vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-14 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

This is my fourth dispute regarding the continued reporting of inaccurate late payment entries on my credit file. Despite multiple disputes over several months, none of the credit bureaus have provided legally sufficient verification of the disputed items. The repeated failure to correct or remove this inaccurate information violates federal law. 

Disputed Accounts Late Payment ( Open ) XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  These late payments appear to be the result of billing errors under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days before the due date, making the late payment reporting invalid The credit bureaus have failed to : Provide documentary proof substantiating the accuracy of these late payments Identify the method of verification and the furnishers contact information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Correct or remove the inaccurate information within the legally required time frame Their continued inaction demonstrates willful noncompliance, making them liable under 15 U.S.C. 1681n for willful violations and 15 U.S.C. 1681o for negligent violations.

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 2025-08-14 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: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

This is my fourth dispute regarding the continued reporting of inaccurate late payment entries on my credit file. Despite multiple disputes over several months, none of the credit bureaus have provided legally sufficient verification of the disputed items. The repeated failure to correct or remove this inaccurate information violates federal law. 

Disputed Accounts Late Payment ( Open ) XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  These late payments appear to be the result of billing errors under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days before the due date, making the late payment reporting invalid The credit bureaus have failed to : Provide documentary proof substantiating the accuracy of these late payments Identify the method of verification and the furnishers contact information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Correct or remove the inaccurate information within the legally required time frame Their continued inaction demonstrates willful noncompliance, making them liable under 15 U.S.C. 1681n for willful violations and 15 U.S.C. 1681o for negligent violations.

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 2025-08-14 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: OH

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-14 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 against Equifax for their continued reporting of a late payment account on my credit report which is XXXX  XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding these inaccurate entries, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Under FCRA 623 and FDCPA 809 ( b ), you are prohibited from continuing collection efforts, including reporting this debt to credit bureaus, until you provide the requested validation.

Failure to respond with proper validation within 30 days will be considered a refusal to validate and a violation of federal law, which may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Accountsee attached document These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Account XXXX acredit card account that is explicitly marked as " Closed '' However, the " Payment summary '' section for 2025 shows " CO '' ( likely indicating " Charge-Off '' ) entries for multiple months, even after the account was closed Potential FCRA Violation : The presence of " CO '' ( Charge-Off ) entries in the payment summary for a closed account, especially in months after the account 's closure date, could indicate a violation of the Fair Credit Reporting Act ( FCRA ) related to inaccurate or outdated reporting of information.

Specifically, this could fall under : Reporting an account as active when it was closed : While the account status is " Closed, '' the ongoing " CO '' entries in the payment summary might suggest that activity or reporting related to the debt is still being incorrectly presented as ongoing, which could be a violation if the account is not actively being managed or if these reflect re-aged debts. 
Furnishing and reporting inaccurate information : If the " CO '' entries imply new charge-offs on a previously closed account, or if the account was closed in good standing and is now inaccurately reflecting negative activity, it could be a violation of the FCRA 's requirement for accurate reporting. The FCRA mandates that information on credit reports must be complete and accurate. Furnishers and credit reporting agencies have responsibilities to ensure the accuracy and integrity of consumer information reported.

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 2025-08-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CO

Complaint narrative:
I called in to MaxLend XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and got a XXXX  day payoff. so I could send a cashier check to pay off this loan. Then I went to XXXX on XX/XX/XXXX to overnight a cashiers check and XXXX said I could not use XXXX XXXX XXXX, XXXX ND XXXX and they needed physical address. So I looked on the internet on XX/XX/XXXX and found next to their XXXX XXXX their physical address. So put the physical address XXXX XXXX XXXX XXXX, XXXX, ND XXXX. I sent the check off on XX/XX/XXXX and thought the next day I would call MaxLend on XX/XX/XXXX to say here is the routing number for the check to payoff my loan. Then I was told they do not do physical address and will only accept payment from their XXXX XXXX XXXX XXXX, ND XXXX address and that it would still take XXXX weeks to process and I would still be responsible to pay interest every day until the time they process my cashier check, therefore I XXXX still owe interest that has to be paid. So now i am trying to stop fedex from deliver the check to the physical address because agent said on XXXX XXXX XXXX not physical address and would not answer my question if Maxlend resided at XXXX XXXX XXXX XXXX XXXX, ND XXXX. Mind you I believe I have already made around XXXX payments for {$560.00} each ( total {$4500.00} ) for a {$3700.00} loan and trying to get it paid off and was sending a cashiers check to the physical address which I was told after I called can only send to XXXX XXXX XXXX {$3500.00} to try and pay off loan and then told you can do ACH or Debit card. If you do cashier check it XXXX week processing and you have to pay interest daily until paid. My credit union didn't believe that so I added the on the line with me to talk to the agent on XX/XX/XXXX and that agent said XXXX weeks and yes would have to pay additional interest up to date of processing over and above the cashiers check I sent then. Now that could be a couple XXXX more dollars in interest. I need to know what I can do and how I can let others know what they are getting into. Because when I first made the loan they said XXXX month and then oops its XXXX  months because computer made the error and to late to change,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains collection accounts that I believe include inaccurate information. 
Under my rights in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report.

I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Follow-Up : Reinvestigation Request XXXX  XXXX Account ( Acct : XXXX ) To : Equifax Dispute XXXX Address : XXXX XXXX  XXXX, XXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax Dispute Team, I am writing to follow up on my formal reinvestigation request regarding the XXXX XXXX XXXX  XXXX XXXX account ending in XXXX, originally submitted on XX/XX/XXXX via the CFPB portal. I understand this complaint may have been marked as a duplicate ; however, the disputed items remain unresolved and merit a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

Disputed Items : - Charge-Off Amount ( {$740.00} ) : Appears inflated and may include non-principal fees. 
-Payment History : CO status reported monthly after XX/XX/XXXX despite a payment on XX/XX/XXXX. 
- Date of First Delinquency ( XX/XX/XXXX ) : Potentially inaccurate or unsupported. 
- Credit Limit vs. High Credit : * * High credit exceeds the limit, suggesting improper fee inclusion. 
- Comments Section : Charged Off Account and Account Closed By Credit Grantor may be unverifiable or misleading. 

Requested Action : Please conduct a full reinvestigation of these discrepancies. If XXXX XXXX can not verify the accuracy of these entries in compliance with Metro 2 and FCRA standards, I request that the tradeline be corrected or removed from my credit report. 

I expect confirmation of receipt and a resolution within the 30-day window mandated by the FCRA. Please send all correspondence to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation