vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report. Despite prior disputes, the credit reporting agencies and furnishers have failed to correct or remove the errors as required under federal law. This complaint is submitted pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act where applicable. 
DISPUTED ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Issue : Late Payment Reporting Dispute Statement : This account is reporting late payments that are inaccurate. I have no record of any late payments associated with this account. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report accurate information only. If late payments can not be verified with proper documentation, the payment history must be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting Dispute Statement : This account shows late payment information despite a XXXX balance. Reporting negative payment history without factual support violates the accuracy and completeness requirements of the FCRA. I am requesting correction of the payment history to reflect accurate information only. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting Dispute Statement : This account is duplicated on my credit report and reports late payments inaccurately. Duplicate and inaccurate reporting violates XXXX XXXX. XXXX and XXXX ( b ). I am requesting removal of the duplicate entry and correction of any inaccurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting Dispute Statement : This account reflects late payments that do not align with my records. Any unverifiable late payment reporting must be corrected or removed pursuant to 15 U.S.C. 1681i ( a ). 
DISPUTED ITEMS UNAUTHORIZED INQUIRIES XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Dispute Statement : This inquiry lacks my authorization and must be deleted under the FCRA. 
REQUEST FOR CFPB ASSISTANCE I am requesting CFPB assistance to ensure that the credit reporting agencies and furnishers comply with federal law. Any information that can not be verified must be corrected or deleted immediately. Continued reporting of inaccurate or unverified data reflects a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681i.

Thank you for your assistance in enforcing compliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-23 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:
I am very upset to find that inaccurate late payments continue to show on my credit report today. They did not disappear after refreshing the page, which is incredibly frustrating, and I am demanding that the documents I sent be thoroughly examined right away so this problem is fixed without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & Tra nsUnion cre
dit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-12-23 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/year>, I entered into a XXXX auto lease agreement through XXXX XXXX XXXX XXXX The lease was a joint account with an original amount of {$18000.00}. I fulfilled all payment obligations throughout the lease term, and the account was closed/paid in full upon lease termination. 
Despite the account being paid and closed with a XXXX balance, XXXX XXXX XXXX continues to report a " Late XXXX  Days '' payment status on my credit file with all three credit bureaus ( XXXX, XXXX, and XXXX  ). This derogatory late payment notation is inaccurate and unverifiable. 
I have disputed this information directly with the credit bureaus, requesting verification of the alleged late payment including : the specific payment due date that was allegedly missed, the date payment was actually received, proof of proper late payment notification, and complete payment history documentation. To date, no adequate verification has been provided. 
The continued reporting of this unverified derogatory information violates the Fair Credit Reporting Act 's requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). The furnisher has failed to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ).

This inaccurate late payment notation is damaging my credit score and my ability to obtain favorable credit terms. I am requesting that XXXX XXXX XXXX either provide documentary evidence supporting the late payment allegation or delete the derogatory notation from my credit file immediately.

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 2025-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: NC

Complaint narrative:
Hello, I was recently working with XXXX XXXX with US Bank ( NMLS # XXXX ) to secure financing for a new home with True Homes ( builder for XXXX XXXX in XXXX, XXXX  ). He divulged all of my financial information directly to the seller/builder w/o my consent. This caused delays in me being able to progress through my building/purchase process. Although he is a preferred provider for the builder, he does not have the right to give personal credit and income information to them, as a way to maintain his position as my primary lender and working with the seller to force me to agree to a loan that I wasn't comfortable with. I had to go with another lender, who was willing to offer other terms. However, the seller insisted that my new lender align with financial information that was provided by XXXX. This should not have occurred, as I should be able to choose a whichever lender that I prefer with being bullied or cornered by a seller or preferred lender.

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 2025-12-23 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: CT

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-23 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:
RE : Formal Identity Theft Block Request Under FCRA 605B & Dispute of Fraudulent Accounts, Inquiries, and Personal Information. 
To Whom It XXXX Concern : I am submitting this letter to formally invoke my rights under FCRA 605B, as I am a documented victim of identity theft. My personal identifying information was compromised during the XXXX XXXX XXXXXXXX XXXX, as confirmed by Equifax ( XXXX XXXX. XXXX ). 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-12-23 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: FL

Complaint narrative:
RE : Formal Identity Theft Block Request Under FCRA 605B & Dispute of Fraudulent Accounts, Inquiries, and Personal Information. 
To Whom It XXXX Concern : I am submitting this letter to formally invoke my rights under FCRA 605B, as I am a documented victim of identity theft. My personal identifying information was compromised during the XXXX XXXX XXXXXXXX XXXX, as confirmed by Equifax ( XXXX XXXX. XXXX ). 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: OH

Complaint narrative:
XXXX continues to assert that reasonable outreach occurred prior to reporting a XX/XX/year> XXXX delinquency ; however, no verifiable documentation has been provided identifying the dates, methods, or destination of any alleged contact. 

All of my contact information has been accurate and up to date. My mailing address and email address were correct and active during the relevant period, and email was listed as my primary method of communication. No change occurred that would have prevented delivery of electronic or mailed correspondence. I received no electronic notices prior to the delinquency being reported. The only electronic communication I received was sent after the delinquency had already appeared on my credit report. 

At the time of the alleged phone outreach, no phone number was on file. A phone number was added on XX/XX/year>, after the delinquency had already been reported. Any claim of phone contact prior to that date is therefore unverifiable. When alleged call dates and timestamps were provided verbally, I cross-referenced them with my XXXX call logs and found no corresponding incoming or attempted calls. I have formally requested complete call records from XXXX covering XXXXXXXX XXXX 

When I formally requested documentation substantiating EdFinancials outreach claims, including call logs or correspondence records, I was advised such documentation could not be provided without a court order. This prevents independent verification and directly contradicts EdFinancials claim that outreach occurred.

Additionally, during a recorded call with EdFinancial on XX/XX/year>, at XXXX PM ( call duration XXXX minutes and XXXX seconds ), I was advised that I would receive a follow-up call within XXXX hours regarding escalation of this dispute. No such call has occurred. This failure to follow through further undermines EdFinancials assertion that reasonable and timely contact efforts were made. 

I have fulfilled my obligation to maintain accurate and current contact information. Absent documented and verifiable notice prior to adverse credit reporting, the XX/XX/year> delinquency is inaccurate under the Fair Credit Reporting Act. I am requesting removal or correction of the reported delinquency due to failure of notice and inability to substantiate outreach claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
This is affecting my life... I am writing to formally dispute the verification process used to validate the following account ( s ) on my credit report. According to Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the method and proof of verification used to determine the accuracy of this information. The account in question is as follows : This account is on Equifax, Experian, and Transunion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX {$590.00} balance XX/XX/year> I believe this account may have been verified inaccurately or without sufficient proof. As per my rights under the FCRA, I am requesting : 1. The name, title, and contact information of the person who verified the account. 2. The specific method used to verify the account. 3. Documentation supporting the verification decision. 4 ) Was I in-person at any point during the application and approval process? If your investigation can not produce sufficient proof to substantiate this account, I request that it be removed from my credit report immediately. Please consider this a formal request under Section 611 of the FCRA. I kindly ask for your response within the 30-day time frame as required by law. Failure to provide the requested proof or remove the inaccurate information will leave me no choice but to pursue legal action to ensure my rights are upheld. Attached to this letter are copies of my identification and supporting documents to facilitate your investigation. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX Enclosures : - Copy of government-issued ID - Utility Bill

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 2025-12-23 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 the accuracy of the following accounts listed under the charged-off section. The balances or account statuses appear to be incorrect. Please review and correct these entries. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/year>, XXXX : {$3300.00}

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 non-monetary relief
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I recieved a letter from my bank XXXX XXXX informing me that my Zelle Pay Account has be cancelled and I was no longer eligible to use Zelle.The Bank representative informed me that there was nothing they XXXX XXXX could do as Zelle is a seperate service... Zelle will not take complaints or calls to customer service.. My Bank said they do this all the time and apparently a complaint was lodged against me and Zelle closed my account without any reply...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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