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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year> I attempted to withdraw {$100.00} from an ATM owned by XXXX inside the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 
At the end of the transaction as the machine switched to print receipt and dispense money, the machine glitched and rebooted, giving neither the money or reciept. 
When this was reported to the clear on duty, I was merely told " not our machine, call the bank ''..... I attempted to contact FTCI and was redirected to contact my own bank, Discover, to open the dispute. I did so immediately. 
Several days later I received a letter stating that the issue was being closed as a good transaction. When I contacted discover AGAIN to dispute this, they stated I needed to " supply proof that the transaction failed '' .... without EVER explaining exactly how I could POSSIBLY do this. 
I was able to finally reach someone at Discover who APPEARED to be helpful and was ( supposedly ) on a live call with XXXX XXXX who ALSO stated that XXXX HAS XXXX INFORMATION showing a transaction occuring ON MY ACCOUNT AT THAT ATM ON THAT DATE.... yet, Discover, who TOOK THE MONEY out of my account, is leaving the case closed as a legitimate withdrawal, and refusing to reopen the case OR return the money mistakenly removed from my account, again stating that * I * need to show " proof that the transaction didn't complete ''....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing several hard inquiries appearing on my Experian credit report that I do not recall authorizing. Please verify that each was made with my consent and for a permissible purpose under the FCRA. If Experian can not verify this, I request that these inquiries be deleted immediately. 

Disputed Inquiries : XXXXXX/XX/XXXXXX/XX/XXXX ( listed XX/XX/XXXX ) These inquiries are negatively affecting my credit score, and I do not believe I authorized some or all of them. Please provide documentation showing when and how my authorization was given. 

If Experian can not verify authorization, I request that these inquiries be removed in compliance with FCRA XXXX ( a ). 

Thank you for your prompt investigation and written response confirming the outcome.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments appearing on my TransUnion credit report. 

Charged-Off Accounts : XX/XX/XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account Number : XXXXXX/XX/XXXX, Date : XX/XX/XXXX, Balance : {$680.00} XX/XX/XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$590.00} XX/XX/XXXXXXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$410.00} XX/XX/XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXX, Account Number : XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00}XX/XX/XXXX Account Number : XXXX, Date XXXX XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5600.00} Inquiries : XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX, Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX, Account Number : 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 2025-11-11 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you XXXX have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
I am disputing inaccurate and unverifiable rent charges reported byXX/XX/XXXXXXXX that are appearing on my credit. 

I paid rent in full for XX/XX/year>2024 ( I have attached proof of payment ) and moved out shortly afterward XX/XX/year>2024. I later sent my full move-out notice by email to XXXX on XX/XX/scrub> 2024 ( also attached below ). 

The apartment complex and its collection representative claim I owe additional rent for XX/XX/year>2024 and beyond, but I was no longer living there during that time. They also claim to have sent me certified eviction documents dated XX/XX/year>2024, which I never received. There is no eviction listed on my credit report, and I have not received any court paperwork. 

I filed a dispute and records request with the credit bureau around XX/XX/year>2024, providing my documentation. The bureau confirmed my dispute was under review but has not yet provided verification from the apartment complex. Under the Fair Credit Reporting Act ( FCRA ), only verified and accurate information may be reported. Since the apartment complex has not provided valid documentation confirming this debt, I am requesting that the unverified charges after XX/XX/scrub> 2024 be removed from my credit report and that I receive written confirmation of the results. I believe these charges are incorrect and constitute an attempt to collect a debt that I do not owe.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Simply put, the information you are furnishing to the credit bureaus is incorrect and is causing me significant harm.while the accounts are now " under dispute, '' the credit bureaus have not provided me with the results of their investigation. Your complaint was to have the errors corrected or deleted, not just marked as disputed.I am filing a formal dispute directly with American Express regarding the inaccurate reporting of an account on my credit reports. The details of the account are associated with my name and personal information. 

I previously disputed this item with XXXX  credit bureau. In their response ( Company Response Date : XX/XX/year> ), they stated they " verified '' the account belonged to me and updated certain fields, but they did not remove the inaccurate information. 

I am now exercising my right under the Fair Credit Reporting Act ( FCRA ) to dispute this information directly with you, the furnisher. The information you are reporting is inaccurate.While I had an account, the details you are reporting are wrong. This includes, but is not limited to, the payment history, account status, balance, and closing date.Pursuant to your obligations under the FCRA, I request that you conduct a reasonable investigation into this dispute. Please review your records thoroughly and correct the inaccurate information you are reporting to all credit bureaus ( XXXX XXXX XXXX XXXX ). If you can not verify the accuracy of the account, it must be deleted.UCC 3-305, 15 USC 1611,1602,15 USC 1691 ( B ) 1692 ( c ) Thank you for your prompt attention to this serious matter.

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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am filing this complaint against Sequium Asset Solutions ( also known as Sequium Customer Support ) for repeated and harassing communications through phone calls and emails in violation of federal consumer protection laws. 

Despite not providing consent for ongoing communications, the company has contacted me dozens of times by phone and email between XX/XX/year> and XX/XX/year>, as shown in the attached call and message logs. The communications have been excessive, unwanted, and constitute clear harassment. 

The calls originated primarily from ( XXXX ) XXXX, and the emails were repeatedly sent under Sequium Customer Support, addressing XXXX XXXX regarding alleged debt collection activity. The frequency and persistence of these contacts far exceed what is legally permissible. 



Violations of Law The actions of Sequium Asset Solutions appear to violate multiple provisions of federal law, including : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692d ( 5 ) : Prohibits causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass.

1692c ( a ) ( 1 ) : Prohibits communication at unusual or inconvenient times or places without prior consent.

1692d : Prohibits conduct that harasses, oppresses, or abuses any person in connection with debt collection.

1692e : Prohibits false, deceptive, or misleading representations. 

2. Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ) Prohibits the use of automated dialing systems or prerecorded messages to call a consumers cellphone without prior express consent.

3. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in connection with consumer financial products or services.

Supporting Evidence Attached are screenshots documenting : Multiple missed and received calls from ( XXXX ) XXXX, spanning over two months. 
Dozens of unsolicited emails from Sequium Customer Support referencing alleged account activity. 
These communications demonstrate a clear pattern of repeated and unwanted contact that constitutes harassment.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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: VA

Complaint narrative:
Dispute Summary : I am disputing the following charged-off accounts and inquiries as inaccurately reported on my Experian credit report. I request a thorough investigation to ensure the accuracy of these entries. 

Charged-Off Account ( XXXX ) : Account Name : XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : Account Name : XX/XX/XXXX Date Inquired : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Inquired XXXX XX/XX/XXXX Account Name : XXXXXX/XX/XXXX Date Inquired : XX/XX/XXXX Late Payments : Account Name : XXXX XXXX Account Number : 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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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