vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concern and dissatisfaction regarding Experians handling of my recent credit dispute ( s ). Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, you are required to conduct a reasonable investigation of disputed information and respond with the results of that investigation within XXXX days of receipt. 

Despite my submission of a valid and timely dispute, including supporting documentation, you have failed to properly investigate and correct the inaccurate or unverifiable information on my credit report. Instead, your response appeared to rely solely on automated responses or data from the furnisherwithout independent verification or consideration of the evidence I provided. 

This constitutes a willful and/or negligent violation of the FCRA, and you may be held liable for damages under XXXX XXXX. XXXX and XXXX, including actual damages, statutory damages, and attorneys fees, if necessary. 

I demand that you immediately : XXXX. Reopen and reinvestigate the disputed information in accordance with XXXX XXXX. XXXX. 
XXXX. Provide a detailed explanation of how your prior investigation was conducted and what evidence was used to verify the disputed item ( XXXX ). 
XXXX. Delete or correct any information that can not be properly verified. 
XXXX. Provide me with a free updated copy of my credit report reflecting the results of this reinvestigation, as required by 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 2025-06-18 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: MD

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
In accordance with the Fair Credit Reporting act XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX has violated my rights. 

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.

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 2025-06-18 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:
In accordance with the Fair Credit Reporting act XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am filing a formal dispute against Equifax for reporting inaccurate, outdated, and misleading information on my credit report regarding a XXXX XXXX account that was charged-off in XX/XX/XXXX. Despite the account being closed and charged off, Equifax is still reporting : An active past-due balance of {$2500.00}. 

The account as updated as recently as XX/XX/XXXX. 

Late payment history that continues months after the last reported activity in XX/XX/XXXX. 

These inaccuracies contradict the accounts status as non-collectible and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy in reporting. 

FCRA XXXX ( a ) : Failure to reinvestigate the disputed information. 

FCRA XXXX ( b ) : Data furnisher failed to validate or correct the inaccurate data. 

IRS XXXX XXXX + FCRA XXXX : No XXXX cancellation form reported, despite the charge-off being over a year old. 

Additionally, Equifax is reporting a {$0.00} credit limit alongside an active balance, which is internally inconsistent and misleading. The payment history also shows an illogical jump from XXXX to 120 days late from XXXX to XX/XX/XXXX, even though no activity should have been reported after charge-off. 

I submitted prior disputes to Equifax and requested reinvestigation and correction. However, they failed to fix the data or provide documentation to justify their reporting. This has negatively affected my credit profile and lending opportunities. 

This complaint is connected to FTC Report # XXXX, which documents the same violations and pattern of Equifaxs non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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! Delete 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 2025-06-18 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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! Delete 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 non-monetary relief
Consumer complaint received 2025-06-18 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:
b"Please remove the following items from my credit report:-\n\nADDRESSES:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-18 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:
b"Please remove the following items from my credit report:-\n\nADDRESSES:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-18 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:
Contact the company by phone in XXXX with no help. They at XXXX point tried to make me set up a payment plan for an account that has been cancelled which is legal this has already been written off. I then submitted a credit dispute with no help as they updated no information. They continually report that I owe a balance that was cancelled and I was forced to report in my taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-18 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: TX

Complaint narrative:
This is a formal dispute regarding multiple unauthorized, inaccurate, and unverifiable entries appearing on my credit report. You are reporting these accounts and inquiries without possessing original, legally valid documentation bearing my wet or electronic signature authorizing these transactions or access. 

As a data furnisher and credit bureau, you are required to maintain full compliance under XXXX XXXX. XXXX ( FCRA XXXX ) which mandates you to only report accounts or inquiries with permissible purpose and proper authorization. You have failed to produce any valid proof that such authorization exists. 

Under XXXX XXXX. XXXX ( b ), you have an obligation to conduct a reasonable investigation with complete documentation during any dispute. Reporting unverifiable and inaccurate information without sufficient evidence constitutes willful non-compliance and gross negligence. In addition, XXXX XXXX Compliance Guidelines ( CRRG ) require complete, accurate, and verifiable data to be reported. Any failure to meet these standards renders the reporting invalid. 

The following items are being formally disputed and must be permanently DELETED from my credit report : Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Inquiries : XXXX XXXX  - XXXXXXXX XXXX - XXXX Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect XXXX : XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX EMP You have XXXX days from receipt of this notice to provide fully validated, original documentation to substantiate the reporting of these accounts, collections, inquiries, and personal information. Failure to comply will constitute continued violations of my consumer rights, at which point I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal counsel for willful non-compliance and damages. 

I am demanding the PERMANENT DELETION of all listed inaccurate and unauthorized items. Please send me a full updated copy of my corrected credit report reflecting these deletions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I am filing this complaint to challenge the accuracy and verification of XXXX accounts reported by XXXX XXXX and XXXX on my credit reports. I previously submitted disputes to Equifax, Experian, and TransUnion, but the responses claimed the accounts were verified without showing any supporting documentation. I believe this violates the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), which requires a reasonable investigation into disputes. 

Account XXXX : XXXX XXXX Disputed Issue : Charged-off account / late payment history Inconsistencies Across Bureaus : Equifax : Shows a different Date of First Delinquency than Experian. 
Experian : Reports a 120-day late mark after the account was closed, which is chronologically incorrect. 
TransUnion : Shows Closed Paid, which contradicts the charge-off status in other reports. 

Dispute Summary : No documents ( contract, billing statements, etc. ) were provided despite multiple requests. 


Account XXXX : XXXX ( XXXX ) Disputed Issue : Late payments/ account status inaccuracies Inconsistencies Across Bureaus : Equifax : Lists the account as open, though it was closed more than a year ago. 
Experian : Shows late payments during a deferred/hardship period. 
TransUnion : Displays an incorrect credit limit and a different creditor name. 

Dispute Summary : The account was not properly validated ; reporting errors remain unresolved. 

Concerns Regarding Verification The disputes appear to have been handled using automated methods ( e.g., e-OSCAR ) with no actual document review.

None of the credit bureaus or furnishers provided : Original signed contracts Payment histories Proof that the negative information was reported accurately Verified responses were issued without resolving the clear inconsistencies between the three bureaus.

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 2025-06-18 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: NY

Complaint narrative:
I am filing this complaint to challenge the accuracy and verification of XXXX accounts reported by XXXX XXXX and XXXX on my credit reports. I previously submitted disputes to Equifax, Experian, and TransUnion, but the responses claimed the accounts were verified without showing any supporting documentation. I believe this violates the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), which requires a reasonable investigation into disputes. 

Account XXXX : XXXX XXXX Disputed Issue : Charged-off account / late payment history Inconsistencies Across Bureaus : Equifax : Shows a different Date of First Delinquency than Experian. 
Experian : Reports a 120-day late mark after the account was closed, which is chronologically incorrect. 
TransUnion : Shows Closed Paid, which contradicts the charge-off status in other reports. 

Dispute Summary : No documents ( contract, billing statements, etc. ) were provided despite multiple requests. 


Account XXXX : XXXX ( XXXX ) Disputed Issue : Late payments/ account status inaccuracies Inconsistencies Across Bureaus : Equifax : Lists the account as open, though it was closed more than a year ago. 
Experian : Shows late payments during a deferred/hardship period. 
TransUnion : Displays an incorrect credit limit and a different creditor name. 

Dispute Summary : The account was not properly validated ; reporting errors remain unresolved. 

Concerns Regarding Verification The disputes appear to have been handled using automated methods ( e.g., e-OSCAR ) with no actual document review.

None of the credit bureaus or furnishers provided : Original signed contracts Payment histories Proof that the negative information was reported accurately Verified responses were issued without resolving the clear inconsistencies between the three bureaus.

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