vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2025-10-14 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:
Good day, I am in my final opportunity to challenge this account. From this point forward, I intend to file a lawsuit against your organization in the civil court of my state, which is the client state of residence. I request that this account be subjected to an investigation and then removed. Due to the fact that I informed your firm about this bogus account, I was recently unsuccessful in my attempt to find employment. It is also important to note that I have preserved all of the paperwork that pertain to my previous issues with your organization. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Dear Compliance Department, I am formally disputing the accuracy and validity of the collection account that appears on my consumer report. I have no knowledge of this account and have never received any validation or original documentation proving that I am responsible for this debt.

According to the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), you are required to report only accurate, complete, and verifiable information. In addition, the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Format requires data furnishers to ensure that each fieldincluding the account type, original creditor name, and account statusis properly reported and factually correct. 

The account as it appears on my credit file contains multiple XXXX XXXX and FCRA inconsistencies, including : 1. The account is reported as Open and Placed for Collection, which violates XXXX XXXX reporting standards ( collection accounts must be reported as closed ). 
2. The same entity is listed as both Original Creditor and Collection Agency, which is noncompliant with XXXX XXXX Base Segment fields. 
3. There is no Date of First Delinquency ( DOFD ) or proof of ownership establishing that I owe this debt.

4. Duplicate or incomplete remarks ( Placed for Collection ) appear, suggesting data errors.

Under FCRA 611 ( a ) ( 1 ) ( A ), I am requesting a full reinvestigation and method of verification for this account. Please provide the following within 30 days : The name and contact information of the original creditor ; Proof of ownership of the alleged account ( contract, statements, or billing records ) ; Documentation showing this account was verified before reporting ; Confirmation that your reporting complies with XXXX XXXX standards. 

If you are unable to verify all of the above, or if this debt is not proven to be mine, this account must be immediately deleted from all consumer reporting agencies as required by FCRA 611 ( a ) ( 5 ).

Failure to respond or correct the inaccurate reporting will result in a formal complaint filed with, the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office for furnishing false information and failing to maintain compliance. 

Please send written confirmation of your findings and any documentation to my address listed above. 

Thank you for your prompt attention to this matter. sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 signed a contract with XXXX to exit a timeshare. The costvwas about {$6000.00} shortly afterwards they contacted me for another {$2500.00}. Basically a scam. I told them to cancel my contract and they said they would. They did not. I contacted their parent company XXXX XXXX XXXX and they said they would cancel the contract but they did not .. the sold my contractvrobXXXX XXXXXXXX XXXX XXXX who report me past due and is ruining my credit. I disputed my charges with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
My identity was stolen in XX/XX/XXXX. Since then, there have been multiple unauthorized credit inquiries under my name, and a fraudulent Experian online account was created using my Social Security number. I also discovered phone numbers and addresses listed on my credit report that do not belong to me. 

I have repeatedly tried to resolve this issue directly with Experian but have not received any response. In XX/XX/XXXX, I followed their instructions on their website and mailed all requested documentation, including proof of identity and evidence supporting my claim of identity theft. I never received a reply. Since then, I have spent hours trying to get a human on the phone to speak to about this and have never succeeded. I also attempted to fill out a dispute on their website in XXXX of XXXX. I received a singular email response giving me a case number ( XXXX ) and instructions to fax the information instead of mail it. They never responded to any of my email replies. 

I have faxed the same documentation multiple times once on XX/XX/XXXX, and again on XX/XX/XXXX ( fax confirmation reports included ). 

Despite my repeated efforts, Experian has not responded or confirmed receipt of any of my submissions. This ongoing lack of communication has made it impossible for me to secure my credit file and remove the fraudulent information. I do not currently have a copy of my original identity theft report or the initial documentation I mailed in XXXX of XXXX. However, I have included the documentation I faxed to them in XXXX and in XXXX of XXXX with fax confirmation reports that will serve as proof of my repeated contact attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
On my Apple Card Goldman Sacs sided with the merchant because the goods or services were not returned within the timeframe described my merchants terms. The reason I started the dispute was because the merchant was not allowing me to make a return

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
It was agreed alone that I settle the account and they would delete the information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Entrata Inc.
State: FL

Complaint narrative:
Around XXXX XXXX  Thursday morning I made a transfer to my bank account in the amount of XXXX dollars, at that same time this company named XXXX took the money right out of my account without a trace. No receipt no email no information about the transaction. I had no idea that I even owe this company. I have no idea who this company is. I have no tides with this company whatsoever call the company. They explained to me that they are a software company that rental properties use for when theyre charging you for your rent, basically to keep records now with all of that mind you on my bank account it has the company name stated on the transaction is XXXX XXXX Let me also mission that I did call the company myself and they explained to me they do not handle anything regarding my bank information my debit card or any transactions of this sort, but on my bank records, it says their name so that raises red flags for me. My rental property is called XXXX XXXXXXXX. Went to my bank where I receive my deposit, which is a mobile banking app to dispute that charge in which they denied. They also denied me my paperwork regarding my dispute explaining the decision that was made. It was a bank transfer. I can not authorize a bank transfer. I do not give out my routing and account number to just anyone. This raises red flags for me the mobile banking company that I am with is called XXXX XXXX. I would not recommend. Im making the right moves now to get a real bank account. Also, I do not care how small the amount was nobody has the right to take money from me or from anyone without giving proper authorization. I was not informed of this transaction in any way and I would like to take it up with a legal advisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries still remain. This lack of action is entirely unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause me significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Subject : Failure to Investigate and Continued Reporting of Fraudulent XXXX XXXX XXXX Account Complaint Summary : I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by verifying and continuing to report inaccurate, unvalidated, and fraudulent information provided by XXXX XXXX XXXX ( Account ending in XXXX ). 



On XX/XX/year>, I mailed a certified dispute and validation request to both XXXX XXXX XXXX and Equifax, providing proof of identity and clear documentation showing that XXXX failed to validate the alleged debt. Despite that, Equifax updated and continued to report the same account as verified and open/charged-off on my credit report dated XX/XX/year>. 



XXXX validation included falsified or forged documentation with signatures that do not match any legitimate contract or agreement. By accepting and reporting this unverified information, Equifax violated multiple provisions of the FCRA : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of consumer information.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation after a certified dispute.

FCRA 611 ( a ) ( 5 ) : Failure to delete unverified or inaccurate information within the required timeframe.

FCRA 623 ( a ) ( 1 ) ( A ) : Knowingly furnishing and verifying information known to be inaccurate. 



Despite receiving my certified dispute and proof, Equifax allowed this fraudulent account to remain active, re-aged, and derogatory. This ongoing reporting has caused unnecessary harm and financial damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AR

Complaint narrative:
The account listed is not mine and is being reported in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The account listed is not mine and is being reported in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

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 2025-10-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is now my third formal dispute concerning fraudulent information being reported on my credit report due to identity theft. I previously submitted disputes on XX/XX/2025 and XX/XX/2025, including a valid Identity Theft Report, but to date, you have failed to remove the fraudulent accounts listed above. 
To be clear, I did not authorize, open, or use the following accounts, which have severely damaged my credit standing : BANK XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}

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