vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for furnishing an invalid collection account to Experian, Equifax, and TransUnion, and against the three credit bureaus for continuing to report this account in direct violation of a legally binding Settlement Agreement. 

On XX/XX/year>, I entered into a Settlement Agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that explicitly stated I did not owe any amount to the property and that the account was to be closed and resolved with no further collection efforts or credit reporting. The agreement further prohibits the original creditor from sending me to collections, and by extension, the placement of the debt with XXXX XXXX XXXX is a clear breach of that agreement. 

Despite this, XXXX XXXX XXXX is currently reporting a collection account for the alleged rental debt on all three credit bureaus, materially harming my credit standing, and causing undue stress and financial injury. 

Violations : XXXX XXXX XXXX XXXX is in violation of the following : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation upon dispute.

FCRA 15 U.S.C. 1681e ( b ) Reporting inaccurate and incomplete information.

FDCPA 15 U.S.C. 1692e ( 8 ) Communicating credit information known or which should be known to be false. 

Experian, Equifax, and TransUnion are in violation of : FCRA 15 U.S.C. 1681i Failure to properly reinvestigate a disputed item.

FCRA 15 U.S.C. 1681c ( a ) ( 5 ) Reporting information that can not be verified or has been invalidated by a legal agreement.

Resolution Requested : Immediate deletion of the tradeline by XXXX XXXX XXXX from Equifax and TransUnion. 

Formal acknowledgment that the tradeline was reported in error and in violation of the Settlement Agreement.

Confirmation that no further collections or reporting will occur related to this debt.

Investigation into both IQ Data and the credit bureaus failure to validate the legitimacy of the account prior to or after dispute.

Supporting Evidence : I am attaching a signed Settlement Agreement that clearly establishes the debt was resolved with no amount owed, and that no collections should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
About a year ago, I got a home equity loan with XXXX XXXX. I set up automatic payments and received a discount for setting up the automatic payments. Recently, XXXX XXXX acquired XXXX. In early XXXX, I received a notice that my payment was over due. This is the first time i had heard of such an issue. I emailed XXXX several times, letting them know that I had automatic payments set up, so that if there was a problem, it was on their end and not mine. XXXX basically blew me off and then subsequently reported my late payments to the credit reporting agencies, which I found out about today. I have excellent credit, and I have worked hard to ensure that I do. I am extremely angry that XXXX has affected my credit and reported a negative event that was not my fault. I request XXXX be required to remove the negative report from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am filing this complaint against Equifax because they are continuing to report an outdated and inaccurate address on my credit report. The address currently listedXXXX XXXX XXXX XXXX XXXX, HI XXXX, with a date reported of XXXX no longer my place of residence and should not be listed on my consumer report as my current address. My one and only legal residence is XXXX XXXX XXXX, XXXX, XXXX XXXX, and I have already submitted updated documentation to reflect this. 

This incorrect listing is more than just a clerical oversight ; it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Maintaining and displaying an outdated address despite receiving accurate, verifiable proof to the contrary shows a clear failure by Equifax to comply with this statutory responsibility.

Because of this erroneous data, Ive encountered unnecessary friction when attempting to verify my identity with lenders, open new accounts, and pass background checks. The confusion caused by the presence of this old address creates unnecessary scrutiny and has caused me distress, frustration, and embarrassment in personal and financial matters. I have taken all reasonable steps to keep my credit file accurate, but Equifaxs lack of follow-through on basic updates has disrupted my ability to move forward smoothly in important areas of my life.

Given the highly sensitive nature of credit reports and the reliance placed on them by creditors, landlords, and even employers, I find it deeply concerning that such an obvious error can persistespecially after Ive already disputed it and submitted appropriate documentation. This failure undermines the entire purpose of the consumer reporting system and casts doubt on the integrity of the data being maintained by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I disputed a charged-off American Express account that was reporting on my XXXX  credit report. The balance was {$8500.00}, and I believed it was inaccurate or unverifiable. After XXXX claimed it had been verified, I submitted a formal Method of Verification request under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). In that letter, I asked XXXX to provide : The name and contact info of the data furnisher A description of their verification procedures Copies of any records or documents used to confirm the accuracy Original account documents from American Express Proof of the amount reported as charged off XXXX did not respond with any of this required information. 

Separately, American Express responded to a CFPB complaint stating they are no longer handling the account, and that it is in litigation with a third-party agency ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX Despite this, the tradeline is still being reported on my XXXX file as a charged-off account with a balance. 

This appears to be a violation of several sections of the Fair Credit Reporting Act ( FCRA ), including : 1681i : Failure to reinvestigate or verify disputed information properly 609 ( a ) ( 1 ) : Failure to provide requested verification documents 607 ( b ) : Reporting inaccurate or misleading data after a dispute I am requesting that XXXX delete the American Express tradeline, or update it to reflect a {$0.00} balance and litigation status. I also request that XXXX provide the documentation and details required by law under FCRA 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX 2. XXXX 3. XXXX  4 XXXX XXXX XXXX 5. XXXX 6. XXXX 7. XXXX  XXXX 8. XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2025-07-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Repeated requested that SYNCB/PayPal and XXXX to remove the charge offs from my credit. I also requested that they send my signature on Dates requested : XX/XX/year>2024 and XX/XX/year>2024. To date, have not received.

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 2025-07-10 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: DE

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 2025-07-10 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: DE

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 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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents.See the attached 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 non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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