vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
On XX/XX/XXXX, a derogatory tradeline for {$670.00} was reported to the credit bureaus by XXXX XXXXXXXX, a third-party collection agency based in XXXX XXXX XXXX Texas. The original account was reportedly opened on XX/XX/XXXX. I have not received any written validation of this debt, nor was I notified prior to this reporting, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ) and Fair Credit Reporting Act ( FCRA 623 ).

I was not given the opportunity to validate or dispute the debt before it was reported, and I have yet to receive any itemized breakdown, original creditor name, or supporting documents. Under industry reporting standards, medical and certain consumer debts require a 365-day grace period before they can be reported, and this timeline is unclear in this case. Regardless, continued credit reporting without validation violates 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a derogatory tradeline for {$670.00} was reported to the credit bureaus by XXXX XXXXXXXX, a third-party collection agency based in XXXX XXXX XXXX Texas. The original account was reportedly opened on XX/XX/XXXX. I have not received any written validation of this debt, nor was I notified prior to this reporting, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ) and Fair Credit Reporting Act ( FCRA 623 ).

I was not given the opportunity to validate or dispute the debt before it was reported, and I have yet to receive any itemized breakdown, original creditor name, or supporting documents. Under industry reporting standards, medical and certain consumer debts require a 365-day grace period before they can be reported, and this timeline is unclear in this case. Regardless, continued credit reporting without validation violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 non-monetary relief
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
I have formally requested that all three credit bureaus provide documentation verifying the ownership of this account. Additionally, I have asked for the removal of this account from my credit report.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: NV

Complaint narrative:
b'XXXX XXXX XXXX XXXX have wrong put collections on my account that is not my account. They have not investigated if the collections were accurate. I am not in contract with these collections companies and I have requested all contracts and agreements for any alleged debt. I asked the companies to remove all the collections because they are not mine. This debt has caused tremendous hardships in my life.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nBelow are Collection companies \n XXXX XXXX XXXX XXXX XXXX XXXX XXXXMeridian Financial Services'

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 2025-10-30 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: TX

Complaint narrative:
I am writing to dispute several items on my credit report, as I believe they contain inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the following charged-off accounts and inquiries that are listed as affecting my credit report : Charged-Off Accounts : XXXX. XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX. XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries : 1. XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, Date of Inquiry : XX/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 2025-10-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
Hello. In reviewing my credit reports, I found that Upstart had reported XXXX XXXX  day late payments to my credit for the months of XX/XX/XXXX and XX/XX/XXXX to the XXXX  and XXXX  bureaus. They reported the late payments to the XXXX  bureau to be late in XXXX of XXXX and XXXX of XXXX. I do not believe this information is accurate and I would like this issue corrected and these late payments to be removed. According to the laws in the Fair Credit Reporting Act, everything on my credit report is supposed to be true and accurate. The information for this account is not accurate and their mistakes are even clearly reporting differently across the different bureaus. I am not sure why they even reported me late at all because I believe I made all of my payments on time. The only thing I can think of is there may have been an issue with their billing system or me receiving my statements that caused this impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXXXXXX XXXX XXXXXXXX, XXXX ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it reported to any credit bureau. I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation.

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Equifax is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account- and the related hard inquiries - without any documented consent constitutes a direct violation of this section. They're using and disclosing my non-public personal information without authorization.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( Case No. XXXX ) identifying the disputed account and inquiries, yet Equifax continues to report them, causing ongoing harm and violating this section.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met.

PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of this unauthorized account. When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying. I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was bad because of something that isn't even mine. It was stressful looking for another place and facing the same problem over and over. My insurance premiums increased due to credit-based pricing. I'm literally paying more money every month because of something I didn't do.

This ongoing situation has caused me real financial pressure. I wake up worried about this. It's frustrating and causes XXXX  knowing that I'm being punished for something that violated my rights from the beginning. It affects my daily life in ways it shouldn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research C C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-30 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: TX

Complaint narrative:
Dear CFPB Investigator, This complaint concerns multiple furnishers reporting to TransUnion that may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. The accounts in question include : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entities have reported inaccurate and unverified information, failed to apply proper dispute codes, and continued to report non-compliant data. Such conduct violates FCRA 602 ( A ), 607 ( B ), and 611 ( a ), as well as FDCPA 807 ( 8 ).

I request that the CFPB investigate these reporting practices and require correction or removal of any unverifiable entries. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 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: PA

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 2025-10-30 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citicard allowed a vendor to commit theft of services by authorizing a disputed charge where the vendor not only did not perform the services agreed to, but also despite the vendor breaking state laws by not performing a walkthrough with me the customer before departure, and subsequently causing me additional financial loss. 

Citicard then also allowed that same vendor to charge my account a second time without an additional contract, both in my absence and without my signature, for an outcome the vendor themselves caused, and after having threatened my assets. 

Citicard allowed the vendor to charge my account a second time in my absence and without my signature for {$6000.00} in excess of my credit limit while having evidence that the vendor intentionall damaged my assets in their possession as well as XXXX inside of a shipping container costing me another {$4300.00}. 

Citicard has ignored my request for them to provide any justification, such as a Federal or State statute, a contractual clause, or my signature, for allowing unauthorized charges nearly twice the credit limit of my account. 

Citicard has closed the account and chargedoff the balance but continues to add interest, and so increases the amount reported overdue each month to credit reporting agencies. 

I complied fully and in a timely manner with all of citicards requests for information. I provided references to the state statutes broken by the vendor, written and verbal outlines of the services originally proposed demonstrating that the services were not performed as agreed, the written testimony of individual witnesses at both locations involved, and also as requested by citibank, I provided the written testimony of XXXX party vendors from the same industry, having observed the aftermath in person, stating that the actions of the vendor in question were far outside of industry standards and attesting to the intentional damages to my belongings, as well as the XXXX in the container. I of course also submitted a plethora of video and photo evidence.

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 2025-10-30 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: ND

Complaint narrative:
i have reviewed my credit report and found unverified items.

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