vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: FL

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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-10-02 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: TX

Complaint narrative:
THIS ITEM IS STILL BEING REPORTED INCORRECTLY AS LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Experian ( proof attached, original letters sent had wet signature, proof of address/DL and Social Security Card ). I demanded Method of Verification and original supporting documentation for multiple accounts. 

Experians results letter dated XX/XX/XXXX confirmed they deleted one child support tradeline XX/XX/XXXXXXXX ), which proves prior reporting was inaccurate. However, Experian marked other tradelines as verified without providing MOV or documentation. Instead, they instructed me to contact the creditor directly, which does not satisfy their FCRA obligation under 611 ( a ) ( 7 ). 

Experian also continues to report duplicate or inaccurate items despite clear evidence : Child Support Remaining Tradeline : Reporting arrears without calculation or audit. My son was legally emancipated on XX/XX/XXXX ; no arrears may accrue after this date. Ongoing wage withholding is not reflected, making the reporting misleading and inaccurate under Metro 2. 

XX/XX/XXXXXXXX Acct XXXX : Reported as a collection, but no DOFD proof, no chain of title, and no original creditor agreement were provided. Marked verified without substantiation. 

XX/XX/XXXX XXXX Acct XXXX : Derogatories reported post-closure, which is factually impossible. No validation of balance or delinquency claims was provided. 

XX/XX/XXXXXXXX XXXX Acct XXXX : Listed as charged-off/sold, but Experian provided no balance reconciliation, assignment records, or Metro 2-compliant coding. 

XX/XX/XXXXXXXX XXXX Acct XXXX : Reported as charged-off/closed, but no original contract, billing statements, or DOFD records were provided. XX/XX/XXXXXXXX is also facing litigation for misreporting sold/charged-off accounts, which increases concern. 

All closed/charged-off/sold accounts : Reporting without full documentation is misleading and violates FCRA 607 ( b ).

Hard inquiries : Several remain with no permissible purpose under FCRA 604 ( a ) ( 3 ). Experian has failed to provide proof of consumer authorization.

Laws Violated FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification.

FCRA 607 ( b ) Duty to assure maximum possible accuracy.

FCRA 604 ( a ) ( 3 ) No permissible purpose for several hard inquiries.

Metro 2 Guidelines DOFD, charge-off, and collection coding errors.

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 2025-10-02 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Willful FCRA Violations- Failure to Delete Discharged Debt Following Proper Dispute This complaint supplements and incorporates by reference CFPB Complaint IDs XXXX and XXXX, filed XX/XX/year>, against XXXX  Division of Child Support and XXXX XXXX Division of Child Support respectively . All documentary evidence submitted with those complaints, including bankruptcy discharge orders, credit reports, and registration documents, is hereby incorporated and should be considered integral to this complaint. 
This complaint incorporates all evidence previously submitted in CFPB Complaints XXXX and XXXX. Experian 's continued reporting despite federal bankruptcy discharge constitutes willful FCRA violation requiring immediate regulatory intervention.

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 2025-10-02 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: GA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX  XXXX This account is fraudulent and completely inaccurate. It was opened without my authorization and is the direct result of identity theft. You are required to block and remove it under FCRA 605B. 

XXXX  XXXX XXXX This account is fraudulent and completely inaccurate. It was not authorized by me and was opened using stolen identity information. You are required to block and remove it under FCRA 605B. 

XXXX XXXX This account is fraudulent and completely inaccurate. It does not belong to me and reflects identity theft activity. You are required to block and remove it under FCRA 605B. 

XXXX XXXX This account is fraudulent and completely inaccurate. It was not authorized by me and is the result of identity theft. You are required to block and remove it under FCRA 605B. 

XXXX XXXX XXXX This account is fraudulent and completely inaccurate. It was opened without my authorization, is tied to identity theft, and must be blocked and removed under FCRA 605B. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information. 
15 U.S.C. 1681s-2 Failure of furnishers to report accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX  XXXX This account is fraudulent and completely inaccurate. It was opened without my authorization and is the direct result of identity theft. You are required to block and remove it under FCRA 605B. 

XXXX  XXXX XXXX This account is fraudulent and completely inaccurate. It was not authorized by me and was opened using stolen identity information. You are required to block and remove it under FCRA 605B. 

XXXX XXXX This account is fraudulent and completely inaccurate. It does not belong to me and reflects identity theft activity. You are required to block and remove it under FCRA 605B. 

XXXX XXXX This account is fraudulent and completely inaccurate. It was not authorized by me and is the result of identity theft. You are required to block and remove it under FCRA 605B. 

XXXX XXXX XXXX This account is fraudulent and completely inaccurate. It was opened without my authorization, is tied to identity theft, and must be blocked and removed under FCRA 605B. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information. 
15 U.S.C. 1681s-2 Failure of furnishers to report accurate data.

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 2025-10-02 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: NC

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights.

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX  XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent and inaccurate. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Furnishers reporting inaccurate/unverifiable data.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint doubles as a formal debt validation request to Jefferson Capital Systems, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that Jefferson Capital Systems is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I requested to close my Ally Bank account, but they are refusing without giving me a clear explanation or timeline. I have validated all transactions and am not under any legal investigation to my knowledge. I believe Ally is violating my rights under my account agreement and request intervention.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am reporting inaccurate credit reporting and possible FCRA violations by Wells Fargo Bank , N.A . ( WFBNA CARD ). 

This account was closed by the credit grantor on XX/XX/XXXX and charged off. However, Wells Fargo ( or the credit bureaus ) continue to re-age the account by changing the Reported or Date of Status field to XX/XX/XXXX, as shown in my recent XXXX  report via XXXX XXXX. 

Changing the reported date after charge-off is illegal under FCRA 623 ( a ) ( 5 ). This practice artificially extends the life of the derogatory mark and misleads creditors.

I request the CFPB to investigate and require Wells Fargo to : Restore the accurate closure and status date ( XX/XX/XXXXXXXX  ) Remove any unlawful re-aging or re-reporting dated XXXX Confirm compliance in writing. 

Attached are two screenshots showing the contradiction : ( 1 ) Account details showing closure on XX/XX/XXXX ( 2 ) Current XXXX  report showing Reported : XX/XX/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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

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 : 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

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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 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