vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XXXX XXXX XXXX  has reported inaccurate and misleading information on my credit file regarding my first-ever credit card account, which has caused significant and unfair damage to my credit profile. Between early XXXX  and XXXX, they reported multiple months as having " {$0.00} paid '' despite clear balance changes that indicate payments or account activity. These false {$0.00} paid entries were listed while balances moved from {$360.00} up to over {$750.00} which is factually impossible without activity. 

Additionally, they retroactively reported all payments as occurring on a single date ( XX/XX/year> ), covering months of past transactions. This backdating makes the payment timeline unverifiable and misleading. 

Despite these payments and balance changes, they marked the account as XXXX, XXXX, XXXX, XXXX, and XXXX  days late all while my balance was moving, which contradicts the delinquency timeline. They also allowed my account to exceed its credit limit by more than 58 %, stacking interest and fees on top, creating a cycle of debt. 

This combination of false payment records, delayed posting, and aggressive fee-based reporting reflects predatory and unfair practices that violate the Fair Credit Reporting Act ( FCRA ). I attempted to manage the account and made multiple payments, yet the record was presented in a way that makes it appear abandoned or unpaid.

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 2025-07-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-01 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unverified Late Payments Reported by XXXX  XXXX Violation of 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute late payment entries being reported on my Experian credit file by XXXX XXXX XXXX  ( XXXX ), XXXX. These late payments are listed under the following account : Creditor : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Number : XXXX Date ( XXXX ) of Alleged Late Payments : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX According to 15 U.S. Code 1666b, under the Truth in Lending Act ( TILA ) : A creditor shall credit a payment to the consumers account as of the date of receipt. 

I assert that my payments to XXXX XXXX were made on time and should have been credited as of the date received, as required by law. Reporting these payments as late without verifying the actual date of receipt and posting constitutes inaccurate reporting under both the TILA and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

Therefore, I am demanding that Experian : XXXX. Conduct a full investigation into these reported late payments. 
XXXX. Require XXXX XXXX to provide documented proof of the exact dates my payments were received and credited. 
XXXX. Delete or correct any inaccurate or unverifiable late payments from my credit report in accordance with federal law. 

Failure to ensure the accuracy of my credit file violates the FCRAs requirement that consumer reporting agencies maintain maximum possible accuracy of the information they report. 

Please consider this letter as a formal dispute under the FCRA. I expect a full response and resolution of this matter within the XXXX timeframe required by law. 
Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I originally submitted a certified dispute to TransUnion which was delivered and signed for on XX/XX/year>, per XXXX tracking confirmation. However, TransUnion did not mark my dispute as received or in process until XX/XX/year>, a full 30 days later. 

This is a clear delay and failure to investigate within the time frame required by the FCRA ( Fair Credit Reporting Act ). The FCRA mandates that credit bureaus must begin an investigation within 30 days of receiving a consumer dispute. TransUnions delayed status update appears to be an attempt to re-age or avoid their legal obligation. 

I am requesting that the CFPB investigate why TransUnion failed to act on the dispute once it was received. I have attached proof of XXXX delivery, and the screenshots showing TransUnion only recognized the dispute a month later. 

This complaint is about account re-aging, procedural violations under FCRA, and lack of timely reinvestigation. I am also requesting a thorough reinvestigation and a full deletion of the disputed item, as the accuracy of the tradeline has not been properly verified. 

Additionally, this same account is NOT reporting on my XXXX  report, which calls into question the consistency of their verification methods. 

I am prepared to escalate this to the Federal Trade Commission ( FTC ) and my XXXX  XXXX  XXXX office if necessary.

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 2025-07-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I disputed outdated and inaccurate personal identifying information with [ Experian/Equifax/TransUnion ] including old addresses, phone numbers, and employment records. They failed to correct or delete the inaccurate entries in compliance with the Fair Credit Reporting Act ( FCRA ). I request CFPB assistance in resolving this issue.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed outdated and inaccurate personal identifying information with [ Experian/Equifax/TransUnion ] including old addresses, phone numbers, and employment records. They failed to correct or delete the inaccurate entries in compliance with the Fair Credit Reporting Act ( FCRA ). I request CFPB assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for reporting inaccurate and unverified accounts on my credit report which I fully dispute. Despite my rights under federal consumer protection laws, Equifax has failed to fulfill their legal obligations to ensure maximum possible accuracy and conduct proper reinvestigation. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2025 Balance : {$650.00} Late Payment * * This account is inaccurately reporting late payments. I have not received any documentation or billing history validating this alleged debt. Equifax failed to ensure the accuracy of this information and did not provide proper investigation after my dispute. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( failure to reinvestigate ), 1681e ( b ) ( failure to maintain accurate records ), and 1681s-2 ( b ) ( furnisher obligations after dispute ). 
XXXX. ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2025 Balance : {$840.00} Collection * * I dispute this collection account as it is being reported without proper validation. I was not notified about this debt, nor was I given the chance to verify or dispute it before it was added to my credit report. Equifax failed to ensure the debt collector complied with 15 U.S.C. 1692g of the FDCPA and 15 U.S.C. 1681e ( b ), 1681i of the FCRA. No proper reinvestigation was performed, and my rights were ignored. 
My Story : I have taken steps to dispute these accounts directly with Equifax, requesting that they conduct a lawful reinvestigation and validate the debts in accordance with federal law. However, Equifax has continued to report these accounts without verifying them with credible documentation. As a result, I am suffering harm to my credit reputation and financial opportunities. This is a clear violation of my consumer rights. 
I respectfully request the Consumer Financial Protection Bureau to take immediate action and require Equifax to remove these inaccurate and unverifiable accounts from my credit file. Equifax must be held accountable for their failure to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
in accordance with the fair credit reporting act Equifax has violated my rights by reporting US bank on my credit report. 15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instructions. I have informed the credit bureaus to remove this but I keep getting a generic letter. I demand a proper investigation or I will take legal action. I have disputed this and their response was it was not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
I am requesting that the credit reporting company and/or the data furnisher conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and remove any information that is inaccurate, outdated, or can not be fully verified.

Specifically, I am asking for the deletion of all accounts that are : Reporting incorrect balances, payment history, or statuses Not validated in response to my mailed disputes Associated with collection agencies that failed to provide legal proof of debt Additionally, because I was denied online access to file my dispute, I am requesting that my online account access be restored immediately so I can monitor my credit report and exercise my rights. 

I am in the process of applying for a mortgage, so I respectfully request urgent processing of this matter and written confirmation of all corrections or deletions.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX called and informed me that an account was opened in my name in XXXX. I confirmed that it wasnt me that opened the account. They said someone tried to cash a check from Truist Bank. I called Truist and they confirmed there were account ( s ) in my name and they filed a Fraud Report on my behalf. This is the second time this has happened to me this year. Back in XXXX, someone opened accounts at XXXX and XXXX in XXXX. I live in XXXX XXXX. The two accounts showed up on my credit report as $ XXXX overdrawn account. I reported them as fraud and they were later removed, maybe in XXXX? 
The problem i am currently having is getting the necessary paperwork from Truist and XXXX Fed in order to file a police report with the XXXX XXXX XXXX police department. ( I tried filing with the XXXX Police Department and they wouldnt, they told me to file locally with XXXX XXXX, where I live. ) Neither Truist or XXXX Fed is willing to provide me with any documentation saying that the accounts have been closed or are under investigation. Truist said it is because i can not " authenticate '' myself, which is obvious because the account is fraudulent.

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 2025-07-01 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have 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 explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within XXXX  days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these 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 2025-07-01 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am requesting that the credit reporting company and/or the data furnisher conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ) and remove any information that is inaccurate, outdated, or can not be fully verified. 

Specifically, I am asking for the deletion of all accounts that are : Reporting incorrect balances, payment history, or statuses Not validated in response to my mailed disputes Associated with collection agencies that failed to provide legal proof of debt Additionally, because I was denied online access to file my dispute, I am requesting that my online account access be restored immediately so I can monitor my credit report and exercise my rights. 

I am in the process of applying for a mortgage, so I respectfully request urgent processing of this matter and written confirmation of all corrections or deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My account is showing on the credit report delinquent and derogatory remarks. I would like that to be updated and reflect my current status with credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company : Experian Category : Incorrect information on your report What Happened : I am reporting inaccurate information being reported on my Experian credit file by XXXX XXXX XXXX XXXX a balance of {$1500.00} for XXXX XXXX  XXXX. This account was added without my consent or proper documentation. I believe it may be a result of identity compromise, especially in light of Experians reported data breach. The account includes conflicting notations ( such as affected by unemployment ) but is still listed as derogatory and unpaid. I previously disputed this item directly with Experian. However, Experian failed to provide any meaningful investigation or verification. I received no documentation proving I opened or authorized this debt. 

Under the FCRA, I request that the CFPB require Experian to provide verification or delete this item 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