vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
After reviewing my credit records, I have identified several accounts that contain inaccurate late payment notations that do not reflect my verified payment history. These discrepancies have created a misleading impression of my creditworthiness and must be promptly corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). 
The first account, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  reflects a balance of {$290000.00} and shows a 30-day late payment for XX/XX/XXXX. This reporting is inaccurate because my payment for that period was made prior to the due date and confirmed by my bank records. There was no delay or interruption in the transaction process that would justify a delinquency mark. Therefore, I request that this late entry be corrected and updated to accurately reflect the accounts true on-time payment status. 
The second account, XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX, lists a balance of {$420.00} and shows 30-day late notations for XXXX, XXXX, and XX/XX/XXXX. These entries are inconsistent with my records, which confirm that all payments were made in accordance with the agreed terms. There is no evidence of any legitimate delinquency during these months, and it appears that these marks resulted from reporting or processing errors. I am requesting a full review and that the account be corrected and updated to show an accurate payment history. 
Additionally, I have identified three closed accounts that also contain erroneous late payment entries. 
XXXXXXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ) shows a 30-day late mark, despite the account being closed in good standing with no delinquency verified through my payment records. 
XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX shows a 30-day late payment in XX/XX/XXXX, which is incorrect based on verified payment confirmations showing full and timely payments. 
XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reflects a {$0.00} balance but appears to carry residual reporting inconsistencies that should be reviewed and updated to ensure accurate closure status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my credit records, I have identified several accounts that contain inaccurate late payment notations that do not reflect my verified payment history. These discrepancies have created a misleading impression of my creditworthiness and must be promptly corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). 
The first account, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  reflects a balance of {$290000.00} and shows a 30-day late payment for XX/XX/XXXX. This reporting is inaccurate because my payment for that period was made prior to the due date and confirmed by my bank records. There was no delay or interruption in the transaction process that would justify a delinquency mark. Therefore, I request that this late entry be corrected and updated to accurately reflect the accounts true on-time payment status. 
The second account, XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX, lists a balance of {$420.00} and shows 30-day late notations for XXXX, XXXX, and XX/XX/XXXX. These entries are inconsistent with my records, which confirm that all payments were made in accordance with the agreed terms. There is no evidence of any legitimate delinquency during these months, and it appears that these marks resulted from reporting or processing errors. I am requesting a full review and that the account be corrected and updated to show an accurate payment history. 
Additionally, I have identified three closed accounts that also contain erroneous late payment entries. 
XXXXXXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ) shows a 30-day late mark, despite the account being closed in good standing with no delinquency verified through my payment records. 
XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX shows a 30-day late payment in XX/XX/XXXX, which is incorrect based on verified payment confirmations showing full and timely payments. 
XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reflects a {$0.00} balance but appears to carry residual reporting inconsistencies that should be reviewed and updated to ensure accurate closure status.

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 2025-11-11 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy of information appearing on my TransUnion, Experian and Equifax credit report due to a potential data breach that has compromised the integrity of my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a prompt reinvestigation of the following account that I believe is being reported inaccurately as a result of that breach : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Balance : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I went through XXXX XXXX XXXX jeep in XXXX nc XXXX to get a vehicle. They got me contracted and gave my contract to XXXX  XXXX. I financed a vehicle in North Carolina. The amount financed was approximately {$17000.00}, but my APR was listed as 29 %. I believe this interest rate is excessively high and XXXX violate North Carolina lending laws or fair lending standards. 

The dealer did not clearly explain how the interest rate was calculated, and the final contract amount appeared inflated compared to the vehicles selling price. I am requesting that Chrysler Capital provide a detailed explanation of how the APR and total finance charges were determined, and that the CFPB review whether this loan complies with North Carolinas usury and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
I am disputing inaccurate reporting related to my XXXX XXXX XXXX and XXXX XXXX XXXX accounts appearing on my credit report. 
The information is inconsistent and unverifiable. For example, XXXX XXXX XXXX is reported with a {$2100.00} balance even though the account was closed and substantially paid down as of XX/XX/2025. XXXX XXXX XXXX is also showing an incorrect payment history and late payments that are not accurate. 
I previously submitted disputes to the credit bureaus, but the furnishers failed to provide proper verification or documentation as required under FCRA 611 ( a ). The accounts continue to report inaccurate balances and payment histories, causing harm to my credit standing.

Because the furnishers have not substantiated the data, the accounts should be deleted or corrected immediately in accordance with FCRA XXXX ( a ) ( XXXX ). I request the CFPB ensure that XXXX XXXX Auto, XXXX XXXX XXXX, and the credit bureaus investigate properly and remove any unverifiable information. ALL ACCOUNTS MUST BE REMOVED THATS NOT CORRECT DO TO THE CREDIT LAW FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B )

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This a debt I know nothing about .. they have called me and email me all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unauthorized information being reported under my consumer profile. The information being furnished and maintained on my credit report is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB conduct a thorough investigation into the following items and hold the responsible furnishers and credit reporting agencies accountable for their negligence and willful violations of federal law. These inaccuracies have caused me financial hardship, emotional distress, and denial of credit opportunities, and I seek immediate correction, deletion, and enforcement action. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate or not associated with me. Reporting multiple conflicting addresses violates FCRA Section 607 ( b ), which requires maximum possible accuracy. I request immediate deletion of all unverifiable addresses under FCRA Section 611. 

XXXX XXXX  Account # XXXX XXXX XXXX Late Payment * * Date Opened : XXXX Owed : {$0.00} This account shows false late payments. No proof or billing record supports these entries, violating FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( A ). Reporting unverifiable data misrepresents my payment history. I demand deletion or correction with full documentation. 

XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XXXX Owed : {$0.00} This account also reflects false late payments. No lawful validation or supporting documents have been provided. This violates FCRA Section 611 ( a ) and FDCPA Section 807 ( 8 ). Please remove this inaccuracy unless verified with evidence. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were done without my consent or permissible purpose, violating FCRA Section 604 ( a ). Such unauthorized inquiries harm my credit and must be deleted immediately. 

I request that the CFPB investigate these violations under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ) and Fair Debt Collection Practices Act ( 15 U.S.C. 16921692p ), compel the credit reporting agencies and furnishers to provide verified documentation or delete the inaccurate data, and ensure full compliance with consumer protection laws. The recurring reporting of unverifiable, false, and unauthorized information demonstrates negligence and willful noncompliance, warranting corrective and enforcement action.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: AL

Complaint narrative:
I am submitting this complaint because the same alleged account is being reported twice by two different furnishersonce by the original creditor and again by a third-party debt collector. Both are reporting negative data for the same debt, which is misleading, inaccurate, and severely damaging to my credit reputation.

This duplicate reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA 1681e ( b ) and 1681i, furnishers and consumer reporting agencies must maintain procedures that assure maximum possible accuracy. Reporting the same debt twice as if they are separate obligations is not only inaccurate but also deceptive to potential lenders.

Additionally, under FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ), it is a false and unfair practice to represent the same debt as multiple separate obligations or to attempt to collect amounts not expressly authorized by contract or law. Neither party has provided me with a properly executed agreement, chain of assignment, or proof of ownership as required under FDCPA 1692g ( b ).

This inaccurate reporting has caused significant harm, including credit denials, increased loan rates, and emotional distress. It appears no reasonable investigation was conducted despite prior disputes, and both entities continue to furnish duplicate derogatory data in violation of FCRA 1681s-2 ( b ). Such duplicative reporting is also a deceptive practice under Ala. Code 8-19-5 ( 27 ) and must be permanently deleted to restore data accuracy and compliance with federal law. I am requesting CFPBs intervention to ensure this duplicate, unverifiable account reporting is permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute inaccurate information that is being reported on my Experian credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and verification of the following accounts. The reported information contains errors regarding late payments and/or other inaccuracies that do not accurately reflect my payment history or account standing. XXXXAccounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$480000.00} XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$11000.00}

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute the reporting of XXXX accounts on my credit report that I have determined to be inaccurate and inconsistent across the XXXX major credit bureaus. The first account, XXXX, ending in XXXXXX/XX/XXXXis reported with differing balances and late payment history across TransUnion, Experian, and Equifax. The balance is reported as {$11000.00} on Experian and Equifax, and {$13000.00} on TransUnion. Additionally, the payment history shows late payments ranging fromXX/XX/XXXX days to XX/XX/XXXX days in various months, with inconsistencies in dates and delinquency periods between the bureaus. These inconsistencies misrepresent my actual payment history and create confusion regarding the accounts status and my creditworthiness. 
The second account, XX/XX/XXXX, ending in XXXXXX/XX/XXXXand XXXXXX/XX/XXXX, is reported as closed on TransUnion and Experian, while Equifax continues to report it as open. The balance is {$0.00} across allXX/XX/XXXX bureaus, and the payment history shows occasionalXX/XX/XXXX-day delinquencies that do not match my records. Reporting this account inconsistently across the bureaus misrepresents my credit behavior and creates a misleading profile for lenders and other entities relying on my credit report. 

Under 15 U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. I request that each credit bureau conduct a reasonable reinvestigation of these accounts, including contacting the furnishers to verify the correct balances, late payment history, and account status. Any inaccuracies discovered must be corrected and updated to reflect my actual records. Additionally, 15 U.S.C. 
XXXX ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. XXXX ( a ) prohibits reporting misleading, incomplete, or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : dont send me a stall letter I am writing in reference to a previously disputed account appearing on my credit file under the name XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, listed as a collection. According to my most recent credit report, your reinvestigation states : Account information disputed by consumer, meets FCRA requirements. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting that you provide the following information : 1. The name, address, and telephone number of the furnisher who verified the accuracy of this disputed account. 
2. The method of verification used to confirm the information as accurate.

3. The date on which the verification was completed.

Please provide this information in writing within 15 days of receiving this letter, as required by law.

If the information can not be verified with the furnisher in compliance with FCRA 611 ( a ), please delete the account from my credit file immediately. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: PA

Complaint narrative:
I am extremely upset to see that these inaccurate accounts are still appearing on my credit report. They were supposed to be removed, yet they continue to show up. Im pleading for the attached documents to be checked carefully so I can finally stop worrying about this once and for all.

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 2025-11-11 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: PA

Complaint narrative:
I am extremely upset to see that these inaccurate accounts are still appearing on my credit report. They were supposed to be removed, yet they continue to show up. Im pleading for the attached documents to be checked carefully so I can finally stop worrying about this once and for all.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these accounts ; they must be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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