vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am disputing an account reported by Equifax from XXXX Bank. This account does NOT belong to me. I was only listed as an authorized user on my fathers account. My father is deceased, and I was never financially responsible for this account, nor was I a joint account holder or a co-signer. 

Under the Fair Credit Reporting Act ( FCRA ), authorized user accounts can not be reported as a debt owed by the consumer, nor can they remain on a credit report once the primary cardholder is deceased. 

XX/XX/XXXX has already deleted this account after verifying that I am not responsible. Only Equifax continues to report it despite my dispute. 

Equifax has incorrectly claimed that because I was an authorized user, the debt falls on me after my fathers passing. That is factually and legally wrong. Authorized users are NOT liable for charges and can not be held responsible for the debt. 

I am requesting immediate deletion of this account because : XXXX. I was never the owner of the account. 
XXXX. The primary cardholder is deceased. 
XXXX. As an authorized user, I have XXXX legal liability. 
XXXX. Another bureau ( XX/XX/XXXX) already removed it as inaccurate. 

I am requesting the CFPB to require Equifax to remove this inaccurate account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports byXX/XX/XXXXXXXX BANK and the failure of the credit reporting agencies TRANSUNION, EQUIFAX and Experian to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law XXXX. Fair Credit Billing Act 15 U.S.C. XXXXa Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 
XXXX. Gramm-Leach-Bliley Act 15 U.S.C. XXXX This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 
XXXX. FCRA XXXX Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity. 
XXXX. FCRA XXXX ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXX/XX/XXXX ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

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 2025-11-21 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports byXX/XX/XXXXXXXX BANK and the failure of the credit reporting agencies TRANSUNION, EQUIFAX and Experian to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law XXXX. Fair Credit Billing Act 15 U.S.C. XXXXa Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 
XXXX. Gramm-Leach-Bliley Act 15 U.S.C. XXXX This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 
XXXX. FCRA XXXX Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity. 
XXXX. FCRA XXXX ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXX/XX/XXXX ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/year> -- {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint (XX/XX/XXXXXXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I amXX/XX/XXXX willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. Under 15 U.S. CXX/XX/XXXXe XXXXb Permissible purposes of consumer reports I never gave you any written consent to report XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section XXXX. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX. The inquiry was not authorizedXX/XX/XXXX Date of inquiry : XX/XX/year> I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title XX/XX/XXXXXX/XX/XXXXXXXX specifically 15 U.S. CXX/XX/XXXXe XXXX and 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) ( B ). 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA XXXX ( 15 U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt.

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 2025-11-21 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports byXX/XX/XXXXXXXX BANK and the failure of the credit reporting agencies TRANSUNION, EQUIFAX and Experian to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law XXXX. Fair Credit Billing Act 15 U.S.C. XXXXa Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 
XXXX. Gramm-Leach-Bliley Act 15 U.S.C. XXXX This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( i ) ( XXXX ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 
XXXX. FCRA XXXX Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity. 
XXXX. FCRA XXXX ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXX/XX/XXXX ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

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 2025-11-21 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: KY

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my [ auto loans ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XXXX XXXX XXXX XXXX ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my EXXXX XXXX and TransUnion credit file contains multiple inaccuracies that misrepresent my financial history, account status, personal information, and credit inquiries, and these errors have harmed my creditworthiness ; specifically, my address is incorrectly reported, several accounts show late payments or charge-offs that contradict my verified payment records, and there are credit inquiries listed that I did not authorize or that lack a permissible purposethese reporting failures violate my rights under the Fair Credit Reporting Act ( including 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ) ) because they are neither accurate nor properly verified and therefore create a misleading picture of my credit behavior and risk. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} SBNA XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-11-21 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I placed an order with XXXX and was charged for merchandise that I never received. After noticing the missing items, I contacted XXXX Customer Service to report the problem. Despite informing them that the package did not arrive and that no one at my residence received it, XXXX concluded their internal investigation and claimed the package was delivered with all items present. They denied my request for a refund or replacement. 

I then contacted my credit card issuer ( XXXX XXXX XXXX XXXX to dispute the charge under the Fair Credit Billing Act, which allows consumers to dispute charges for goods not received. Instead of properly reviewing the dispute, the bank upheld Nordstroms conclusion without addressing the fact that I never received the merchandise. I was left responsible for the full charge. 

I have made multiple attempts with both XXXX and XXXXXXXX XXXX to resolve this matter, but both parties refused to take responsibility or offer a remedy. I pay for something that I did not received. I feel abused to be charged for merchandise that was never delivered to me, and neither company is providing meaningful assistance. 

I am submitting this complaint because both XXXX and XXXX XXXX  failed to follow consumer protection laws related to undelivered merchandise and proper billing dispute handling. I consent to having this description published so that other consumers can be aware of this recurring issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation