vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
A utility collection account was reported by a third-party collection agency. The balance was paid in full directly to the original utility provider on XX/XX/year>. 

After disputes were submitted, one credit reporting agency deleted the collection tradeline on XX/XX/year>, indicating the information was not verifiable. 

Despite this deletion, another credit reporting agency later reported the same collection account again with a new Date Updated of XX/XX/year>. I was not notified that the account had been reinserted or re-reported, and I did not receive notice of the investigation status or results related to this update. 

I requested information regarding how the account was verified after deletion, whether the information was certified as accurate before being re-reported, and why no notice was provided. This information was not supplied. 

After the collection agency later requested deletion, the tradeline was ultimately removed from the credit report. While the account is no longer reporting, the reinsertion occurred without notification or explanation, and without confirmation that required reinsertion procedures were followed. 

This complaint concerns the handling of the dispute and reinvestigation process, including lack of notice and lack of disclosure regarding how the information was verified after deletion.

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 2025-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
File ID : XXXX Furnisher : XXXX XXXX XXXX Account # : XXXX Complaint Narrative ( Use this text for the online submission ) I previously disputed the accuracy of a XXXX XXXX XXXX account ( Account # XXXX, Case ID : XXXX ) with Early Warning Services ( EWS ). EWS concluded its reinvestigation on XX/XX/year>, stating the information was determined to be " accurate and complete. '' I formally requested a description of the procedures used to determine this accuracy, as required by law, and EWS has failed to provide sufficient detail, demonstrating a fundamental flaw in their reinvestigation process. Simply relying on the Furnisher 's assertion without reviewing the underlying evidence ( e.g., original application, signature card, transaction history ) does not constitute a " reasonable reinvestigation. '' Legal Violations : 15 U.S.C. 1681i ( a ) ( 7 ) ( Failure to Provide Method of Verification ) : EWS has failed to provide the necessary details regarding the procedures used to determine the accuracy of the disputed item, preventing me from assessing the reasonableness of their investigation. 

15 U.S.C. 1681i ( a ) ( 1 ) ( Unreasonable Reinvestigation ) : By failing to provide evidence of a thorough investigation beyond automated communication with the furnisher, EWS has violated its duty to conduct a reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( Mandatory Deletion ) : Since EWS has failed to substantiate their finding with evidence or a transparent verification method, the item is effectively UNVERIFIABLE and must be deleted. 

Requested Resolution : I demand that Early Warning Services ( 1 ) immediately DELETE the disputed XXXX XXXX XXXX account entry ( XXXX ) from my consumer file, ( 2 ) provide confirmation of its removal, and ( 3 ) update my file to reflect this item was inaccurate/unverifiable and MUST NOT be reported again. Alternatively, EWS must provide the full, unredacted description of the verification procedures and documentation reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Opportunity Financial, LLC
State: MS

Complaint narrative:
These loan accounts are not mine and are linked to an address I have never lived at and is not on my credit profile. I request deletion immediately under FCRA 609 & 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Sezzle Inc.
State: ID

Complaint narrative:
Tuesday, XX/XX/XXXX Sezzle Inc. Sezzle * XXXX XXXXXXXX XXXX General shopping Sezzle Inc. Sezzle * XXXX XXXX XXXX XXXXXXXX XXXX Sezzle * Balance XXXX XXXX XXXXXXXX XXXX Sezzle * Balance XXXXXXXX XXXX XXXXXXXX XXXX Sezzle * Balance XXXXXXXX XXXX General shopping - {$66.00} - {$51.00} - {$50.00} - {$90.00} - {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have capital one credit card but when I login my online banking it says your account closed and there is no any credit card linked to my account thats why I am not available to pay regular amount is XXXX dollars now they requested XXXX dollars please tall them fix online banking link credit card and capital one necasary rid off delete all wrong credit reports than I want pay thair XXXX dollars Thank you for helping me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
my vehicle was repossessed, i requested my personal items out of my vehicle five days later. the tow company refused then i contacted the lender and was told to call XXXX  i did and filed a claim. the Loss prevention said send in any documents for items loss and i did. then they tried to get me to sign a release for for XXXX XXXX dollars as I refused. because all my Items is over {$5000.00} i told them I refused {$100.00} I contacted Exeter finance over and over and talked to several people in customer service in turned connected me with several managers, I was told that the case was closed with out a resolution and that they were going to reopen, then the next manager said it went to the office of the president but still no resolution and no one would call me. I keep getting the runaround by all of them. I contacted over 15 times XXXX XXXX at the XXXX XXXX and he refuse to answer his phone or return my messages and voicemail and the manager from exeter would not return my call and XXXX refuse to answer my call so i am reaching out for help again or if I donot get a resolution I am prepared to take this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OH

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I am filing this complaint regarding inaccurate, unverified account reporting on my credit report. These items continue to be reported without proper investigation, in violation of federal law. 

XXXX. XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Late Payment I dispute the accuracy of the late payment history reported on this account. The information being furnished does not reflect complete, accurate, or verifiable payment data. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. Additionally, FCRA 1681e ( b ) requires TransUnion to maintain maximum possible accuracy. If TransUnion can not obtain documentary evidence validating the late payment, this information must be corrected or updated immediately. 

XXXX. XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment I dispute the late payment history reported on this account as inaccurate and misleading. A zero-balance account reported with late payments raises serious concerns regarding data integrity and reporting compliance. 
Pursuant to FCRA 1681i ( a ) ( 1 ), TransUnion must conduct a reasonable reinvestigation. Under FCRA 1681s-2 ( b ), the furnisher must provide competent verification. If no such verification exists, the late payment history must be corrected or removed. 

XXXX. XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : Charge Off I have no knowledge of this account and dispute its ownership, accuracy, and reporting in its entirety. This account has not been properly validated and continues to appear as a charge-off without lawful verification. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. Furthermore, reporting a charge-off without proof of consumer obligation violates FCRA 1681e ( b ) and 1681s-2 ( b ). Immediate deletion is required if full validation can not be produced. 

XXXX. XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off I dispute this account in full and have no knowledge of any valid obligation related to this charge-off. Reporting a charge-off with a zero balance and without proper validation is inaccurate and misleading. 
Under FCRA 1681i ( a ), TransUnion must reinvestigate and verify this account with original creditor documentation. Failure to do so requires mandatory deletion under FCRA 1681i ( a ) ( 5 ).

Immediate investigation and deletion of any account that can not be fully verified, with written confirmation of compliance under the FCRA and FDCPA.

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 2025-12-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX 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 2025-12-18 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: TX

Complaint narrative:
I am filing this formal complaint regarding XXXX  reporting of a 90-day late payment on my credit report, which is factually false, was reported without notice, and constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seqXXXX XXXX has reported a severe derogatory mark on my credit file without providing any notice, billing statement, or opportunity to dispute or cure the alleged delinquency, in direct violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) duty to provide accurate information to credit reporting agencies.

15 U.S.C. 1681i right to dispute inaccurate information with a credit bureau, which must be investigated in a timely manner.

15 U.S.C. 1681s-2 ( b ) duty of furnishers to investigate disputes and correct inaccuracies promptly.

The reporting of this 90-day late payment has materially damaged my creditworthiness, directly impairing my ability to obtain financial products, including mortgage financing. This conduct is negligent, willfully non-compliant, and actionable.

Remedies Requested : Immediate investigation and correction of this false 90-day late payment with all major credit bureaus ( XXXX XXXX TransUnion ) XXXX 
Written confirmation from XXXX and the credit bureaus verifying the correction and removal of the false derogatory mark. 
Restoration of my credit profile to accurately reflect my timely account payments. 
Compensation for any damages caused to my credit reputation and any financial consequences of this inaccurate reporting. 
I explicitly request that the CFPB intervene immediately, as XXXX reporting is unlawful, materially harmful, and violates my statutory rights under the FCRA. I will escalate this matter to legal action, including claims for statutory damages under 15 U.S.C. 1681n and 1681o, if the issue is not fully resolved.

This complaint demands urgent action to ensure that my credit profile accurately reflects my responsible financial behavior. 

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 2025-12-18 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 am filing this formal complaint regarding XXXX  reporting of a 90-day late payment on my credit report, which is factually false, was reported without notice, and constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq..

XXXX  has reported a severe derogatory mark on my credit file without providing any notice, billing statement, or opportunity to dispute or cure the alleged delinquency, in direct violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) duty to provide accurate information to credit reporting agencies.

15 U.S.C. 1681i right to dispute inaccurate information with a credit bureau, which must be investigated in a timely manner.

15 U.S.C. 1681s-2 ( b ) duty of furnishers to investigate disputes and correct inaccuracies promptly.

The reporting of this 90-day late payment has materially damaged my creditworthiness, directly impairing my ability to obtain financial products, including mortgage financing. This conduct is negligent, willfully non-compliant, and actionable.

Remedies Requested : Immediate investigation and correction of this false 90-day late payment with all major credit bureaus ( XXXX, Equifax, XXXX  ) .

Written confirmation from XXXX  and the credit bureaus verifying the correction and removal of the false derogatory mark. 
Restoration of my credit profile to accurately reflect my timely account payments. 
Compensation for any damages caused to my credit reputation and any financial consequences of this inaccurate reporting. 
I explicitly request that the CFPB intervene immediately, as XXXX reporting is unlawful, materially harmful, and violates my statutory rights under the FCRA. I will escalate this matter to legal action, including claims for statutory damages under 15 U.S.C. 1681n and 1681o, if the issue is not fully resolved.

This complaint demands urgent action to ensure that my credit profile accurately reflects my responsible financial behavior. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 am filing this formal complaint regarding XXXX  reporting of a 90-day late payment on my credit report, which is factually false, was reported without notice, and constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seqXXXX XXXXXXXX has reported a severe derogatory mark on my credit file without providing any notice, billing statement, or opportunity to dispute or cure the alleged delinquency, in direct violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) duty to provide accurate information to credit reporting agencies.

15 U.S.C. 1681i right to dispute inaccurate information with a credit bureau, which must be investigated in a timely manner.

15 U.S.C. 1681s-2 ( b ) duty of furnishers to investigate disputes and correct inaccuracies promptly.

The reporting of this 90-day late payment has materially damaged my creditworthiness, directly impairing my ability to obtain financial products, including mortgage financing. This conduct is negligent, willfully non-compliant, and actionable.

Remedies Requested : Immediate investigation and correction of this false 90-day late payment with all major credit bureaus ( Experian, XXXX XXXX ) XXXX 
Written confirmation from XXXX and the credit bureaus verifying the correction and removal of the false derogatory mark. 
Restoration of my credit profile to accurately reflect my timely account payments. 
Compensation for any damages caused to my credit reputation and any financial consequences of this inaccurate reporting. 
I explicitly request that the CFPB intervene immediately, as XXXX reporting is unlawful, materially harmful, and violates my statutory rights under the FCRA. I will escalate this matter to legal action, including claims for statutory damages under 15 U.S.C. 1681n and 1681o, if the issue is not fully resolved.

This complaint demands urgent action to ensure that my credit profile accurately reflects my responsible financial behavior. 

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 2025-12-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am a verified victim of identity theft resulting from multiple confirmed consumer data breaches, including the XXXX XXXX breach, medical data breaches, and the XXXX XXXX breach. My personal information has been exposed on the dark web from XXXX to the present, which I have documented through a comprehensive data-breach audit. 
Despite filing repeated disputes and verification requests with XXXX XXXX XXXX XXXX  on numerous dates from XXXX through XXXX, the credit reporting agencies failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, 1681e ( b ), and 1681s-2 ( b ) ) etc. 
I was never provided with the method of verification, original applications, contracts, IP logs, signatures, or fraud investigation packets for the disputed accounts. Instead, the agencies continued reporting inaccurate and fraudulent accounts, many of which were later transferred to collection agencies with whom I have no contractual relationship. 
This misconduct caused severe financial harm, including loan denials, credit limit reductions, account closures, and emotional distress. I request CFPB enforcement, immediate deletion of unverifiable accounts, and corrective action for systemic FCRA noncompliance.

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