vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am filing this complaint because XXXX  and Experian are reporting multiple pieces of incorrect and outdated personal information on my credit reports, despite my attempts to have them corrected. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of accurate and verifiable information. 

XXXX  is inaccurately reporting two names that do not belong to me : XXXX, XXXX and XXXX, XXXX. These names are not aliases, nicknames, or legal variations of my name. My only legal and correct name is XXXX XXXX, and I have never used any other variation in any legal or financial context. These false name entries are unacceptable and damaging, and they suggest potential file mixing or negligent data handling. 

Additionally, both XXXX  and Experian are reporting a previous address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX that I have never resided at. My only and current address is XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX, and any other address reported in my file is inaccurate. XXXX  is also reporting an additional false address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX which I have no personal or professional connection to whatsoever. 

The presence of these false names and addresses in my file has already caused confusion in my applications and threatens to affect my access to credit and housing. These errors are a direct violation of the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LJ Ross Associates
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nRE: DISPUTE OF INACCURATE EVICTION REPORTING.\nI am writing to dispute an inaccurate and unverifiable eviction/collection item listed on my credit report. this entry appears to be reporting errors that are not consistent with my records and may be a violation of the fair Credit Reporting Act(FCRA).\nCREDITOR/AGENCY NAME: L J ROSS ASSOCIATE\nAMOUNT:XXXX\nDATE REPORTED: XXXX XXXX XXXX\nI request that this item be investigated and removed immediately unless the furnisher can provide verified documentation including  the original lease, court documentation and proof of my responsibility for the debt.\nplease complete this investigation within 30-day time frame as required by FCRA and send me the results in writing.\nsincerely,\XXXX XXXX'

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion via certified mail on [ insert date you mail the letters ] regarding inaccurate and/or unverifiable accounts and inquiries on my credit report. 
Despite citing clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : * 15 U.S.C. 1681b No permissible purpose for certain inquiries * 15 U.S.C. 1692g Lack of debt validation by debt collectors * 15 U.S.C. 1681s-2 Failure to report accurate and verifiable information * 15 U.S.C. 1681c-2 Failure to block fraudulent/inaccurate items upon notice these credit bureaus continue to report negative and inaccurate items on my report. This includes : TransUnion * XXXX XXXX XXXX {$4000.00} * XXXX  XXXX {$540.00} ( XXXX late payments ) * XXXX unauthorized hard inquiries from XXXX XXXX Equifax * XXXX XXXX {$1400.00} ( no contractual agreement; invalid debt ) * XXXX  XXXX {$540.00} Experian * XXXX XXXX XXXX {$4000.00} * XXXX  XXXX {$540.00} XXXX formally requested verification of these accounts. If they can not be 100 % verified with documentation from the original creditor, they must be removed. I also cited relevant case law ( e.g., Cushman v. TransUnion ) that confirms the bureaus duty to conduct meaningful investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-20 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-20 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: TN

Complaint narrative:
This account from XXXX XXXX XXXX XXXX is inaccurately reporting. There is a 30 day late remark reporting in the payment history on XX/XX/year>. I don't recall being late on XXXX XXXX XXXX I don't recall ever being late on this account. In fact, I believe I was on auto pay for the entirety of this credit card being open. Please investigate this account, and place in dispute. Please send validation documents and the account statements to prove I missed those payments. If you are unable to validate this late remark, or provide any validating documents, please remove this account from my credit report immediately.

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 2025-06-20 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
I am filing this complaint because a judgment has been entered against me by Capital One, N.A. in XXXX XXXX Supreme Court ( Index # XXXX ), and my wages are currently being garnished by the XXXX XXXX XXXX XXXX on that judgment. However, I was never properly served with notice of this lawsuit. The address used for service was a previous residence where I no longer lived at the time, and I was unaware of the case until receiving notice of the wage garnishment in XX/XX/year>. 

Additionally, the debt in question was charged off and sold, and XXXX XXXX is not the current or original creditor on this account. The account was previously resolved through a discharge process ( bankruptcy or settlement ), and I believe this action violates consumer protection statutes. 

I am requesting that this collection activity and garnishment be halted immediately, the judgment vacated, and that this debt be fully validated with a proper chain of title showing legal ownership of the debt. I also ask for investigation into the legality of the service and whether this action complies with applicable laws regarding notice and due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

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 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 2025-06-20 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:
THIS IS NOT A REQUEST THIS IS A FORMAL DEMAND for the IMMEDIATE removal of fraudulent and inaccurate information on my credit report as mandated under Section 605b of the Fair Credit Reporting Act ( FCRA ). This law is crystal clear : fraudulent accounts MUST be removed once valid documentation is provided. I have attached my FTC Identity Theft Report as irrefutable proof that these accounts are fraudulent.

XXXX ACCOUNT NUMBER XXXXXXXX XXXXBALANCE : {$1100.00} XXXX Account XXXX Balance : {$1300.00} XXXX Account XXXX Balance : {$1200.00} XXXX Account XXXX Balance : {$1500.00} XXXX  Account XXXX Balance : {$990.00} XXXX  Account Number : XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Account XXXX Balance : {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Balance : {$1200.00}

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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
Dear Celtic Bank, account : XXXX I am writing regarding a credit card account that was charged off in XX/XX/XXXX with a balance of {$1900.00}. As of today, I have not received a Form XXXX, which should have been issued no later than XX/XX/XXXX, if the debt was canceled. 

If the balance was written off as a loss for tax purposes, it is illegal to fail to report the cancellation of debt to the IRS. The issuance of a XXXX is not optional in this case ; it is a legal requirement for debts of {$600.00} or more that are canceled or charged off. 

Due to this error, I am formally requesting the deletion of the entire trade line from all three major credit reporting agencies XXXX XXXX XXXX XXXX  as your failure to comply with federal tax reporting obligations violates consumer and tax law. 

I appreciate your prompt attention to this matter and look forward to your written confirmation of deletion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, al 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 2025-06-20 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: VA

Complaint narrative:
I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect that you will fully investigate this matter and provide a response within the time frame required by law. 
Sincerely, 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 2025-06-20 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-20 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 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: NY

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Experian Information Solutions Inc. My credit report contains inaccurate late payment notations for the account XXXX XXXX XXXXXXXX with account number XXXX, which do not accurately reflect my payment history. 
Issue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
XXXX. Violations of Applicable Laws : XXXX Fair Credit Reporting Act ( FCRA ) : Under XXXX U.S.C. XXXX & XXXX, credit reports must be accurate and complete. I disputed this error, but no correction has been made. 
o Truth in Lending Act ( XXXX ) : Under XXXX U.S.C. XXXX ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement. 
o XXXX XXXX Billing Act ( FCBA ) : Under XXXX U.S.C. XXXX ( b ), creditors must send billing statements at least XXXX days before the due date. This was not done, contributing to the inaccurate reporting. 
o Protection Against Non-Payment of Obligations Act ( XXXX ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected. 
XXXX. Previous Attempts to Resolve : o I have disputed this directly with Experian Information Solutions Inc, sending multiple letters requesting a correction. 
o To date, no effective action has been taken to correct these errors. 
XXXX. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/25 under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

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