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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Cr

edit 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 XXXX XXXX XXXX XXXX XXXX

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: IL

Complaint narrative:
I am submitting this complaint to address inaccurate and misleading information reported on my credit files with Experian, Equifax, and TransUnion. XXXX XXXX XXXX accounts, XXXX with a balance of {$6100.00} reported as a charge-off on Experian and TransUnion, but listed as {$2200.00} on Equifax, create inconsistency and duplication across the reports. Another XXXX XXXX XXXXXXXX account lists balances of {$2300.00} on Experian and Equifax, while TransUnion reports {$2200.00}, with a duplicate entry of {$2300.00} also appearing on TransUnion. Additionally, my XXXX XXXX account ( XXXX ) shows a balance of {$9900.00} across all three bureaus but fails to reflect the correct status and dates of last activity. These discrepancies suggest that the accounts may have been discharged and should be eligible for reporting under IRS Form 1099-C. The continued misreporting of these charge-offs and inaccurate balances is significantly harming my creditworthiness, misleading potential creditors, and violating my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ), 608 ( a ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ).

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not connected to these accounts ; they must be removed within 15 days pursuant to USC 1681g.

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 status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX had shown to me ( in email ) that they have sent information to all 3 Credit bureaus confirming that I have never been 30 days late. Credit bureaus refuse to correct their reporting of this misinformation and refuse to correct their mistakes. 
I am sick of this fight trying to prove I have never been 30 days late. I have sent documentation showing I have never been late. The credit bureaus inform me that XXXX is reporting me that I was late. 
XXXX informs me they are NOT reporting that I was late. XXXX also provided proof of them reporting that I was NEVER late. 
During COVID lockdown I could not fly back to XXXX for my job so I was not receiving a paycheck. I had spent all my savings during the lockdown to survive. I did not get any government assistance. I went to XXXX BEFORE I was late to get a forbearance and was granted this assistance, I was informed that I would not be reported as ever being late because I got ahead of the situation and received my forbearance BEFORE I was late. Why am I being reported as late during the COVID crisis when I received a forbearance?

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: EQUIFAX, INC.
State: VA

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  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history. 
2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
6. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history. 
2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
6. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to submit a formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ) regarding multiple collection accounts currently appearing on my credit report. I am requesting a general investigation into the accuracy, completeness, and verifiability of all collection accounts reported under my name. 
Upon reviewing my credit file, I found collection accounts that may be inaccurate, outdated, incomplete, duplicated, improperly reported, or unverifiable. Under federal law, all credit bureaus are required to ensure that every item you report is : 100 % accurate Complete Verifiable with documented evidence Reported within the allowable legal time frame Not misleading in any way

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of the OFFICE OF THE ATTY GEN XXXX account, because the way it is currently listed on my credit report does not match my actual payment history or the factual timeline of the account. Your files show that this account was opened on XX/XX/XXXX, with a balance of {$8300.00}, but the late payment section claims I became 180 days delinquent as of XX/XX/XXXX. This is not logically or mathematically possible based on the accounts true age and activity. A 180-day late requires six consecutive months of missed payments, yet the timeline you reported does not support that sequence, nor does it match any statements or payment confirmations I have retained. This error places me in an unfair and damaging position, and it directly violates FCRA 607 ( b ) because the information being furnished has not been verified for accuracy before being added to my record. 
Furthermore, the way this account is being displayed suggests gaps, missing updates, and unexplained jumps in delinquency that make the entire entry unreliable and unclear. There are no notes showing any months of increasing delinquency leading up to the alleged 180-day status, no consistent reporting of prior late marks, and no documented reason for such a severe delinquency to appear suddenly. The manner in which this late information is being presented appears fragmented and incomplete, making it impossible to understand how the bureau or the furnisher calculated a late status of this severity. Because of these inconsistencies, the account fails to meet FCRA accuracy standards and can not be considered a complete or verifiable entry. I am respectfully requesting a reinvestigation into how these dates, payment histories, and delinquency levels were determined. 
Lastly, I must emphasize that this account has never reached, nor should it ever reflect, a 180-day late status because at no point did the account experience the six full months of nonpayment required for such a classification. I have maintained communication regarding this obligation, made payments that are not reflected, and ensured there were no extended periods of inactivity. Yet the credit bureaus version of events is missing months of activity, missing payments I know were made, and displays a severity of delinquency that conflicts with what the original creditor has on file.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of the OFFICE OF THE ATTY GEN XXXX account, because the way it is currently listed on my credit report does not match my actual payment history or the factual timeline of the account. Your files show that this account was opened on XX/XX/XXXX, with a balance of {$8300.00}, but the late payment section claims I became 180 days delinquent as of XX/XX/XXXX. This is not logically or mathematically possible based on the accounts true age and activity. A 180-day late requires six consecutive months of missed payments, yet the timeline you reported does not support that sequence, nor does it match any statements or payment confirmations I have retained. This error places me in an unfair and damaging position, and it directly violates FCRA 607 ( b ) because the information being furnished has not been verified for accuracy before being added to my record. 
Furthermore, the way this account is being displayed suggests gaps, missing updates, and unexplained jumps in delinquency that make the entire entry unreliable and unclear. There are no notes showing any months of increasing delinquency leading up to the alleged 180-day status, no consistent reporting of prior late marks, and no documented reason for such a severe delinquency to appear suddenly. The manner in which this late information is being presented appears fragmented and incomplete, making it impossible to understand how the bureau or the furnisher calculated a late status of this severity. Because of these inconsistencies, the account fails to meet FCRA accuracy standards and can not be considered a complete or verifiable entry. I am respectfully requesting a reinvestigation into how these dates, payment histories, and delinquency levels were determined. 
Lastly, I must emphasize that this account has never reached, nor should it ever reflect, a 180-day late status because at no point did the account experience the six full months of nonpayment required for such a classification. I have maintained communication regarding this obligation, made payments that are not reflected, and ensured there were no extended periods of inactivity. Yet the credit bureaus version of events is missing months of activity, missing payments I know were made, and displays a severity of delinquency that conflicts with what the original creditor has on file.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, incomplete, and outdated items reported on my credit files with Experian, TransUnion, and Equifax. My credit reports incorrectly list charge-offs from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$7300.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$21000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$11000.00}, with errors in the dates of first delinquency and reporting accuracy, violating FCRA 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, the collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of {$3900.00}, has not been properly validated under FDCPA 807, 808, and 809. I also dispute unauthorized hard inquiries from XXXX XXXX and XXXX XXXX XXXX dated XX/XX/scrub>XXXX, which appear without permissible purpose, in violation of FCRA 604 ( a ), 605 ( a ), and 611. These reporting errors and unverifiable debts are misrepresenting my creditworthiness, impacting my financial opportunities, and failing to meet legal obligations for accurate, timely, and verifiable 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