vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-06 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: TX

Complaint narrative:
I dont recognize these accounts ; please remove them within 15 days as stated in USC 1681g.

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 2025-11-06 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-06 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: NC

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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an incorrect late payment report that has been filed against my account for the month of XX/XX/XXXX. The payment was made in XXXX and I have attached the necessary proof of payment for your reference. The reporting of a late payment is erroneous and does not accurately reflect my payment history. 

Summary of the Issue : I made my required payment for XX/XX/XXXX in full and on time. I have attached a copy of the payment confirmation receipt, along with bank records that verify the transaction occurred in XXXX Despite this, my account was reported as being late, and this inaccurate reporting has been adversely affecting my credit. 

Relevant Dates : XXXX, XXXX : Payment made in full. 

XX/XX/XXXX : The payment was processed and cleared. 

Notification received of the reported late payment. 

Proof of Payment : I have attached payment confirmation and bank statement, that confirms my payment was made on the aforementioned date. This document clearly shows that the payment was processed without issue. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report. The FCRA mandates that credit reporting agencies ( CRAs ) must conduct a reasonable investigation when a consumer disputes the accuracy of reported information, and they must correct or remove any inaccurate information that is not substantiated within 30 days. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) reinforces the principle that consumers have the right to dispute and challenge erroneous late payment reporting. In this case, the court held that a consumer 's right to challenge inaccurate credit report entries takes precedence over incomplete or unverified records that have been reported without proper validation. The reporting company must prove that the information is correct, and in this instance, the evidence of my timely payment clearly contradicts the late payment reporting. 

Actions Taken : I have attempted to resolve this matter by contacting the company, submitting proof but I have not received a response or correction as of the time of writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I am writing to formally dispute the following items on my credit report. I have reviewed the report and found the following errors that I believe are inaccurate or require further investigation. According to the information provided, the items listed below are negatively impacting my credit score. 
1. Account : XXXX XXXX ( Charge-Off ) o This account shows a " Charge-Off '' status, but I believe it was inaccurately reported. Please verify that this information is correct, and if not, kindly remove or update it as necessary. 
o Last Activity : XX/XX/XXXX, balance : {$110.00}. 
2. Account : XXXX XXXX XXXX  ( Charge-Off ) o This account has a charge-off status from XXXX. Please investigate the accuracy of this item and verify whether the information provided is correct. 
3. Account Delinquency o There are late payments recorded for multiple accounts, including those that have been paid on time. Please investigate these late payments and update your records to reflect accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
Subject : Dispute of Inaccurate Reporting Request for Immediate Deletion Consumer Name : XXXX XXXX Account/Reference : XXXX To Whom It May Concern, I am formally disputing the accuracy of the account reported by XXXX. Despite your previous attempt at validation, the information remains inaccurate, incomplete, and misleading. 

1. The account reflects incorrect dates, balances, and payment history. 


2. If the last payment was made on XX/XX/XXXX, how are XXXX and XXXX reported as on time, yet XXXX is reported late? This clear inconsistency demonstrates inaccurate reporting and provides strong grounds for immediate deletion. 


3. Your attempt to pursue a default judgment is unjustified, as the account contains demonstrable errors and misreporting. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report due to inaccurate reporting and conflicting payment information. 

Please confirm the deletion of this account from all credit reporting agencies. Failure to comply may result in further action. 

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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
What happened? 

On XX/XX/year>, I opened a BMO checking account ( Account ending in XXXX ) at a branch with employee XXXX XXXX. 

I was induced to open this account by a specific promotional offer ( Promo Code : XXXX ), which promised a {$400.00} cash bonus after receiving a cumulative total of {$4000.00} in qualifying direct deposits within 90 days of account opening. 

I met this requirement. 

On XX/XX/year>, I received an ACH deposit of {$2000.00}. 

On XX/XX/year>, I received a second ACH deposit of {$2000.00}. 

These two deposits brought my cumulative total to {$4000.00} well within the 90-day qualification period. Both deposits are clearly described on my bank statement as " ACH DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX. '' The promotional terms state the bonus would be paid approximately 100 days after account opening. As of today, XX/XX/year>, which is well past the 100-day mark, I have not received the promised {$400.00} bonus. 

I have fulfilled my end of the promotional agreement. BMO has failed to honor its advertised offer.

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 2025-11-06 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT ADJUS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-06 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: CT

Complaint narrative:
Subject : Inaccurate Late Payment Reporting by XXXX XXXX XXXX Automated Verification Error Message : Dear Consumer Financial Protection Bureau, I am submitting this complaint because XXXX XXXXXXXX XXXX is reporting inaccurate late payments on my TransUnion credit report. I have already disputed these items with TransUnion, but they came back as verified without proper documentation or proof. 

When I contacted XXXX XXXXXXXX XXXX directly, their representative stated that the reporting was handled by their AI ( automated system ) and that the system determined the information was correct. This raises serious concerns about the accuracy and reliability of their reporting and whether a human review or reasonable investigation was ever conducted, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ). 

I strongly believe these late payments are incorrect. Based on my payment records, these accounts were paid on time, or any delay was due to internal posting or automated system errors that should not have been attributed to me. 

Despite this, TransUnion verified the information as accurate without providing any supporting documents from XXXX XXXXXXXX XXXX ( such as statements, payment logs, or due-date records ). It appears the verification process relied solely on automated data exchange, not a proper reinvestigation. 

I am requesting the CFPBs assistance in ensuring that : 1. XXXX XXXX XXXX provides verifiable documentation proving the alleged late payments, including actual due dates and payment posting dates. 
2. TransUnion conducts a true reinvestigation under FCRA 611 ( a ), with human review rather than automated validation. 
3. Any unverified or inaccurate late payments be immediately deleted or corrected from my credit report. 

These inaccurate late marks have caused significant harm to my credit score and financial standing. Given that the bank itself admitted AI was involved in reporting and AI systems are subject to error I request an expedited review and correction of this matter. 

Thank you for your time and attention to this issue. 

Sincerely, [ XXXX XXXX ] [ Address : XXXX XXXX XXXX XXXX Connecticut 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 2025-11-06 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: GA

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Subject : Dispute of Charged-Off Accounts, Inquiry, and Late Payment Reporting 1. Charged-Off Accounts DOE XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$55000.00} XXXX XXXX  ( XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} I believe these accounts are being inaccurately reported as charge-offs or may no longer meet the FCRAs reporting requirements. 
Please verify with the furnishers and delete any unverifiable information. 

2. Unauthorized or Questionable Inquiry XXXX Inquiry dated XX/XX/XXXX I do not recall authorizing this inquiry. Please confirm that this inquiry was made with my written consent or remove it from my file in accordance with FCRA 604 ( a ). 

3. Late Payment Reporting XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Please verify the payment history for this account and correct or remove any inaccurate information.

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