vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I contacted XXXX XXXX on a few occasions about an inaccurate late payment applied to my credit file for the month of XXXX XXXX My due date is XX/XX/year>, I paid XXXXXXXX XXXX payment on XX/XX/year>. It wouldn't be 30 days late until the XXXX day which was XX/XX/year>. I submitted my receipt of payment showing the payment was made XX/XX/year> and XXXX XXXX or credit bureaus did not remove the inaccurate late payment from my credit file. I will now seek a civil suit requesting {$1000.00} for each inaccurate late payment reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions Late Payment Creditor Name 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 XXXX I am writing to dispute a late payment listed on my credit report for the following account : This account is listed with late payments. Please provide me with a copy of the signed contract or voice recording where I authorized billing me on this account. If you can not provide this, you must remove this from my credit according to the Fair Credit Reporting Act ( FCRA ). 
If you are unable to verify the accuracy of this information, I request that the late payment be deletedor, if necessary, that the entire account be removed.

According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states t
hat the credit reporting agency may not provide an account without my written instructions Charged Off Creditor Name 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 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 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  This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions Late Payment Creditor Name 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 XXXX I am writing to dispute a late payment listed on my credit report for the following account : This account is listed with late payments. Please provide me with a copy of the signed contract or voice recording where I authorized billing me on this account. If you can not provide this, you must remove this from my credit according to the Fair Credit Reporting Act ( FCRA ). 
If you are unable to verify the accuracy of this information, I request that the late payment be deletedor, if necessary, that the entire account be removed.

According to the Fair Credit Reporting Act, has violated my rights, Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states t
hat the credit reporting agency may not provide an account without my written instructions Charged Off Creditor Name 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 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 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  This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
upon reviewing my credit report i notice a late payment listed on [ XXXX XXXX XXXX  ] i do not any document that pay showing was late I would to get those late payment remove. because they are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute a late payment that has been reported incorrectly under my credit profile. I have consistently upheld my payment obligations, and this entry is not supported by my personal records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed a rental eviction on my credit file reported by Equifax. I asked for full verification under FCRA 611, including court judgment, lease, and collection history.

Equifax failed to respond to my dispute and has not provided documentation or removed the account. This inaction violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I parked at a public lot in XXXX, Colorado and paid for parking using a mobile system. When I attempted to extend my session by one hour, the transaction failed due to a system error. I later received a notice from XXXX XXXX XXXX XXXX XXXX XXXX  ) stating I owed {$87.00} for overstaying by XXXX XXXX times the hourly rate of {$2.00}. I immediately contacted them, explained the issue, and mailed a {$4.00} payment to cover double what I owed, two hours, in good faith. They rejected my dispute and escalated the matter to Valor Intelligent Processing for collections. 

I submitted a formal written dispute to Valor and requested validation of the debt under the FDCPA, including a breakdown of the charge, proof of posted terms, and evidence that those terms were visible at the time of parking. They did not provide any of thatonly a copy of the original notice. The photos they provided show only my parked car, not when I exited the car, re-entered the car, attempted to pay, or any posted signage. Despite this, they continued collection efforts. 

This is a violation of the Fair Debt Collection Practices Act and Colorado law. I do not acknowledge the {$87.00} fee as valid, and the collection process was handled improperly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: FL

Complaint narrative:
I took a loan out on XXXX XXXX in the amount of {$550.00} and my weekly payments are {$83.00}. I have over paid and am still paying because they say I owe still {$550.00} when I have paid a total of {$910.00}. Formal Complaint and Demand for Investigation Illegal Lending Practices and Overcharges song by Post Lake Lending I am writing to formally notify you of serious concerns regarding Post Lake Lending company 's lending practices, which appear to be in violation of state laws and consumer protection regulations.

Your company is allegedly operating illegally within the state of Florida without proper licensing or registration required to conduct loan business. I have also experienced several concerning practices which I believe are unlawful and predatory, including : 1. Excessively high interest rates that
far exceed the legal limit set by state usury laws.

2. Lack of access to my loan balance and payment history, making it impossible for me to verify charges or track my repayment progress.

3. Continued charges and payment demands despite the fact that the original loan balance has already been repaid in full.

These actions not only violate fair lending practices but may also constitute fraud and exploitation. I demand that your company : Cease all collection efforts immediately. 

Provide a full and itemized statement of the loan, including balance, payments received, interest rates, and any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$490000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am filing a second dispute regarding multiple inaccurate late payments reported by XXXX and DPT EDXXXX. I was not notified of any upcoming due dates or delinquency notices for these accounts, and therefore, was denied the opportunity to address the issue before negative marks were reported. 

Despite my initial dispute, the inaccurate information remains on my credit report. This violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Failure to ensure accurate and complete reporting.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must notify consumers before reporting delinquencies.

FCRA 1681i ( a ) : Failure to verify disputed information must result in its deletion. 

Because the creditors have not verified that proper notice was sent, these negative entries are legally invalid. I have submitted a formal complaint to the CFPB and may escalate to the FTC, State Attorney General, and pursue legal remedies under FCRA 616 if not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within XXXX business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within XXXX business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am formally demanding that Equifax permanently delete the repossession entry associated with [ insert account details ] from my credit report. This entry is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reasonable reinvestigation ), and 1681c ( a ), which prohibits reporting accounts that are obsolete or exceed the seven-year limit for derogatory items such as repossessions. The balance on this account was never updated after the vehicle was sold at auction, and I was not provided with proper post-sale notification, deficiency accounting, or the opportunity to reclaim the vehicle, as required by both federal and state repossession laws. This deprives me of due process and may constitute an unfair or deceptive act or practice ( UDAAP ) under Dodd-Frank 1031 and 1036. The entry has already been removed by XXXX and XXXX further underscoring its invalidity. I demand that Equifax immediately reinvestigate this account, and failing lawful and documented verification, permanently delete the repossession to comply with federal law and cease further injury to my credit profile.Further, I was never provided with adequate or timely post-sale notifications, deficiency statements, or the opportunity to redeem the vehicle following its auction saleactions required under state repossession laws and relevant consumer protections. The balance on this account was not correctly updated, and no proper communication was ever made to allow me a chance to reclaim the vehicle, which constitutes a breakdown in due process. This mismanagement XXXX also amount to an unfair or deceptive act or practice ( UDAAP ) under the XXXX XXXX XXXX and XXXX. 
I demand that Equifax reinvestigate this account immediately. I also demand that the original creditor or furnisher be compelled to produce full documentation of lawful compliance, including auction sale records, notice delivery proofs, and deficiency calculations. In the absence of proper and verifiable documentation, I demand that the repossession be permanently deleted from my Equifax credit file to comply with federal law and prevent further unjust damage to my creditworthiness.

Company response to consumer: Closed with explanation