vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 2025-09-19 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: NY

Complaint narrative:
Address listed is incorrect and not mine. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Address listed is incorrect and not mine. 

XXXX XXXX XXXX XXXX XXXX, VA 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Experian marked my Veros Credit tradeline verified and updated, but the update only added a co-signer name and refreshed the balance date. The core errors remain : it reports charged off and past due simultaneously, and the dates conflict ( charge-off XX/XX/year> vs. last payment XX/XX/year> ). Im requesting correction or deletion if they cant document accuracy. 

I am submitting a new complaint with new evidence regarding my Veros Credit tradeline. XXXX  stated the account was verified and updated, yet the update did not address the inaccuracies I raised. 

Ongoing inaccuracies ( unchanged ) : Double reporting : The account is reported as charged off ( {$4500.00} written off ) while also showing {$1100.00} past due. After charge-off, a past due field should not remainthis is duplicative/negative double reporting. 
Date conflict : XXXX  shows the status/charge-off date as XX/XX/year> but also lists a last payment of XX/XX/year>. Both can not be true. 
Cosigner note doesnt cure accuracy : The only change was adding Signer with XXXX XXXX XXXX and refreshing the balance-updated date. The core errors remain. 

Co-signer validation : I was a co-signer. I recall signing only one document and was not on insurance or other forms. The vehicle was repossessed. I request validation of my liability : the original signed retail installment contract ( with my signature ), any assignment to XXXX, complete payment history, pre- and post-repo notices, sale/auction documentation, and deficiency calculation.

FCRA violations : Experian and XXXX  have not ensured maximum possible accuracy ( FCRA 607 ( b ) ), and the investigation did not reasonably address the contradictions ( FCRA 611 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 submitting this complaint regarding inaccurate reporting of my XXXX  XXXX accounts on my credit report. Both accounts are being reported in a manner that does not accurately reflect my payment history or the true status of these accounts. The reporting is incomplete and misleading, resulting in an unfair negative impact on my credit profile.The balances listed may not reflect my payments or the current status of the accounts.The reporting lacks proper verification and may not comply with accurate credit reporting standards.These inaccuracies misrepresent my creditworthiness and could unfairly influence lending decisions. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of my XXXX  XXXX accounts on my credit report. Both accounts are being reported in a manner that does not accurately reflect my payment history or the true status of these accounts. The reporting is incomplete and misleading, resulting in an unfair negative impact on my credit profile.The balances listed may not reflect my payments or the current status of the accounts.The reporting lacks proper verification and may not comply with accurate credit reporting standards.These inaccuracies misrepresent my creditworthiness and could unfairly influence lending decisions. 
FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i : Grants the right to dispute inaccurate or incomplete information, requiring a full reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know 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 2025-09-19 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:
I am writing to formally dispute inaccurate late payment information that is being reported on my TransUnion credit file. Below are the details of the account in question : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance Owed : {$2500.00} Credit Limit : {$2600.00} Your records indicate late payments ( 30 and 60 days past due ) being reported for this account. I dispute this information as inaccurate and misleading for the following reasons : 1. Inconsistency Across Bureaus - TransUnion lists late payments, while XXXX  and XXXX  report contradictory or inconsistent payment statuses. This discrepancy violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

2. Account Status - The creditor remarks indicate that the account is open and being paid as agreed, which conflicts with the late payment reporting.

3. Consumer Harm - These false late payment notations have damaged my creditworthiness and are not reflective of my true payment history.

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 2025-09-19 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding ongoing inaccuracies, inconsistencies, and unverifiable information reported on my credit files maintained by Experian, Equifax, and TransUnion, which continue to negatively impact my credit standing despite my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Close Account, Balance {$0.00}, Opened XX/XX/XXXX ) XXXX XXXX  Experian : Shows late notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) .Equifax : Shows the same account with inconsistent late notations ( XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ) .TransUnion : Same account, again with inconsistent XXXX and XX/XX/XXXX late notations.These discrepancies violate FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 15 U.S.C. 1666, which require accurate and consistent reporting of credit information.I C System Collection Account ( Original Creditor : XXXX XXXX, Balance {$830.00} ) Appears on Experian and TransUnion but not Equifax, making it unverifiable.Must be deleted under FCRA 623 ( a ) ( 1 ) ( A ), 611, and 605B.Incorrect AddressesExperian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXTransUnion : XXXX XXXX, XXXX TN XXXX ( current correct address is XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX These violate FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ) and must be corrected or deleted.TransUnion : Name incorrectly reported as XXXX XXXX instead of XXXX XXXX XXXX XXXX.Unauthorized InquiriesEquifax : Leaders XXXX  on XXXX : XXXX on XX/XX/XXXX and XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), 611, and 609 ( a ) ( 1 ), these inquiries are unauthorized and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding ongoing inaccuracies, inconsistencies, and unverifiable information reported on my credit files maintained by Experian, Equifax, and TransUnion, which continue to negatively impact my credit standing despite my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Close Account, Balance {$0.00}, Opened XX/XX/XXXX ) XXXX XXXX  Experian : Shows late notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) .Equifax : Shows the same account with inconsistent late notations ( XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ) .TransUnion : Same account, again with inconsistent XXXX and XX/XX/XXXX late notations.These discrepancies violate FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 15 U.S.C. 1666, which require accurate and consistent reporting of credit information.I C System Collection Account ( Original Creditor : XXXX XXXX, Balance {$830.00} ) Appears on Experian and TransUnion but not Equifax, making it unverifiable.Must be deleted under FCRA 623 ( a ) ( 1 ) ( A ), 611, and 605B.Incorrect AddressesExperian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXTransUnion : XXXX XXXX, XXXX TN XXXX ( current correct address is XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX These violate FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ) and must be corrected or deleted.TransUnion : Name incorrectly reported as XXXX XXXX instead of XXXX XXXX XXXX XXXX.Unauthorized InquiriesEquifax : Leaders XXXX  on XXXX : XXXX on XX/XX/XXXX and XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), 611, and 609 ( a ) ( 1 ), these inquiries are unauthorized and must be 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 2025-09-19 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: DC

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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:
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. 

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 XXXXXX/XX/XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXI previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results \nof that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. XXXXThese continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial \nresponsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 \net seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be \nthoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.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 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal says I owe XXXX when online it shows I owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
" XXXX XXXX account shows rolling charge offs, balance and past due both XXXX, closed date XX/XX/year> with balance active XX/XX/year>, payment grid re aged, violates XXXX XXXX and FCRA see attached documents

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 2025-09-19 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: AR

Complaint narrative:
My credit report contains negative information that is more than seven years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
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 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 2025-09-19 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: AR

Complaint narrative:
My credit report contains negative information that is more than seven years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
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 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 explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-09-19 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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