vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TN

Complaint narrative:
I am filing this complaint because the information listed below is being reported inaccurately by the credit bureaus. I am requesting that the Consumer Financial Protection Bureau assist in having these items investigated and corrected or removed in accordance with the Fair Credit Reporting Act. I am simply asking for fair, accurate, and verified reporting.

1. Charged-Off / Collection Accounts in Dispute These accounts are reporting inaccurately or without proper validation. I request full investigation : XXXX  Acct : XXXX XX/XX/XXXX {$1100.00} XXXX XXXX Acct : XXXX XX/XX/XXXX {$9700.00} XXXX Acct : XXXX XX/XX/XXXX {$550.00} Bankruptcy File : XXXX XX/XX/XXXX {$0.00} Some accounts contain conflicting information compared to other bureaus or are outdated. 

2. Hard Inquiries in Dispute These inquiries were not authorized or were excessively pulled : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I request permissible-purpose documentation or removal. 

3. Late Payments in Dispute The following late payments are inaccurate or unverified : XXXX  XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX I request TransUnion verify and correct or remove these entries.

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 2025-12-01 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: TX

Complaint narrative:
I am disputing the following items on my TransUnion credit report because they may contain inaccurate or unverifiable information. I request that TransUnion conduct a full investigation under the FCRA. 

CHARGED OFF ( No charged-off accounts listed for TransUnion ) INQUIRIES XXXX XXXX, XX/XX/year> XXXX, XX/XX/year> Please verify the purpose of these inquiries or remove them if they were unauthorized. 

LATE PAYMENT XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Please verify the accuracy of this late payment and correct it if it is incorrectly reported.

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 2025-12-01 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-01 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-01 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: Experian Information Solutions Inc.
State: NC

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 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 2025-12-01 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The creditor has violated my consumer rights and is reporting inaccurate and unverifiable information. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

I have shown numerous PROOF that the creditor has violated the FCRA guidelines stated above. The creditor never showed PROOF of what was submitted to E- OSCAR for all three credit bureaus. I spoke to E-oscar customer service and was informed that the creditor has the documentation showing what was reported to the CRA.The creditor stated that they can not help how things show on the CRA, however that is incorrect information because the CRA only can report what is provided to them from the original creditor. The creditor is refusing to show valid documentation of what was reported to the credit agencies! Therefore this makes the investigation inaccurate and non-verifiable! Therefore the account must be DELETED! 

The CRA 's are not thoroughly doing a investigation, they are simply using a automatic system in which does not actually identify the actual errors and FCRA violations that the company has conducted. 
The creditor reported the account CLOSED on XX/XX/XXXX XXXX XXXX XXXX On XXXX, Equifax and XXXX  it shows the account was active, current and OPEN as XX/XX/XXXX. -see attached document. 
This is a FCRA violation due to reporting inaccurate information.

The first date of XXXX  is inaccurate and unverifiable information. The first date of delq shows XX/XX/XXXX, however on Equifax it shows the account is current on the payment history. However on XXXX  and XXXX  it shows the account is 30 days past due on XX/XX/XXXX -- see attached document. These are more inaccuracies. 
The date of last activity is also inaccurate across all three reports. 
XXXX  shows XX/XX/XXXX. Equifax shows NO DATA. -- this is a FCRA violation -see attached document. 

On XXXX  it shows that NO data was reported from the creditor from XXXX XX/XX/XXXX. Then it reports the account as charge off status on XX/XX/XXXX and back to no data for XX/XX/XXXX. This is more inaccuracies and unverifiable information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The creditor has violated my consumer rights and is reporting inaccurate and unverifiable information. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

I have shown numerous PROOF that the creditor has violated the FCRA guidelines stated above. The creditor never showed PROOF of what was submitted to E- OSCAR for all three credit bureaus. I spoke to E-oscar customer service and was informed that the creditor has the documentation showing what was reported to the CRA.The creditor stated that they can not help how things show on the CRA, however that is incorrect information because the CRA only can report what is provided to them from the original creditor. The creditor is refusing to show valid documentation of what was reported to the credit agencies! Therefore this makes the investigation inaccurate and non-verifiable! Therefore the account must be DELETED! 

The CRA 's are not thoroughly doing a investigation, they are simply using a automatic system in which does not actually identify the actual errors and FCRA violations that the company has conducted. 
The creditor reported the account CLOSED on XX/XX/XXXX XXXX XXXX XXXX On XXXX, XXXX  and Experian it shows the account was active, current and XXXX as XX/XX/XXXX. -see attached document. 
This is a FCRA violation due to reporting inaccurate information. 
The first date of XXXX is inaccurate and unverifiable information. The first date of delq shows XX/XX/XXXX, however on XXXX  it shows the account is current on the payment history. However on XXXX  and Experian it shows the account is 30 days past due on XX/XX/XXXX -- see attached document. These are more inaccuracies. 
The date of last activity is also inaccurate across all three reports. 
XXXX  shows XX/XX/XXXX. XXXX  shows NO XXXX. -- this is a FCRA violation -see attached document. 

On Experian it shows that NO data was reported from the creditor from XXXX XX/XX/XXXX. Then it reports the account as charge off status on XX/XX/XXXX and back to no data for XX/XX/XXXX. This is more inaccuracies and unverifiable information!

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The creditor has violated my consumer rights and is reporting inaccurate and unverifiable information. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

I have shown numerous PROOF that the creditor has violated the FCRA guidelines stated above. The creditor never showed PROOF of what was submitted to E- OSCAR for all three credit bureaus. I spoke to E-oscar customer service and was informed that the creditor has the documentation showing what was reported to the CRA.The creditor stated that they can not help how things show on the CRA, however that is incorrect information because the CRA only can report what is provided to them from the original creditor. The creditor is refusing to show valid documentation of what was reported to the credit agencies! Therefore this makes the investigation inaccurate and non-verifiable! Therefore the account must be DELETED! 

The CRA 's are not thoroughly doing a investigation, they are simply using a automatic system in which does not actually identify the actual errors and FCRA violations that the company has conducted. 
The creditor reported the account CLOSED on XX/XX/XXXX XXXX XXXX XXXX  On Transunion, XXXX  and XXXX  it shows the account was active, current and XXXX as XX/XX/XXXX. -see attached document. 
This is a FCRA violation due to reporting inaccurate information. 
The first date of XXXX is inaccurate and unverifiable information. The first date of delq shows XX/XX/XXXX, however on XXXX  it shows the account is current on the payment history. However on Transunion and XXXX  it shows the account is 30 days past due on XX/XX/XXXX -- see attached document. These are more inaccuracies. 
The date of last activity is also inaccurate across all three reports. 
Transunion shows XX/XX/XXXX. XXXX  shows NO DATA. -- this is a FCRA violation -see attached document. 

On XXXX  it shows that NO data was reported from the creditor from XXXX XX/XX/XXXX. Then it reports the account as charge off status on XX/XX/XXXX and back to no data for XX/XX/XXXX. This is more inaccuracies and unverifiable information!

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 2025-12-01 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:
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
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-01 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief