vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I am disputing inaccurate late payment reporting for XXXX XXXX XXXX  XXXX. The account is listed as XXXX XXXX XXXX XXXX  Days XXXX XXXX, but no original documentation validating the delinquency has been provided. 

Under FCRA 609 and 611, I request verification including a signed agreement, itemized payment history, and method of verification under 611 ( a ) ( XXXX ). 

If XXXX XXXX can not validate this reporting, it must be deleted. Continued furnishing of unverifiable derogatory data violates FCRA 623 ( a ) ( XXXX ) ( A ).

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 2025-07-29 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:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all XXXX  still show as XXXX. Signer on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXX. Signer on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-29 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:
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. 
XXXX XXXX TransUnion Experian Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Experian Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax Account 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 Status : Filed Filed Date Filed/Reported : XX/XX/year> XX/XX/year> Reference # : XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXX. XXXX  on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I am requesting the immediate deletion of all inaccurate late payment entries listed below from my XXXX  credit file due to the creditor 's failure to provide prior notice before reporting them. These accounts were reported without giving me the legally required opportunity to address or cure the alleged delinquencies, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Accounts to be Corrected or Removed : XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX Requested Actions : Reinvestigate each late payment with the data furnisher. Require documented proof that prior notice of the due date or missed payment was sent. If such documentation can not be produced, the late payment ( XXXX ) must be permanently removed from my credit report. Provide me with written confirmation of the outcome and a revised credit report within XXXX business days. Failure to correct this will result in further escalation, including additional regulatory complaints and potential legal action under FCRA 616 for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, a 90-day delinquency was reported to the credit bureaus for my federal student loan. This occurred shortly after the birth of my child, during a time when I qualified for deferment due to significant life changes and financial strain as a single mother to a newborn. 

However, I applied for and was subsequently approved for a backdated deferment covering this exact period. According to Nelnets own representatives- including those I spoke with directly - once deferment is granted retroactively, no payment is legally due for that time, and therefore, no delinquency should exist. 

Despite this, XXXX  has refused to update or remove the delinquency, even though both XXXX  and Equifax reviewed the same documentation and removed the negative marks from my reports in acknowledgement of my deferment and in compliance with the Fair Credit Reporting Act ( FCRA ), which requires that consumer credit information be accurate and complete. I have disputed with Transunion a handful of times but they keep telling me I need to go to Nelnet directly for them to update the report. I have disputed with Nelnet and they refuse to remove the delinquency since my delinquency started in XX/XX/XXXX and I called the next month. 

Nelnet gave inconsistent information during this process. Some representatives confirmed that once deferment is approved retroactively, the reported delinquency should be removed ; others claimed it could remain. This confusion has led to inaccurate and unfair reporting that is harming my credit standing. 

The fact remains : I was not in repayment status during this period. I do/did not owe any payments from XX/XX/XXXX to XX/XX/XXXX. I was granted deferment, and therefore no payment was due. Continuing to report this account as delinquent directly violates the accuracy provisions of the FCRA and creates unequal reporting across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TN

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
cash app account got closed for misuse of activity not sure why would like to fix this problem as I use it for my rent payment and other stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize and all is currently being investigated as it did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and I demand you to address this soon, please.

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 2025-07-29 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:
Hello CFPB, I am submitting this formal complaint against Experian, Equifax, and TransUnion for violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). My personal and account information has been shared and reported without my consent or proper notification, and I was not given the legally required opt-out option. Additionally, the credit bureaus are reporting inaccurate and unverified information, which further violates federal law. They all have been sent letters regarding my worries. I've also filed a complaint with the Federal Trade Commission. Everything is attached to this complaint. I am demanding the immediate and permanent deletion of all student loan accounts currently being reported, and I request full enforcement of federal consumer protection laws concerning consent, data privacy, and dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
Hello CFPB, I am submitting this formal complaint against Experian, Equifax, and TransUnion for violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). My personal and account information has been shared and reported without my consent or proper notification, and I was not given the legally required opt-out option. Additionally, the credit bureaus are reporting inaccurate and unverified information, which further violates federal law. They all have been sent letters regarding my worries. I've also filed a complaint with the Federal Trade Commission. Everything is attached to this complaint. I am demanding the immediate and permanent deletion of all student loan accounts currently being reported, and I request full enforcement of federal consumer protection laws concerning consent, data privacy, and dispute 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 2025-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: NC

Complaint narrative:
Reported/reporting false information on my credit report stating I owe them money from an account I opened with them in XX/XX/year>, and never made a payment. Would not provide me with signed agreement with them, nor would they provide me with an itemized document stating the last payment that was made, interest paid at time of agreement, any fees paid at the time agreement was made, and other pertinent information regarding this reported loan. Original date of loan, if not with them, with whom, account number of original loan, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Dispute of Unauthorized Transactions on Account # XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, I am writing to formally dispute all the transactions on this XXXX XXXX credit card account # XXXX. After a thorough review of the account activity, I have identified that none of these transactions were authorized by me. I believe this account has been subject to fraudulent activity. 
In accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am exercising my right to dispute these unauthorized charges and request that you open an investigation into this matter immediately. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 16811 ), I request that all information related to these fraudulent transactions be removed from my credit report as they are inaccurate and do not reflect my credit history.

Please : 1. Investigate all disputed transactions on account # XXXX. 
XXXX. Remove all fraudulent transactions and related negative information from my credit report. 
XXXX. Close or freeze this credit card account to prevent further unauthorized use. 
XXXX. Provide written confirmation of your receipt of this dispute and the actions taken. 
I request that you acknowledge this dispute in writing within 30 days, as required by federal law. 
Please communicate with me at the above address. 
Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Unauthorized Transactions on Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I am writing to formally dispute all the transactions on this XXXX XXXXXXXX XXXX XXXX account # XXXX. After a thorough review of the account activity, I have identified that none of these transactions were authorized by me. I believe this account has been subject to fraudulent activity. 
In accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am exercising my right to dispute these unauthorized charges and request that you open an investigation into this matter immediately. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 16811 ), I request that all information related to these fraudulent transactions be removed from my credit report as they are inaccurate and do not reflect my credit history.

Please : 1. Investigate all disputed transactions on account # XXXX. 
XXXX. Remove all fraudulent transactions and related negative information from my credit report. 
XXXX. Close or freeze this credit card account to prevent further unauthorized use. 
XXXX. Provide written confirmation of your receipt of this dispute and the actions taken. 
I request that you acknowledge this dispute in writing within 30 days, as required by federal law. 
Please communicate with me at the above address. 
Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 non-monetary relief