vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Details of the Account in Dispute : Account Number : XXXX. 
Creditor Name : XXXX XXXX XXXX.

Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-08-19 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:
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, The XXXX XXXX XXXX XXXX XXXX. the reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a XXXX  attachment, listing all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I filed multiple disputes with TransUnion regarding fraudulent accounts being reported on my credit file. Along with my disputes, I submitted an identity theft report, proof of identity, and supporting documentation. Despite this, the accounts remain and TransUnion has not taken the proper corrective action. This failure to reasonably investigate violates 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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I am filing a formal complaint regarding multiple inaccuracies across my credit reports with TransUnion, Experian, and Equifax. Despite previous disputes, the following accounts continue to be reported inaccurately and without verification, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : - XXXX XXXX XXXX XXXX : Closed account reported with multiple late payments ( XXXX days past due ). 
- XXXX XXXX XXXX : Auto loan reported as charged-off with inconsistent reporting dates and payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX : Student loan accounts reported inconsistently across bureaus ; some marked indeterminate and disputed but not corrected. 
- XXXX XXXX : Account reported as charged-off with balance discrepancies and missing payment history. 
The violations include : FCRA 602 ( 15 USC 1681 ) Purpose clause : requires fairness, impartiality, and accuracy in credit reporting.

FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) Failure to follo
w reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( 15 USC 1681g ) Right to disclosure ; requires original signed contract and validation of debt.

FCRA 611 ( 15 USC 1681i ) Failure to conduct proper reinvestigation of disputed information.

FCRA 623 ( 15 USC 1681s-2 ) Furnisher responsibilities violated by reporting inaccurate or unverifiable data.

FCRA 616 ( 15 USC 1681n ) Civil liability for willful noncompliance.

FCRA 617 ( 15 USC 1681o ) Civil liability for negligent noncompliance.

Metro 2 Compliance Manual Improper coding of charge-offs/late payments violates standardized reporting rules.

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 2025-08-19 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:
I am filing a formal complaint regarding multiple inaccuracies across my credit reports with TransUnion, Experian, and Equifax. Despite previous disputes, the following accounts continue to be reported inaccurately and without verification, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : - XXXX XXXX XXXX XXXX : Closed account reported with multiple late payments ( XXXX days past due ). 
- XXXX XXXX XXXX : Auto loan reported as charged-off with inconsistent reporting dates and payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX : Student loan accounts reported inconsistently across bureaus ; some marked indeterminate and disputed but not corrected. 
- XXXX XXXX : Account reported as charged-off with balance discrepancies and missing payment history. 
The violations include : FCRA 602 ( 15 USC 1681 ) Purpose clause : requires fairness, impartiality, and accuracy in credit reporting.

FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) Failure to follo
w reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( 15 USC 1681g ) Right to disclosure ; requires original signed contract and validation of debt.

FCRA 611 ( 15 USC 1681i ) Failure to conduct proper reinvestigation of disputed information.

FCRA 623 ( 15 USC 1681s-2 ) Furnisher responsibilities violated by reporting inaccurate or unverifiable data.

FCRA 616 ( 15 USC 1681n ) Civil liability for willful noncompliance.

FCRA 617 ( 15 USC 1681o ) Civil liability for negligent noncompliance.

Metro 2 Compliance Manual Improper coding of charge-offs/late payments violates standardized reporting rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am filing this formal complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, TransUnion has failed to remove or block fraudulent accounts from my credit file as required by law. The account in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which the furnishers confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. TransUnions refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for reinserting account without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year>XXXX  letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-19 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Moore Law Group
State: CA

Complaint narrative:
I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). You are hereby notified to cease all communication with me regarding any alleged debt. 

XXXX, or The Moore Law Group are prohibited from contacting me at my home, by phone, or in person. Any further contact outside of what is permitted under the law will be documented as a violation of the FDCPA. 

These companies assigned someone to come to my home on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX after XXXX ; XXXX XXXX.and disrupt my neigbborhood by knocking profusely. The agent who came to my home disturbed my under age son by asking him questions regarding his mother. This has caused a lot of stress in my home. I suffer from XXXX XXXX XXXX XXXX and going through XXXX XXXX. Please stop all communication except by email. All future correspondence, if necessary, should be in writing by only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
The XXXX XXXX account reporting on my TransUnion credit file was marked as verified, but no documentation has been provided proving that this account belongs to me or that the reporting is accurate. A simple confirmation from the furnisher does not satisfy the requirement of a reasonable reinvestigation under the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 1681i ).

Because this account can not be independently verified with proper documentation, it must be deleted from my credit report. TransUnion is in violation of the FCRA by continuing to report information that is not verified as accurate.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Re : Account with American Credit Accept Account # XXXX Dear XXXX, I am writing to formally dispute the information being reported on my credit file. The following account is listed incorrectly : Creditor Name : American Credit Accept Account Type : Auto Loan Account Number : XXXX ( last digits ) Status Reported : Charged Off / Balance {$14000.00} I believe this information is inaccurate and/or incomplete for the following reason ( s ) : [ choose one or more that applies to your situation ] The balance is incorrect.

The status is incorrect.

The account does not belong to me.

The charge-off date and/or payment history is inaccurate.

The account is too old to be reported ( past the 7-year reporting period ).

Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and verified. If the furnisher of information can not provide verification, I respectfully request that the account be corrected or removed from my credit report.

Please provide me with written confirmation of the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At XXXX XXXX. on XX/XX/XXXX last year, I found that my Chase Online Bank could not log in, so I went to the bank to find out the situation. The bank staff told me that someone activated my bank card on XX/XX/XXXX and took away my money ( XXXX ). At that time, I was at work and did not find it in time.! Then on XX/XX/XXXX, I took out another XXXX and XXXX, and spent XXXX on XXXX  using Debit card. These were told to me by the bank staff! Then I went to the police station to report the case and also contacted the claims department. Later, they rejected my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 2025-08-19 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-19 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:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I have repeatedly disputed fraudulent and inaccurate accounts reported on my Experian credit file. Each time, I provided my identity theft report, supporting documents, and proper identification. Despite these submissions, the accounts remain on my report. Experian has failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), and continues to report accounts that do not belong to me, causing harm to my credit profile.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Delete the following account from my consumer reports : Capital One/XXXX XXXX account XXXX sum {$2300.00} and {$1200.00} reporting two account with the same account number. 

The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.

15 U.S. Code 1681s2

Company response to consumer: Closed with explanation