vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This letter serves as a final notice that Equifax is in potential violation of the Fair Credit Reporting Act ( FCRA ) regarding my dispute identified under Confirmation # : XXXXXXXX XXXX XXXX XXXX XXXX 
You have verified account * # XXXX with XXXX XXXX XXXX XXXX, despite my clear dispute and supporting documentation indicating the account is inaccurate, unauthorized, or otherwise unverifiable. Equifaxs continued reporting of this account, without resolving the dispute lawfully, may constitute a violation of several provisions of the FCRA, including but not limited to : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a full and reasonable reinvestigation ; * 1681i ( a ) ( 2 ) Failure to forward all relevant information to the furnisher ; * 1681i ( a ) ( 4 ) Failure to consider evidence submitted by the consumer ; * 1681i ( a ) ( 6 ) Failure to provide timely written results within 5 business days. 
This matter has been ongoing for far too long, and I am giving Equifax exactly 15 days from receipt of this letter to : 1. Provide a complete and detailed explanation of the reinvestigation process, including : * The name, address, and telephone number of the data furnisher you contacted ; * A copy of the specific records used to verify this account; * The method by which verification was determined ; 2. Delete the account immediately if you can not provide legal documentation bearing my signature, or verifiable evidence that I authorized or owe the debt.

Failure to do so will result in me taking the following actions without further notice : * Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; * Notifying the New York State Attorney General; * Seeking legal counsel to pursue damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

I urge you to take this matter seriously. A continued failure to comply will be viewed as intentional and may result in further legal and regulatory escalation.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AZ

Complaint narrative:
Seeing a late payment after my on-time payments is upsetting. I request it be promptly corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) reported a 30-day late payment despite failing to comply with the Truth in Lending Act ( TILA ) under 15 U.S.C. 1666b. This law clearly states that a creditor may not treat a payment as late unless they adopt reasonable procedures to ensure periodic billing statements are mailed or delivered at least 21 days prior to the due date. 

XXXX failed to send a periodic statement via mail in violation of 15 USC 1666b, yet I still made a timely payment demonstrating good faith and due diligence on my part. Despite this, they inaccurately reported the account as past due. 

This exposes : Their failure to comply with the federal law 15 USC 1666b under the Truth In Lending Act. 
Negligent billing practices ( TILA violation ). 
Inaccurate credit reporting ( FCRA violation. Failure to honor consumer protections despite my timely performance. 

While XXXX XXXX XXXX provided a courtesy reminder via email, this does not satisfy the TILA requirement under 15 USC 1666b to deliver a periodic statement 21 days prior to the due date. This email contains no itemized charges, balance details, or proper formatting required for a compliant statement Under 15 U.S. Code 1666b : A CREDITOR MAY NOT TREAT A PAYMENT AS LATE UNLESS THE CREDITOR HAS ADOPTED REASONABLE PROCEDURES DESIGNED TO ENSURE THAT PERIODIC STATEMENTS ARE MAILED OR DELIVERED AT LEAST 21 DAYS BEFORE THE PAYMENT DUE DATE. 

I never received a mailed or delivered billing statement for the disputed month ( XX/XX/year> ) only a generic email reminder ( which does not satisfy the TILA requirement for a full periodic statement ). Therefore, this late payment is legally invalid and constitutes a willful violation of federal law, especially considering my consistent payment history. 

I am requesting the immediate deletion of the 30-day late mark from my credit reports and a written confirmation of compliance with TILA and the Fair Credit Reporting Act ( FCRA ). If no resolution is provided, I am prepared to pursue arbitration and report this violation to the OCC and FTC for noncompliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate investigation of various accounts listed on my credit report that have been opened without my consent, potentially by my ex-boyfriend. I believe he has used my personal information to establish multiple accounts, including the one currently causing concern. This is a serious matter of identity theft and fraud, for which I am not liable. 

Several years ago, I unfortunately lost my purse, which contained vital personal information such as my ID and financial cards. Following this incident, I suspect that my ex-boyfriend took advantage of this situation to compromise my personal information. Since then, I have discovered several unfamiliar accounts and loans taken out in my name, which I did not authorize. This fraudulent behavior is not only detrimental to my credit score but is also severely impacting my life as a single mother, complicating my financial situation and causing undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the reporting by Oportun XXXX. This account is inaccurately reported as 'Charged Off ' and states it was 'Sold To : XXXX XXXX XXXX XXXX 

However, I recently filed a CFPB complaint against XXXX XXXX XXXX regarding this same debt ( CFPB ID : XXXX ). In their official response dated XX/XX/2025, XXXX XXXX stated they were terminating collection efforts and would request deletion of their tradeline for 'an Oportun XXXX debt '. Their response confirms they were acting as a third-party debt collector for Oportun, not as the owner of the debt. 

This directly contradicts Oportun 's reporting that the debt was 'sold ' to XXXX XXXX XXXX If XXXX XXXX does not own the debt and has agreed to delete their reporting as a collector, then Oportun 's assertion of having 'sold ' the debt is false. This makes Oportun 's entire tradeline for this account inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

Oportun does not have a permissible purpose to report inaccurate information. I demand the immediate and complete deletion of this Oportun account from all my credit reports ( XXXX XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am submitting a complaint regarding inaccurate information being reported to the credit bureaus ( Experian ) by XXXX for my XXXX XXXX 

On XX/XX/XXXX, my payment was due. I made the payment on XX/XX/XXXX, which was four days late. I acknowledge and accept that the payment was late, and I do NOT dispute that fact. The payment amount was {$120.00}, which included my normal monthly total of {$60.00} for both loans, plus late fees that were charged because I paid past the due date. 

The issue is not the late payment, its the reporting that followed. Currently, my credit report via Experian says my last payment was XX/XX/XXXX, which is inaccurate. My actual last payment was made on XX/XX/XXXX. Because of this, the information on my credit report is inaccurate. I believe XXXX is reporting based on the late XXXX payment and may have failed to update later payment activity. I contacted XXXX directly and asked if they could remove the late mark through a goodwill adjustment. They replied saying they were unable to grant a goodwill adjustment, but they didnt address the inaccurate last payment date or the XXXX delinquency. 

I disputed this with Experian, clearly stating that I am not disputing the late XXXX payment, only that the last payment date is listed incorrectly. I also submitted a screenshot showing them my XX/XX/XXXX payment, but my dispute was rejected with a generic response. Im asking that someone actually verify the account details inside XXXX, not rely only on external documents or assumptions. 

Additionally, Ive noticed that XXXX reported a delinquency this month XX/XX/XXXX, even though I paid my XXXX payment a few days early on XX/XX/XXXX. There was no payment due in XX/XX/XXXX, which is why no payment was made that month. My XXXX payment of {$60.00} was made on time, on XX/XX/XXXX. My next payment of {$60.00} is due XX/XX/XXXX. 

Inside my XXXX account, everything appears normal and current. Thats why this reporting feels inaccurate. If screenshots are not sufficient, I respectfully request that this be verified directly with XXXX internal records. 

I only pay when something is marked as due. If no payment is due for a given month, I do not make a payment, and that is reflected in my account. There is no intent to avoid responsibility, but I want to make sure Im being reported fairly and accurately. Thank you for reading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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.

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 2025-07-16 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: LA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers of the accounts identified in my supporting documentation. Despite my repeated disputes under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, these accounts continue to be reported as verified and accurately reporting, which is demonstrably false and misleading.

Under FCRA 1681e ( b ), consumer reporting agencies are legally required to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency is obligated to delete or correct that information promptly.

Additionally, per the Metro 2 Compliance Guidelines established by the Consumer Data Industry Association ( CDIA ), furnishers and credit bureaus are bound to report data with integrity, consistency, and verifiability. Failure to comply with these standards constitutes a direct violation of industry compliance and federal law. 

In this case, the disputed accounts have been repeatedly verified without any proper reinvestigation or evidence to substantiate the accuracy of the reporting, which is a violation of both the FCRAs reinvestigation requirements and Metro 2 data reporting standards. Simply relying on automated responses from data furnishers does not satisfy the requirement of a reasonable reinvestigation under the law. 

I will be providing clear and compelling documentation proving these accounts are inaccurate. Therefore, pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), I am demanding the immediate deletion of all inaccurate, incomplete, or unverifiable information from my credit report.

If these violations are not corrected within the statutory time frame, I will have no choice but to pursue all available legal remedies, including initiating a lawsuit under FCRA 1681n and 1681o for willful and negligent noncompliance. This includes seeking actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, as well as attorneys fees and costs of litigation. 

I trust the CFPB will take swift and appropriate action to address these serious violations of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: LA

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - Delete immediately! 

XXXX - XX/XX/XXXX - This inquiry was not authorized - Delete immediately! 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Delete immediately! 

XXXX - XX/XX/XXXX - This inquiry was not authorized - Delete immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OR

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
XXXX XXXX XXXX XXXX is reporting two open mortgages to the credit bureaus. These mortgages were paid in full in XX/XX/year> when I sold the property. I was just informed by multiple banks after applying for a new mortgage, that Transunion is reporting that the two mortgages are open with balances with no payments since XX/XX/year>. This information is false and has significantly affected my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting two open mortgages to the credit bureaus. These mortgages were paid in full in XX/XX/year> when I sold the property. I was just informed by multiple banks after applying for a new mortgage, thaXXXX XXXX is reporting that the two mortgages are open with balances with no payments since XX/XX/year>. This information is false and has significantly affected my credit score.

Company response to consumer: Closed with non-monetary relief