed accounts are as follows : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00} XXXX BANK Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : No inquiries listed for XXXX. 

Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$540.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} Hard Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing several inaccurate items on my credit report that resulted from identity theft following a data breach. These include fraudulent accounts, unauthorized inquiries, and inaccurately reported late payments. I am providing my government-issued ID, proof of address, and an FTC Identity Theft Report. These items were not authorized by me and are being reported incorrectly, which violates FCRA 605B, 611, and 623. 

Unauthorized Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
2. XXXX  - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
3. XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
4. XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
5. XXXX AUTO - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
6. XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report. 
7. XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry. Please remove it from my credit report Inaccurate Late Payments : 1. XXXX CARD - XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
2. XXXXXXXX XXXX XXXXXXXX - XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
3. XXXX  - XXXX - I was never late ; please correct the record to reflect Paid as Agreed.

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