vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and validity of one or more collection accounts currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a reasonable reinvestigation of any item I believe to be inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires data furnishers ( such as collection agencies ) to investigate and respond to disputes within 30 days. 

Over 30 days ago, I submitted a method of verification request directly to the collection agencies reporting the following accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX As of today, I have not received any documentation or response from the reporting agencies verifying the accuracy, ownership, or legitimacy of these debts. According to 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified during the reinvestigation, the credit reporting agency must promptly delete it from the consumer 's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 non-monetary relief
Consumer complaint received 2025-07-10 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 2025-07-10 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-10 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: FL

Complaint narrative:
I am disputing a XXXX  XXXX bankruptcy listed by TransUnion and/or Equifax. XXXX  has removed the record, which indicates this may be inaccurate or unverifiable. 

Ive submitted disputes requesting verification, including documentation proving discharge and XXXX clean report. Under FCRA 1681i, information that can not be verified must be removed. 

I requested a Method of Verification, and the bureaus failed to confirm it was verified directly with the original bankruptcy court. 

I am requesting the CFPB to assist in removing this potentially false public record, which is damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am submitting this complaint due to Equifax willful negligence in maintaining and reporting inaccurate information on my consumer credit report. Despite multiple attempts to dispute, XXXX  continues to report incorrect addresses, unverifiable derogatory accounts, and unauthorized inquiries, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXX XXXX XXXX : Credit report accessed without my consent. 
Law Violated : FCRA 604 ( a ) ( 3 ), 611 Story : I have no recent application or engagement with XXXX XXXX. The hard pull is completely unauthorized and impacting my profile unfairly. 
XXXX. XXXX XXXX XXXX Issue : Unauthorized inquiry. 
Law Violated : FCRA 604 Story : This inquiry was conducted without notice or justification. I did not authorize this access, and TransUnion failed to confirm a valid reason for allowing it. 
XXXX. XXXX XXXX Issue : Inaccurate inquiry reported. 
Law Violated : FCRA 604 ( a ) ( 3 ) Story : I do not recognize this entity and did not consent to any inquiry. This appears to be a case of mistaken identity or mixed file. 
XXXX. XXXX XXXX XXXX Issue : Unauthorized access to my credit file. 
Law Violated : FCRA 604, 611 Story : I have never applied for credit from this company. They did not have my written or verbal consent to access my XXXX  report. 
FINAL STATEMENT : XXXX has repeatedly violated my rights under the Fair Credit Reporting Act by reporting false addresses, failing to verify or delete disputed derogatory accounts, and allowing unauthorized inquiries to remain on my report. These errors are impacting my credit score, loan eligibility, and overall financial stability. 
I respectfully request the CFPB investigate these violations, instruct Equifax to delete all inaccurate entries, and hold them accountable under FCRA 616 and 617 for willful noncompliance, including statutory and punitive damages if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I am disputing with TransUnion a report of a debt I do not owe on my credit report that I previously disputed. Transunion is stating on file number XXXX ( letter attached ) that they ( Transunion ) has no record of a credit report for me, yet TransUnion has XXXX derogatory item reported on my TransUnion report. This was an auto insurance policy with " XXXX an XXXX '' company that I paid in full. Its been over four years since I cancelled my XXXX policy! This is old information. However, now four ( 4 ) years after cancellation XXXX  has inaccurately reported numerous inaccuracies including wrong coverage dates, and balances on TransUnion. Additionally XXXX has erroneously reported that I opened the account with them in XXXX of XXXX. This is inaccurate because I have proof direct from XXXX email confirmations that my coverage with XXXX actually started in XXXX of XXXX not XXXX of XXXX as inaccurately reported. I am requesting my dispute be honored and for TransUnion, XXXX  and an unauthorized entity unknown to me named " XXXX XXXX XXXX '' to remove/delete this derogatory error from my credit report because I do not owe XXXX  any money. The policy was paid in full when I cancelled XXXX over four years ago. 
Please see proof for my coverage start date from XXXX in XXXX of XXXX and from XXXX in XXXX of XXXX not XXXX in XX/XX/XXXX. 
Attachments included

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 2025-07-10 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: GA

Complaint narrative:
I am writing to formally dispute certain information appearing on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), the Fair Credit Billing Act ( 15 USC 1666 et seq. ), and the Truth in Lending Act ( 15 USC 1637b ).

Specifically, I am contesting the following : The listing of the account reported as current, with the remarks indicating Managed by credit counseling, which I believe is inaccurate and misleading. 
The failure to correct or remove inaccurate information despite my previous request. 
Any associated violations of my rights under federal law as detailed below. 
Legal Violations : 1. 15 USC 166b Fair Credit Billing Act : This statute mandates that billing errors, including inaccurate or incomplete information, must be corrected promptly. Continued reporting of incorrect account status or payment history violates my rights under this law.

2. 15 USC 1637b Fair Credit Billing Act : This section requires creditors to provide timely and accurate billing statements and corrections. If my dispute regarding the account status or billing errors has not been resolved, this constitutes a violation.

3. 15 USC 1681s-2 Responsibilities of furnishers of information to credit bureaus : This section obligates furnishers to ensure the accuracy of the information they report. Willful or negligent failure to correct inaccurate information after notice breaches this obligation.

Request for Action : Immediately investigate and verify the accuracy of the disputed information. 
Correct or delete any inaccurate or incomplete information from my credit report. 
Provide me with written confirmation of the results of your investigation and any actions taken. 
Cease reporting any inaccurate information as required under federal law. 
Please find attached copies of relevant documentation supporting my dispute. 

I request a response within the timeframe mandated by law ( generally 30 days ). Failure to comply may result in further legal action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-10 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
On XX/XX/year>, I made payment arrangements with Ally Credit Card after missing the due date on the XXXX. I then paid as agreed in XXXX, XXXX, and XXXX, yet Ally reported me as 30, 60, 90, and 120 days late during that period. I was never notified that my payments were considered late or in arrears. When I contacted Ally for clarification, I was told the policy was in the fine print or relayed verbally, but no written notice or phone recording has been provided. Regardless, I believe I was misled, and these negative credit marks do not accurately reflect my efforts to meet the agreed-upon terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-10 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: NY

Complaint narrative:
This account is currently showing a delinquent status, which is incorrect. I would like it to be disputed and updated to reflect no late payments.

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 2025-07-10 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:
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 2025-07-10 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: TX

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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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 response to consumer: Closed with explanation