vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: MO

Complaint narrative:
I have 4 accounts on my report that affect my score due to delinquent status. I filed for bankruptcy, and it was discharged on XX/XX/XXXX, and these were in it. They are still showing on my payment history as missed. XXXX XXXX XXXX  limit {$1000.00} shows XXXX XXXXed payments, XXXXXXXX XXXX XXXX XXXX shows XXXX missed payments with a {$200.00} credit limit, which is incorrect. A XXXXXXXX XXXX XXXX XXXX limit of {$6000.00} and shows delinquent. A XXXX XXXX  with a {$400.00} limit is showing delinquent as well. Can I please get help correcting these to benefit my credit score? There is also a name showing on my credit report of XXXX XXXX, which is incorrect, as my middle name is XXXX. The address of XXXX XXXX XXXX, XXXX, is also very old, and I haven't lived there since 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have 4 accounts on my report that affect my score due to delinquent status. I filed for bankruptcy, and it was discharged on XX/XX/XXXX, and these were in it. They are still showing on my payment history as missed. XXXX XXXX XXXX  limit {$1000.00} shows XXXX XXXXed payments, XXXXXXXX XXXX XXXX XXXX shows XXXX missed payments with a {$200.00} credit limit, which is incorrect. A XXXXXXXX XXXX XXXX XXXX limit of {$6000.00} and shows delinquent. A XXXX XXXX  with a {$400.00} limit is showing delinquent as well. Can I please get help correcting these to benefit my credit score? There is also a name showing on my credit report of XXXX XXXX, which is incorrect, as my middle name is XXXX. The address of XXXX XXXX XXXX, XXXX, is also very old, and I haven't lived there since 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A charged-off account from Capital One is reporting a balance of {$500.00} on my credit reports. I previously disputed this account, citing that I do not recall authorizing it or receiving proper billing documentation. I sent a debt validation request to Capital One at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, on XX/XX/year>. 

To date, I have received no proof that this account belongs to me, nor any original agreement or breakdown of charges. This account continues to report monthly with charge-off status, harming my credit, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully request immediate deletion of this account until validation is properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
Equifax ( XXXX : XXXX XXXX  ) Equifax is now knowingly publishing false and manipulated payment data on my XXXX  Credit Card account. I am disputing serious credit reporting violations, including timeline tampering and retroactive re-aging designed to manufacture and mantain a XXXX delinquency that was previously brought up and disputed w them. 


Equifax is now reporting me as 30 days late in XXXX, XXXX  days in XXXX, and XXXX days in XX/XX/year> all of a sudden ; a timeline that was fabricated after I filed disputes and out of nowhere a past due date for the month of XXXX appeared in XXXX. This manipulated sequence did not exist on any credit report or Ally billing statement prior to XXXX, and is clearly designed to give Equifax and XXXX cover for reasserting a XXXX delinquency I have long disputed. 

In fact : There was no XXXX delinquency shown or reported at any time in XXXX, XXXX, XXXX, or XXXX only now, suddenly in XXXX. 

This new entry appears three months after XXXX ended, with no billing cycle from XXXX ever reflecting a missed or unpaid XXXX due date. 

In XX/XX/year>, Experian showed 60 days late for XXXX, while Equifax still refuses to make corrections. 

Then, in XXXX through XXXX, Equifax is still showing 90 days late, despite my ongoing CFPB dispute. 

Instead of addressing the error, they re-aged the account by inserting a XXXX delinquency that never existed, thereby " constructing '' a XXXX delinquency on paper without foundation in fact. 

This appears to be an intentional backdating of late payments to avoid correcting prior false data and to justify their original XXXX reporting in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Violations Alleged : FCRA XXXX ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly FCRA 623 ( a ) ( 5 ) : Illegal re-aging of delinquency dates FCRA 611 ( a ) : Failure to correct false reporting after dispute FCRA 607 ( b ) : Failure of Equifax to assure maximum accuracy This is not only deceptive but highly damaging, especially as other creditors ( XXXX and XXXX ) have either removed late notations or acknowledged disputes during the same timeline, recognizing that the account was under dispute the entire time and not a willful nonpayment with the same merchant/vet timeline. 

As a Final Note : I am extremely concerned this was done to undermine or nullify my earlier CFPB complaint against XXXX. At minimum, it reflects reckless indifference to credit reporting accuracy, and at worst, it may represent coordinated manipulation of my credit file between XXXX and Equifax. 

This is harming my credit during an ongoing good-faith dispute and I demand full investigation, correction, and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received notification that a card was opened without my knowledge for a Macys store card.i have notified the credit bureaus and put a fraud alert on my credit.

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 2025-06-07 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:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( XXXX XXXX XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NV

Complaint narrative:
I submitted three disputes to Checkr regarding inaccurate criminal records in my background check used by XXXX. 
One case was dismissed ( XXXX XXXX. XXXX ) and another was resolved and paid over a year ago ( XXXX XXXX. XXXX ). 
Despite providing official court documents and a clean DMV record, Checkr has not corrected the information. 
This is causing unfair denial of employment. I request that Checkr updates my report immediately and removes inaccurate or outdated records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have confirmed that this alleged debt is the result of identity theft, and under the Fair Debt Collection Practices Act ( FDCPA ) 805 ( c ), I am requesting that all further communication regarding this debt cease immediately, and that this account be deleted from any credit reporting agencies you have communicated with, as I am not legally responsible for the fraudulent activity associated with this account. 

XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I am writing to dispute this unauthorized account formally. 

XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account # XXXX XXXX XXXX XXXX Balance : {$2500.00} Under my rights provided by the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i * *, and the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g * *, I am formally disputing the validity of this account, which appears on my credit report. I am requesting both verification of this debt and immediate removal from all consumer credit reporting agencies. 

I have * * no prior knowledge of this account * *, nor have I received any communication or documentation verifying its existence. This debt was never validated in accordance with FDCPA requirements, which legally obligate your agency to provide sufficient proof of the debt including the original signed contract and billing history. 

Therefore, I demand : 1. That this account be * * immediately removed from all credit bureaus * *, and 2. That you * * provide full validation within 30 days * *, per FDCPA 1692g ( b ).

Further legal action will be taken if needed. You are further notified to * * cease all collection efforts * * until this matter is resolved. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
I am writing to file a formal complaint regarding the unauthorized account listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these account. 
XXXX XXXX * * * * Balance : $ XXXX tied up XXXX XXXX * * * * Balance : $ XXXX tied up

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The information on my credit report is inaccurate and when I showed that the information was inaccurate they came back and said verified without showing me proof of a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: HI

Complaint narrative:
I trust this letter finds you well. I am writing to formally dispute the presence of a late payment reported by your organization on my credit report. I believe these late payments to be inaccurate, and I kindly request their removal in accordance with applicable laws and regulations. 

Account Information : XXXX XXXX  XXXX - Account Number : XXXX - Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX Account Information : XXXX XXXX  Account Number : XXXX - Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Since my last complaint about this company, I changed my payment methods to just standard credit cards since their website says that I can make a payment using any of the major credit card brands. I tried with XXXX and XXXX and get a message that says the brand is not accepted. I am not understanding why if want to change my method of paying to a credit card, I am not able to when they clearly take credit card payments. Why am I restricted from using a credit card. This is not with XXXX, XXXX, or XXXX. This is reputable XXXX and XXXX credit banks and no card I use is being accepted on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-07 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief