vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been repeatedly denied access to credit due to a reported error stating my file can not be located by the credit bureaus. Ive submitted all required identity documentation, including government ID, Social Security card, proof of address, and marriage certificate. Despite full compliance and follow-up, the issue persists, obstructing lenders from accessing my file, causing repeated denialsincluding during an active mortgage process. 

I have also attached supporting documents and screenshots that confirm my identity and illustrate the failed attempts to retrieve my report. 

In addition, I am actively disputing multiple tradelines with no resolution or proper reinvestigation under FCRA 611 ( a ) or FDCPA 809 ( b ), including : XXXX  Late payment, balance {$0.00}, continues to report 60-day delinquency with no validation. 

XXXX XXXX Charged off {$3500.00}, last payment in XXXX time-barred and should be deleted per FCRA 605 ( a ) ( 4 ). 

XXXX XXXX off {$1100.00}, inflated balance, unverifiable debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} collection, no chain of title or validation ever provided. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX All report late payments or charge-offs without verification, inconsistent dates, and no mailed results after disputes. 

I have received generic, computer-generated responses instead of proper reinvestigations per Metro 2 standards. My identity is fully verified and there is no legal basis for continued suppression or inaccurate reporting.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been repeatedly denied access to credit due to a reported error stating my file can not be located by the credit bureaus. Ive submitted all required identity documentation, including government ID, Social Security card, proof of address, and marriage certificate. Despite full compliance and follow-up, the issue persists, obstructing lenders from accessing my file, causing repeated denialsincluding during an active mortgage process. 

I have also attached supporting documents and screenshots that confirm my identity and illustrate the failed attempts to retrieve my report. 

In addition, I am actively disputing multiple tradelines with no resolution or proper reinvestigation under FCRA 611 ( a ) or FDCPA 809 ( b ), including : XXXX  Late payment, balance {$0.00}, continues to report 60-day delinquency with no validation. 

XXXX XXXX Charged off {$3500.00}, last payment in XXXX time-barred and should be deleted per FCRA 605 ( a ) ( 4 ). 

XXXX XXXX off {$1100.00}, inflated balance, unverifiable debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} collection, no chain of title or validation ever provided. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX All report late payments or charge-offs without verification, inconsistent dates, and no mailed results after disputes. 

I have received generic, computer-generated responses instead of proper reinvestigations per Metro 2 standards. My identity is fully verified and there is no legal basis for continued suppression or inaccurate reporting.

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 2025-07-31 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: NV

Complaint narrative:
FTC Report # : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am filing this formal complaint concerning multiple accounts that have violated my federally protected consumer rights to privacy and accuracy. The following accounts have reported information that is false, unverifiable, and obtained without my consent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have violated my rights under 15 U.S.C. 1681, including but not limited to the following provisions : 1. 15 U.S.C. 1681e ( b ) : Maximum Possible Accuracy Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. These accounts are inaccurate and unverifiable, demonstrating a failure to comply with this provision.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : Treatment of Inaccurate or Unverifiable Information If any item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the reporting agency must : ( i ) Promptly delete or modify that item as appropriate; and ( ii ) Notify the furnisher of the change or deletion. 

I have disputed these accounts, and they remain uncorrected, in clear violation of this statute. 

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty of Furnishers to Provide Accurate Information A person shall not furnish information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate. These furnishers have continued to report false or unverifiable data despite this requirement.

4. 15 U.S.C. 1681b ( a ) ( 1 ) : Permissible Purpose No person or entity shall access or use my credit information without a legally permissible purpose. The accounts listed above may have been accessed or shared without proper authorization, further violating my rights to privacy.

5. 15 U.S.C. 1681c-2 ( Section 605B ) : Blocking of Information Resulting from Identity Theft I am also requesting the permanent blocking and deletion of these accounts under Section 605B, which states that consumer reporting agencies must block information that results from identity theft within four business days.

Relief Requested : I am requesting that all the above-referenced accounts be permanently deleted from my credit report in accordance with the FCRA. These accounts were added in violation of federal law, and I am demanding that the Consumer Financial Protection Bureau take immediate action to hold the furnishers and consumer reporting agencies accountable.

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 2025-07-31 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: NV

Complaint narrative:
FTC Report # : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am filing this formal complaint concerning multiple accounts that have violated my federally protected consumer rights to privacy and accuracy. The following accounts have reported information that is false, unverifiable, and obtained without my consent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts have violated my rights under 15 U.S.C. 1681, including but not limited to the following provisions : 1. 15 U.S.C. 1681e ( b ) : Maximum Possible Accuracy Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. These accounts are inaccurate and unverifiable, demonstrating a failure to comply with this provision.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : Treatment of Inaccurate or Unverifiable Information If any item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the reporting agency must : ( i ) Promptly delete or modify that item as appropriate; and ( ii ) Notify the furnisher of the change or deletion. 

I have disputed these accounts, and they remain uncorrected, in clear violation of this statute. 

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty of Furnishers to Provide Accurate Information A person shall not furnish information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate. These furnishers have continued to report false or unverifiable data despite this requirement.

4. 15 U.S.C. 1681b ( a ) ( 1 ) : Permissible Purpose No person or entity shall access or use my credit information without a legally permissible purpose. The accounts listed above may have been accessed or shared without proper authorization, further violating my rights to privacy.

5. 15 U.S.C. 1681c-2 ( Section 605B ) : Blocking of Information Resulting from Identity Theft I am also requesting the permanent blocking and deletion of these accounts under Section 605B, which states that consumer reporting agencies must block information that results from identity theft within four business days.

Relief Requested : I am requesting that all the above-referenced accounts be permanently deleted from my credit report in accordance with the FCRA. These accounts were added in violation of federal law, and I am demanding that the Consumer Financial Protection Bureau take immediate action to hold the furnishers and consumer reporting agencies accountable.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : xactus XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not open these accounts and consider them fraudulent. I am requesting an investigation and their removal from my credit report. Documentation is 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 2025-07-31 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-31 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: CA

Complaint narrative:
All three credit bureausEquifax, XXXX and XXXX reporting a late payment on a XXXX account ending in XXXX, dated XX/XX/year>, even though the account is marked as paid and closed with a balance of {$0.00}. This derogatory entry is not just misleadingit is entirely inaccurate and a direct violation of federal credit reporting law. There is no justification for listing a delinquency on an account that carries no past due balance, is marked as paid, and has been closed in full. Inaccuracies like this arent minor technicalities ; they create real, measurable harm for consumers and are legally prohibited under the Fair Credit Reporting Act. 

According to XXXX XXXX. XXXX ( b ), credit reporting agencies are legally required to maintain and follow reasonable procedures to assure the maximum possible accuracy of all information contained in a consumers file. Reporting a late payment on an account that is paid in full and closedespecially without any remaining past due amountis a flagrant breach of that responsibility. It sends a contradictory message to lenders : that I was somehow delinquent, yet paid in full and current at the same time. That duality is not just inaccurate, its nonsensical, and it should never have passed internal review at XXXX XXXX. 

When I submitted disputes challenging this entry, I was met with the usual automated rejections claiming the late payment was verified, despite the lack of any supporting documentation or explanation. None of the bureaus provided billing records, creditor statements, or transactional evidence to justify the continued reporting of this derogatory mark. That failure to conduct a proper reinvestigation stands in violation of XXXX XXXX. XXXX ( a ), which mandates a reasonable reinvestigation of disputed information. A form response without documentation is not verificationit is an outright dismissal of a consumers rights and a dereliction of duty under federal law. 

The consequences of this false late payment have not been theoreticaltheyve been substantial. This derogatory mark, although associated with a paid and closed account, has contributed to lowering my credit score and tarnishing my credit profile. It has led to higher interest rates, rejected applications, and undue scrutiny from lenders who assume the mark reflects a legitimate delinquency. That assumption is false, and I should not have to carry the burden of correcting the record after the bureaus have failed to perform even the most basic checks before publishing damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
My credit report contains inaccurate and conflicting account information reported by the credit bureaus. Some accounts show different statuses across bureaus ( e.g., current with XXXX, charged-off or late with another ) and inconsistent payment histories, balances, and last payment dates. I have disputed these errors, but the information remains inaccurate, which violates FCRA XXXX ( b ) and XXXX ( a ). I am requesting that the CFPB investigate and require the XXXX  and XXXX to correct or delete all unverifiable information.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others XXXX stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NV

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my XXXX XXXX, affecting my access to opportunities, and putting unnecessary strain on my mXXXX XXXX XXXX XXXX Some of these alleged late payments were in fact made on time, while others XXXX stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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