vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am submitting this formal complaint regarding inaccurate and misleading information being reported on my consumer credit file. Despite my efforts to ensure accuracy, the following items continue to be reported incorrectly, in violation of the Fair Credit Reporting Act ( FCRA ), which requires information to be complete, accurate, and properly verified. 

XXXX. Incorrect Late Payment Reporting The following accounts are reporting late payments that are factually incorrect. I have never made a late payment on these accounts. The reported payment history does not reflect my true account activity and has not been properly verified. 

XXXX XXXX XXXX High Balance : {$100000.00} Date Opened : XX/XX/XXXX Issue : Incorrect late payment reporting XXXX XXXX XXXX High Balance XXXX {$3100.00} Date Opened : XX/XX/XXXX Issue : Incorrect late payment reporting XXXX XXXXXXXX High Balance XXXX {$7500.00} Date Opened : XX/XX/XXXX Issue : Incorrect late payment reporting These inaccurate late payment entries must be corrected immediately to reflect a fully accurate payment history or removed if they can not be properly substantiated. 

2. Unverified Charge-Off Account Not Mine The following account is being reported as a charge-off. I have no knowledge of this account, and it is not mine. I did not open, authorize, or agree to this account. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$28000.00} Date Opened : XX/XX/XXXX Issue : Charge-off account not recognized and unverified If this account can not be fully verified with proper documentation, it must be deleted from my credit file immediately. 

XXXX. Unauthorized Credit Inquiries The following inquiries appear on my credit report without my authorization. I did not give written or verbal consent for these inquiries. 

XXXX XXXX dated XX/XX/XXXX XXXX  Inquiry dated XX/XX/XXXX Unauthorized inquiries are impermissible under the FCRA and must be removed. 

Requested Resolution I am requesting that the CFPB investigate this matter and require the involved furnishers and credit reporting agencies to : Correct all inaccurate late payment reporting Delete the unverified charge-off account that is not mine Remove all unauthorized credit inquiries Ensure my credit report reflects only accurate, complete, and properly verified information Thank you for your attention to this matter. I expect full compliance with federal credit reporting laws and a prompt resolution.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Cavalry Portfolio Services , LLC and their continued attempts to collect and potentially report an alleged debt that has not been properly verified. 



After disputing the alleged account, Cavalry Portfolio Services claimed to have provided verification and stated that collection activity could resume. However, the materials provided do not meet the verification requirements under the Fair Debt Collection Practices Act ( FDCPA ). 



The documents supplied consist of generic XXXXXXXX XXXX cardmember agreements, billing statement excerpts, and promotional purchase summaries. These documents do not establish that Cavalry Portfolio Services has legal standing to collect this debt, nor do they prove that I agreed to the alleged obligation. 



Specifically, Cavalry Portfolio Services failed to provide : A complete chain of title or assignment showing lawful ownership of the account A copy of any agreement bearing my signature An itemized accounting showing how the alleged balance was calculated Proof that Cavalry Portfolio Services is legally authorized to collect this debt from me Despite the lack of proper verification, Cavalry Portfolio Services stated that collection efforts may resume. This is a violation of 15 U.S.C. 1692g ( b ), which requires collection activity to cease until proper verification is provided.

Additionally, if this account is being reported to any consumer reporting agency, such reporting is inaccurate and unverified, constituting a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-12-16 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: OH

Complaint narrative:
Its been XXXX years and TransUnion have failed to provide any required documentation on these unauthorized accounts reporting on my credit report the first account is XXXX which is the same account I been deemed fraudulent TransUnion has verified this account as accurate, and on the credit report shows the account have been charged of since XXXX, which is a tax write off, as of XXXX TransUnion is still reporting the account as late payments causing me harm and personal injury, TransUnion sent me a certified letter stating I was apart of the data breach during this same time frame that this fraud account has been on my report, also XXXX, XXXX XXXX XXXXXXXX and XXXX inquiries that I did not authorize and I dont have a account with no company that have inquiries on my account TransUnion XXXX refused to remove these fraudulent accounts which is a violation of my consumer protection rights, violation of the XXXX XXXX and multiple federal violations including a cease and desist on all unauthorized negative accounts that was sent to your company to monitor this fraud and nothing was In forced not one law or consumer protection law Experian is doing the same thing with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX no verification letter, chain of custody or no documentation with a contract showing Im responsible for a debit, which have caused me direct harm and personal injury.

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 2025-12-16 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: HI

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: HI

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing to formally dispute and request the immediate deletion of the bankruptcy entry currently appearing on my credit report. The information being reported is inaccurate, unverifiable, and does not meet the requirements under the Fair Credit Reporting Act ( FCRA ). 


Requesting for your immediate attention. Thank you.

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 2025-12-16 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: MS

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Under FCRA 611 Incorrect Delinquency Reporting During Creditor-Approved Accommodation To Whom It May Concern, I am filing a formal dispute under FCRA 611 regarding inaccurate information furnished about my account with XXXX XXXX XXXX XXXX account number XXXX. 


Nature of the Inaccuracy The creditor approved a hardship/accommodation for me on [ insert date ]. During the accommodation period, the creditor was required under the CDIA Metro-2 reporting standards to report the account using the appropriate accommodation code ( for example : Account in forbearance, Deferred, or other applicable code ). 

Instead, the creditor reported late payments, which is factually incorrect and materially misleading. 


Why This Furnisher Reporting Violates FCRA Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information that is accurate and can not report misleading or incorrect information.

Because the account was not delinquent but was under an approved accommodation, the current reporting is inaccurate.

Requested Investigation and Correction I request that your agency : Initiate an ACDV verification with the furnisher.

Correct the account to reflect the proper hardship/accommodation status using the correct Metro-2 code . 
Remove all late-payment notations for any month covered by the accommodation period. 
Provide a copy of the updated results once the investigation is complete. 


Attached are documents confirming the creditor-approved accommodation. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX Last Four of XXXX : XXXX Account Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax LLC for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 611 ( a ) ( 5 ) ( B ), regarding the illegal reinsertion of accounts that were previously deleted from my credit file. The following accounts were removed after a prior dispute and reinvestigation approximately one month ago, yet Equifax has unlawfully reinserted them without providing the legally required certification or notice : XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is strictly prohibited from reinserting previously deleted information unless the furnisher certifies the accuracy and completeness of the data, and the consumer is provided written notice of reinsertion within five ( 5 ) business days. Equifax failed on both counts. I received no written notice, no proof of certification, and no documentation showing compliance with the statute. This omission constitutes a clear and serious violation of federal law By reinserting these accounts without proper certification or notification, Equifax has demonstrated negligent or willful disregard for its statutory obligations, resulting in inaccurate reporting and ongoing harm to my credit profile. This conduct undermines the integrity of the credit reporting system and violates my consumer rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
These accounts are not mine and should be removed within 15 days in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraud alert that is on my credit report. Attached is a letter authorizing the removal along with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am disputing numerous inaccurate, outdated, and misleading entries on my credit reports from Equifax, Experian, and TransUnion. My XXXX XXXX XXXX shows conflicting last activity dates across bureaus ( XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax, XX/XX/XXXX on TransUnion ) while maintaining the same balance of {$910.00}, violating FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 5 ). XXXX XXXX XXXX accounts are similarly inconsistent, with last activity dates of XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ), and XX/XX/XXXX ( TransUnion ) for balances of {$1000.00}. XXXX accounts report last activity from XXXX but are listed on Equifax as recently as XX/XX/XXXX, while XXXX XXXX XXXX XXXX has conflicting dates across all bureaus for a {$10000.00} balance. XXXX XXXX XXXX is reported on Equifax only with a last activity of XX/XX/XXXX, but missing on Experian and TransUnion, violating FCRA 605 ( c ), 623 ( a ) ( 1 ) ( A ), and FDCPA 807, 808, and 809. Additionally, XXXX  inquiries from XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) appear inaccurately, some beyond the reporting period, violating FCRA 604 ( a ), 605 ( a ), and 611. These errors have materially harmed my creditworthiness, and repeated attempts to resolve directly with the credit bureaus have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 numerous inaccurate, outdated, and misleading entries on my credit reports from Equifax, Experian, and TransUnion. My XXXX XXXX XXXX shows conflicting last activity dates across bureaus ( XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax, XX/XX/XXXX on TransUnion ) while maintaining the same balance of {$910.00}, violating FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 5 ). XXXX XXXX XXXX accounts are similarly inconsistent, with last activity dates of XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ), and XX/XX/XXXX ( TransUnion ) for balances of {$1000.00}. XXXX accounts report last activity from XXXX but are listed on Equifax as recently as XX/XX/XXXX, while XXXX XXXX XXXX XXXX has conflicting dates across all bureaus for a {$10000.00} balance. XXXX XXXX XXXX is reported on Equifax only with a last activity of XX/XX/XXXX, but missing on Experian and TransUnion, violating FCRA 605 ( c ), 623 ( a ) ( 1 ) ( A ), and FDCPA 807, 808, and 809. Additionally, XXXX  inquiries from XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) appear inaccurately, some beyond the reporting period, violating FCRA 604 ( a ), 605 ( a ), and 611. These errors have materially harmed my creditworthiness, and repeated attempts to resolve directly with the credit bureaus have failed.

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 2025-12-16 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: GA

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I deny any connection to these accounts and ask that they be removed within XXXX  days 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