vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
I have contacted Experian about the below accounts being on my credit report and requested that they verify that the accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I sent them a letter on XX/XX/year> and I have not received a response from them. Because they have taken more than 30 days to respond to my letter these accounts should be removed from my Experian 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 2025-10-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following account : XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

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 2025-10-09 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am submitting this letter as a consumer who has carefully reviewed my credit report and discovered inaccuracies that must be corrected promptly. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I am entitled to maximum possible accuracy in credit reporting and to have disputed information reinvestigated. The account listed below contains an error that misrepresents my payment history and damages my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} These errors present a misleading picture of my creditworthiness and result in unfair damage to my credit score. I take my financial responsibilities seriously, and any record suggesting otherwise is both inaccurate and harmful.

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 2025-10-09 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: KY

Complaint narrative:
Good Morning, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter. 

Please update this late payment to paid as agreed, never late.

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 2025-10-09 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:
Good Morning, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter. 

Please update this late payment to paid as agreed, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
am filling a complaint because my creditor is reporting late payment Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S2 a furnisher must report accurate information under 15 US 1681 the credit bureaus must perform a reasonable investigation within 30 days Neither. provide sufficient evidence to support the negative 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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Multiple automated calls per day, while I'm at work. 

Robo calls, at least twice a day, every day, for the past, at least, 3 months. 

I answer the call, and they immediately hang up, if I don't answer the call, the robot fills my voicemail box in just a few days.

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 2025-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing inaccurate and unverifiable reporting from multiple auto lenders and furnishers. 

The following accounts continue to appear on my credit reports despite being outdated, unverifiable, and inconsistently reported : XXXX XXXX XXXX reports as charged-off, closed, and unpaid at the same time ; no verified date of first delinquency or supporting documents. 
XXXX XXXX XXXX shows charge-off with a {$0.00} balance on some bureaus and settled on others ; account closed since XXXX. 
XXXX XXXX XXXX inconsistent balances and payment history across bureaus ; appears re-aged. 
XXXX XXXX XXXX listed as transferred with no successor creditor or payment history shown. 

Each furnisher and credit bureau has failed to ensure accurate reporting or verify these tradelines within 30 days of prior disputes. The accounts violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681c ( a ) ( 4 ) ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ).

These inaccurate reports are harming my credit profile and misrepresenting my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Incorrect and Inconsistent Reporting Between Experian and Equifax Dear CFPB, Im reaching out because theres inaccurate and inconsistent information being reported on my credit by both Experian and Equifax for the same account ( partial account number XXXXXXXX XXXX ). 

The two credit bureaus are reporting completely different details for the same account. For example, the original balance, credit limit, last payment date, and even the date opened dont match. Heres a quick summary of what Im seeing Information Experian Equifax Current Balance {$2400.00} {$2400.00} Original Balance {$0.00} {$2000.00} Credit Limit {$2000.00} {$0.00} Last Payment Date XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date Reported XX/XX/XXXXXXXX XXXXXX/XX/XXXX These kinds of differences show that at least one bureau is reporting wrong information. Under the Fair Credit Reporting Act ( FCRA ), both bureaus are supposed to ensure maximum possible accuracy ( 1681e ( b ) ) and are required to properly reinvestigate any dispute within 30 days ( 1681i ( a ) ( 1 ) ( A ) ). 

Ive tried to resolve this, but the reports still dont match. Im asking the CFPB to step in and make sure both credit bureaus : 1. Fully reinvestigate the account, 2. Verify the information directly with the creditor, and 3. block and remove anything that cant be verified.

Ive attached both reports showing the discrepancies, along with a copy of my ID and proof of address. 

Thank you for helping make sure my credit file is accurate and compliant with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Incorrect and Inconsistent Reporting Between Experian and Equifax Dear CFPB, Im reaching out because theres inaccurate and inconsistent information being reported on my credit by both Experian and Equifax for the same account ( partial account number XXXXXXXX XXXX ). 

The two credit bureaus are reporting completely different details for the same account. For example, the original balance, credit limit, last payment date, and even the date opened dont match. Heres a quick summary of what Im seeing Information Experian Equifax Current Balance {$2400.00} {$2400.00} Original Balance {$0.00} {$2000.00} Credit Limit {$2000.00} {$0.00} Last Payment Date XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date Reported XX/XX/XXXXXXXX XXXXXX/XX/XXXX These kinds of differences show that at least one bureau is reporting wrong information. Under the Fair Credit Reporting Act ( FCRA ), both bureaus are supposed to ensure maximum possible accuracy ( 1681e ( b ) ) and are required to properly reinvestigate any dispute within 30 days ( 1681i ( a ) ( 1 ) ( A ) ). 

Ive tried to resolve this, but the reports still dont match. Im asking the CFPB to step in and make sure both credit bureaus : 1. Fully reinvestigate the account, 2. Verify the information directly with the creditor, and 3. block and remove anything that cant be verified.

Ive attached both reports showing the discrepancies, along with a copy of my ID and proof of address. 

Thank you for helping make sure my credit file is accurate and compliant with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This inaccurate entry must be deleted from my credit record. I never approved or authorized it. Supporting proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
am filling a complaint because my creditor is reporting late payment Account XXXX  XXXX that are inaccurate and not properly verified I have dispute directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S2 a furnisher must report accurate information under 15 US 1681 the credit bureaus must perform a reasonable investigation within 30 days Neither. provide sufficient evidence to support the negative 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 non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am disputing several inaccurate 90-day late payment reported for XX/XX/year> on my Dept. of EducationXXXX student loan ( account all start with XXXX reporting negative on all credit b ). All previous months show on-time payments or ND ( no data ), so a 90-day late is not possible without prior 30- or 60-day late marks. 

This is a violation of FCRA 602 ( A ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require fair and accurate reporting. This negative mark has harmed my credit for years, causing denials, higher costs, and financial/emotional harm. I am requesting that this inaccurate late payment be deleted immediately and my report corrected. I've sent dispute several times and no resolution because no one took the time to truly review this violation. 

I have attached a screenshot of the payment history as evidence from one of the many accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am disputing several inaccurate 90-day late payment reported for XX/XX/year> on my Dept. of EducationXXXX student loan ( account all start with XXXX reporting negative on all credit b ). All previous months show on-time payments or ND ( no data ), so a 90-day late is not possible without prior 30- or 60-day late marks. 

This is a violation of FCRA 602 ( A ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require fair and accurate reporting. This negative mark has harmed my credit for years, causing denials, higher costs, and financial/emotional harm. I am requesting that this inaccurate late payment be deleted immediately and my report corrected. I've sent dispute several times and no resolution because no one took the time to truly review this violation. 

I have attached a screenshot of the payment history as evidence from one of the many accounts.

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding is the company. The amount they claim I owe is {$970.00}. They claim that I agreed on a payment arrangement monthly but I absolutely never spoke to these people. Even though I put a security freeze on my credit because I believe I am a victim of Fraud. This account was just updated again on XX/XX/year>. I clearly requested a written copy from them explaining how they went about verifying this debt and requested a written copy back not emailed. Not only did I never receive a written copy back explaining to me what measures they took to ensure that this debt is mine! I am well assured they can not provide this information because I know its not mine! Under 15USC 1681s-2b a furnisher of a debt has a duty to conduct a thorough investigation under federal law. All they did was claim that they did an investigation and say that the debt was legit. I specifically asked for them to send me a copy of how they came to this conclusion in writing and this goes back all the way since XXXX. My credit has been on the decline because of this fraudulent negative information and I wish to have it taken care of immediately and taken off my credit report, please! LVNV funding! Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 submitting to formally dispute certain credit inquiry appearing on my credit file that I did not authorize or initiate. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), 15 U.S.C. 1681b, a credit reporting agency may only furnish my credit report to a party that has a permissible purpose, such as my written authorization or an existing credit transaction.

I again affirm that I have no knowledge of these account, nor did I authorize, initiate, or benefit from them in any form. Given the lack of consent or involvement on my part, I have strong reason to believe these account may be the result of mixed file or mistaken identity.

Since I never applied for credit, authorized these companies to access my credit report, nor had any established business relationship with them, these inquiry violate 15 U.S.C. 1681b ( f ), which prohibits obtaining a consumer report without a permissible purpose. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-10-09 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have an affirm account an a affirm money account I had it set up taking {$40.00} a week into affirm savings would use $ to pay off online purchases or accounts an all of a sudden it got frozen this was in XX/XX/year> an I have called more then 5 times I keep getting told there going to help fix it put in work order thing an itll take couple weeks its been months an every time Im told same thing or Im going to turn this into a higher up an nothing is done I have almost {$300.00} in the account an cant use it transfer it withdraw it purchase I cant do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 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 XXXX XXXX XXXX -- {$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 explanation