vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing several inaccurate and inconsistent late payments reported by Equifax and Experian. XXXX XXXX ( Acct # XXXX ) shows different late payment histories across both bureaus, despite on-time payments, and has conflicting account closure dates ( Equifax : XX/XX/XXXX, Experian : XX/XX/XXXX ). XXXX XXXX XXXX Acct # XXXX ) appears twice with conflicting late payment histories and closure dates, including lates that I did not incur. One version says " Pays as agreed '' but still shows 30-day late payments. Equifax also lists a 30-day late for XXXX XXXX  ( Acct # XXXX ), even though it states, Pays as agreed. These are clear violations of the FCRAs requirement for accurate and consistent reporting. I am requesting all inaccurate late payments be removed and the data corrected or deleted.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE FOLLOWING ACCOUNT IS A MEDICAL ACCOUNT.THE ACCOUNT IN QUESTION IS XXXX XXXX XXXX XXXX XXXX XXXX .THIS ACCOUNT WAS USED TO PAY MY MEDICAL, DENTAL AND MEDICINE OBLIGATIONS.PER FEDERAL, THE CONSUMER FINANCIAL PROTECTION BUREAU ( REGULATION V AND SENATE BIL 5480 ) STATES THAT ALL MEDICALLY RELATED CREDIT FILES MUST BE REMOVED FROM MY CREDIT 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 explanation
Consumer complaint received 2025-05-08 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent account ( s ) on my credit report. Please remove from credit report, they are hurting my ability to obtain credit.

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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
Account Hunter Warfield # XXXX I'm unaware of this debt an did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I looked over my credit report and some accounts are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

15 USC 1681s-2 ( a ) ( b ) and 15 USC 1861i ( 5 ) ( a ) ( i ) & ( ii ) were also violated.

Any person who fails to comply and fix this matter will be liable under 15 USC 1681n, which is civil liability for willful noncompliance. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I disputed these accounts numerous times. Now I DEMAND IMMEDIATE DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted creditor/agency and requested proof of the alleged debt specifically, the original application bearing my signature. They have not been able to provide such proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: 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 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 2025-05-08 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: 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 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 2025-05-08 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: AL

Complaint narrative:
It has come to my attention that my personal information was exposed in a nationtal data breach. After viewing my credit report, I noticed some accounts that I am not familiar with. I have asked the Credit Reporting Agencies for validation of debt. However the information was not provided. Due to my information being exposed. I have submitted a FTC complaint reporting the fraudulent accounts and information. 

Please find attached a copy of my Drivers License, a copy of the XXXX report, showing my information being exposed in a national database and a Validation of debt letter.

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 2025-05-08 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-05-08 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: NY

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX * * * * Balance : {$2400.00} XXXXXXXX XXXX  XXXX * * * * Balance : {$7200.00} XXXX XXXXXXXX * * * * Balance : {$1700.00} XXXX XXXX * * * * Balance : {$1200.00} XXXX XXXXXXXX XXXX * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$3100.00} XXXX XXXXXXXX * * * * Balance : {$3800.00} XXXX XXXX XXXX * * * Balance : {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian has failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding a recent dispute filed by a customer against my business. Despite submitting clear and sufficient documentation demonstrating that the transaction was non-refundable, including the customers signed agreement to my Terms & Conditions, Visa ( or your issuing bank ) has unfortunately ruled in the customers favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
Experian, Equifax, and Transunion were notified that the following accounts are reporting inaccurate, or fraudulently : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name MOHELA/NAVIENT Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX BANK Account name XXXX XXXX XXXX  Account number XXXX Original XXXX XXXX XXXX BANK XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX By reporting these accounts they are in violation of Right to Privacy Act 15-USC 6801 . And by failing to properly validate the information they are reporting inaccurate information which violates law of FCRA ( Fair Credit Reporting Act ).

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 2025-05-08 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: AZ

Complaint narrative:
Experian, Equifax, and Transunion were notified that the following accounts are reporting inaccurate, or fraudulently : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name MOHELA/NAVIENT Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX BANK Account name XXXX XXXX XXXX  Account number XXXX Original XXXX XXXX XXXX BANK XXXX XXXX. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX By reporting these accounts they are in violation of Right to Privacy Act 15-USC 6801 . And by failing to properly validate the information they are reporting inaccurate information which violates law of FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I am disputing several inaccurate and inconsistent late payments reported by Equifax and Experian. XXXX XXXX ( Acct # XXXX ) shows different late payment histories across both bureaus, despite on-time payments, and has conflicting account closure dates ( Equifax : XX/XX/XXXX, Experian : XX/XX/XXXX ). XXXX XXXX XXXX Acct # XXXX ) appears twice with conflicting late payment histories and closure dates, including lates that I did not incur. One version says " Pays as agreed '' but still shows 30-day late payments. Equifax also lists a 30-day late for XXXX XXXX  ( Acct # XXXX ), even though it states, Pays as agreed. These are clear violations of the FCRAs requirement for accurate and consistent reporting. I am requesting all inaccurate late payments be removed and the data corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Missed Payment Account with XXXX XXXX XXXX  Dear TransUnion, I am writing to formally dispute an entry on my credit report regarding a missed payment associated with my account at XXXX XXXX XXXX. According to my records, this payment history is inaccurate and does not reflect my actual payment behavior. 

Under the Fair Credit Reporting Act ( FCRA ) and specifically referencing Section 1666b, I am requesting that you investigate this matter promptly. The account in question is as follows : - * * Account Name : * * XXXX XXXX XXXX  - * * Account Number : * * XXXX - * * Balance : * * {$4500.00} - * * Date of Missed Payment : * * XX/XX/XXXX I have always made my payments on time, and I believe this entry is a result of an error. I have attached supporting documentation to substantiate my claim, including payment records and correspondence with the creditor. 

Please send proof that his information was mailed or delivered 21 days before the due date. 

Please conduct a thorough investigation into this matter and correct the inaccuracies as soon as possible. I appreciate your attention to this urgent issue and look forward to your prompt response. 

Thank you for your cooperation. 

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