vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-30 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: AL

Complaint narrative:
Please investigate and correct/delete the following account entries : XXXX. XXXX XXXX  XXXX Acct # XXXX Status : Charged-Off Balance : {$600.00} Delinquencies : Multiple, including 90-day Violation : Improper charge-off reporting with balance 2. Collection Accounts ( Exact details redacted from report ) Violation : No validation provided under FDCPA 809

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I am filing this formal complaint against First Credit Service for unlawful reporting of a negative item on my XXXX  credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). This collection account is currently preventing me from securing a home for my family. The account is inaccurate and is not reporting to XXXX  or XXXX. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA. Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this debt collector to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful. Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked. Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I am reporting an inaccurate late payment being reported by XXXX XXXX XXXX  that resulted from a banking error made by XXXX XXXX XXXX, not from any fault or negligence on my part. Despite providing documentation and completing both a formal dispute with the credit bureaus and a goodwill request to the lender, the late payment remains on my credit report. 
Details : On XX/XX/year> and several other dates after that, I made my mortgage payment to XXXX XXXX XXXX  as usual. The funds were available and fully deposited in my XXXX XXXX XXXX account. However, XXXX XXXX XXXX returned the payment in error, despite sufficient funds due to a processing error were I was told that there was a glitch in their system that caused deposits and debits not to show on the correct dates. Once the first payment was returned I contacted customer service and she informed me about the glitch and said it was a bank error and for me to resumbit my payment and she would reverse any fees due to the banks error with late posting. I did a additional deposit and resubmitted my payment that was also still returned two or three more times. I then contacted the manger of XXXX XXXX XXXX who also apologized about the error and wrote me a letter on letter head that I attached to my dispute and goodwill letter. XXXX XXXX XXXX  subsequently reported my payment as late to the credit bureaus. 
I contacted both banks immediately and provided documentation proving that the return was made in error by XXXX XXXX XXXX. I then filed a dispute with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX XXXX  verified the late payment without correcting it, even though the evidence clearly shows the payment should have been posted on time. 
This situation is harming my credit unfairly and inaccurately. I am requesting that XXXX XXXX XXXX and the credit bureaus correct this information and remove the late payment from my credit reports. The payment was made on time, and the return was a documented banking error that was outside my control. 
I am attaching supporting documentation, including : Proof of available balance at the time of payment Statement from XXXX XXXX XXXX showing the erroneous return Copies of my dispute and goodwill letters to XXXX XXXX XXXX  A letter from the manager at XXXX XXXX XXXX Manager who acknowledges the error as well. 

Requested Resolution : Please direct XXXX XXXX XXXX  to remove the inaccurate late payment from all credit reports and confirm correction with all three major credit 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 non-monetary relief
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I am reporting an inaccurate late payment being reported by XXXX XXXX XXXX  that resulted from a banking error made by XXXX XXXX XXXX, not from any fault or negligence on my part. Despite providing documentation and completing both a formal dispute with the credit bureaus and a goodwill request to the lender, the late payment remains on my credit report. 
Details : On XX/XX/28 and several other dates after that, I made my mortgage payment to XXXX XXXX XXXX  as usual. The funds were available and fully deposited in my XXXX XXXX XXXX account. However, XXXX XXXX XXXX returned the payment in error, despite sufficient funds due to a processing error were I was told that there was a glitch in their system that caused deposits and debits not to show on the correct dates. Once the first payment was returned I contacted customer service and she informed me about the glitch and said it was a bank error and for me to resumbit my payment and she would reverse any fees due to the banks error with late posting. I did a additional deposit and resubmitted my payment that was also still returned two or three more times. I then contacted the manger of XXXX XXXX XXXX who also apologized about the error and wrote me a letter on letter head that I attached to my dispute and goodwill letter. XXXX XXXX XXXX  subsequently reported my payment as late to the credit bureaus. 
I contacted both banks immediately and provided documentation proving that the return was made in error by XXXX XXXX XXXX. I then filed a dispute with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX XXXX  verified the late payment without correcting it, even though the evidence clearly shows the payment should have been posted on time. 
This situation is harming my credit unfairly and inaccurately. I am requesting that XXXX XXXX XXXX  and the credit bureaus correct this information and remove the late payment from my credit reports. The payment was made on time, and the return was a documented banking error that was outside my control. 
I am attaching supporting documentation, including : Proof of available balance at the time of payment Statement from XXXX XXXX XXXX showing the erroneous return Copies of my dispute and goodwill letters to XXXX XXXX XXXX  A letter from the manager at XXXX XXXX XXXX Manager who acknowledges the error as well. 

Requested Resolution : Please direct XXXX XXXX XXXX  to remove the inaccurate late payment from all credit reports and confirm correction with all three major credit 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am filing a complaint regarding inaccurate reporting and incomplete information on my Experian credit report. Below are the accounts in dispute : Charged-Off Accounts : XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date of Last Activity : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX Date of Last Activity : XX/XX/XXXX Balance : {$66000.00} Inquiries : Experian XXXX Cred Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account : 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-30 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681i ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Amount : $ - Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specificalle Section 809 ( 15 U.S.C. 1692g ) I request validation of this debt. please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. XXXX XXXXXXXX ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. XXXX XXXX ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - 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 XXXXXX/XX/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 2025-10-30 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report as they are inaccurate and do not reflect my actual credit history. I request that the credit reporting agencies investigate these items and correct any discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation of the outcome of these disputes and any actions taken. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have recieved calls from a so called american express collections number for months, last month it was XXXX times a day, all hours of the day, early mornings or even past midnight. I have spoken to them, requested proof of debt because i am unsure that this is legitimate and they continue calling without providing proof of debt. I have told them to stop calling, i have done everything i know to do to get them to leave me alone or prove to me that it is a legitimate call. I have blocked numbers and they continue calling from new numbers ( have screenshots of calls with timestamps and phone numbers attached ) Here is XXXX number they called me from today XXXX ( XXXX ) XXXX. Seems like a scam to me. At this point it is XXXX  % harassment and it is driving me crazy but i am not going to pay a debt that in my opinion seems to be fake. Nothing about what they are doing is professional, they barely speak XXXX and they need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 must unequivocally stress that this complaint is no mistakemy credit report is tainted with false and entirely inaccurate information that fails to achieve even 100 % accuracy. This erroneous data is inflicting undue stress and negatively impacting me in profound and unacceptable ways.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-30 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/year>, Balance : {$250.00} I am disputing the charged-off account listed with a balance of {$250.00} as reported by Equifax. The account appears to be inaccurately reported, and I believe there may be discrepancies regarding the balance, date reported, or the account status.

Company response to consumer: Closed with non-monetary relief