vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered multiple accounts and inquiries being reported inaccurately and without validation. I have disputed these items several times since early XXXX, but they continue to appear on my credit file, verified without proof or documentation. The accounts in question include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Each furnisher has failed to provide validation or proof of ownership, account history, or signed agreements confirming my responsibility for these debts. Some accounts are reported as both charged off and past due at the same time, which is contradictory and misleading. Others have been sold or transferred to debt buyers but are still being reported by the original creditors, resulting in duplicate and inaccurate data. 

For example, XXXX continues to report a charged-off account with monthly updates and a balance that exceeds the verified charge-off amount, which violates FCRA 607 ( b ) ( accuracy requirement ). XXXX XXXX XXXX XXXX has been reporting a charged-off account since XXXX but continues to mark it as past due every month, which is a false and re-aged status. XXXX XXXX XXXX reports a charged-off account that was sold to another lender but never provided documentation confirming the transfer or final balance. XXXX XXXX XXXX, the debt buyer, is reporting a collection account allegedly purchased from XXXXXXXX XXXX  but has failed to validate the debt, provide ownership documents, or produce any chain-of-title paperwork proving legal assignment. 

Additionally, there are multiple unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized these companies to access my credit file, and none of them have provided signed credit applications or proof of permissible purpose under FCRA 604 ( a ) ( 2 ). Despite my repeated written disputes, all three credit bureaus have verified these items without conducting proper reinvestigations as required by FCRA 611 ( a ). Their continued reporting of unverifiable and inaccurate data has harmed my credit rating and violated my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered multiple accounts and inquiries being reported inaccurately and without validation. I have disputed these items several times since early XXXX, but they continue to appear on my credit file, verified without proof or documentation. The accounts in question include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Each furnisher has failed to provide validation or proof of ownership, account history, or signed agreements confirming my responsibility for these debts. Some accounts are reported as both charged off and past due at the same time, which is contradictory and misleading. Others have been sold or transferred to debt buyers but are still being reported by the original creditors, resulting in duplicate and inaccurate data. 

For example, XXXX continues to report a charged-off account with monthly updates and a balance that exceeds the verified charge-off amount, which violates FCRA 607 ( b ) ( accuracy requirement ). XXXX XXXX XXXX XXXX has been reporting a charged-off account since XXXX but continues to mark it as past due every month, which is a false and re-aged status. XXXX XXXX XXXX reports a charged-off account that was sold to another lender but never provided documentation confirming the transfer or final balance. XXXX XXXX XXXX, the debt buyer, is reporting a collection account allegedly purchased from XXXXXXXX XXXX  but has failed to validate the debt, provide ownership documents, or produce any chain-of-title paperwork proving legal assignment. 

Additionally, there are multiple unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized these companies to access my credit file, and none of them have provided signed credit applications or proof of permissible purpose under FCRA 604 ( a ) ( 2 ). Despite my repeated written disputes, all three credit bureaus have verified these items without conducting proper reinvestigations as required by FCRA 611 ( a ). Their continued reporting of unverifiable and inaccurate data has harmed my credit rating and violated my rights under federal law.

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 2025-11-10 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: AR

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 2025-11-10 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: OH

Complaint narrative:
I am a consumer requesting an investigation into the accuracy of the information being reported on my credit report. Below are the specific items I am disputing with each credit bureau. 
Charged-Off Accounts in Dispute : XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct XXXX XXXX Date Opened : XX/XX/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 2025-11-10 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-10 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: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting several inaccurate and/or unverifiable accounts and inquiries on my credit report. I have attempted to resolve these issues directly with the credit bureau but the information remains incorrect. 

Charged Off Accounts : XXXX XXXX XXXX ( Account No. XXXX, Date : XX/XX/XXXX, XXXX : {$710.00} ) I do not recognize this account, and I have never received validation of this debt. 

XXXX XXXX / XXXX ( Account No. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} ) This account should not be listed as charged off if the balance is {$0.00}. 

XXXX XXXX ( Account ending in XXXX, Date : XX/XX/XXXX, Balance : {$15000.00} ) I believe the reporting of this account as charged off is inaccurate or outdated. 

XXXX / XXXX XXXX ( Account No. XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} ) This should not be reflected as a charged-off account with a XXXX balance. 

Inquiries : The following inquiries dated September 2728, 2025 appear excessive and potentially unauthorized : XXXX, XXXX ( listed twice ), XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I am requesting verification that I authorized these inquiries. 

Late Payment : XXXX XXXX ( Account XXXX. XXXX ) I dispute the late payment ( s ) reported. I request verification with supporting records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MD

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-10 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-11-10 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under XXXX  law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-10 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:
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 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
In early XXXX, I contacted your office by phone and requested that you provide full documentation validating the accuracy and legitimacy of the alleged debt. In response, I was only sent a few documents that appear to include a model lease and an updated rental price. These documents do not substantiate the balance you are attempting to collect. 

This property was income-based, and I can verify that there were several months during my tenancy when my rent was {$0.00} due to documented loss of income and my responsibility to care for my minor children. During the middle of my tenancy, I also gave birth and was caring for my newborn, which required taking extended time off work. As a result, the rent amounts should reflect multiple months at {$0.00} or reduced rent based on the propertys income-based structure. 

Importantly, you did not provide a complete rent ledger or account history showing monthly charges and payments. Without an itemized ledger, it is impossible to confirm the accuracy of the alleged debt.

Additionally, one of the documents you provided appears to be inaccurate. It indicates that I signed a XXXX rental change form in XXXX, which is incorrect and does not align with standard procedures or the timeline of my tenancy. 

Because of the missing ledger, inconsistencies, and lack of proper verification, I am requesting : A full and complete account ledger showing each months rent charge, adjustments, and payments for the entire period of my tenancy. 

Documentation verifying all income-based rent calculations, including the dates on which rent was reduced to {$0.00}. 

Corrected records for any documents that show inaccurate dates or signatures. 

Suspension of all collection activity until valid proof of the debt is provided, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Until these documents are produced, I dispute the validity and accuracy of this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
I am requesting a full reinvestigation of the items below, as some appear inconsistent or unverified. If TransUnion or the furnishers can not validate the reporting with proper documentation, I request correction or immediate removal. 

CHARGED-OFF ACCOUNTS ( TU ) Please validate all information below or delete if not fully verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts are being disputed because the information reported is inaccurate, outdated, or can not be properly verified. I am requesting a full reinvestigation to ensure compliance with the FCRA. 

CHARGED OFF ACCOUNTS : XXXX  XXXX ( XXXX ) XX/XX/XXXX {$0.00} XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX ( XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX XXXX XXXX ) XX/XX/XXXX {$13000.00} XXXX XXXX XXXX ) XX/XX/XXXX {$340.00} XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$670.00} XXXX ( XXXX ) XX/XX/XXXX {$0.00} XXXX XXXX ( XXXX ) XX/XX/XXXX {$1800.00} XXXX XXXX ( XXXX ) XX/XX/XXXX {$1400.00} XXXX XXXX ( XXXX ) XX/XX/XXXX {$830.00} XXXX XXXX ( XXXX ) XX/XX/XXXX {$770.00} XXXX XXXX ( XXXX ) XX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$610.00} INQUIRIES : 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 2025-11-10 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: CA

Complaint narrative:
b'Make sure disputed items are deleted within legally defined limits.'

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 2025-11-10 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:
Verify that disputed accounts are taken off promptly, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
My credit report contains several inaccuracies that are reporting negatively

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