vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

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 ( XXXX ) 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 2025-08-04 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: MS

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 ( XXXX ) 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 explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-08-04 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: IN

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 2025-08-04 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: IN

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 2025-08-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to provide an important update regarding my existing complaint against American Express. Since filing with the CFPB, I have now received official court notices confirming that both lawsuits filed against me by American Express ( XXXX XXXX. XXXX and XXXX ) have been dismissed without prejudice. 
These dismissals reinforce my original claim : - American Express was unable to provide the original signed credit application proving personal liability, - I was acting under a business XXXX,- And I had made repeated attempts to resolve disputed charges, many of which continued despite my request to freeze the account. 
Additionally, despite the lack of a verified agreement or judgment, American Express continues to report this account negatively to my personal credit, which has severely impacted my score. Given the dismissals and lack of legal standing, I am requesting that the CFPB assist in having this tradeline removed or corrected across all credit bureaus. 
Please confirm receipt of this update. I've attached the court dismissal documents for your reference. 
Thank you for your continued support in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX, XXXX Complaint Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
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 2025-08-04 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: SC

Complaint narrative:
I received a gift card from my old boss worth {$100.00} and i just went to check the balance and the phone number and website given on card is saying there is no account with the information provided. I tried to submit an online form on their website under " card not working '' and it gave me the error " Your request can not be completed at this time. Please contact the number on the back of your card. '' But there is no way to actually talk to anyone with the number provided. So now i have this gift card that i can't even use.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by RentDebt for {$1100.00}, originally from XXXX XXXX, appearing on my XXXX XXXX and XXXX  credit reports. This account is reporting inaccurate, incomplete, and unverifiable information. 
Violations include : 1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy. Reporting unverifiable or outdated collections violates this obligation.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), a reasonable investigation must be conducted upon dispute, and must include competent evidencenot data-matching or automated responses.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be permanently deleted from all credit reports.

4 Under FCRA 609 ( a ) ( 1 ), I have the right to obtain full documentation supporting the account, including a signed application or contract, billing statements, and payment history.

5 Under FCRA 611, the bureaus and furnishers must reinvestigate disputed information and respond with legally sufficient evidence within 30 days.

6 Under FCRA 1681s-2 ( b ), the furnisher ( in this case, the collection agency ) must conduct a proper investigation and delete or update incorrect information after being notified of the dispute.

7 Under the Uniform Commercial Code UCC 1-308, I reserve all rights and do not waive my right to pursue civil claims if this account remains without proper legal substantiation.

RentDebt has failed to provide validation of this debt, including a signed contract and itemized statements proving liability. No wet-ink signature or account-level documentation has been provided.

Additionally, the reporting may be affected by identity errors, including outdated addresses or incorrect name variations. If this account was attached through erroneous data linking, it must be deleted under FCRA 1681e ( b ).

I am requesting the CFPB to investigate and require RentDebt and the credit bureaus to provide legally valid evidence. If they can not provide full documentation within the required timeframe, I am requesting permanent deletion of this collection account ( Acct # : XXXX XXXX XXXX from all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX I've filed disputes on my credit bureaus regarding the accuracy of the payment details and they were denied. They are showing that I had late payments in XXXX and XXXX of XXXX and XX/XX/XXXX. However, I paid for those months, as agreed upon by notarized documents, as a requirement of a loan modification. A payment of {$950.00} was made for each of these 3 months. If I were to miss any of those payments, the modification would have been terminated, so these were all made on time. XXXX 's installment was made, as agreed upon in the modification documents, and was debited from XXXX XXXX checking on XX/XX/XXXX. On my statement from XXXX XXXX XXXX dated XX/XX/XXXX, credit for that payment is shown as being received on XX/XX/XXXX. On my mortgage statement dated XX/XX/XXXX, payment is listed as having been received on XX/XX/XXXX, with that amount being deducted from my XXXX XXXX checking account on XX/XX/XXXX. Payment for XX/XX/XXXX was shown as having been received on the XXXX XXXX statement dated XX/XX/XXXX. This amount was posted to my XXXX XXXX checking account on 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
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
There are violations of consumer rights and federal laws that have occurred in relation to my credit report maintained by you all three credit agencies TransUnion, Equifax and Experian. I sent you FTC identity Theft reports because you TransUnion, Equifax and Experian knowingly committed Aggravated Identity Theft. You replied saying each creditor replied back to you saying THEY DECLINED to remove the accounts and said that they were accurate from the claim that you TransUnion and Equifax and Experian sent to them. So specifically, the inclusion of the following accounts and inquiries on my credit report is in violation of the law, and I demand their immediate removal. 

Account Name : XXXX. XXXX XXXX XXXX XXXX {$9100.00} XXXX. XXXX XXXX XXXX {$300.00} XXXX. XXXX reporting late payment Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX According to 18 USC 1028a, it is unlawful for anyone to knowingly transfer, possess, or use another person 's means of identification without lawful authority or permission. As a result, any reporting of these accounts without proper authorization is deemed as aggravated identity theft. I have not provided written or verbal permission for these accounts to be included in my credit report, and therefore their presenc is in violation of federal law. 

Furthermore, 15 USC 1681a ( 2 ) B stipulates that the term " consumer report '' does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. It is evident that the inclusion of these accounts and inquiries on my credit report does not fall within the scope of authorized extensions of credit. Hence, they should be removed accordingly. 

I demand that you promptly do what is right and equitable to me as a consumer as the law says and take appropriate action to remove the aforementioned accounts and inquiries from my credit report. 
Additionally, please provide written confirmation of their removal and an updated copy of my credit report reflecting these changes. 

Failure to comply with this request may result in legal action to protect my rights as a consumer. 

I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
There are violations of consumer rights and federal laws that have occurred in relation to my credit report maintained by you all three credit agencies TransUnion, Equifax and Experian. I sent you FTC identity Theft reports because you TransUnion, Equifax and Experian knowingly committed Aggravated Identity Theft. You replied saying each creditor replied back to you saying THEY DECLINED to remove the accounts and said that they were accurate from the claim that you TransUnion and Equifax and Experian sent to them. So specifically, the inclusion of the following accounts and inquiries on my credit report is in violation of the law, and I demand their immediate removal. 

Account Name : XXXX. XXXX XXXX XXXX XXXX {$9100.00} XXXX. XXXX XXXX XXXX {$300.00} XXXX. XXXX reporting late payment Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX According to 18 USC 1028a, it is unlawful for anyone to knowingly transfer, possess, or use another person 's means of identification without lawful authority or permission. As a result, any reporting of these accounts without proper authorization is deemed as aggravated identity theft. I have not provided written or verbal permission for these accounts to be included in my credit report, and therefore their presenc is in violation of federal law. 

Furthermore, 15 USC 1681a ( 2 ) B stipulates that the term " consumer report '' does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. It is evident that the inclusion of these accounts and inquiries on my credit report does not fall within the scope of authorized extensions of credit. Hence, they should be removed accordingly. 

I demand that you promptly do what is right and equitable to me as a consumer as the law says and take appropriate action to remove the aforementioned accounts and inquiries from my credit report. 
Additionally, please provide written confirmation of their removal and an updated copy of my credit report reflecting these changes. 

Failure to comply with this request may result in legal action to protect my rights as a consumer. 

I look forward to a swift resolution.

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 2025-08-04 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: OK

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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