vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payment information on two open accounts listed in my credit file. Upon review of my report, I have identified late payment notations associated with the following accounts that I believe to be inaccurate or unverifiable. These entries negatively impact my credit standing and may constitute violations under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXXXXXX with late date XX/XX/year>, This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: VA

Complaint narrative:
So I have a mysterious debt to a school in a state that never lived or been to .. some one used my information and created some type of student loan for {$6500.00} on XX/XX/year> I never attended such schools or took out a student loan .. this is affecting my credit and finances.. I have disputed many times but it still wont leave off I have reported to ftc as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed that XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) * * is listed with a {$0.00} balance, yet it appears on my report in a way that is inaccurate and negatively affecting my credit profile. This account should not appear as a negative item since the balance is XXXX, and its reporting is misleading to potential lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Telephone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion for Inaccurate Reporting, Failure to Reinvestigate, and Violation of FCRA I am filing this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit file, despite my proper disputes and documentation. I obtained my credit report through XXXX and identified multiple errors in both personal information and account reporting. 

Disputed Information Incorrect Personal Information : Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Employers : XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis of Complaint The bureaus have violated the Fair Credit Reporting Act by : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failing to provide the method of verification.

These items are either inaccurate or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), they must be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$740.00} Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$3700.00} Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX with late date XX/XX/year>, This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UHG, LLC
State: NC

Complaint narrative:
Both complaints concern XXXX and UHG I LLC and their continued false, unverifiable reporting on my credit reports. 

Key Facts & Timeline : On XX/XX/XXXXXXXX XXXX reported in writing that my account was sold to UHG I LLC. 

I sent certified letters to both XXXX and UHG I LLC requesting validation of the alleged debt, as required under FDCPA 809 ( b ) ; 15 U.S.C. 1692g ( b ). 

XXXX responded by confirming the sale. 

UHG I LLC never provided any validation. 

Despite this, UHG I LLC continued to report the debt under XXXX name across all three credit bureaus XXXX XXXX XXXX XXXX XXXX. This is inaccurate, misleading, and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

UHG I LLC also hired XXXX XXXX XXXX XXXX ( XXXX ) to collect the debt after the statute of limitations expired. 

I disputed directly with XXXX, and they subsequently removed their reporting. 

In response to my first CFPB complaint ( XXXX ), UHG I LLC stated on XX/XX/XXXX that : The account was closed, Recalled from XXXX, And no longer reporting. 
However, this response was false and misleading, because both XXXX and UHG I LLC remain on all three credit reports as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 am a victim of identity theft. While i was out of town someone burglarized my home and stole my social security car and birth certificate and obtained a drivers license. They purchased a car and credit card and loans in my name.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Dear CFPB, I am filing this complaint against several furnishers and XXXX for failing to ensure accurate and lawful credit reporting under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX reporting standards. These violations have resulted in inaccurate negative information appearing on my credit report, harming my financial standing. 

Summary of issues : - XXXX XXXX XXXX ( XXXX XXXX XXXX, {$1600.00} ) - LVNV Funding LLC 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 Closed charge card with incomplete status ) Additional concerns include inconsistent reporting across several self-reported tradelines, and possible unauthorized hard inquiries. 

Requested Action : 1. Conduct a full investigation into the accuracy and compliance of the above tradelines. 
2. Enforce corrections or deletions of any unverifiable, incomplete, or misleading accounts.

3. Hold furnishers and XXXX accountable for failure to comply with FCRA, FDCPA, and XXXX XXXX standards. 

I have attached a copy of my XXXX report ( dated XX/XX/scrub>XXXX XXXX XXXX highlighting the discrepancies. Please provide written notice of actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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 2025-09-04 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 recently reviewed my credit report and noticed that XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) * * is listed with a {$0.00} balance, yet it appears on my report in a way that is inaccurate and negatively affecting my credit profile. This account should not appear as a negative item since the balance is XXXX, and its reporting is misleading to potential lenders.

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 2025-09-04 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed a incorrect inaccuracies and unauthorized account/information reporting to my credit report. This remark has been detrimental to my life and credit health.

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 2025-09-04 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed a incorrect inaccuracies and unauthorized account/information reporting to my credit report. This remark has been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing an alleged debt in the amount of {$770.00} being collected by Caine & Weiner ( XXXX File # XXXX ) on behalf of XXXX XXXX XXXX XXXX Co. 

This balance arises from an insurance policy renewal that I never authorized, accepted, or approved. I formally requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Texas Debt Collection Act ( TDCA ). 

I sent written notices disputing the debt and requesting validation on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Third Notice, via Certified Mail ) Despite these three notices, Caine & Weiner only responded with : 1. A XXXX XXXX XXXX, and 2. Their own internal collection letter. 

They have failed to provide : Any itemized accounting of the charges, or Any signed agreement or proof of consent from me showing I agreed to the renewal. 

Despite lacking proper validation, they reported this balance as a derogatory mark on my credit, which is causing harm to my creditworthiness. 

This constitutes a violation of federal and Texas law because the debt is disputed and has not been validated. 

I request that regulators : Order Caine & Weiner to cease collection activity, Require immediate removal of the derogatory entry from all credit bureaus, and Investigate their debt collection practices for compliance violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: WI

Complaint narrative:
I reviewed my credit report and discovered several accounts that I did not open, authorize, or have any involvement with. These accounts were fraudulently created using my personal information without my knowledge or consent. As a victim of identity theft, I submitted a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), along with the required documentation, including a copy of my government-issued ID, proof of address, and a valid FTC Report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} Despite fulfilling all the requirements under 605B, the fraudulent accounts have not been blocked or removed from my credit file. These accounts continue to negatively impact my credit standing, despite my lawful request and supporting evidence.

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 2025-09-04 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:
CRA is listing accounts that are inaccurate and unverifiable. company has caused me personal and professional harm by not properly reporting 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 2025-09-04 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: GA

Complaint narrative:
CRA is listing accounts that are inaccurate and unverifiable. company has caused me personal and professional harm by not properly reporting 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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