vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: OH

Complaint narrative:
I was trying to get a new truck when I saw several unkown accounts on my credit fi le from companies I have never done business with. I am disputinga FCRA 15USC 1681 AND FDCPA 15 USC 1692 Unverifi able accounts : 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 I have reported these items to CFPB and XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau I am submitting this complaint because my consumer rights are being violated through the reporting of inaccurate addresses, unverifiable accounts, and unauthorized inquiries on my credit report These errors have caused me financial harm, loss of credit opportunities, and severe distress Despite my efforts to dispute these matters directly with the credit reporting agencies and furnishers they have failed to take corrective action The FCRA requires accuracy, proper verification, and lawful reporting of information but in my case these obligations are not being met I am therefore bringing this to CFPB so that my concerns are formally investigated and addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a collection with a balance of {$620.00}, opened XX/XX/XXXX. I dispute this reporting because no proof of contract, billing, or assignment of debt has been provided. Under the FDCPA, debt collectors must provide validation upon request, and under the FCRA you are obligated to remove unverifiable accounts. I have not received any validation showing I owe this amount. Reporting a debt without verification is a violation of both laws. Furthermore, the continued presence of this account, despite my disputes, demonstrates non-compliance with 611 ( a ) regarding reinvestigations. Unless full proof of ownership and balance is produced, this collection must be deleted from my file. 

XXXX XXXX  XX/XX/XXXX Inquiry I also dispute this inquiry as unauthorized. At no point did I seek mortgage credit that would permit XXXX  XXXX to access my file. Each unauthorized pull is a separate violation of federal law. This entry must be deleted immediately. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry is reported without my consent. I did not authorize XXXX XXXX  to view my file, nor was any permissible purpose established. Under FCRA 604 ( a ), inquiries require explicit authorization. The continued appearance of this inquiry on my report is a violation of law, and I demand its deletion.

I respectfully request that CFPB investigate these violations and ensure full compliance with the FCRA and related consumer protection laws The wrong address must be deleted the unverifiable charge off account must be removed and the unauthorized inquiry must be deleted from my credit file Accurate reporting is a requirement under federal law not an option and continued noncompliance places me in financial harm I trust that CFPB will hold the responsible parties accountable and take action to restore the accuracy and integrity of my credit report Thank you for your time and attention to my complaint.

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 2025-09-29 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: TX

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be 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 explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and inconsistent reporting of a XXXX XXXX account ( Account # [ last XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my credit reports with Experian, Equifax, and TransUnion. 

Upon review of my XXXX credit report ( dated XX/XX/XXXX ), I identified the following inaccuracies : XXXX. Conflicting Dates of Last Activity : Experian and TransUnion list XX/XX/XXXX, while Equifax lists XX/XX/XXXX. These can not all be correct. 
XXXX. Dispute Status Reporting : Experian indicates the account is disputed under the FCRA, while Equifax and TransUnion state the account is not disputed. This creates confusion and violates my rights under FCRA XXXX ( a ). 
XXXX. Inconsistent Account Status/Descriptions : Experian : Closed / XXXX XXXX XXXX XXXX XXXX 
Equifax : Closed/ Seriously past due / Telephone Companies. 
TransUnion : Closed / XXXX Account. 
These materially conflict with each other. 
XXXX. XXXX XXXX : The account is reported as closed yet continues to show a balance of {$590.00}. A closed account should not simultaneously reflect an active past-due balance unless accurately reported as a third-party collection. 

These inconsistencies violate FCRA XXXX ( b ), which requires consumer reporting agencies to assure maximum possible accuracy, and FCRA XXXX, which requires proper handling of disputes and consistency across reports. 

I am requesting : A reinvestigation of this XXXX XXXX account. 
Correction or permanent removal of this account from all three credit bureaus if the furnisher can not verify accurate, consistent, and lawful reporting. 
Written confirmation of the results within 30 days, as required under FCRA XXXX ( a ) ( XXXX ). 

Enclosed are copies of the relevant credit report excerpts highlighting the errors. 

Thank you for your prompt attention to this matter. Please advise me of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BANK OF AMERICA , N.A . a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BANK OF AMERICA , N.A . 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 2025-09-29 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
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 XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00}

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 2025-09-29 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: MA

Complaint narrative:
I am filling a acomplaints inaccurate late payment information being reported on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported 30 days late twice in XXXX XXXX XXXX  account shows a {$0.00} balance but is still reported with derogatory history, which is misleading. The XXXX account is being reported with inconsistent data. Most concerning, the XXXX  account reflects two separate 30-day late payments in the same month ( XX/XX/year> ), which is inaccurate and unfairly damages my credit profile.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure maximum possible accuracy of all reported information ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation when a consumer disputes an entry ( 15 U.S.C. 1681i ). The reporting of duplicate or unverifiable late payments is not consistent with these requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filling a acomplaints inaccurate late payment information being reported on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported 30 days late twice in XXXX XXXX XXXX  account shows a {$0.00} balance but is still reported with derogatory history, which is misleading. The XXXX account is being reported with inconsistent data. Most concerning, the XXXX  account reflects two separate 30-day late payments in the same month ( XX/XX/year> ), which is inaccurate and unfairly damages my credit profile.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure maximum possible accuracy of all reported information ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation when a consumer disputes an entry ( 15 U.S.C. 1681i ). The reporting of duplicate or unverifiable late payments is not consistent with these requirements.

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 2025-09-29 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:
I am filing this dispute because my credit file is showing accounts that are inaccurate and unauthorized. I did not open these accounts, I did not approve them, and I was never informed of their addition. On top of that, the details reported vary across the bureaus, which is a violation of the FCRA, 15 U.S.C. 1681e ( b ) requiring credit bureaus to report with maximum accuracy.

This also breaks 15 U.S.C. 1681i, which obligates bureaus to investigate disputes and remove or correct false information within 30 days, as well as 15 U.S.C. 1681g, which gives me the right to complete and accurate disclosures of my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$850.00} 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/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 non-monetary relief
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account listed below were returned as " verified '' without providing me with the details of the investigation. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally bank closed my account on XX/XX/XXXX and has failed to return funds from an IRS-issued check i deposited online in the beginning of XX/XX/XXXX. Ally Bank also claims the funds were " returned to the IRS '' in XX/XX/XXXX, but the IRS confirms they have not received the check, refund, or any return record. Ally Bank has also provided false XXXX lead numbers that are invalid, in the month of XXXX and XXXX of 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 2025-09-29 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: TN

Complaint narrative:
I am filling a complaint inaccurate late payment information being reported on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/year> reported 30 days late XXXX XXXX This account is reported with a late payment in XX/XX/year>, even though the balance is {$0.00}. Reporting a zero-balance account with derogatory late payment history is misleading and does not accurately reflect my financial obligations. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy of reported information ( 15 U.S.C. 1681e ( b ) ) and must conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ). Continuing to report inaccurate or unverifiable late payment information violates these provisions and unfairly damages my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filling a complaint inaccurate late payment information being reported on my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/year> reported 30 days late XXXX XXXX This account is reported with a late payment in XX/XX/year>, even though the balance is {$0.00}. Reporting a zero-balance account with derogatory late payment history is misleading and does not accurately reflect my financial obligations. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy of reported information ( 15 U.S.C. 1681e ( b ) ) and must conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ). Continuing to report inaccurate or unverifiable late payment information violates these provisions and unfairly damages my creditworthiness.

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 2025-09-29 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: NC

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I am filing this dispute because my credit file is showing accounts that are inaccurate and unauthorized. I did not open these accounts, I did not approve them, and I was never informed of their addition. On top of that, the details reported vary across the bureaus, which is a violation of the FCRA, 15 U.S.C. 1681e ( b ) requiring credit bureaus to report with maximum accuracy.

This also breaks 15 U.S.C. 1681i, which obligates bureaus to investigate disputes and remove or correct false information within 30 days, as well as 15 U.S.C. 1681g, which gives me the right to complete and accurate disclosures of my file.

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