vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. XXXX  EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX  TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The dates balance and paid status arent reporting across all 3 reports update the status or remove the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account : XXXX XXXX XXXX | XXXX XXXX ending in XXXX Reference : Capital One XXXX XXXX XXXX, Trip no XXXX on XX/XX/year> @ XXXX XXXX 

I activated a Capital One XXXX offer for XXXX that advertised up to XXXX XXXX for eligible non-restaurant orders. I clicked through the Capital One XXXX  portal, completed my purchase directly through XXXX in the same session, and followed all terms listed in the offer. The order totaled {$1300.00} and included eligible non-restaurant retail items, which fall under the advertised categories. 

Despite following the posted instructions, Capital One XXXX did not track the purchase or credit any of the miles. I contacted Capital One XXXX support by phone, which is the only support method provided, but they were not helpful and did not resolve the issue or explain why the rewards were denied. 

The offer terms require that I be a Capital One cardholder or bank account holder and that I activate and shop through the portal. I met these requirements. The terms do not require payment with a Capital One card, so my use of a XXXX should not disqualify the purchase. 

I am attaching : Screenshot of the activated XXXX XXXX offer Screenshot of my completed {$1300.00} XXXX order Proof of payment ( highlighted on credit card statement. ) I am requesting CFPB assistance because Capital One XXXX advertised a specific incentive but did not honor it and did not provide a resolution when contacted.

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

Complaint narrative:
To Whom It May Concern, I am disputing the inaccurate and inconsistent personal information reported on my credit file. The following variations and addresses have been reported, which are incorrect or outdated : Name Variations Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Reported : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This incorrect information can negatively impact my credit report and creditworthiness. Enclosed is a copy of my government-issued ID showing my correct legal name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this letter to formally dispute certain repossession accounts on my credit report that are inaccurate, misleading, and do not accurately reflect my financial history. These reporting errors are creating a false impression of my credit behavior and have resulted in tangible harm to my creditworthiness, including potential denial of credit, insurance, and housing opportunities. The inaccuracies appear to stem from incomplete verification and inconsistent furnishing of account information, and as such, I am exercising my right to dispute under FCRA 611 Dispute Process, which ensures that consumers have the ability to dispute inaccurate information and have credit reporting agencies conduct a reasonable reinvestigation. Additionally, the inaccurate reporting violates FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, requiring furnishers to provide accurate information, and 623 ( b ) Furnishers Duty to Investigate, mandating that furnishers respond appropriately to disputes. I am requesting that YOU uphold these statutory obligations and take immediate corrective action to ensure that all information in my report is accurate, complete, and verifiable.The specific accounts in dispute are as follows : the XXXX XXXX account ending in XXXX, which is reported with a balance owed of {$4900.00}, and the XXXX XXXX account ending in XXXX, reported with a balance owed of {$9500.00} Both accounts are reported with inaccurate balances, improper delinquency statuses, and unverifiable information, which do not align with my records or the supporting documentation from the creditors. These discrepancies suggest either outdated reporting, errors in furnishing by the creditor, or misinterpretation of account activity. The reporting of these accounts in their current state misrepresents my financial responsibility and creates a misleading narrative about my payment history. Under FCRA 602 Congressional Findings and Purpose, all information reported on a consumers credit file must be accurate, complete, and fairly represented. The presence of these unverified and misleading entries violates that principle, undermining the purpose of fair credit reporting, and exposing me to unnecessary financial harm. Additionally, the accounts current reporting fails to comply with FCRA 609 Right to Full Disclosure, which entitles me to access accurate information regarding the content and sources of all data reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint because the three major credit bureaus Experian, Equifax, and TransUnion are reporting information about me that is inaccurate, incomplete, outdated, and in several cases unverifiable, creating a false and damaging representation of my credit history. Experian is listing charge-offs from XXXX ( XXXX * * * * * * * *, Balance {$11000.00} ) * * and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$500.00} ) * * with dates and details that conflict with the true Date of First Delinquency, and it is also reporting collections from XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, Balance {$4500.00} ) * * and XXXX XXXX XXXX for XXXX XXXX both of which were never properly validated and contain discrepancies suggesting violations of their obligations under the FCRA and FDCPA. Equifax is displaying inaccurate or obsolete charge-off information for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, Balance {$9900.00} ) * * and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$11000.00} ), again with inconsistent DOFD reporting that affects whether these accounts should be appearing at all. TransUnion is reporting a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$500.00} ) * * and a XXXX  XXXX bankruptcy dismissal dated XX/XX/year>, yet the data appears outdated, incomplete, or mismatched with the proper reporting period required under the FCRA. Across all three bureaus, these issues collectively involve inaccurate DOFD reporting, obsolete information, lack of proper debt validation, and failure to maintain reasonable procedures to ensure maximum possible accuracy, all of which are harming me financially and misrepresenting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ID

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NJ

Complaint narrative:
Only XXXX company responded, XXXX XXXX, but they weren't able to validate the Flow Agreement, Account Level Verification or any Binding Contract between the original creditor, any third party debt collector and myself,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Only XXXX company responded, XXXX XXXX, but they weren't able to validate the Flow Agreement, Account Level Verification or any Binding Contract between the original creditor, any third party debt collector and myself,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to file a formal complaint regarding multiple inaccurate and fraudulent accounts that are being reported on my credit reports. I am a victim of identity theft and have already submitted an identity theft report through the FTC. Despite this, the accounts listed below are still being reported and are severely damaging my credit and overall financial standing. 
The accounts in question are from XXXX XXXX XXXX original creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX. Each of these accounts is being reported across one or more credit bureaus with conflicting, inconsistent, or flat-out false information. Some of the data reported is not only inaccurate but also appears to violate the Fair Credit Reporting Act and XXXX XXXX compliance standards. 
For example, the XXXX XXXXT account is reported differently on TransUnion, Experian, and Equifax, with various conflicting commentssome indicating the account is disputed, others not. XXXX XXXX XXXX shows inconsistencies in the reported date of last activity, and the XXXX XXXX XXXX account shows it as both an open account and a collection account, depending on the bureau. The dates for when the accounts were last active are also inconsistent and suggest re-aging of the debt, which is unlawful. 
These discrepancies are not only confusing but theyre making it extremely difficult for me to move forward with repairing my credit. Even after notifying the credit bureaus and furnishers of my identity theft and submitting proper documentation, these accounts remain on my reports. None of the furnishers have provided any valid certification of the debts or proof that I owe them. In some cases, they have continued reporting collection statuses even though the accounts are clearly fraudulent. 
Im frustrated and overwhelmed by this process. Ive done everything I was supposed to do to alert the proper authorities and bureaus about the identity theft, but I feel like Im not being taken seriously. Im asking for your help in having these accounts removed from all three of my credit reports as they are fraudulent, reported incorrectly, and are in clear violation of federal law.

Please help me resolve this issue and ensure that these furnishers are held accountable for the harm theyve caused. Thank you for your time and support.

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