vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received an alert from my credit monitoring service that an inquiry was placed on my report from XXXXXXXX XXXX on XX/XX/year> and XXXX XXXX on XX/XX/year>. I never applied or gave permission for any of these companies to pull my credit. I dont have any accounts with them and they do not have any permissiable purpose to place an inquiry on my report.

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 2025-10-15 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 2025-10-15 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against M & T Bank for failing to provide full and verifiable information regarding the account reported under my name. 
This is my first formal dispute regarding this account, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request complete verification and documentation of the information being reported. 
I am requesting that the creditor furnish complete and verifiable documentation, including but not limited to : The original signed contract or agreement bearing my signature ; The complete payment history and accurate balance details ; The dates of account opening, delinquency, and closure ; The method and date of charge-off ( if applicable ) ; The verification of any reporting or data furnished to the credit bureaus. 
To date, the creditor has not provided any documentation or validation to substantiate the information being reported. This constitutes a violation of federal law, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on furnishing inaccurate or unverifiable information ; 15 U.S.C. 1681s-2 ( b ) Obligation to conduct a reasonable investigation and correct errors ; 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information ; 15 U.S.C. 1681e ( b ) Obligation to ensure maximum possible accuracy ; 15 U.S.C. 1681b Requirement of permissible purpose for obtaining or reporting consumer information.

I am requesting that the M & T Bank to provide documented evidence and full verification of this account, including the original contract and all supporting records. 
If the creditor can not provide this proof, I request that the account be immediately deleted from all consumer reporting agencies and that all future reporting cease. 
Attached are supporting documents, including my identification and a copy of my current credit report where this account appears. 
I respectfully request the CFPBs assistance in enforcing compliance with the FCRA and ensuring that this creditor either provides full verification or permanently removes any unverifiable information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-15 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: FL

Complaint narrative:
Violations of Fair Credit Reporting Act : failed to comply with the mandatory 30-day reinvestigation requirement under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). '' All five late payments ( XXXX XXXX  ) removed from your credit reports because XXXX XXXX 's reporting is inaccurate, inconsistent, and unverified across all platforms. XXXX XXXX ( which pulls from bureau data ) reports XXXX late payments XXXX, XXXX, and XX/XX/year>. This reporting is inaccurate and/or incomplete. 

This violates the accuracy and reinvestigation provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ). I demand that the late payments on this account status for these months be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under 30 days past due or otherwise misdated. Please update all three CRAs and provide written confirmation.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Ive found late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, the information in my report must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be properly verified, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Issue Type : Credit reporting Incorrect information on your report Information belongs to someone else/ Not mine / Inaccurate account / Incorrect inquiry Description of the Problem : I am filing this complaint due to multiple inaccurate, unverified, and unauthorized accounts and inquiries being reported by the three major credit reporting agencies ( Experian, Equifax, and TransUnion ). I have previously submitted formal written disputes to each bureau in accordance with the Fair Credit Reporting Act ( FCRA ) and provided all necessary identity verification documents. 

Despite this, many of the following accounts remain unresolved, improperly verified, or not removed : 1. Disputed Collection Accounts : XXXX XXXX  Account # XXXX {$360.00} XXXX XXXX XXXX ( Collection Management ) Account # XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX {$2000.00} These debts are either not mine, not validated, or were assigned incorrectly. The bureaus have failed to provide proper investigation or proof under 15 U.S.C. 1681i and 1681s-2.

2. Negative Accounts in Question : I also dispute several negative tradelines that appear on my credit report without proper validation or that are inaccurately reporting. These include : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX separate accounts ) XXXX XXXX  I have requested validation of these accounts but have not received appropriate responses within the required time frame under the law. 

3. Hard Inquiries Without Authorization : Additionally, my credit report shows inquiries that I did not authorize : Security Finance XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries were made without my consent and do not relate to any applications I submitted. As such, they may violate 15 U.S.C. 1681b ( Permissible Purpose ).

What I Am Requesting : Full and lawful reinvestigation of all disputed items Deletion of any account or inquiry that can not be verified in writing Written response from the credit bureaus with results of investigation Enforcement of FCRA regulations on credit bureaus and furnishers Updated copy of my credit report showing corrections Steps Already Taken : Sent certified dispute letters to all XXXX credit bureaus Provided supporting identity documentation Gave bureaus 30 days per FCRA to respond No sufficient verification or corrections have been made Desired Resolution : Immediate removal of inaccurate, unverifiable, and unauthorized information Written confirmation of completed dispute resolution Bureau compliance with FCRA timelines and requirements Thank you for reviewing this matter. I respectfully request that the CFPB investigate and hold the credit reporting agencies accountable under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date : XX/XX/XXXX To : Portfolio Recovery Associates Re : Formal Demand for Validation Account # XXXX NOTICE OF DISPUTE & DEMAND FOR VALIDATION Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) This letter serves as my formal notice of dispute and demand for complete validation of the alleged debt you have reported to Experian under your company name, Portfolio Recovery Associates , LLC, showing a balance of {$450.00}, opened XX/XX/XXXX, and listed as a Collection Account. 

I dispute the validity, ownership, and amount of this alleged obligation.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity and reporting until full validation is provided. This includes, but is not limited to : 1. A complete Bill of Sale and Assignment of Contract from the original creditor to your company.

2. The entire chain of title demonstrating every legal transfer of this alleged account.

3. A full accounting ledger showing how the alleged balance of {$450.00} was calculated.

4. A copy of the original signed agreement bearing my signature that created this alleged obligation.

5. The name, address, and account number of the original creditor and the date of last payment.

6. Proof that this alleged debt is not time-barred under Georgia law .

Until such documents are produced, you must immediately stop all collection activity, including communications, phone calls, and credit reporting.

Reporting unverifiable information to any consumer reporting agency constitutes a willful violation of both the FDCPA and FCRA, subjecting your company to liability under 15 U.S.C. 1692k, 1681n, and 1681o, including statutory damages, attorneys fees, and costs. 

You have 30 days from receipt of this notice to provide full and verifiable validation. Failure to do so will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office ; and Civil action seeking full relief under federal law for willful noncompliance. 

This serves as your final notice and demand for validation under federal statute. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove this account in my credit report XXXX XXXX dollars XXXX  XXXX dollars XXXX dollars I dont nothing about that account please remove it is fraud

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation