vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account and Final Warning for Immediate Removal XXXX XXXX  Account # XXXX To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding Experians failure to remove a fraudulent account from my credit report. Despite my submission of a Police Report and an FTC Identity Theft Report ( FTC Report Number : XXXX ), your agency has incorrectly claimed that the disputed account has been 'verified. ' The following fraudulent account remains on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Status : Paid in Settlement ( Closed ). 
However, this account shows multiple discrepancies and inaccurate reporting details, including : - The account status shows 'Paid in settlement, ' but continues to display negative months and late payments ( XXXX, XXXX, XXXX  days ) even after it was closed. 
- The current balance is {$0.00}, meaning there is no outstanding debt. Continuing to report negative marks on a zero-balance account violates the accuracy requirements under federal law. 
- There are inconsistent dates between the last payment ( XX/XX/XXXX ) and the status update ( XX/XX/XXXX ), with no explanation for subsequent updates. 
- No physical proof of verification or signed consumer contract has been provided, as required under FCRA 609 ( a ) ( 1 ) ( A ).

According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) : Grants me the right to request removal and physical proof of verification for any reported account.

15 U.S.C. 1681c-2 : Requires credit bureaus to block any information identified as resulting from identity theft once documentation has been provided.

Experians response does not meet the legal standards of verification required by the FCRA.

By maintaining inaccurate and contradictory information, your agency is in direct violation of FCRA Sections 611 ( a ) ( 5 ) ( B ) and 607 ( b ).

Therefore, I demand the immediate removal of this account from my credit report and a written confirmation of its permanent deletion. Continued noncompliance will result in escalation of this matter to the CFPB and appropriate legal authorities.

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 2025-11-10 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:
I am disputing the following items on my Equifax credit report. I am requesting a full reinvestigation, and if the information can not be verified with proper documentation, I request the immediate correction or removal of the accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Verify that the removal of disputed accounts complies with legal timelines.

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 2025-11-10 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: Synovus Bank
State: NJ

Complaint narrative:
First Progress Credit Card Reinserted Late Payment After Error Was Acknowledged Im extremely frustrated with First Progress and their handling of my account. Back in XX/XX/year>, I contacted them about a late payment that was incorrectly reported due to a miscommunication on their part regarding an annual fee. I was never properly informed about this fee, and when I spoke to their customer service, they admitted it was their mistake and assured me the late payment would be removed. 
It was removedtemporarily. Now, out of nowhere, theyve added it back to my credit report as if our previous conversation never happened. This is not just careless, its a serious violation of fair credit reporting practices. Their failure to notify me properly and then re-report the error is unacceptable. 
This mistake is damaging my credit score, and I demand that it be corrected immediately. Ive already tried resolving this directly with First Progress, but theyve failed to take responsibility and fix their error.

Im attaching all relevant documents and communications. I expect this to be investigated thoroughly and resolved without delay. I want this late payment permanently removed from my credit report and confirmation that it will not be reinserted again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am formally requesting the removal of this erroneous account from my credit report, as I never authorized its creation or use. Attached are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
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. ''

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 2025-11-10 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: CA

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.

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 2025-11-10 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: CT

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This information is inaccurate and unverifiable as reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full investigation into this matter.If the furnisher of this information can not verify the accuracy and completeness of the account within the statutory period ( 30 days ), I request that it be deleted entirely from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please send me written confirmation of the investigation results, including an updated copy of my credit report reflecting any deletions or corrections made.Credit acceptance has had a vehicle on my credit report that was mark as unpaid it was opened XX/XX/XXXX. It is showing XXXX late payments when it was wrote off by them and paid off due to the pandemic. The amount is {$15000.00} The vehicle was marked a totalled out beyond repair and paid off due to XXXX XXXX and a law suit that was placed on them. In XX/XX/XXXX they were paid again due to settlement. It was wrote off by the company and still reflects on my credit reporting late payments and cauding a negative impact on my credit.It is still on my report as unpaid debt reporting negative on all credit bureau 's such as XXXX, XXXX, and XXXX. When the debt was mark as paid in full with no late payments and I would like it deleted from all credit reports as it is stopping me from getting a home as a homeowner and has caused me to be homeless and cause emotional distress in having this debt that was paid off by a lawyer and I have not been able to get another vehicle from a car dealership in the past XXXX XXXX. I can not get any loans for a new home or get a new vehicle from any companies at all. I need it removed 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 2025-11-10 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
The investigation did not fix an error on my report

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 2025-11-10 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
First National Collection Bureau , Inc. first contacted me via a letter received on XXXX XXXX, XXXX. The letter states a debit with XXXX XXXX XXXX was not paid in full. They state I owe {$3600.00}. The letter said a judgment was signed against me on XX/XX/XXXX. When I called to asked them to give me proof of how and who was paying, she said you. When I tried to explain this was not me and that my social security number was stolen, she became rude. She would not help me solve this issue but told me to go before a judge to resolve it. She claimed she heard my story before. She wanted my social security number and date of birth to find my account. I did not give my social security number only my birthday. Instead of helping me, she said Im spending too much time talking to you! then hung up. In the letter it did mention that Second Round XXXX XXXX is offering me a discount amount to stratify the debt. I never received any letters or notices from XXXX XXXX XXXX and Second Round Sub LLC about any debt not being paid. The letter dated XX/XX/XXXX, from First National Collection Bureau was the only notification I received on this debit. Again, its not mine and I have no clue if my cheating ex-husband opened a store credit with XXXX XXXX XXXX in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information being reported on my Equifax and Experian credit report. Despite having resolved and fully satisfied a debt, the account remains incorrectly listed as a Charge-Off instead of being updated to reflect a {$0.00} balance and paid status. 

Account Information : Original Creditor : Ally Bank ( Ollo Rewards ) Current Owner : XXXX XXXX XXXX XXXX XXXX. 
Original Account Number ( last XXXX ) : XXXX MCM Account Number : XXXX On XX/XX/year>, I completed payments totaling {$540.00} to XXXX XXXX XXXX ( MCM ), which satisfied the account in full. MCM provided a confirmation letter stating that the balance is {$0.00} and that I have no further obligation on this debt However, Equifax and Experian continues to report this account as Charge-Off with an active negative status, even after I disputed the entry. The investigation result came back as verified, which contradicts the official payment and satisfaction documentation from MCM. 

This inaccurate reporting is in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), which requires furnishers to promptly correct and update information that they determine to be incomplete or inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
TransUnion closed my previous dispute claiming it did not come directly from me or someone I authorized. This is incorrect. I personally submitted the dispute myself through the CFPB portal and have not authorized any third party to act on my behalf. 

I am the original consumer, and I am requesting TransUnion to properly reinvestigate the following inaccurate information : XXXX XXXX, XXXX, NY XXXX Wrong address XXXX XXXX, XXXX, NY XXXX Wrong address XXXX XXXX XXXX XXXX Reported late payment, which is inaccurate as I have never made a late payment Top Line XXXXXXXX XXXX Reported late payment, which is inaccurate as I have never made a late payment I am asking CFPB to ensure that TransUnion conducts a proper reinvestigation and corrects or removes the 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
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
My credit report contains several inaccuracies that are reporting negatively

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