vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/year>2025 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : 1. AFFIRM XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX  XXXX Account Number : XXXX 4. XXXX  XXXX Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you, 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 2025-06-02 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include XXXX XXXX entries, incorrect XXXX and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to XXXX XXXX XXXX information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also XXXX XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused XXXX to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-02 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of late payments on my credit report. Specifically, my account with XXXX XXXX XXXX XXXX ( Account # XXXX ) is being reported differently across credit bureaus : Experian reports several months as 60 days late TransUnion reports those same months as 90 days late Equifax shows different or inconsistent data for the same periods I filed a formal dispute with Experian and provided screenshots showing the inconsistencies. Despite this, Experian rejected the dispute without correcting or fully investigating the clear factual discrepancies. This contradicts the requirements under the Fair Credit Reporting Act ( FCRA ), which mandates that information be accurate, complete, and verifiable ( 15 U.S.C. 1681i ).

These reporting errors are harming my credit profile and are not supported by any documentation provided to me. I am requesting the CFPB to investigate this matter and require the data furnishers and credit reporting agencies to either : Correct the inconsistent reporting across all three credit bureaus Remove the inaccurate late payments entirely due to unverifiable and conflicting data I have attached supporting documents, including my dispute letter, a discrepancy summary table, and screenshots showing the inconsistent reporting across bureaus.

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 2025-06-02 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: IL

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of late payments on my credit report. Specifically, my account with XXXX XXXX XXXX XXXX ( Account # XXXX ) is being reported differently across credit bureaus : Experian reports several months as 60 days late TransUnion reports those same months as 90 days late Equifax shows different or inconsistent data for the same periods I filed a formal dispute with Experian and provided screenshots showing the inconsistencies. Despite this, Experian rejected the dispute without correcting or fully investigating the clear factual discrepancies. This contradicts the requirements under the Fair Credit Reporting Act ( FCRA ), which mandates that information be accurate, complete, and verifiable ( 15 U.S.C. 1681i ).

These reporting errors are harming my credit profile and are not supported by any documentation provided to me. I am requesting the CFPB to investigate this matter and require the data furnishers and credit reporting agencies to either : Correct the inconsistent reporting across all three credit bureaus Remove the inaccurate late payments entirely due to unverifiable and conflicting data I have attached supporting documents, including my dispute letter, a discrepancy summary table, and screenshots showing the inconsistent reporting across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-02 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: IL

Complaint narrative:
These accounts carry inaccuracies across all three credit bureaus which is illegal. I am demanding that they are removed and deleted immediately! 

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 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  has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
On XXXX, my credit monitor notified me that my credit rating was in the negative due to delinquency on my XXXX XXXX I called and spoke to a XXXX representative, expressing concern regarding the report to the credit bureau that I missed the payment of my XXXXXXXX XXXX XXXX account. 
After a brief conversation with XXXX XXXX, I paid in full, and XXXX agreed to remove the late fee but not the late payment report. 
On XXXX, I called XXXX and spoke to a supervisor. I expressed my concern that the payment balance was not sent to me by text or email per the setup alert, which caused my late payment delinquent report. 
As my credit history of payment to XXXX was always on time up to the XXXX the late payment report At this point, I would like XXXX to remove the late payment delinquency from my FICO credit report. 
Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
I am writing to formally dispute a fraudulent account reported on my Equifax credit file. I have submitted both a police report and documentation from XXXX XXXX indicating that this account was the result of identity theft. 

Despite submitting these materials, Equifax has not removed the account or acknowledged the supporting documentation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which requires the removal of fraudulent information when a valid police report is provided. 

I am requesting immediate removal of the fraudulent account, and confirmation that my documentation has been reviewed and processed appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX {$4800.00}

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 explanation
Consumer complaint received 2025-06-02 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:
These are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LEXISNEXIS
State: OH

Complaint narrative:
15 U.S. Code 1681 ( b ) Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. The Federal Equal Credit Opportunity Act is a civil rights law that prohibits lenders from discriminating against credit applicants based on protected characteristics like race, color, religion, national origin, sex, marital status, age, public assistance, or the exercise of certain rights. It aims to ensure equal access to credit for all creditworthy applicants, promoting fairness in lending practices. 15 U.S. Code 1691 ( c ) If a financial institution determines that a loan underwriter or other officer or employee of a financial institution, or any affiliate of a financial institution, involved in making any determination concerning an application for credit should have access to any information provided by the applicant pursuant to a request under subsection ( b ), the financial institution shall provide notice to the applicant of the access of the underwriter to such information, along with notice that the financial institution may not discriminate on the basis of such information.

( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

( Pub. L. 90321, title I, 112, May 29, 1968, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 2107. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

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 explanation
Consumer complaint received 2025-06-02 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Credit Bureau Name XXXX XXXX XXXX  Consumer Disclosure Center is XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Investigation and Removal of Inaccurate Information Under FCRA Dear \ [ XXXX  ], I am writing to formally dispute the following inaccurate item ( s ) on my credit report as provided to me by your agency. This letter serves as a request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, for a reinvestigation of the disputed information and its prompt removal if found to be inaccurate or unverifiable.

The following information appears to be incorrect : Creditor Name : Transworld Systems Inc. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Reason for Dispute : Explain briefly e.g., " This Debt collector is not providing the original Note or ( Deed of Trust ) I am requesting that this item be thoroughly investigated and either corrected or removed if it can not be verified within the time frame required by law ( 30 days from receipt of this letter ). 

Under the FCRA, you are legally obligated to : 1. Conduct a reasonable investigation of any disputed information.

2. Notify the furnisher of the information of the dispute.

3. Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable.

4. Provide me with the results of your investigation and a free copy of my credit report if changes are made as a result.

Enclosed are copies of any supporting documentation I have ( such as billing statements, letters, or identification ) that may help in resolving this matter.

Please confirm in writing that this investigation has been initiated and inform me of the results when completed. If the disputed information is not removed or corrected, I also request a description of the procedure used in the investigation and the name, address, and telephone number of each person contacted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransWorld Inc .

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