vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$750.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$250.00} Date Updated XX/XX/XXXX High Balance {$250.00} Original Creditor XXXX XXXX NA Past Due {$250.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1500.00} Date Updated XX/XX/XXXX High Balance {$1400.00} Original Creditor XXXX XXXX XXXX  Past Due

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 2025-12-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$750.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$250.00} Date Updated XX/XX/XXXX High Balance {$250.00} Original Creditor XXXX XXXX NA Past Due {$250.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1500.00} Date Updated XX/XX/XXXX High Balance {$1400.00} Original Creditor XXXX XXXX XXXX  Past Due

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 2025-12-02 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:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX  has failed to correct inaccurate personal information and remove an unauthorized hard inquiry from my credit report, despite this being the XXXX  dispute I have submitted directly to the bureau. After XXXX separate attempts, XXXX  continues to report incorrect and unverifiable information, causing ongoing harm and demonstrating a clear pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ). 

My correct and verified personal information is as follows : Full Legal Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Employer : XXXX XXXX XXXX XXXX providing this information in XXXX previous disputes, XXXX  XXXX to maintain personal identifiers that are inaccurate, incomplete, or unverifiable. XXXX  is also reporting an unauthorized hard inquiry from : XXXX XXXX XX/XX/XXXX I did not authorize or initiate this inquiry, nor do I have any relationship with this entity. It does not meet the permissible purpose requirements under FCRA 15 U.S.C. 1681b. XXXX failure to remove this inquiry after XXXX disputes reflects a persistent disregard of its legal obligations. 

The violations committed by XXXX  include : FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681g failure to provide full and accurate disclosure FACTA identity accuracy requirements failure to block unverifiable data XXXX XXXX XXXX. XXXX unfair, deceptive, or abusive acts or practices XXXX XXXX XXXX  ( XXXX ) failure to conduct a meaningful investigation I am requesting that the CFPB require TransUnion to : Correct all inaccurate personal information Remove the unauthorized hard inquiry from XXXX XXXX Conduct a meaningful reinvestigation in full compliance with federal law Provide written confirmation of all corrections made Due to XXXX  repeated non-compliance across XXXX consecutive disputes, regulatory intervention is necessary to ensure compliance and protect my rights under 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 2025-12-02 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: MI

Complaint narrative:
In XX/XX/year>, my student loan payment with XXXX was scheduled to be drafted through AutoPay. During that month, my bank detected fraudulent activity on the debit card I had on file, and they immediately froze and replaced the card. This caused the AutoPay withdrawal to fail. 

XXXX did post a notification in my XXXX online account, but they did not send any email or external alert. Because of this, I was unaware that the AutoPay draft had failed. At the same time, my father passed away unexpectedly in XXXX, and I was not in a position to regularly log into my XXXX account or monitor every online portal. This is why I did not see the internal message they posted. 

I did not learn about the missed payment until after the delinquency was already reported. As soon as I became aware of the issue, I paid the full past-due amount the same day and brought the account current immediately. 

When I contacted XXXX to explain the situation, the representative I spoke with told me that the delinquency would be removed because the missed payment was caused by fraud, a bank-mandated card replacement, and the AutoPay failure was outside my control. XXXX  records all customer calls, and the recording will confirm this commitment. 

Despite these facts, XXXX continues to report a 90-day delinquency, and they have stated they " can not remove anything because it is past 90 days, '' which is not correct under the Fair Credit Reporting Act. Furnishers must ensure that all information reported is accurate, complete, and not misleading, regardless of the number of days delinquent. 

This delinquency is not an accurate reflection of my payment behavior. It resulted from fraud, a frozen card, lack of external notification, and my inability to see the internal message during a family emergency. I resolved the issue immediately once aware. I am requesting the CFPBs assistance in having this inaccurately reported delinquency removed.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent via certified mail a letter on XX/XX/year> indicating I was writing to dispute this debt of {$430.00} and requested verification as required by the FDCPA. Also asked for info about their authority to collect the debt. I received their reply dated XX/XX/year>. The balance they provided showed only a balance carried forward and I asked for a complete itemized breakdown of the entire debt including all original charges, payments, interest and fees. A balance carried forward is insufficient and I dispute the validity of this debt because a detailed accounting has not been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
As a consumer, I am requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), please verify all information and remove any item that can not be fully validated. 
Charged Off Accounts : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$970.00} XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$150.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late 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 2025-12-02 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MS

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 2025-12-02 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 youhave 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 30 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.

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 2025-12-02 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-02 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: VA

Complaint narrative:
I am filing this complaint because Equifax is reporting several charged-off accounts, inquiries, and late payments that I believe are inaccurate or not properly verified. I have attempted to dispute these items directly with Equifax, but the results have not resolved the issues. 
Charged-Off I am requesting proper verification or removal of the following accounts : XXXX XXXX XXXX Acct ending XXXX Reported XX/XX/XXXX {$0.00} XXXX  Acct XXXX XXXX Reported XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$610.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX Acct ending XXXX Reported XX/XX/XXXX {$2000.00} XXXX Acct ending XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX {$7.00} XXXX XXXX  Acct ending XXXX XXXX XX/XX/XXXX {$3600.00} Some of these accounts have inconsistent dates, balances, or ownership when compared with other bureaus. I am asking for full validation or deletion of any items that can not be verified. 

Inquiries ( Disputed ) XXXX  XX/XX/XXXX I do not recognize this inquiry. I am requesting verification or removal. 

Late Payments ( Disputed ) XXXX XXXX  Acct ending XXXX XXXX  Acct ending XXXX These late payments do not match my records. 

REQUEST : Please require Equifax to conduct a complete reinvestigation and correct or remove any information that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

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