vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally report XXXX XXXX Bank for ongoing violations of federal consumer protection laws in connection with the inaccurate reporting of my open credit card account. Despite being active and in good standing, XXXX XXXX has falsely reported the account as 'Closed ' and has furnished multiple unverifiable late payments, including a XXXX delinquency in XX/XX/year>. These entries are patently inaccurate, legally impermissible, and are causing me demonstrable harm both personally and professionally. I have experienced credit denials, elevated interest rates, and reputational damage that continue to impair my financial standing as a Service-Disabled Veteran and small business owner. The following legal violations apply to XXXX XXXX 's reporting and the credit bureaus ' failure to take corrective action : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing information known to be inaccurate ( false closed status ) 2. FCRA 1681s-2 ( b ) ( 1 ) ( A ) - Failure to reasonably investigate the dispute 3. FCRA 1681s-2 ( b ) ( 1 ) ( D ) - Continuing to report inaccurate data after dispute resolution 4. FCRA 623 ( a ) ( 5 ) - Failure to provide the Date of First Delinquency ( DOFD ) 5. FCRA 605 ( c ) - Illegal re-aging of account delinquency ( reporting a XXXX late with no prior XXXX lates ) 6. FCRA 1681i - Failure of the credit bureaus to conduct a reasonable reinvestigation 7. 15 U.S.C. 1666b - Misreporting payments made on time as late ( Truth in Lending Act ) 8. Violation of XXXX XXXX guidelines- Reporting a XXXX late without proper sequence violates credit industry standards XXXX. Inconsistent furnishing of XXXX XXXX credit bureaus - conflicting reports on account status and delinquencies I have exhausted direct dispute channels. My intent is clear : I demand immediate removal of all inaccurately reported late payments associated with this account. I also demand correction of the account status to reflect that it remains XXXX and in good standing. If XXXX XXXX Bank can not provide documented, verifiable proof of each alleged delinquency, including original billing statements, timestamps of payment receipt, and XXXX, then the Fair Credit Reporting Act mandates that this information be promptly removed. The willful failure to correct these inaccuracies is not only harmful, but it reflects a pattern of noncompliance that has been the subject of regulatory scrutiny and litigation in the past. I request that the Consumer Financial Protection Bureau act with urgency to enforce the law and protect my rights.

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 2025-06-13 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: TX

Complaint narrative:
I am submitting this complaint to formally report XXXX XXXX Bank for ongoing violations of federal consumer protection laws in connection with the inaccurate reporting of my open credit card account. Despite being active and in good standing, XXXX XXXX has falsely reported the account as 'Closed ' and has furnished multiple unverifiable late payments, including a XXXX delinquency in XX/XX/year>. These entries are patently inaccurate, legally impermissible, and are causing me demonstrable harm both personally and professionally. I have experienced credit denials, elevated interest rates, and reputational damage that continue to impair my financial standing as a Service-Disabled Veteran and small business owner. The following legal violations apply to XXXX XXXX 's reporting and the credit bureaus ' failure to take corrective action : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing information known to be inaccurate ( false closed status ) 2. FCRA 1681s-2 ( b ) ( 1 ) ( A ) - Failure to reasonably investigate the dispute 3. FCRA 1681s-2 ( b ) ( 1 ) ( D ) - Continuing to report inaccurate data after dispute resolution 4. FCRA 623 ( a ) ( 5 ) - Failure to provide the Date of First Delinquency ( DOFD ) 5. FCRA 605 ( c ) - Illegal re-aging of account delinquency ( reporting a XXXX late with no prior XXXX lates ) 6. FCRA 1681i - Failure of the credit bureaus to conduct a reasonable reinvestigation 7. 15 U.S.C. 1666b - Misreporting payments made on time as late ( Truth in Lending Act ) 8. Violation of XXXX XXXX guidelines- Reporting a XXXX late without proper sequence violates credit industry standards XXXX. Inconsistent furnishing of XXXX XXXX credit bureaus - conflicting reports on account status and delinquencies I have exhausted direct dispute channels. My intent is clear : I demand immediate removal of all inaccurately reported late payments associated with this account. I also demand correction of the account status to reflect that it remains XXXX and in good standing. If XXXX XXXX Bank can not provide documented, verifiable proof of each alleged delinquency, including original billing statements, timestamps of payment receipt, and XXXX, then the Fair Credit Reporting Act mandates that this information be promptly removed. The willful failure to correct these inaccuracies is not only harmful, but it reflects a pattern of noncompliance that has been the subject of regulatory scrutiny and litigation in the past. I request that the Consumer Financial Protection Bureau act with urgency to enforce the law and protect my rights.

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 2025-06-13 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : XXXX GMFNANCIAL Account Number : XXXXXXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
CFPB Complaint Statement Complainant : XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : XXXX XXXX XXXX and Failure to Comply with FCRA Obligations I am submitting this formal complaint regarding inaccurate, outdated, and unverifiable information appearing on my credit report, which I obtained from XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) and require immediate attention and resolution by the XXXX XXXX XXXX. 

Disputed Items Inaccurate Personal Information Name : XXXX XXXX ( Incorrect variation ) Name : XXXX XXXX ( Incorrect or unrelated ) Date of Birth : XXXX ( Incorrectly listed or formatted ) Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX did not authorize these inquiries and request their immediate removal. ) Negative Accounts that Are Inaccurate or Unverifiable XXXX XXXX XXXX Collection ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Collection ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # 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 Violations of the FCRA The credit bureau has XXXX to comply with its obligations under the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : To follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : To conduct a full, good-faith reinvestigation of each disputed item.

15 U.S.C. 1681i ( a ) ( 5 ) : To delete or correct information that can not be verified.

15 U.S.C. 1681i ( a ) ( 7 ) : To provide a full method of verification upon request. 

15 U.S.C. 1681g : To furnish a complete consumer file disclosure.

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 2025-06-13 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:
CFPB Complaint Statement Complainant : XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : XXXX XXXX XXXX and Failure to Comply with FCRA Obligations I am submitting this formal complaint regarding inaccurate, outdated, and unverifiable information appearing on my credit report, which I obtained from XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) and require immediate attention and resolution by the XXXX XXXX XXXX. 

Disputed Items Inaccurate Personal Information Name : XXXX XXXX ( Incorrect variation ) Name : XXXX XXXX ( Incorrect or unrelated ) Date of Birth : XXXX ( Incorrectly listed or formatted ) Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX did not authorize these inquiries and request their immediate removal. ) Negative Accounts that Are Inaccurate or Unverifiable XXXX XXXX XXXX Collection ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Collection ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # 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 Violations of the FCRA The credit bureau has XXXX to comply with its obligations under the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : To follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : To conduct a full, good-faith reinvestigation of each disputed item.

15 U.S.C. 1681i ( a ) ( 5 ) : To delete or correct information that can not be verified.

15 U.S.C. 1681i ( a ) ( 7 ) : To provide a full method of verification upon request. 

15 U.S.C. 1681g : To furnish a complete consumer file disclosure.

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 2025-06-13 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:
CFPB Complaint Statement Complainant : XXXX XXXX XXXX of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Disputing Inaccurate Late Payment History Billing Error Under 15 U.S.C. 1666 ( b ) I am filing this complaint to dispute inaccurate and potentially unlawful late payment notations reported on my credit report. After reviewing my credit file, I found errors in the payment history for XXXX open accounts reported by XXXX XXXX XXXX. 

I believe these are billing errors as defined under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Specifically : 1666 ( b ) ( 4 ) : The creditor failed to properly reflect a payment or credit on my statement.

1666 ( b ) ( 5 ) : There appears to be a computation or accounting error on the statements. 

Furthermore, I did not receive a billing statement at least XXXX XXXX  before the due date, which is a legal requirement. Without timely notice, I should not be held responsible for any alleged late payments. 

Disputed Items XXXX CHILD XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Late Payment Open Account ) XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Reported Late Payment Open Account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I am a victim of identity theft, and several unauthorized accounts and inquiries appear on my credit report. These items are not mine, and I request their removal in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Attached are a list of the disputed items and my Identity Theft Report filed with the Federal Trade Commission. Please investigate and remove these items from my report as soon as possible. I would appreciate written confirmation once the corrections are made.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-06-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this issue on my credit report. I am frustrated and feel there is error that is still reported on my personal matter which require intentness to my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. 
AMEX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had six late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had six late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief