vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 explanation
Consumer complaint received 2025-09-04 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this formal complaint against Citi Bank for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), the Fair Debt Collection Practices Act ( FDCPA ), and related provisions under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Citi Bank has failed to properly investigate and resolve fraudulent activity on my account, and continues to report inaccurate and damaging information to credit bureaus despite my repeated disputes and submission of identity theft documentation.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/1982 I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX XXXX, TransUnion ) for reporting and maintaining inaccurate and duplicate account information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The same account is being reported multiple times with contradictory information, including : Reported as both Charge Off and Open at the same time.

Payment history listed as 100 % on-time in one entry, and 0 % on-time with late payments in another. 

Duplicate tradelines reporting the same balance of {$930.00}, making it appear as if I have more derogatory accounts than I actually do. 

Conflicting dispute comments appear, but the bureaus and XXXX continue furnishing this inconsistent data. 

This reporting is factually inaccurate, misleading, and unfairly damaging my credit profile. 

Violations : FCRA 15 U.S.C. 1681e ( b ) : Requires CRAs to ensure maximum possible accuracy of consumer information.

FCRA 15 U.S.C. 1681i : Requires reinvestigation and correction/deletion of inaccurate or unverifiable data.

FCRA 15 U.S.C. 1681s-2 : Prohibits furnishers from reporting information they know is inaccurate.

FDCPA 15 U.S.C. 1692e & 1692f : Prohibits false, misleading, and unfair representations in debt collection, including credit reporting. 

Requested Resolution : I am requesting that the CFPB require the following corrective actions : Immediate deletion or correction of the duplicate and inconsistent account entries by the credit bureaus.

Cessation of inaccurate reporting by XXXX XXXX XXXX XXXX XXXX XXXX. 

Written confirmation from all parties that these tradelines have been corrected or removed. 

Investigation into XXXX continued practice of furnishing false, misleading, or duplicate data to the credit bureaus. 

I have attached supporting documentation, including : A copy of my credit report highlighting the duplicate and conflicting entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Strategic Alliances, Inc.
State: NC

Complaint narrative:
I have received multiple emails from XXXX stating I owe them {$280.00} for breaking my lease agreement. If this bill is not paid within 30 days, it will result in legal action to recover the debt. Whenever I attempt to go to the portal, it takes me to a payment website. After further research of the company, this is not associated with any of their official websites. They have emailed me numerous times claiming to take legal action if payment is not made.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the accuracy of reported late payment ( s ) on my account. These entries are unverified, inaccurate, and in violation of FCRA 623 ( a ) ( 1 ) ( A ). If the creditor can not provide documented proof that these payments were actually late, they must be removed. Reporting unverifiable information violates federal law and will be reported to the CFPB, FTC, and Attorney General if not resolved within 30 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXXXXXX, account ending in XXXX XXXX ). 

Equifax verified this account as accurate on XX/XX/year> ( confirmation XXXX  XXXX ). However, the records they relied upon list the account under a name that is not mine ( XXXX XXXX XXXX XXXX My legal name is XXXX XXXX, and I have never used the name Equifax and the furnisher are reporting. 

This is a clear case of inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). Equifax failed to conduct a proper reinvestigation and continues to report an account that does not belong to me.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXXXXXX, account ending in XXXX XXXX ). 

Equifax verified this account as accurate on XX/XX/year> ( confirmation XXXX  XXXX ). However, the records they relied upon list the account under a name that is not mine ( XXXX XXXX XXXX XXXX My legal name is XXXX XXXX, and I have never used the name Equifax and the furnisher are reporting. 

This is a clear case of inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). Equifax failed to conduct a proper reinvestigation and continues to report an account that does not belong to me.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have had several inquires on my credit that I did not apply for from XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX. These inquires were all made from XX/XX/XXXX to XX/XX/year>. We recently applied for a HELOC from XXXXXXXX XXXX XXXX and that was the last authorized credit pull. I have frozen my credit report with all 3 agencies but want to remove these unauthorized credit checks from my report and ensure no further inquiries are made.

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 2025-09-04 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Between XX/XX/XXXX and XX/XX/XXXX, the following accounts were opened without my authorization : XXXX XXXX XXXX ( {$130.00} ), XXXX XXXX ( {$200.00} ), XXXX XXXX XXXX XXXX ( {$350.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( {$430.00} ), XXXX XXXX XXXX XXXX ( {$150.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$2900.00} ). I did not open these accounts, and they have been reported to credit bureaus. I filed an FTC Identity Theft Report, provided my ID and proof of address, and requested the accounts be blocked and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/2024 Experian XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Experian XXXX XXXX XXXX XX/XX/2024 Experian

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 2025-09-04 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis Risk Solutions is furnishing and reporting false, inaccurate, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ). False Statement Regarding Bankruptcy Source I disputed a bankruptcy listed in my LexisNexis file. In their written response, LexisNexis admitted they obtained the record from XXXX. This is deceptive because XXXX itself does not guarantee accuracy and the U.S. Bankruptcy Court has confirmed in writing that it does not furnish data to any consumer reporting agencies. LexisNexis knowingly misrepresented the source of the data and continued reporting it. Violation of 1681e ( b ) Maximum Possible Accuracy LexisNexis is reporting inaccurate names, addresses, and emails in my file, along with an incomplete and unverifiable bankruptcy. Reporting information from XXXX without direct verification from the original source ( the Court ) fails the reasonable procedures to assure maximum possible accuracy standard. Violation of 1681b Lack of Permissible Purpose LexisNexis has furnished my information, including the bankruptcy, to third parties without a valid permissible purpose. Inaccurate and unverifiablXXXX XXXX data can not legally be furnished under 1681b. Pattern of Non-Compliance I provided proof in my first dispute that the bankruptcy court does not report to CRAs. Despite this, LexisNexis continues to knowingly furnish the same false and unverifiable data, showing willful noncompliance. Relief Requested : I am requesting the CFPB to : Investigate LexisNexis for knowingly misrepresenting the source and accuracy of consumer data. Order LexisNexis to delete the bankruptcy and all unverifiable/inaccurate personal identifiers ( names, addresses, emails ). Require LexisNexis to cease furnishing data derived from XXXX that can not be independently verified with the Bankruptcy Court. Ensure LexisNexis complies with 1681e ( b ) ( accuracy ) and 1681b ( permissible purpose ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
I am submitting this statement in reference to multiple derogatory accounts that appear on my credit report. I respectfully request a thorough investigation and verification of these accounts under the Fair Credit Reporting Act ( FCRA ).

I believe that the following accounts are inaccurate, outdated, or reported in error. These derogatory entries are negatively impacting my creditworthiness, and I have reason to believe that some or all may not be reporting in compliance with federal regulations. The details of the accounts in question are as follows : 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

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!

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