vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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:
My responsible handling of credit is not shown accurately in this report and does not match my history.

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account 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 2025-08-19 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: PA

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. 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 an 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: 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: TX

Complaint narrative:
I am writing to respectfully request a one-time goodwill adjustment regarding a late payment reported on my XXXX XXXX credit card account. 

On XX/XX/year>, my account was flagged as 30 days past due. The following day, XX/XX/year>, my FICO score dropped by XXXX points as a result of this reporting. Shortly after I contacted XXXX, the late payment was removed, and on XX/XX/year>, my score increased by XXXX points. However, on XX/XX/year>, the late payment reappeared, causing my score to drop by another XXXX points. This removal and subsequent reappearance occurred without any written notice to me, as required under the Fair Credit Reporting Act. Attached is my score change history showing both the removal and the reinsertion. 

This late payment occurred while I was overseas and hospitalized after being the victim of a violent assault that left me severely injured. This traumatic and unforeseeable event made it impossible for me to access my accounts or arrange payment before the due date. As soon as I was physically able, I immediately brought my account current. This was an isolated incident, and I have otherwise maintained a consistent record of on-time payments throughout my history with XXXX. 

I take my credit obligations seriously and have been a loyal XXXX customer for several years. I am happy to provide any documentation you require, including medical records, police reports, and travel documentation, to verify my circumstances. 

Given the extraordinary nature of this situation, the fact that XXXX has already shown this item can be removed, and my otherwise strong payment history, I am respectfully requesting that you again remove the late payment from my credit reports with all three major credit bureaus as a one-time courtesy. 

Thank you for taking the time to review my request. I value my relationship with XXXX and look forward to your favorable consideration. 

Sincerely, XXXX XXXX Account Ending in : 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 2025-08-19 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:
I am writing to respectfully request a one-time goodwill adjustment regarding a late payment reported on my XXXX XXXX credit card account. 

On XX/XX/year>, my account was flagged as 30 days past due. The following day, XX/XX/year>, my FICO score dropped by XXXX points as a result of this reporting. Shortly after I contacted XXXX, the late payment was removed, and on XX/XX/year>, my score increased by XXXX points. However, on XX/XX/year>, the late payment reappeared, causing my score to drop by another XXXX points. This removal and subsequent reappearance occurred without any written notice to me, as required under the Fair Credit Reporting Act. Attached is my score change history showing both the removal and the reinsertion. 

This late payment occurred while I was overseas and hospitalized after being the victim of a violent assault that left me severely injured. This traumatic and unforeseeable event made it impossible for me to access my accounts or arrange payment before the due date. As soon as I was physically able, I immediately brought my account current. This was an isolated incident, and I have otherwise maintained a consistent record of on-time payments throughout my history with XXXX. 

I take my credit obligations seriously and have been a loyal XXXX customer for several years. I am happy to provide any documentation you require, including medical records, police reports, and travel documentation, to verify my circumstances. 

Given the extraordinary nature of this situation, the fact that XXXX has already shown this item can be removed, and my otherwise strong payment history, I am respectfully requesting that you again remove the late payment from my credit reports with all three major credit bureaus as a one-time courtesy. 

Thank you for taking the time to review my request. I value my relationship with XXXX and look forward to your favorable consideration. 

Sincerely, XXXX XXXX Account Ending in : 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 2025-08-19 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: TX

Complaint narrative:
I am writing to respectfully request a one-time goodwill adjustment regarding a late payment reported on my XXXX XXXX credit card account. 

On XX/XX/year>, my account was flagged as 30 days past due. The following day, XX/XX/year>, my FICO score dropped by XXXX points as a result of this reporting. Shortly after I contacted XXXX, the late payment was removed, and on XX/XX/year>, my score increased by XXXX points. However, on XX/XX/year>, the late payment reappeared, causing my score to drop by another XXXX points. This removal and subsequent reappearance occurred without any written notice to me, as required under the Fair Credit Reporting Act. Attached is my score change history showing both the removal and the reinsertion. 

This late payment occurred while I was overseas and hospitalized after being the victim of a violent assault that left me severely injured. This traumatic and unforeseeable event made it impossible for me to access my accounts or arrange payment before the due date. As soon as I was physically able, I immediately brought my account current. This was an isolated incident, and I have otherwise maintained a consistent record of on-time payments throughout my history with XXXX. 

I take my credit obligations seriously and have been a loyal XXXX customer for several years. I am happy to provide any documentation you require, including medical records, police reports, and travel documentation, to verify my circumstances. 

Given the extraordinary nature of this situation, the fact that XXXX has already shown this item can be removed, and my otherwise strong payment history, I am respectfully requesting that you again remove the late payment from my credit reports with all three major credit bureaus as a one-time courtesy. 

Thank you for taking the time to review my request. I value my relationship with XXXX and look forward to your favorable consideration. 

Sincerely, XXXX XXXX Account Ending in : XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item may have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 

Account XXXX : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date XXXX XX/XX/year> - XXXX {$2700.00}

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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently reviewed my credit reports and found that they contain several old and inaccurate addresses that are not associated with my current residence. These addresses are outdated and should not remain on my credit file, as they may lead to confusion, fraud, or the appearance of accounts that are not mine. 

I submitted dispute requests to the credit bureaus asking them to remove the obsolete and incorrect addresses and to keep only my current valid address. Despite providing proof of my current residence and identification, the credit bureaus have failed to correct this information. 

Why this is a problem Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate and up-to-date information in my credit file. Retaining old, inaccurate addresses violates this right and may negatively impact my creditworthiness or result in me being associated with accounts that do not belong to 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 2025-08-19 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: TX

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 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$680.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
The report provides an inaccurate picture of how I manage credit and doesn't reflect my financial responsibility.

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 — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: MS

Complaint narrative:
The account shows a {$0.00} balance, meaning it has been resolved/paid, yet it continues to be reported as a collection. This is inaccurate, incomplete, and misleading. I previously disputed this account with XXXX, but they verified it as accurate without providing proper documentation of validation as required under the Fair Credit Reporting Act ( FCRA 611 and 609 ). Simply marking the account as verified without providing actual proof of validation from the furnisher does not satisfy compliance with federal law.

Company public response: Company disputes the facts presented in the complaint
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: LA

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 2025-08-19 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: Colony Brands, Inc.
State: PA

Complaint narrative:
Formal Complaint Letter to the CFPB To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX [ Or submit online : https : //www.consumerfinance.gov/complaint/ ] From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Subject : Violation of Gramm-Leach-Bliley Act and Improper Credit Reporting Request for Immediate Deletion Dear Consumer Financial Protection Bureau , I am filing this formal complaint to report that several creditors and data furnishers have reported information about me to the three major credit reporting agencies XXXX XXXX, and XXXX  without first providing me, the consumer, with the clear and conspicuous privacy notice and opt-out opportunity required under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code XXXX. 

These companies failed to give me the legally mandated notice disclosing how my nonpublic personal information would be used or shared with third parties, including credit bureaus. Furthermore, I was never given CLEAR CONSPICUOUS NOTICE or afforded the opportunity to opt out of this information sharing. 

The following accounts have reported data to the credit bureaus listed below such as Payment History, Balance, Dates Reported and dates of Last Activity in which violates my privacy. : Accounts Reporting to XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  SEVENTH AVENUE Accounts Reporting to XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  SEVENTH AVENUE Accounts Reporting to XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis : Under the Gramm-Leach-Bliley Act, financial institutions must : Provide consumers with a clear and conspicuous notice explaining data collection and sharing practices ; Give consumers a reasonable opportunity to opt out before sharing personal data with non-affiliated third parties. 

None of the above-listed entities provided me with such a notice or opt-out opportunity, which constitutes a direct violation of federal law. These actions may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which governs the accuracy and fairness of consumer information used in credit decisions. 



Requested Resolution : I am formally requesting that the CFPB : Investigate these creditors for failure to comply with GLBA and FCRA requirements ; Direct XXXX XXXX, and XXXX  to remove these accounts, and especially any negative or derogatory information, from my credit profile ; Provide me with confirmation that these violations have been addressed and remedied. 



Governing Statutes : Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq. 



Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation