vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion for Failure to Correct Inaccurate Payment History and Billing Error Reporting I am submitting this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and incomplete payment history on my credit report, despite proper disputes and documentation provided directly by me. I want to make it clear that this dispute was submitted by me personally, not by any third party. 

Basis of Complaint Upon review of my credit file, I identified multiple late payment notations that are inaccurate and constitute billing errors under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Specifically : Failure to accurately reflect payments made or credits issued. 

Computation and accounting errors by the creditor. 

Failure to provide billing statements at least 21 days prior to the due date, which means late payments should not have been recorded. 

Despite these clear errors, the credit bureaus have continued to report the accounts with late payments and have not provided lawful verification. 

Disputed 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  Violations The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
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.

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 a 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 antedates 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 2025-09-04 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: OH

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.

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 a 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 antedates 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 2025-09-04 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: FL

Complaint narrative:
b'I am submitting this complaint as a diligent and concerned consumer regarding inaccurate late payment reporting on my credit report associated with my student loan account serviced by XXXXUpon reviewing my credit report, I noticed the following delinquencies on this account:\n\n90 days late as of XXXX  days late during XXXX XXXX XXXX XXXX XXXX\nThese late payment entries appear inconsistent with standard credit reporting practices. Typically, late payments are reported in a sequential progression30 days, then 60, 90, and finally 120 days late. However, in this case, the reporting skips directly to severe delinquencies (90 and 120 days late) without any preceding 30- or 60-day late entries in the prior months. This raises significant concerns about the accuracy and completeness of the reported data.\n\nUnder the Fair Credit Reporting Act (FCRA):\n\nSection 1681e(b) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.\n\nSection 1681i(a)(1)(A) gives me the right to dispute and request reinvestigation of incomplete or inaccurate information.\n\nSection 1681s-2(a)(1)(A) prohibits furnishers from reporting information they know (or should know) is inaccurate.\n\nSection 1681s-2(b)(1)(D) requires data furnishers to reasonably investigate disputes and correct or delete inaccurate or unverifiable data.\n\nDespite raising this issue, the inaccuracies persist on my report. I believe this may be the result of automated or incorrect data reporting practices that do not reflect my true payment history.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'I am submitting this complaint as a diligent and concerned consumer regarding inaccurate late payment reporting on my credit report associated with my student loan account serviced by XXXXUpon reviewing my credit report, I noticed the following delinquencies on this account:\n\n90 days late as of XXXX  days late during XXXX XXXX XXXX XXXX XXXX\nThese late payment entries appear inconsistent with standard credit reporting practices. Typically, late payments are reported in a sequential progression30 days, then 60, 90, and finally 120 days late. However, in this case, the reporting skips directly to severe delinquencies (90 and 120 days late) without any preceding 30- or 60-day late entries in the prior months. This raises significant concerns about the accuracy and completeness of the reported data.\n\nUnder the Fair Credit Reporting Act (FCRA):\n\nSection 1681e(b) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.\n\nSection 1681i(a)(1)(A) gives me the right to dispute and request reinvestigation of incomplete or inaccurate information.\n\nSection 1681s-2(a)(1)(A) prohibits furnishers from reporting information they know (or should know) is inaccurate.\n\nSection 1681s-2(b)(1)(D) requires data furnishers to reasonably investigate disputes and correct or delete inaccurate or unverifiable data.\n\nDespite raising this issue, the inaccuracies persist on my report. I believe this may be the result of automated or incorrect data reporting practices that do not reflect my true payment history.'

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 2025-09-04 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: MI

Complaint narrative:
The XXXX  record being reported is inaccurate and can not be verified as required by the Fair Credit Reporting Act ( FCRA ). XXXX XXXX, including the XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX, do not furnish consumer information to credit bureaus. The information on my report was obtained from a third-party vendor such as XXXX or XXXX, which is not the original furnisher of data. Because the court itself does not report to Experian, the information can not be verified directly with the source. This record is incomplete and/or outdated and should be deleted or suppressed from my credit file unless Experian can obtain direct verification from the court itself, which is not possible. Please remove this public record entry.

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 2025-09-04 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: MI

Complaint narrative:
The XXXX  record being reported is inaccurate and can not be verified as required by the Fair Credit Reporting Act ( FCRA ). XXXX XXXX, including the XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX, do not furnish consumer information to credit bureaus. The information on my report was obtained from a third-party vendor such as XXXX or XXXX, which is not the original furnisher of data. Because the court itself does not report to Experian, the information can not be verified directly with the source. This record is incomplete and/or outdated and should be deleted or suppressed from my credit file unless Experian can obtain direct verification from the court itself, which is not possible. Please remove this public record entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 writing to formally dispute inaccurate late payment information currently appearing on my credit report. After reviewing my report, I have identified the following accounts that are incorrectly reporting late payments that do not align with my records or payment history. 
XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-04 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the reported XXXX XXXX ( XXXX ) account with partial account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

After reviewing my credit reports from TransUnion and Experian, I have identified multiple errors, inaccuracies, and contradictory reporting that constitute clear violations of FCRA 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ), which require that reported information be accurate, verifiable, and consistent.

Specific errors identified : 1. Inconsistent balance : Experian reports High Balance = {$0.00}, while TransUnion reports High Balance = {$1300.00}. This is contradictory.

2. Contradictory dates : TransUnion shows Date of Last Activity = XX/XX/XXXX, while Experian shows = XX/XX/XXXX. 
TransUnion shows Closed Date = XX/XX/XXXX, while Experian does not report a closed date.

3. Confusing account status : Both agencies report the account as closed while simultaneously showing it as Charge-off/Collection, which is misleading.

4. Inconsistent comments : TransUnion states : Charged off as bad debt / Account information disputed by consumer, meets FCRA requirements. 
Experian states : Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
These contradictions create confusion regarding the dispute status.

5. Inconsistent past due amount : TransUnion reports Past Due Amount = {$1100.00} Experian reports Past Due Amount = {$1100.00} The same debt can not have different amounts across different bureaus.

6. Incomplete information : Experian does not include the closed date or the date of last verification ; TransUnion does not report the payment history.

Legal violations : FCRA 607 ( b ) : Requires credit reporting agencies to report accurate information.

FCRA 623 ( a ) ( 1 ) : Prohibits reporting false or contradictory information.

FCRA 611 : Grants me the right to dispute inaccurate information and mandates a timely investigation.

FDCPA 807 ( 8 ) : Prohibits representing misleading or inconsistent information regarding a debt.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), credit reporting agencies must ensure maximum possible accuracy and may not reinsert disputed information without furnisher certification and proper notice. The accounts and inquiries listed in my file are not 100 % accurate and violate my rights under the Fair Credit Reporting Act ( FCRA ).

These violations include : 15 U.S.C. 1681 602 ( a ) : I have the right to privacy, which has been violated by the inclusion of accounts and inquiries I did not authorize.

15 U.S.C. 1681b ( a ) ( 2 ) ( 604 ( a ) ( 2 ) ) : A consumer reporting agency can not furnish accounts or inquiries without my written instruction. These were reported without my authorization. 

I have requested the original signed agreements, applications, and terms & conditions for these accounts, but they have not been provided. Failure to provide such verification forfeits the claim that the accounts are valid and requires deletion under the FCRA. 

I am a victim of identity theft. I did not open or authorize these accounts or inquiries. I reported the theft to the Federal Trade Commission ( FTC ) and attached the FTC Identity Theft Affidavit as proof. Despite this, the accounts remain on my file.

I am requesting that the CFPB ensure the permanent deletion of these items, that all unverifiable information is blocked from being reported, and that the credit reporting agency provides certified verification if they claim any item is accurate.

In addition, TransUnion, XXXX XXXX has recently acknowledged a data breach, which raises serious concerns that the inaccuracies in my file XXXX be related to compromised or mixed information. This makes it even more critical that TransUnion maintain maximum possible accuracy and provide full verification of disputed items as required under the Fair Credit Reporting Act ( FCRA ). 

The disputed items include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

This reporting is inaccurate, unverifiable, and harmful to my credit standing. I am requesting that the CFPB ensure TransUnion complies with the FCRA by deleting these items permanently, providing me with the legally required Method of Verification, and taking additional steps to protect consumers affected by the breach.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), credit reporting agencies must ensure maximum possible accuracy and may not reinsert disputed information without furnisher certification and proper notice. The accounts and inquiries listed in my file are not 100 % accurate and violate my rights under the Fair Credit Reporting Act ( FCRA ).

These violations include : 15 U.S.C. 1681 602 ( a ) : I have the right to privacy, which has been violated by the inclusion of accounts and inquiries I did not authorize.

15 U.S.C. 1681b ( a ) ( 2 ) ( 604 ( a ) ( 2 ) ) : A consumer reporting agency can not furnish accounts or inquiries without my written instruction. These were reported without my authorization. 

I have requested the original signed agreements, applications, and terms & conditions for these accounts, but they have not been provided. Failure to provide such verification forfeits the claim that the accounts are valid and requires deletion under the FCRA. 

I am a victim of identity theft. I did not open or authorize these accounts or inquiries. I reported the theft to the Federal Trade Commission ( FTC ) and attached the FTC Identity Theft Affidavit as proof. Despite this, the accounts remain on my file. 

I am requesting that the CFPB ensure the permanent deletion of these items, that all unverifiable information is blocked from being reported, and that the credit reporting agency provides certified verification if they claim any item is accurate.

In addition, XXXX, XXXX, and Experian has recently acknowledged a data breach, which raises serious concerns that the inaccuracies in my file may be related to compromised or mixed information. This makes it even more critical that TransUnion maintain maximum possible accuracy and provide full verification of disputed items as required under the Fair Credit Reporting Act ( FCRA ). 

The disputed items include XXXX XXXX ( Acct ending XXXX ), XXXX  XXXX ( Accts ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This reporting is inaccurate, unverifiable, and harmful to my credit standing. I am requesting that the CFPB ensure XXXX  complies with the FCRA by deleting these items permanently, providing me with the legally required Method of Verification, and taking additional steps to protect consumers affected by the breach.

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