vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX, I Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$290.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$680.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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 have found a fraudulent account from XXXX XXXX  with the account number XXXX opened on XXXX. And I have found fraudulent hard inquiries 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 2025-08-22 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: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to properly investigate my disputes across Experian, Equifax, and TransUnion, as well as multiple furnishers including XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX I have disputed these accounts multiple times, yet each bureau responded that the accounts were verified as accurate. Despite this, the reporting contains clear Metro 2 violations and does not comply with the Fair Credit Reporting Act ( FCRA ). Furnishers are failing their duty under FCRA 623 to report accurately, and the bureaus are failing under FCRA 611 to conduct reasonable reinvestigations. 
For example, XXXX XXXX is reporting a Term Duration field even though collections must not report any term. It also reports payment history where Metro 2 requires blank fields for collections, and continues to report Balance History as if it were an open loan, which is prohibited. XXXX is reporting a Past Due Amount even though the account was charged off, when Metro 2 requires past due amounts to be {$0.00} once charged off. It also continues to report monthly payment history after charge-off, when those fields should be blank, and updates the account as if it were still active instead of frozen at the charge-off date. XXXX reports High Credit and Credit Limit values even after closure, which Metro 2 requires to be blank. It also continues to report a Payment History Profile for closed accounts, and shows ongoing balances that do not match the closure or charge-off status. XXXX XXXX is reporting High Credit despite the account being closed, continues to report a Past Due Amount when closed accounts should reflect {$0.00}, and also reports a Payment History Profile when Metro 2 requires blank fields once an account is closed. 
Because these accounts continue to update inaccurately each month, my creditworthiness is being harmed repeatedly. I have been denied credit approvals and apartment applications due to this false reporting. These errors directly impact my ability to obtain housing and fair access to credit. I am requesting that the CFPB require the credit bureaus and furnishers to provide the method of verification used to mark these accounts accurate, to correct or delete the accounts that continue to violate Metro 2 reporting standards, and to ensure payment history, balances, and account statuses are updated to reflect accurate information. The failure of furnishers and credit bureaus to maintain accurate reporting and perform proper investigations is negligent, harmful, and in direct violation of the FCRA.

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 2025-08-22 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: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to properly investigate my disputes across Experian, Equifax, and TransUnion, as well as multiple furnishers including XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX I have disputed these accounts multiple times, yet each bureau responded that the accounts were verified as accurate. Despite this, the reporting contains clear Metro 2 violations and does not comply with the Fair Credit Reporting Act ( FCRA ). Furnishers are failing their duty under FCRA 623 to report accurately, and the bureaus are failing under FCRA 611 to conduct reasonable reinvestigations. 
For example, XXXX XXXX is reporting a Term Duration field even though collections must not report any term. It also reports payment history where Metro 2 requires blank fields for collections, and continues to report Balance History as if it were an open loan, which is prohibited. XXXX is reporting a Past Due Amount even though the account was charged off, when Metro 2 requires past due amounts to be {$0.00} once charged off. It also continues to report monthly payment history after charge-off, when those fields should be blank, and updates the account as if it were still active instead of frozen at the charge-off date. XXXX reports High Credit and Credit Limit values even after closure, which Metro 2 requires to be blank. It also continues to report a Payment History Profile for closed accounts, and shows ongoing balances that do not match the closure or charge-off status. XXXX XXXX is reporting High Credit despite the account being closed, continues to report a Past Due Amount when closed accounts should reflect {$0.00}, and also reports a Payment History Profile when Metro 2 requires blank fields once an account is closed. 
Because these accounts continue to update inaccurately each month, my creditworthiness is being harmed repeatedly. I have been denied credit approvals and apartment applications due to this false reporting. These errors directly impact my ability to obtain housing and fair access to credit. I am requesting that the CFPB require the credit bureaus and furnishers to provide the method of verification used to mark these accounts accurate, to correct or delete the accounts that continue to violate Metro 2 reporting standards, and to ensure payment history, balances, and account statuses are updated to reflect accurate information. The failure of furnishers and credit bureaus to maintain accurate reporting and perform proper investigations is negligent, harmful, and in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

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. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

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. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$8700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$27000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$43000.00} XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
I have made XXXX payments of {$240.00} to this company on a {$1300.00} payday loan. The amoriization table calls for XXXX payments, and the interest rate is XXXX %, meaning the end payoff is {$7700.00}. This company claims to be affiliated with the Minto XXXXXXXX XXXX XXXX. Upon researching complaints filed with the XXXX, it is clear that they are predatory lenders. I have revoked authorizaion of auto-debit payments, and wish to report them to your bureau for predatory lending. They have received {$1600.00} in profit off of my loan of {$1300.00}. Hundreds of people have filed complaints aganst Minto Money yet no government agency has shut them down. I refuse to make any further payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> I made a purchase of XXXX Which was XXXX plus tax for an injector set and intake manifold from XXXX  XXXX XXXX XXXX. After not receiving any tracking information for several weeks I cancelled the order. I contacted PayPal and opened case XXXX to ensure I was refunded my payment. After this was resolved on the XXXX of XXXX I noticed they had not refunded the tax XXXX on the order and I called to have that refunded. XX/XX/XXXX I made purchase of XXXX from XXXX. XX/XX/year> XXXX XXXX for the XXXX was opened then later I received the refund. XXXX I purchased plane tickets XXXX XXXX XX/XX/year> I was charged again for the XXXX. I live chat with XXXX XXXX and had this refunded as well. So then my account was finally settled and moved on. Randomly XX/XX/year> I was charged to my ( non credit card ) PayPal account XXXX again but not to my pay pal credit card, which is the only way I purchased orders. I called the customer service center and spoke to XXXX at XXXX who was able to see the error and said they failed to clear the temporary credit once the refund was processed and cause the random negative balance on the PayPal account that I dont use. XXXX of XX/XX/year> I called and spoke to XXXX and he said he sees it will be resolved soon. After I investigated all my transactions and payments, I discovered when they failed to clear the temporary credit when the refund processed it had went through as a payment and cleared a purchase I made and created a credit in my account. I paid the negative balance on the XXXX of XX/XX/year> today the XXXX XX/XX/year> I checked my PayPal account for all transactions and seen they charged my credit card now on the XXXX for the same thing after I paid the negative balance of the XXXX on the PayPal account I dont use. This is very clearly extortion and illegal. They illegally charged my account and the illegally charged my credit card after satisfying the negative balance they, without authorization, charged to my other account.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Account name : XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXXXXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-08-22 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:
Please remove all incorrect name variations ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ), outdated addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and incorrect/incomplete DOB entries XXXX 

Accounts in Dispute Collections XXXX. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Balance : {$1200.00} | Date Opened : XX/XX/XXXX Dispute : Account information incorrect ( balance/dates inconsistent ) & account status incorrect. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Balance : {$2000.00} | Date Opened : XX/XX/XXXX Dispute : Missing Date of First Delinquency ( DOFD ). Balance unverifiable. 

XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) Balance : {$980.00} | Date Opened : XX/XX/XXXX Dispute : Account reporting incomplete, no full payment history. 

XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3500.00} | Date Opened : XX/XX/XXXX Dispute : Balance and delinquency dates factually inconsistent ; Metro 2 requires DOFD. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} | Date Opened : XX/XX/XXXX Dispute : Status charged off but missing payment history & compliance fields. 

XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$1200.00} | Date Opened : XX/XX/XXXX Dispute : Inaccurate DOFD and balance. Status coded incorrectly as delinquent. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute : Public record information inaccurate. XXXX  can not pull directly from XXXX  courts ; third-party data is often incomplete/unverifiable. 



Legal Basis FCRA 602 ( A ), 607 ( b ), 611 Requires accuracy ; unverifiable or incomplete information must be corrected or deleted.

FCRA 609 Grants right to know sources and method of verification.

FDCPA 807 Prohibits misrepresentation of debt.

Metro 2 Standards Require consistent DOFD, accurate status codes, and complete reporting fields.

Demand for Action I request that Equifax conduct a reinvestigation within 30 days of receipt of this dispute. If any of the above items can not be fully verified with original documentation from the original creditors and the XXXXXXXX XXXX XXXXXXXX ( not third-party databases ), they must be deleted immediately. 

Additionally, please provide me : A written response with the results of your reinvestigation The method of verification used for each item Failure to comply will leave me no choice but to seek remedies under 15 U.S.C. 1681n and 1681o, including statutory damages, legal costs, and attorneys fees. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 disputing a reported late payment that is factually incorrect. My records clearly show all payments were made on time. This false entry misrepresents my payment history and is unjustly harming my creditworthiness.

Company response to consumer: Closed with explanation