vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts represent a violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both incorrect and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The Ally Bank claimed that there was a security concern that happened on the XXXX XXXX 2025. They claimed that a suspicious transaction had happened of {$10.00} from XXXX, however there was no such transaction on the stated date. They left a voice mail on my land line phone, leaving 20 minutes to respond, after which they blocked the account. 
I notice for the first time that the account was blocked on XX/XX/year>2025, after a company told me that automatic payment bounced back. Since this is the estate account for which I am executor, I do not access the account other than for making a very rare payments in front of the Estate.Other bills that are spent on my late 's husband storage units, and for my daughter 's collage tuition and housing expenses are setup for automatic payments. This is the reason why I did not have any sooner information that the account is blocked. 
Please acknowledge that this blocking of funds is completely illegal and fraudulent. The security team from Ally Bank stated case # XXXX associated with the alleged security breach, but the event is fraudulently made up since such a transaction had never happened. Please see the attached. The money needs to be available for my daughter 's college fee that is due as well as her housing bills. Absent quick solution, Ally Bank will lbe held liable for all debts and missed opportunities

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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rent Amount Debt Apartment Complex Asked For Is INACCURATE. The Apartment Complex Received A XXXX Rent Relief Check That Paid The Remaining Balance Off Until Lease Was Up Til XXXX. I Put An 30day Notice In XXXX. The Apartment Complex Stated I Moved Out In XXXX When Moved Out In XXXX. They Sent The Rent Debt Amount To A Creditor Thats Not Looking To Help IN NO SHAPE OR FORM TO RESOLVE MY ISSUE. Not Even Giving A Reasonable Discount To A More ACCURATE Amount Due To The Apartment Complex Completing Fraudulent Transactions At The Time Of Staying There To Me & Other Tenants Before Getting Fired For Fraudulent Charges. The Creditor Is Very Argumentative Such As One Named XXXX Said Was An Supervisor, Basically Calling Me A Liar, Cutting Me Off, Wasnt Trying To Find No Resolution Whatsoever, Making Ultimatum To Get My Attorney To Contact Him, Very Rude & Problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-11 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
I am still seeing inaccurate accounts on my credit report, and they have not been removed. I am requesting that the documents I have provided be reviewed carefully so I can finally stop worrying about this issue once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for willfully and negligently furnishing inaccurate and damaging information to the credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting the reporting of information known to be inaccurate ), 1681s-2 ( b ) ( failure to correct after dispute ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). 

XXXX is reporting a derogatory tradeline on my credit file for an account that I never opened, never applied for, and was never contractually obligated to repay. The account in question ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ) was an employee-issued corporate travel card tied to my employers account, not a personal account. It was issued solely for a single work trip, used once, and promptly closed by the employer. 

The dashboard on the XXXX website confirmed there were no authorized users when the credit account was first furnished on my report, proving that XXXX has no authorization to report on my account. 

I was removed as an authorized user well before any delinquencies occurred and their own records report that there were no authorized users. Despite this, XXXX has : Improperly reported the account as mine with XXXX days late status, a {$7100.00} original balance, and remarks of Canceled by credit grantor. 

Falsely assigned responsibility to me, only recently updating it to Terminated responsibility but still keeping the derogatory history, which never should have been linked to me. 

Damaged my credit standing by reporting this as a personal default, despite the fact that I had no legal obligation for the debt. 

By law, XXXX had an affirmative duty to ensure the accuracy of the information it furnished. Any reasonable review of their own records would confirm : The account was a corporate liability card, not an individual liability card. 

I never applied for, accepted responsibility for, nor was informed of any potential impact on my credit report and score and XXXX never disclosed any potential liability and has agreed I have none. 

I was removed as an authorized user before delinquency occurred. 

I was never the accountholder, borrower, or contractually liable party.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any errors in reporting are both inaccurate and unlawful.

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 2025-08-11 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 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 non-monetary relief
Consumer complaint received 2025-08-11 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
CFPB Complaint Summary 1. 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 4 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.

2. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.See attached

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 2025-08-11 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MA

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 explanation
Consumer complaint received 2025-08-12 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-12 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-12 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: MI

Complaint narrative:
I am writing to formally dispute certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX and XXXX. 

After reviewing my credit report, I have identified the following item ( XXXX ) that are inaccurate, incomplete, and/or can not be verified : Transunion XX/XX/year> XXXX accurate information on my credit report.

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 2025-08-12 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: MS

Complaint narrative:
Re : Formal Dispute of Inaccurate Late Payment Reporting Student Loan Account [ Account Number ] To Whom It May Concern, I am formally disputing the inaccurate and misleading late payment information being reported on my student loan account in violation of the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ), the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., the Family Educational Rights and Privacy Act ( FERPA ), and XXXX XXXX reporting guidelines. 

According to my credit report, the following months are inaccurately reported as delinquent : XXXX : XXXX ( 90 days late ), XXXX ( 120 days late ), XXXX ( 150 days late ), XXXX ( 180 days late ), XXXX ( 180 days late ) XXXX : XXXX ( 90 days late ) These entries are inconsistent with the months immediately preceding them, which were reported as current and accurate with on-time payments. The abrupt change to severe delinquency without factual basis contradicts my actual payment history and fails to meet the accuracy, completeness, and timeliness requirements under XXXX XXXX compliance. 

Additionally, XXXX  has already completed an investigation and determined this account could not be verified, resulting in its deletion from my XXXX  credit report. This directly confirms that the current reporting with your bureau is unverifiable and must be removed under 15 U.S.C. 1681i.

This conduct constitutes willful and negligent noncompliance with 15 U.S.C. 1681n and 1681o. Furthermore, under FERPA, my student loan data is protected educational record information and can not be misrepresented or inaccurately disclosed.

Demand for Action : I hereby demand that you : Immediately investigate and remove all inaccurate late payment entries listed above.

Update the account status to Paid as Agreed for all disputed months.

Provide me with a full description of your reinvestigation process as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. Your continued reporting of these inaccuracies after notice will be documented as evidence of willful noncompliance.

This letter is being sent via Certified Mail to establish proof of delivery. You have 30 days from receipt to respond in full as mandated by federal law. 

Sincerely, 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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX XXXX,2025 received deposit/ account locked XXXX XXXX,2025 verified identity XXXX XXXX2025 account was stated to be unlocked and card ready for use

Company response to consumer: Closed with explanation