vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am filing this complaint as a consumer disputing inaccurate and unverified information Experian is reporting on my credit report. I am requesting compliance with the Fair Credit Reporting Act and a proper reinvestigation of the following items. 

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} ) I dispute the accuracy of the balances, dates, and charge-off status of these accounts and request documentation proving they were verified.

Hard Inquiries Experian is reporting inquiries that I do not recognize or authorize, including XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others listed on my report. I am requesting proof of permissible purpose or removal. 

Late Payment Reporting Experian is reporting late payments on the following accounts, which I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these late payments can not be fully verified with complete payment histories, they must be removed.

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 2025-12-15 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:
Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I discovered several accounts that appear to be inaccurately reported, outdated, or can not be verified. These entries are adversely affecting my credit score and do not accurately reflect my actual credit history. Despite my efforts to resolve these discrepancies with the credit bureaus, I have not received sufficient validation, verification, or correction of the questionable items. 

The problems identified include : Charge-off accounts listed without proper documentation or evidence to substantiate their validity. 

Duplicate accounts reported across multiple credit bureaus with conflicting information. 

Accounts still showing late payments or delinquencies even though they were fully paid, settled, or are currently in good standing. 

Accounts I did not authorize or which do not correspond with my known credit activity. 

Accounts marked as dispute resolved consumer disagrees without providing the requested supporting records. 

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting disputes, but no satisfactory resolution has been provided, and unverifiable accounts remain on my reports. These inaccuracies are preventing me from obtaining necessary financial services, including housing and auto loans, and are causing undue harm to my creditworthiness.

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 2025-12-15 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:
Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I discovered several accounts that appear to be inaccurately reported, outdated, or can not be verified. These entries are adversely affecting my credit score and do not accurately reflect my actual credit history. Despite my efforts to resolve these discrepancies with the credit bureaus, I have not received sufficient validation, verification, or correction of the questionable items. 

The problems identified include : Charge-off accounts listed without proper documentation or evidence to substantiate their validity. 

Duplicate accounts reported across multiple credit bureaus with conflicting information. 

Accounts still showing late payments or delinquencies even though they were fully paid, settled, or are currently in good standing. 

Accounts I did not authorize or which do not correspond with my known credit activity. 

Accounts marked as dispute resolved consumer disagrees without providing the requested supporting records. 

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting disputes, but no satisfactory resolution has been provided, and unverifiable accounts remain on my reports. These inaccuracies are preventing me from obtaining necessary financial services, including housing and auto loans, and are causing undue harm to my creditworthiness.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been having an issue with my credit every since my identity was stolen. I have filed a identity theft report. I'm willing to do what is necessary to recover my identity.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been having an issue with my credit every since my identity was stolen. I have filed a identity theft report. I'm willing to do what is necessary to recover my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Kindly remove the inaccurate late payment and ensure my account reflects a correct and favorable payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MI

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 the38668re 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.

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 2025-12-15 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:
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 the38668re 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information regarding an auto loan account across multiple credit bureaus. 

This account is being reported with multiple conflicting versions, making it impossible to determine which informationif anyis accurate. The inconsistencies include : Three different versions of the same account appearing across the credit bureaus Conflicting Last Activity Dates, including both XX/XX/XXXX and XX/XX/XXXX, which is impossible for a single closed account Payment history discrepancies, including months reported as 120 days late, XXXX, XXXX, and other inconsistent late-payment codes Conflicting account statuses, reported variously as : Repossession Involuntary Repossession Merchandise Taken Back by Grantor A past-due balance of {$7900.00} being reported even though the account is closed, which is inaccurate if the vehicle was repossessed and sold Terms count and months reviewed do not match across bureaus Due to these conflicts, the account is unverifiable and should not be reported. 

Additionally, the loan involved predatory lending practices, including unfair and misleading terms that were not properly disclosed at signing. XXXX XXXX has failed to ensure that the information they are furnishing is accurate, complete, or verifiable. 

Despite disputes submitted, XXXX XXXX has continued to furnish inaccurate data, in violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-12-15 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information regarding an auto loan account across multiple credit bureaus. 

This account is being reported with multiple conflicting versions, making it impossible to determine which informationif anyis accurate. The inconsistencies include : Three different versions of the same account appearing across the credit bureaus Conflicting Last Activity Dates, including both XX/XX/XXXX and XX/XX/XXXX, which is impossible for a single closed account Payment history discrepancies, including months reported as 120 days late, XXXX, XXXX, and other inconsistent late-payment codes Conflicting account statuses, reported variously as : Repossession Involuntary Repossession Merchandise Taken Back by Grantor A past-due balance of {$7900.00} being reported even though the account is closed, which is inaccurate if the vehicle was repossessed and sold Terms count and months reviewed do not match across bureaus Due to these conflicts, the account is unverifiable and should not be reported. 

Additionally, the loan involved predatory lending practices, including unfair and misleading terms that were not properly disclosed at signing. XXXX XXXX has failed to ensure that the information they are furnishing is accurate, complete, or verifiable. 

Despite disputes submitted, XXXX XXXX has continued to furnish inaccurate data, in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am disputing the following accounts that are inaccurately reported on my Equifax credit report : Charged Off Accounts Portfolio Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting this information on my account year after year 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting this information on my account year after year inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I began orthodontic treatment with XXXX XXXX on XX/XX/XXXX and canceled the treatment on XX/XX/XXXX, less than a month later. I never received any further adjustments or the full treatment, and I was also never provided the bag of goodies promised as part of the treatment. Despite this, XXXX XXXX charged my CareCredit account {$2500.00} as a down payment, which I do not owe. 

After my initial dispute, a CareCredit representative assured me that it was clear I would not owe anything. Despite this assurance, I continued to receive statements and notices claiming that I owed the balance. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX, who stated that the prior information given to me was not accurate and that she did not know why I had been misinformed. She explained that XXXX XXXX sent a copy of a contract allegedly showing I agreed to the charges. Regardless of the contracts contents, it is wrong to enforce charges for services I did not receive, and these charges are not valid. 

I have also paid a cancellation fee but never received written confirmation of my cancellation. I am currently receiving orthodontic treatment elsewhere. The repeated misinformation and improper billing have caused unnecessary stress and confusion, and I request that CareCredit fully investigate and remove this invalid charge 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 monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Continuing Furnisher Violation Illegal Re-Aging After Settlement Bank of America certified completion of reinvestigation on XX/XX/XXXX, XXXX days before final settlement payment clearedthen re-aged the tradeline to XX/XX/XXXX. The attached ledger, settlement confirmation, and XXXX report prove violations of FCRA 623 ( b ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( E ).

I am filing this new complaint to report continuing FCRA violations by Bank of America , N.A . involving the same credit-card tradeline previously addressed in CFPB cases # XXXX through # XXXX. 

Despite certified notice, multiple CFPB investigations, and completion of my final settlement payment on XX/XX/XXXX, the XXXX credit report dated XX/XX/XXXX ( Report # XXXX ) now lists : Status Updated : XX/XX/XXXX Paid in Settlement {$21000.00} Written Off. 

This re-aged the account by nearly three years ( original charge-off XX/XX/XXXX ) and falsely reports a {$21000.00} write-off after the balance was satisfied. This conduct violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy ; FCRA 623 ( b ) ( 1 ) ( E ) failure to correct or delete unverifiable data ; and 12 C.F.R. 1022.42 ( a ) ( 3 ) furnisher duty not to misstate account age or payment status.

The re-aging occurred after Bank of America certified to the CFPB that its reinvestigation was complete on XX/XX/XXXX. That means the company knowingly certified inaccurate data to federal regulators. 


Attachments : XXXX XXXX  XX/XX/XXXX Report ( # XXXX ) BoA XX/XX/XXXX Credit Reporting Update Letter Payment Ledger ( through XX/XX/XXXX ) Prior CFPB response ( XXXX excerpt )

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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS Is reporting inaccurate information on my credit report Im not aware of the amount of money that Im being charged this is fraud.

Company response to consumer: Closed with explanation