vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute inaccurate and misleading information being reported on my credit file. 
Upon review of my credit report, I noticed that the account identified as XXXX, Account No. XXXX, is showing XXXX, XXXX, and XXXX late payment notations for XXXX XXXX. However, there are no XXXX or XXXX late entries preceding these remarks. Prior to these entries, the account was consistently marked Paid as agreed. 



This reporting pattern is factually inaccurate and misleading, as delinquency progression must reflect the true sequence of events. According to standard credit reporting practices and the XXXX XXXX Credit Reporting Resource Guide, late payments must follow chronological order ( XXXX XXXX XXXX XXXX days ). Jumping directly from paid as agreed to 90 days late constitutes a false representation of payment history and violates federal accuracy requirements. 


Legal Basis of My Dispute : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers shall not provide information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies must conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate or unverifiable data within XXXX days. 
XXXX. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 
XXXX. Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After seeing my credit report, I have seen that accounts are showing up with late payments that are being reported illegal.

According to 15 U.S. Code 1681 ( 4 ), you must respect a consumer 's right to privacy and fairness, which your agency is in direct violation of under the FCRA. additionally 15 U.S. Code 1681 ( 2 ) ( A ) i clearly shows that it is ilegal to report transactions or experiences between the consumer and the person making the report, and late payments are experiences between me and your agency. To make matters worse, you can not provide any account as late according to 15 U.S. Code 16668 unless the information of 15 U.S. Code 1637 is delivered 21 days before my creditor 's payment due date, which your company did not do. 
As a consumer of my credit report, I have not received any written or electronic notification that my nonpublic personal information would be exposed to your agency, nor have I been given the opportunity to get out of the exposure, which is a violation of 15 U.S.

Code 6802. Throughout the course of this letter, your agency has broken multiple laws governed by the FCRA ; therefore, all late payments must be removed 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My credit card was fraudulently used in XXXX in XX/XX/year> especially big charges at the XXXX XXXX, which the reservation was shown to have a different name on it. Amex has refused to deal with this after emailing and calling them hundreds of times over the pasXXXX XXXX  years and I am considering legal action as they pursue this bill. Amex is in violation of XXXX laws : Truth in Lending Act / Fair Credit Billing Act ( Reg Z ). I get billing error rights : AmEx must acknowledge my dispute within XXXX days and resolve within two billing cycles ( 90 days ) ; while its pending they cant try to collect the disputed amount, add related finance/late charges to it, or report it as delinquentand they cant demand a police report or sworn affidavit just to consider it. 

Unauthorized-use cap. By law my liability for an unauthorized credit-card charge is at most {$50.00} ( many issuers make it {$0.00} ). Theyre trying to stick me with a fraud charge, TILA 1643/ Reg Z 1026.12 ( b ). 

FCRA ( credit reporting ). Once I disputed through a credit bureau, AmEx ( as a furnisher ) must conduct a reasonable investigation, correct/update what they report, and note the account as disputed. Refusing to investigate after a bureau notifies them violates FCRA 1681s-2 ; CFPB has warned furnishers on this. 

FDCPA / Regulation F ( if a third-party collector is chasing it ). The collector has to send a validation notice, and if I dispute in writing within XXXX days they must cease collection until they mail verification. 

XXXX ( XXXX ). Misrepresenting my rights or unfairly continuing fees/collections despite a proper dispute can be an unfair or deceptive act or practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding JEFFERSON CAPITAL SYSTEM in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the JEFFERSON CAPITAL SYSTEM containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Illinois Without proof of ownership or a chain of title, JEFFERSON CAPITAL SYSTEM has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into JEFFERSON CAPITAL SYSTEM 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful.

Account Details ( if required by platform ) Collector : JEFFERSON CAPITAL SYSTEM Original Creditor : [ Original Creditor Name ] Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal Credit Union charged us around {$8000.00} of debt on a {$16000.00} credit limit due to their high amount of interest. I have been XXXX XXXX since 2012 with no lapse in service. They are not following XXXX with their rates and we do not actually owe the amount they closed on the account. We told them that and they said it does not apply to him but we feel it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for Account Name : XXXX XXXX Account Number : XXXX * * Account Name : XXXX XXXX Account Number : XXXX * * Account Name : XXXX XXXX Account Number : XXXX * * * Account Name : XXXX Account Number : XXXX * * * which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for your assistance.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 


UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I recently recieved a credit alert that my credit score was negatively impacted by student loans. When I verified the information, Mohela had reported to the credit bureaus that I was 90 days past due on my loan. My current loan was on a forbearance and I never received any communication from the lender. When I called the lender, I was on hold for XXXX hours just to be told there was nothing that could be done. The representative " XXXX '' verified all of my current information before we could discuss the account, which supports that Mohela has all the information necessary to contact me. To date, I have not received any XXXX mail, emails or phone calls from Mohela regarding my delinquency. Yet, my credit score dropped XXXX points due due to this false reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Citi credit card was stolen and used fraudulently in XXXX last year XXXX. I disputed these charges with Citi and they refused to acknowledge it and still chases me for the bill. 

Citi has refused to deal with this after emailing and calling them hundreds of times over the past year and I am considering legal action as they pursue this bill. Citi is in violation of 5 laws : Truth in Lending Act / Fair Credit Billing Act ( Reg Z ). I get billing error rights : Citi must acknowledge my dispute within 30 days and resolve within two billing cycles ( 90 days ) ; while its pending they cant try to collect the disputed amount, add related finance/late charges to it, or report it as delinquentand they cant demand a police report or sworn affidavit just to consider it. 

Unauthorized-use cap. By law my liability for an unauthorized credit-card charge is at most {$50.00} ( many issuers make it {$0.00} ). Theyre trying to stick me with a fraud charge, TILA 1643/ Reg Z 1026.12 ( b ).

FCRA ( credit reporting ). Once I disputed through a credit bureau, Citi ( as a furnisher
) must conduct a reasonable investigation, correct/update what they report, and note the account as disputed. Refusing to investigate after a bureau notifies them violates FCRA 1681s-2 ; CFPB has warned furnishers on this.

FDCPA / Regulation F ( if a third-party collector is chasing it ). The collector has to send a validation notice, and if I dispute in writing within 30 days they must cease collection until they mail verification.

UDAAP ( Dodd-Frank ). Misrepresenting my rights or unfairly continuing fees/collections despite a proper dispute can be an unfair or deceptive act or practice.

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 2025-10-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX 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 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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX debt of {$2000.00} originating in XX/XX/XXXX. Purchased by Midland Funding LLC doing business in NY as Midland Funding of Delaware LLC. There is now a judgement for the amount of {$4700.00}, delivered to me on XX/XX/XXXX as an income withholding order by XXXX XXXX XXXX XXXX. This debt is more than XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief