vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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: TN

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am submitting this complaint to dispute numerous inaccuracies, conflicting information, and reporting errors that appear on my credit reports, which misrepresent my payment history, falsely portray delinquency, and materially harm my creditworthiness in direct violation of my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ) 15 U.S.C. 1681e ( b ), 609 ( a ) 15 U.S.C. 1681g ( a ), 611 ( a ) 15 U.S.C. 1681i ( a ), 615 ( a ), and 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting late payments across bureaus, including multiple inconsistent entries for XX/XX/XXXX through XX/XX/XXXX, while Equifax and TransUnion show XXXX in late days and balances that do not match my records, creating a false narrative of delinquency. Another account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears only on Equifax with inconsistent late payment entries from XX/XX/XXXX through XX/XX/XXXX, failing to match other bureaus ' reports, which violates the FCRAs requirement for maximum possible accuracy under 607 ( b ). The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and TransUnion, which is misleading and incomplete in violation of FCRA 605 ( a ) and 607 ( b ). Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account contains inconsistent late payment entries from XXXX through XX/XX/XXXX, and differing balances across bureaus, further demonstrating failures in accurate reporting. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account, reported as 30 days late from XXXX to XX/XX/XXXX across all bureaus, exhibits discrepancies in balance and late days. These accounts have not been reasonably reinvestigated under FCRA 611 ( a ), and furnishers have failed to provide accurate and verified data per FCRA 623 ( a ) ( 2 ). The inconsistencies across months, balances, and late days have materially harmed my credit profile, misleading creditors and violating my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am submitting this complaint to dispute numerous inaccuracies, conflicting information, and reporting errors that appear on my credit reports, which misrepresent my payment history, falsely portray delinquency, and materially harm my creditworthiness in direct violation of my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ) 15 U.S.C. 1681e ( b ), 609 ( a ) 15 U.S.C. 1681g ( a ), 611 ( a ) 15 U.S.C. 1681i ( a ), 615 ( a ), and 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting late payments across bureaus, including multiple inconsistent entries for XX/XX/XXXX through XX/XX/XXXX, while Equifax and TransUnion show XXXX in late days and balances that do not match my records, creating a false narrative of delinquency. Another account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears only on Equifax with inconsistent late payment entries from XX/XX/XXXX through XX/XX/XXXX, failing to match other bureaus ' reports, which violates the FCRAs requirement for maximum possible accuracy under 607 ( b ). The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and TransUnion, which is misleading and incomplete in violation of FCRA 605 ( a ) and 607 ( b ). Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account contains inconsistent late payment entries from XXXX through XX/XX/XXXX, and differing balances across bureaus, further demonstrating failures in accurate reporting. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account, reported as 30 days late from XXXX to XX/XX/XXXX across all bureaus, exhibits discrepancies in balance and late days. These accounts have not been reasonably reinvestigated under FCRA 611 ( a ), and furnishers have failed to provide accurate and verified data per FCRA 623 ( a ) ( 2 ). The inconsistencies across months, balances, and late days have materially harmed my credit profile, misleading creditors and violating my rights under federal 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 non-monetary relief
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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 filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
6.

Legal Precedent In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in Cushman and constitutes a clear violation of the FCRA.

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 2025-11-20 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: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
6.

Legal Precedent In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in Cushman and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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