vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: CA

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 ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit reports. I am formally disputing the items listed below as they appear on each consumer reporting agency. These items are inaccurate, unverifiable, and/or improperly reported, and they are negatively impacting my credit profile. 

Inquiries Dispute I am disputing the following inquiries reported by Experian : EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Dispute I am also disputing the following late payment entries reported by Experian : XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX Account ending 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 2025-12-28 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: NJ

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 XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX & 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TN

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my Equifax credit report. 

Charged-Off Accounts I dispute the following accounts : XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX XXXX XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$210.00} ) I request Equifax verify balances, account status, and reporting dates, and remove or correct any information that can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
Dear Sir or Madam, Please be advised that I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Federal Trade Commission Report and/or Fraud Affidavit. 
I HAVE INCLUDED HERE THE REQUIRED FEDERAL TRADE COMMISSION REPORT AND FRAUD AFFIDAVIT. 

Therefore, I hereby demand that you immediately delete the fraudulent accounts and inquiries listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX ( Fraudulently Opened on XX/XX/year>. ( Identity Theft! ). 

Enclosed here are my Drivers License, Social Security Card, and Utility Bill, excerpts from the relevant FCRA Sections, as well as a copy of the Federal Trade Commission Report and Fraud Affidavit. 

The law is very clear as to the Civil Liability and the remedies available to me under FCRA Section 616 & Section 617 if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA should you not comply. 

I look forward to receiving an updated copy of my credit report reflecting the above corrections. Also, kindly delete from my credit file all other addresses except XXXX, which is the only address that I have lived in that should be on my credit file. 

Again, Section 605 ( b ) of the Fair Credit Reporting Act requires that you block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within 4 business days. Therefore, please block and/or delete this information from my credit report, and send the required notifications to all furnishers of this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am disputing the following accounts and late payment entries reported on my Equifax credit report. These items are inaccurate, incomplete, and/or have not been properly verified. I am requesting a full investigation and validation of each item listed below. If accurate verification can not be provided, these items must be deleted or corrected. 

CHARGED OFF ACCOUNTS XXXX XXXX  Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$8100.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXXXXXX  | XXXX : {$760.00} XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXXXXXX  | XXXX : {$1300.00} INQUIRIES None listed for dispute at this time. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: WA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent information reported on my TransUnion credit report. Several of the listed accounts show conflicting balances and reporting dates across bureaus, which indicates improper verification. I am requesting a lawful reinvestigation and correction or removal of these items. 

Charged-Off Accounts in Dispute XXXX XXXX Account # : XXXXXXXX XXXX XXXX | Date : XX/XX/XXXX | Balance : {$26000.00} XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Balance : {$950.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Balance : {$1500.00} XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Balance : {$1500.00} XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Balance : {$0.00} Inquiries in Dispute XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments in Dispute XXXX Account # : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information appearing on my Experian credit report. I am a consumer working to correct my credit and make sure my report accurately reflects my credit history. 

Charged-Off / Collection Accounts I dispute the accuracy and reporting of the following accounts : XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$20000.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$210.00} ) Some of these accounts show XXXX balances but continue to be reported negatively, while others appear recently reported collections that I do not recognize or believe are inaccurately reported. I am requesting Experian verify the accuracy of the balances, dates, ownership, and account status. Any account that can not be fully verified should be corrected or removed. 

Credit Inquiries I am disputing the following inquiries because I do not recall authorizing them and believe they may lack proper authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Reporting I am disputing late payment information being reported on the following accounts : XXXX Acct XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX The late payments reported on these accounts are inaccurate, overstated, or not reflective of my actual payment history. I am requesting Experian investigate and correct or remove any late payments that can not be verified.

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 2025-12-28 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: WA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : XXXX Accounts : No charged-off accounts listed for TransUnion. 

Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-28 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: FL

Complaint narrative:
I am disputing inaccurate and incomplete information currently being reported on my TransUnion credit file. 

Charged-Off Account in Dispute XXXX CRD SRVC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} This account is being reported as charged off, yet I have not been provided with proper validation, accurate account history, or documentation proving the legitimacy of this debt. The reporting is incomplete and misleading, which violates the FCRAs accuracy and completeness requirements. 

Inquiries in Dispute On XX/XX/XXXX, the following inquiries appear on my TransUnion report : XXXX XXXX XXXX XXXX I did not authorize these inquiries and did not provide consent or permissible purpose for my credit to be accessed. These inquiries are damaging to my credit profile and must be removed unless TransUnion can provide documented proof of authorization.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/year> I requested By telephone that my accounts with PenFed be closed. In XXXX and XXXX I received emails stating that my account was in arrears. I called several times but the persons who answered the phones ( in poor English ) cold not tell me where charges came from. PenFed sent negative credit reports to all agencies. 

I have spent years building a credit rating of over XXXX. These XXXX XXXX XXXX XXXX have ruined my credit rating. 

I want my credit rating restored and punishment for PenFed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, 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 2025-12-28 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: IN

Complaint narrative:
I am disputing the following charged-off accounts and late payment on my TransUnion credit report. These items are inaccurate, incomplete, and/or can not be properly verified under the Fair Credit Reporting Act. 

XXXX Accounts in Dispute XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$330.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1900.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$13000.00} Late Payment in XXXX Department of Education XXXX XXXX Account # 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 2025-12-28 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: FL

Complaint narrative:
I am filing this complaint regarding XXXX unauthorized hard credit inquiries that appear on my Equifax credit report. I did not authorize, initiate, or consent to any credit application or transaction that would justify these inquiries. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> These inquiries were made without my knowledge or permission and therefore do not meet the requirements of a permissible purpose under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ). 

I previously disputed these inquiries with Equifax ; however, they remain on my credit report without proper verification. Under the FCRA, Sections 611 and 623, consumer reporting agencies and furnishers are required to conduct a reasonable investigation and remove any information that can not be verified as accurate and authorized. 

The continued reporting of these unauthorized inquiries is inaccurate, misleading, and negatively impacts my credit profile, in violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: AK

Complaint narrative:
I am filing this complaint to dispute inaccurate, misleading, and unverifiable information currently reported on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that all information reported is accurate, complete, and verifiable. 

Charged-Off Account Dispute XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1300.00} Late Payment Reporting Dispute XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MD

Complaint narrative:
I am submitting this complaint as a consumer attempting to correct serious inaccuracies on my credit reports. I have reviewed my credit files and identified multiple accounts, inquiries, and late payment notations that are being reported inaccurately, inconsistently, or without proper verification. These items are causing ongoing harm to my credit profile. 

Charged-Off Accounts XXXX XXXX  Acct # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX ( Opened XX/XX/XXXX, Balance {$10000.00} ) XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX ( Opened XX/XX/XXXX, Balance {$10000.00} ) XXXX XXXXXXXX Acct XXXX XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payments Edfinancial Acct # XXXX Edfinancial Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am disputing inaccurate and incomplete information currently appearing on my TransUnion credit report. TransUnion is required under the Fair Credit Reporting Act to conduct a reasonable investigation and ensure that all information reported is accurate and verifiable. 

Charged-Off Accounts XXXX XXXX XXXX XXXX  Account No. XXXX Opened XX/XX/year> Balance {$28000.00} This account is being reported inconsistently across credit bureaus. I am disputing the accuracy of the balance, the charged-off status, and whether this account has been properly verified. 

Late Payment Reporting XXXX Account No. XXXX XXXX XXXX XXXX XXXX  Account No. XXXX These late payment entries are inaccurate and misleading. If TransUnion can not provide documentation verifying these late payments, they must be corrected or removed.

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, a request was made to validate the alleged debt to Midland Credit Management XXXX. In that request, the original contact information was asked to be provided from the original creditor, a complete and unbroken chain of title from the original creditor to Midland Credit Management XXXX that demonstrates your legal ownership of this account. This must include all assignment agreements and bills of sales. And detail accounting on how the balance of {$3800.00} was calculated, including all principal, interest, and fees itemized from a XXXX balance.

Company response to consumer: Closed with explanation