vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute late payments information being reported on my credit report in connection with my XXXX account number XXXX. This information is inaccurate and unverifiable under federal law, specifically 15 U.S.C. 1666b, which prohibits the reporting of late payments that can not be substantiated.

According to the Fair Credit Billing Act ( FCBA ), creditors must not report a payment as late unless it was received after the expiration of the grace period and the delinquency can be properly verified. Upon reviewing my records, I do not see any valid evidence to support the claim that my payments ( XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) were indeed late. Therefore, I am requesting that you provide full documentation verifying the alleged delinquency, including : A copy of the billing statement showing the closing date and due date ; Proof of when the payment was received ; An explanation of how the late payment determination was made ; Documentation confirming compliance with 15 U.S.C. 1666b.

If you are unable to provide the documentation substantiating the validity of the reported late payment ( s ), you are required by law to immediately remove the inaccurate information from my credit reports with all consumer reporting agencies to which it was furnished.

Additionally, I am requesting that you refrain from further reporting of the unverifiable negative item until this dispute is resolved, as required under the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and respond to me in writing within 30 days, as required under federal law. If no sufficient verification is provided within this period, I expect the late payment entry to be deleted from all reporting databases. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My only name is XXXX XXXX XXXX only address is XXXX XXXX XXXX XXXX, FL XXXX My only number is XXXX My only employer is XXXX oil change

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information under FCRA 1681i and Metro 2 Compliance I am writing to formally dispute multiple inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) 1681i. Upon reviewing my report dated XX/XX/year>, I identified serious Metro 2 and FCRA compliance violations as outlined below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance reported as active despite charge-off - Payment history grid continues after charge-off date - No clear Date of First Delinquency ( DOFD ) - Dispute remark present with no reinvestigation confirmation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account appears re-aged - No DOFD disclosed - Inaccurate grid reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting {$0.00} balance while still showing charge-off - Missing Date of Last Activity XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - No payment history timeline shown - Conflicting dispute remark still listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Overlimit usage reported without limit - Late payment history reported on a closed account - Status mismatch : closed account reported delinquent Under FCRA 1681s-2 ( b ), 1681e ( b ), and 1681i, these accounts are being reported with materially false and misleading data, constituting grounds for immediate reinvestigation and deletion. 

I request a full reinvestigation of each account, including verification from the original data furnisher. If you can not verify the accuracy in compliance with Metro 2 standards, these items must be deleted per 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 2025-06-01 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information under FCRA 1681i and Metro 2 Compliance I am writing to formally dispute multiple inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) 1681i. Upon reviewing my report dated XX/XX/year>, I identified serious Metro 2 and FCRA compliance violations as outlined below : 1. * * XXXX XXXX XXXX XXXX * * - Balance reported as active despite charge-off - Payment history grid continues after charge-off date - No clear Date of First Delinquency ( DOFD ) - Dispute remark present with no reinvestigation confirmation 2. * * XXXX XXXX XXXX * * - Account appears re-aged - No DOFD disclosed - Inaccurate grid reporting 3. * * XXXX XXXX * * - Reporting {$0.00} balance while still showing charge-off - Missing Date of Last Activity 4. * * XXXX XXXX Services * * - No payment history timeline shown - Conflicting dispute remark still listed 5. * * XXXX XXXX * * - Overlimit usage reported without limit - Late - Status mismatch : closed account reported delinquent Under FCRA 1681s-2 ( b ), 1681e ( b ), and 1681i, these accounts are being reported with materially false and misleading data, constituting grounds for immediate reinvestigation and deletion. 

I request a full reinvestigation of each account, including verification from the original data furnisher. If you can not verify the accuracy in compliance with Metro 2 standards, these items must be deleted per 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 non-monetary relief
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
Formal Complaint Regarding Repeated Inaccuracies and FCRA Violations in My Equifax Credit Report I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting of my personal information, continued inclusion of unverifiable accounts, and misclassification of account statuses that have harmed my financial standing and creditworthiness. 



XXXX. Incorrect Personal Identifiers and Name Variations My legal name is XXXX XXXX XXXX XXXX. Equifax has reported the following inaccurate or incomplete name variations, which I have disputed previously, but Equifax has not corrected : XXXX A XXXX XXXX SOLID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names do not match my legal identity and may result in erroneous account matches. I request immediate removal of all incorrect name versions and updating of my file to reflect only my full legal name. 



XXXX. Reporting of Unverified or Invalid Accounts in Violation of FCRA XXXX I have submitted disputes on the following accounts, requesting validation under the FCRA, and have not received sufficient evidence or original documentation : XXXX XXXX / XXXX Account # XXXX Status : Charged off Issue : Verified without documentation ; balance and status remain disputed. 
XXXX XXXX XXXX Account # XXXX Status : Collection Issue : Equifax failed to validate this account per XXXX XXXX  XXXX and continues reporting despite lack of original creditor verification. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX Status : Closed, but late payment reported Issue : XXXX-day late mark was reported erroneously ; evidence has not been provided. 
XXXX XXXX XXXX Account # XXXX Status : Collection Issue : No sufficient documentation has been provided ; debt not properly validated. 
XXXX XXXX XXXX Account # XXXX Status : Charged off Issue : Misreporting with {$9.00} balance and without validation. 



XXXX. Misrepresentation of Current Accounts Equifax has incorrectly labeled certain non-delinquent and current accounts as Potentially Negative, which misleads creditors and lowers my score unfairly, violating FCRA XXXX ( b ). 



XXXX. Failure to Provide Verification Information Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the information, including : The name, address, and phone number of the data furnisher The method of verification Copies of documentation used Equifax has failed to provide this information, despite multiple requests. 
If Equifax fails to comply within XXXX days, I will escalate by : Filing complaints with the FTC, and State Attorney General Pursuing civil action under XXXX XXXX  XXXX for damages and injunctive relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XX/XX/XXXX open a Lone with world finance for XXXX dollars paid off XXXX owed XXXX world finance closed my account for being late account was charged off then XXXX XXXX sold my account to spring oaks capital XX/XX/XXXX 4 years after world finance closed my account they sold my account XXXX dollars without my consent to another company now spring oaks capital says I owe them XXXX dollars witch is fraud and a lie I didnt even owe that much to world finance this is fraud and illegal I never signed or consented to any agreement with spring oaks finance they purchased my XXXX dollar debt from XXXX XXXX and now saying I owe XXXX I never herd of this company before they open this debt fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
On XX/XX/year> I received multiple alerts from all of the credit bureaus saying that I had a new inquiry.i have no applied for any new lines of credit within the last 3-4 years. I see that a company called XXXX made a hard inquiry. I have not not had any dealings with this company nor do I know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} US DEPT ED XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Payactiv, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX as well as XX/XX/XXXX at XXXX I tried accessing XXXX $ XXXX on the XXXX and XXXX $ on the XXXX from my Payactiv account and mistakingly entered one wrong number on end of my XXXX  card number Payactiv still processed XXXX successfully . As upon realized my mistake I called Payactiv customer service to cancel transactions both time I was told they couldn't cancel these transactions because they were successfully processed on their end not sure how be that expedition and cvw code was correct only numbers on last four of card number was incorrect. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
Hey I would like to dispute XXXX XXXX XXXX XXXX XXXX The XXXX Card shows a late payment for XX/XX/XXXX & XX/XX/XXXX But when checking Consumer Reports it is completely Inaccurate The XXXX XXXX shows a late payment for XX/XX/XXXX First I have made sure to pay each of these cards each month and I was not notified at all about any due or missing payments Second Upon reviewing my Consumer Reports, I discovered some instances of late payments on these XXXX accounts listed above ( XXXX XXXX XXXX XXXX XXXX ) for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX Card ( XXXXXXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ),. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-06-01 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: MO

Complaint narrative:
Equifax XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX Assistance Department XXXX. XXXX 2000 XXXX, PA XXXX RE : Fraudulent XXXX XXXX Accounts on My Credit Report Dear Sir or Madam, I am writing to notify you that I am a victim of identity theft, and I am formally requesting that you block and remove certain fraudulent items from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act ( FCRA ). 

Specifically, all accounts listed under XXXX XXXX that appear on my credit report are fraudulent and are the result of identity theft. I have never opened or maintained any accounts with XXXX XXXX. 

My personal information was compromised during the Equifax data breach, and following that, I experienced several instances of identity fraud, including mail being rerouted without my consent, and fraudulent bank accounts and loans being opened in my name. I have since taken steps to secure my identity, including placing fraud alerts and freezing my credit. 

I respectfully request that you block and remove all XXXX XXXX accounts from my credit report, and notify the furnishers of this information accordingly, as required by section 605B of the FCRA.

Enclosed are the following documents for your review : A copy of my Identity Theft Report filed with the Federal Trade Commission A copy of my government-issued identification.

A copy of section 605B of the Fair Credit Reporting Act, outlining your obligation to block fraudulent information resulting from identity theft. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent accounts have been removed from my credit file. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Proof of Address Copy of FCRA 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
Equifax XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX Assistance Department XXXX. XXXX 2000 XXXX, PA XXXX RE : Fraudulent XXXX XXXX Accounts on My Credit Report Dear Sir or Madam, I am writing to notify you that I am a victim of identity theft, and I am formally requesting that you block and remove certain fraudulent items from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act ( FCRA ). 

Specifically, all accounts listed under XXXX XXXX that appear on my credit report are fraudulent and are the result of identity theft. I have never opened or maintained any accounts with XXXX XXXX. 

My personal information was compromised during the Equifax data breach, and following that, I experienced several instances of identity fraud, including mail being rerouted without my consent, and fraudulent bank accounts and loans being opened in my name. I have since taken steps to secure my identity, including placing fraud alerts and freezing my credit. 

I respectfully request that you block and remove all XXXX XXXX accounts from my credit report, and notify the furnishers of this information accordingly, as required by section 605B of the FCRA.

Enclosed are the following documents for your review : A copy of my Identity Theft Report filed with the Federal Trade Commission A copy of my government-issued identification.

A copy of section 605B of the Fair Credit Reporting Act, outlining your obligation to block fraudulent information resulting from identity theft. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent accounts have been removed from my credit file. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Proof of Address Copy of FCRA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This accounts has not been late on payments. I've attached a copy of my report to the complaints on the following dates XX/XX/24 and XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand theses payments to be updated to paid on time immediately Thank you for your understanding and prompt action.

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 2025-06-01 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reported accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This accounts has not been late on payments. I've attached a copy of my report to the complaints on the following dates XX/XX/24 and XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand theses payments to be updated to paid on time immediately Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation