vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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 not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-09-02 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 am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I am trying to purchase a car and realize I have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my report. It is defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, Pentagon Federal Credit Union reported my auto loan balance incorrectly. My actual balance as of is {$11000.00}, but my credit report shows {$15000.00}. I have made all payments on time, and my balance has been steadily decreasing. This incorrect reporting is negatively affecting my credit score. I have contacted the company, but the error has not yet been corrected. I am requesting that the company investigate and update the balance to reflect the correct amount. This being happening few times, they keep reporting incorrect 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 2025-09-02 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: CA

Complaint narrative:
I am filing this complaint because Experian has failed to correct multiple inaccuracies in my credit report despite my previous written dispute. These errors are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain maximum possible accuracy under 607 ( b ) and to conduct a lawful and thorough reinvestigation under 611 ( a ). I disputed this information in good faith, but Experian has not provided any verification or documentation to prove the accuracy of the items in question. 

My credit report continues to list an incorrect address, XXXX XXXX XXXX XXXX, CA XXXX, which I have never lived at or been associated with. This false address creates inaccurate associations and represents a direct violation of FCRA 607 ( b ). I have also disputed multiple accounts that are being reported with late payment histories that Experian has not substantiated. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been provided with any documents proving that these negative entries are valid, and their continued presence after a dispute violates FCRA 611 ( a ) ( 5 ), which requires deletion of unverifiable information.

Experian has failed to provide verification under FCRA 609 ( a ) ( 1 ), which gives me the right to know the source and method of verification of the information being reported. My dispute clearly requested this information, but Experian has ignored it and continues to report damaging and unverifiable data. This behavior demonstrates negligence, a lack of compliance with the law, and a refusal to protect consumer rights. 

These errors have caused me significant harm, including damage to my credit score, increased financial stress, and reputational harm. I am filing this complaint with the CFPB because Experian has not acted in good faith or in compliance with the Fair Credit Reporting Act. I am requesting that the CFPB intervene to ensure that Experian immediately conducts a lawful reinvestigation of every disputed item, removes the unverifiable accounts and incorrect address, and provides me with an updated and accurate credit report. I also request that the CFPB hold Experian accountable for its failure to comply with federal law and for its negligent reporting practices that have caused me harm.

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 2025-09-02 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: NJ

Complaint narrative:
The account listed as XXXX XXXX XXXX XXXX is reporting an alleged balance of {$3500.00} on my credit report. I am disputing this account as it is either inaccurate, unverifiable, or both. 

I have requested validation of this account, but the furnisher has not provided proper documentation proving that I owe this balance. Reporting this account without complete validation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ), which requires accuracy and proper reinvestigation of disputed items.

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 2025-09-02 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I was under a XXXX XXXX with XXXX University. There was a company named XXXX claiming to be a collection company affiliated with XXXX. They said I only owe {$900.00} and my student loan would be paid off. I thought this was a great deal. Then they all of a sudden got hold of my Credit Report. Unknowingly. XXXX now claims I owe {$86000.00} out of nowhere. I do not owe this. I believe this is fraudulent activity. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Last XXXX SSN : XXXX Date of Birth : XXXXXX/XX/XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Unresolved Billing Error and Inaccurate Payment History I am filing this complaint against the three major credit bureaus, Experian, Equifax, and TransUnion, for failing to properly address repeated disputes I submitted regarding inaccurate late payment history reporting.

This is my third dispute submission within the past 35+ days, and despite my efforts, the bureaus have failed to provide any valid documentation verifying the legitimacy of the late payments reported. Instead, they continue to report the account as delinquent without meeting their legal obligations under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Disputed Account : Late Payment ( Open ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Basis of the Dispute : These late payments may constitute billing errors under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments.

Computation or accounting errors by the creditor.

Failure to send a billing statement at least 21 days before the due date, making late payment reporting invalid.

Failures by the Credit Bureaus : To date, the credit bureaus have failed to : Provide the method of verification, including the name and contact information of the furnisher.

Supply documentary evidence relied upon to validate the late payment.

Correct or remove the inaccurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I disputed the alleged debt claimed b Creedence Resource Management on behalf of XXXX XXXX XXXX for the first time in XX/XX/year>. They were continuing to draft an account that had already been closed with a ZERO balance. I was told it would be taken care of, and the account would be closed. On XX/XX/XXXX, the bank was drafted AGAIN by XXXX XXXX XXXX. I immediately called and talked to XXXX and was transferred to XXXX ( a XXXX XXXX supervisor ). He promised a check refund and said the auto payment would be closed. Then I received a collection letter from Credence Resource Management saying we owed {$160.00}. I filed my 1st complaint to you about this situation on XXXX. Since I did not hear back from either of you, we were under the impression the situation was FINALLTY taken care of. Then on XXXX another collection letter came in the mail asking for {$230.00}. I am sending the debt collector a CEASE AND DESIST mail to XXXX XXXX XXXX in XXXX, MI. Is there any way you can help me with this continued harassment? 

Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
After Reviewing my credit report, i discovered accounts that i did not recognize or apply for upon further investigation i realized that my personal information was exposed in several data breaches as well. i have no recollection of applying for any of the accounts in question and they are negatively impacting my credit. Per section 15 UCS 1681 C-2, any fradudulent accounts that i did not authorize or signed a contract for must be removed off my credit report in 4 days. These fradudulent accounts are not only damaging my credit but also causing stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any harm to my financial well being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am writing to formally dispute an unauthorized or inaccurate credit inquiry that appears on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681b ( c ), I am requesting a reinvestigation and prompt removal of this inquiry, as it was not initiated or authorized by me. 
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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an unauthorized or inaccurate credit inquiry that appears on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681b ( c ), I am requesting a reinvestigation and prompt removal of this inquiry, as it was not initiated or authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PR

Complaint narrative:
The investigation on this account did not fixed the error, I'm now requesting the calls transcripts from the investigation, including the names and business address of the individulas involved in the investigation for the account XXXX XXXX XXXX XXXXXXXX with the account number 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 2025-09-02 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MS

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

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. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX Incorrect Personal XXXX XXXX - Incorrect Personal , has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-02 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS, Hard Inquiries and Personal Information that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS, Hard Inquiries and Personal Information from my credit report. 
ACCOUNTS : XXXX ) XXXX  XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Hard Inquiries : XXXX ) XXXX  XX/XX/year> Wrong Personal Information : Wrong name : XXXX ) XXXX XXXX XXXX ) XXXX, XXXX, XXXX Wrong Addrees : XXXX ) XXXX XXXX XXXX XXXX, FL XXXX Wrong Employer : 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A fair resolution would be for XXXX XXXX XXXX  to provide a complete validation of this account, including a full accounting of charges, payments, and an explanation of the {$92.00} balance and {$180.00} past due amount. 

I have requested verification of this account, but XXXX XXXX has not provided proper validation of how these balances were calculated. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ), furnishers must report accurate information and properly investigate disputes. 

The continued reporting of contradictory and unverifiable information is inaccurate and unfair. I am requesting that XXXX XXXX either provide complete validation of this debt with a breakdown of charges and payments, or immediately delete this account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief