vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATIONXXXX XXXX XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-18 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: AL

Complaint narrative:
XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 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

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am filing a complaint about an unfair and disproportionate late payment reporting by my credit card company. 

The original amount owed was only {$7.00}. After I missed the payment, the company added fees that increased the balance to more than double the original amount. I ultimately paid the full balance approximately 60 days after the due date. 

Even though the initial amount was extremely small and the account is now fully paid, the creditor reported this as a serious late payment, resulting in a XXXX drop in my credit score. I believe this reporting is unfair, disproportionate, and not consistent with the principles of fair credit reporting. 

My concerns include : Trivial Original Balance : A negative credit report for an original balance of only {$7.00} does not reasonably reflect my credit risk. Such a small initial balance should not trigger a penalty severe enough to drop my credit score by XXXX points. 

Inflated Balance Through Fees : The creditor more than doubled the balance through fees. The majority of the amount I ended up paying was not the original charge, but the fees added afterward. This feels punitive and does not align with fair consumer treatment. 

Disproportionate Credit Harm : The negative report on such a trivial balance has caused significant damage to my credit profile. This level of harm for a {$7.00} oversight is excessive and does not reasonably communicate my overall credit behavior or payment history. 

Fair Credit Reporting Act ( FCRA ) Concerns : Under the FCRA, information furnished to credit bureaus must be accurate, fair, and not misleading. Reporting a serious delinquency for a {$7.00} original balanceespecially one later paidcreates a misleading impression about my credit reliability. 

Requested Resolution : I respectfully request that the CFPB review the creditors handling of this case. I ask that the creditor : Reevaluate the fairness and proportionality of reporting such a trivial balance as a major delinquency Remove the late payment entry from all credit bureaus as a goodwill or corrective action Review their fee and reporting practices to ensure small-balance delinquencies do not cause unjustified consumer harm I have maintained a responsible payment history overall, and I believe this single, minor oversight should not create such substantial and lasting damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Equifax. The account listed as XXXX XXXX ( Account # XXXX ) is being reported as a paid collection, but this is incorrect. 

I previously reached a pay-for-delete agreement with the debt collector for this account. The agreement stated that after payment, the collection account would be deleted from all credit bureaus. I completed the payment as agreed. 

I contacted XXXX XXXX directly, and they informed me that they no longer have this account in their system and can not validate or verify it, which confirms that the account should not be reporting. 

Despite this, Equifax continues to report the account as a paid collection, which is inaccurate, misleading, and causing harm to my credit profile. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies be accurate and verifiable. 

I am requesting that the CFPB require Equifax to : Delete the XXXX XXXX  collection account from my credit report immediately, Provide confirmation of the deletion, Ensure no further reporting of this account since the data furnisher can not validate or verify it and a pay-for-delete agreement was made. 

I have included all available documentation and request a full investigation.

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 2025-11-18 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 am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX Date of Charge-Off : XX/XX/year> Creditor Name : XXXX  XXXX Account Number : XXXX XXXX Date of Charge-Off : XX/XX/year> Creditor Name : XXXX Account Number : XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX Date of Charge-Off : XX/XX/year> Creditor Name : XXXX  XXXX Account Number : XXXX XXXX Date of Charge-Off : XX/XX/year> Creditor Name : XXXX Account Number : XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter

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 2025-11-18 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: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an unrecognized collection account that has appeared on my credit report. I have no knowledge of this debt and I do not believe it is valid. 
I was surprised to discover that XXXX XXXX XXXX is reporting a collection account in my name. I do not recognize this debt and have not been contacted by XXXX XXXX XXXX or any other entity about this outstanding balance. I have not received any communication from them or any other creditor regarding this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that XXXX XXXX XXXX provide verification of the debt. This should include proof of the original creditor, the amount owed, and any documentation supporting the validity of this debt. Since I do not recognize this debt, I believe it XXXX have been reported in error or could be the result of identity theft or some other mistake. 

I ask that you please investigate this matter and remove this collection account from my credit report if it can not be properly verified. This entry is negatively affecting my XXXX score and financial standing, and I am requesting its immediate resolution. 

Thank you for your prompt attention to this issue. I look forward to hearing from you regarding the status of this complaint.

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 2025-11-18 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: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an unrecognized collection account that has appeared on my credit report. I have no knowledge of this debt and I do not believe it is valid. 
I was surprised to discover that XXXX XXXX XXXX is reporting a collection account in my name. I do not recognize this debt and have not been contacted by XXXX XXXX XXXX or any other entity about this outstanding balance. I have not received any communication from them or any other creditor regarding this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that XXXX XXXX XXXX provide verification of the debt. This should include proof of the original creditor, the amount owed, and any documentation supporting the validity of this debt. Since I do not recognize this debt, I believe it XXXX have been reported in error or could be the result of identity theft or some other mistake. 

I ask that you please investigate this matter and remove this collection account from my credit report if it can not be properly verified. This entry is negatively affecting my XXXX score and financial standing, and I am requesting its immediate resolution. 

Thank you for your prompt attention to this issue. I look forward to hearing from you regarding the status of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} This account is being reported inaccurately, and Equifax has failed to provide proper verification or documentation. 

Inquiries ( XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquiries are being reported inaccurately, and I request their removal unless properly validated. 

Late Payments ( XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MI

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 2025-11-18 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: CA

Complaint narrative:
XX/XX/XXXXI sent a certified letter to Equifax onXX/XX/XXXX with tracking XX/XX/XXXX 16.  Per the USPS the letter was delivered on XX/XX/XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts:XX/XX/XXXX (accountXX/XX/XXXXEquifax failed to respond. I sent another letter onXX/XX/XXXX which they failed to respond to once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies 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've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-18 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: AL

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