vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: MS

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 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 2025-05-17 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: LA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Identity Theft / Unauthorized Account / Final Notice Before Lawsuit Consumer Name : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXXXXXX LA XXXXXXXX Phone Number : ( XXXX ) XXXX Email : XXXX Date : XXXX XXXX Complaint Summary : I am filing this formal complaint against the following credit reporting agencies : Experian Information Services, LLC TransUnion LLC Equifax Information Services, LLC These agencies have willfully and negligently continued to report an unauthorized student loan account listed as Dept of ED/XXXXXXXX XXXX XXXX multiple formal disputes and lawful notices submitted under both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), XXXX U.S.C. XXXXd. 

Nature of the Complaint : Unauthorized Account Reporting I never applied for, authorized, or benefited from the alleged student loan account. I have never signed a promissory note, credit application, or agreement regarding this account. 
Failure to Delete Under 15 U.S.C. XXXXd Despite invoking my rights under XXXX, the bureaus have refused to delete the unauthorized tradeline, which by law should not be reported against me without verified authorization. 
False Verification & Inaccurate Reporting The credit bureaus repeatedly mark the account as verified without producing any lawful documentation or supporting evidenceconstituting willful misreporting under 15 U.S.C. XXXX ( b ), XXXX, and XXXX. 
Denial of Fraud Block Requests My fraud block requests were improperly denied, and the account continues to harm my credit profile. 
Harm Caused : Significant drops in my credit score Denial of credit opportunities Reputational harm Emotional distress Violation of my consumer and civil rights Resolution Demanded : Permanent deletion of the Dept of ED/XXXX account from all three credit reports Cessation of all future reporting or reinsertion of the account Written confirmation of removal and compliance with XXXX Compensation of {$1000.00} per late payment mark as damages for unlawful reporting and emotional harm I have attached supporting documentation, including : Identity affidavit Account dispute notices A formal invoice for damages totaling {$5000.00} Final Notice of Intent to Sue Final Notice Before Litigation : If this matter is not resolved within XXXX days, I will initiate civil litigation in XXXX XXXX XXXX and pursue : Statutory and actual damages under FCRA and XXXX Declaratory and injunctive relief Legal fees and court costs Regulatory escalation and press release of this abuse This is the final opportunity for Experian, TransUnion, and Equifax to correct the record and comply with federal consumer law before full legal action commences. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX | Without Prejudice XXXX XXXX XXXXXXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments. 

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX, and my State Attorney General. 

I look forward to your prompt 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 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-05-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: American Coradius International LLC
State: SC

Complaint narrative:
Original complaint was saying is that I owed XXXX to XXXX XXXX they say they close the account and send it back to XXXX XXXX. I never opened XXXX XXXX so its a lie to begin with and still is a lie of theres so there never was anything to close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two Chase bank checking accounts. On XX/XX/XXXX I initiated a bank transfer to cover an overdrafted account. The account transfer was rejected, due to " problems with my account '' stated on the Chase app. I called Chase bank and talked to customer service on XX/XX/XXXX. Customer Service stated that my account was flagged for fraud, and it has been closed, and they are refunding my money in the form of a cashiers check. At no time did anyone from Chase contact me about my account about suspected fraud. The customer service gave me the number of the " fraud investigator '' XXXX. I attempted to call this number multiple times over the course of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All calls were unanswered and went to voicemail. I left multiple voice mails for someone to call me back. As of yet my calls have not been returned. I ran my own XXXX report and no fraud was reported on it, on any of my accounts. I believe that the fraud flag is in error. My accounts are still frozen, and I am debilitated by this failure from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my lift and credit heath.

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 2025-05-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 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 2025-05-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These fraudulent accounts are affecting my ability to obtain new credit. I need them removed immediately.

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 2025-05-17 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: MS

Complaint narrative:
These fraudulent accounts are affecting my ability to obtain new credit. I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed incorrect personal information with all three credit bureaus. I requested that only my correct name ( XXXX XXXX XXXX ), current address ( XXXX XXXX, XXXX, TN XXXX ), verified SSN, and employment ( Self-Employed ) be reported. 

Instead of fixing the issues, the credit bureaus left outdated names, addresses, and employers on my report. I previously filed complaints with the CFPB ( file numbers XXXX, XXXX, and XXXX ), but the cases were marked resolvedeven though the wrong information is still showing.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed incorrect personal information with all three credit bureaus. I requested that only my correct name ( XXXX XXXX XXXX ), current address ( XXXX XXXX, XXXX, TN XXXX ), verified SSN, and employment ( Self-Employed ) be reported. 

Instead of fixing the issues, the credit bureaus left outdated names, addresses, and employers on my report. I previously filed complaints with the CFPB ( file numbers XXXX, XXXX, and XXXX ), but the cases were marked resolvedeven though the wrong information is still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: AK

Complaint narrative:
They are claiming that my bank did a charge ( {$10.00} ) back when i made a deposit and are now holding all my funds ( over {$2000.00} ), even though there is the money for them to takeout. When i attempt to sort this out with company, they tell me chat support is unavailable and can not give me any timeframe

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 2025-05-17 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: CA

Complaint narrative:
Dear Credit Bureau, This letter serves as a formal demand for immediate correction or deletion of inaccurate information being reported on my credit file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Type : Secured Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Paid and Closed This account, which is properly paid and closed, continues to display a consumer dispute remark, which I am no longer asserting. This remark is now inaccurate and misleading, and I demand it be removed immediately. 

Additionally, the payment history for this account is incomplete, showing several ND ( No Data ) entries where on-time payment data should exist. This incomplete history could negatively impact credit scoring models and misrepresent my payment behavior. 

I am demanding : Immediate removal of the consumer dispute comment Correction and completion of the payment history Affirmation of the account as Paid in Full No Delinquencies Outstanding If these corrections can not be made and verified, I demand this tradeline be deleted in its entirety in accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Type : Secured Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Paid, Closed/Never Late This account is also listed with a consumer dispute remark, despite being paid in full, closed, and never delinquent. This is both inaccurate and defamatory, and I demand the immediate removal of that comment. 

Additionally, the account 's payment history is largely blank, showing ND ( No Data ) throughout its active period. For a fully repaid 12-month installment loan with no missed payments, this history should reflect positive performance to accurately represent my credit behavior. 

I am demanding : Immediate removal of the dispute comment Completion of accurate, on-time payment history Confirmation that the account is accurately reported as Paid as Agreed Never Late Failure to Act If either accounts data can not be verified and corrected, I demand their full deletion from my credit report. You are legally obligated under the FCRA to complete this investigation within 30 days of receipt. 

If you fail to act accordingly, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 


I expect your written confirmation that these corrections or deletions have been completed.

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 2025-05-17 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 explanation