vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am not disputing the validity of the account ( XXXX ) themselves, but the inaccurate and/or unverifiable late payment information associated with them. 
I am requesting the immediate and permanent deletion of only the late payment notations, while preserving all accurate positive history. 
Disputed Accounts and Issues XXXX XXXX  Accounts : XXXX, XXXX Late payments reported after account closure Conflicting remarks : Dispute Resolved, Account Delinquent, and Consumer Disputes Inaccurate payment status reported differently across all XXXX bureaus XXXX XXXX XXXX XXXX Account : XXXX XXXX day late payments reported after account closed Consumer Dispute Resolved remark without sufficient validation Violation of timely reinvestigation procedures Legal Violations : 15 U.S.C . 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting late payments after an account is closed without full verification is inaccurate and misleading.

15 U.S.C. 1681i ( a ) ( 1 ) : Upon receiving a dispute, credit bureaus must conduct a reasonable reinvestigation. If the information can not be verified with original documentation, it must be deleted within 30 days. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate, including unjustified late payments.

15 U.S.C. 1666b : Creditors can not impose late fees or report late payments unless payment was due at least 21 days prior. Many late entries are invalid under this rule.

15 U.S.C. 1637b : Requires full transparency and disclosure for credit reporting. Failing to explain the cause of a late payment on a closed account violates this law. 
15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with these laws allows consumers to sue for damages, attorneys fees, and punitive damages.

Action Requested I respectfully request that these inaccurate late payment entries be removed. If your investigation can not fully verify them with original, signed documentation within 30 days, you are required to delete them under FCRA 1681i ( a ) ( 5 ) ( A ). 
Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General. I also reserve the right to pursue legal action. 
Please provide written confirmation that the late payment information has been permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: DISCOVER BANK
State: MO

Complaint narrative:
To Whom It May Concern, I'm writing to formally dispute inaccurate information reporting on my credit file regarding the Discover account ( XXXX ). Despite multiple disputes and communications, the credit bureaus have continued to inaccurately report this account as a charge-off, with multiple charge-offs spanning from XXXX through XXXX. This is completely false and misleading. 

This account was settled and closed, not charged off. I reached a settlement agreement with Discover, and the account was closed accordingly. The current reporting grossly misrepresents the nature and status of this account, and it is damaging my credit profile without justification. 

Furthermore, the credit bureaus have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Simply verifying the data with the furnisher ( in this case, Discover ) without conducting a full and fair review does not meet the standard set forth in the FCRA. I am requesting that this entry be properly updated to reflect the accurate status : " Account Closed Settled ''. The repeated reporting of multiple charge-offs over a multi-year span is not only inaccurateits irresponsible. 


This letter serves as formal notice under the FCRA that I am demanding an immediate and thorough reinvestigation of this item. If you are unable to verify this information with complete and accurate documentationincluding evidence of any alleged charge-offsthen this item must be deleted or corrected to reflect the proper status. 

Failure to properly investigate and correct this error will leave me no choice but to escalate the matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal counsel for FCRA violations.

Please send me written confirmation of the results of your reinvestigation within the required 30-day timeframe. I expect this matter to be resolved promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-11 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: Self Financial Inc.
State: FL

Complaint narrative:
Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/year> Subject of Complaint : Creditor : Self/South State Bank Account Number ( last 4 digits ) : XXXX Credit Bureau : XXXX  Type : Credit reporting issue Improper reporting of account status Complaint Description : I am filing this complaint to dispute inaccurate and potentially unlawful credit reporting by Self/South State Bank , as reported to XXXX. 

The account listed under Self/South State Bank with a reported balance of {$130.00} is being reported as charged off. I have not received any proper notification, billing statements, or communications regarding this account being delinquent or placed in charge-off status, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. 

I formally requested debt validation and supporting documentation from the data furnisher but have not received the original agreement, itemized statement, or evidence of debt ownership and charge-off terms. Reporting a charge-off without proper validation or notice is misleading and damaging to my credit. 

This item is negatively affecting my credit profile and creditworthiness. I believe it is either inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
XXXXDear Sir or Madame, XXXXI am writing to formally notify you, Pursuant to the Fair Credit Reporting Act(FCRA) and united states code title 15 6802-6805, that as a federally protected consumer, I have opted out of any presumed or implied authorization for Comenity Bank or any of its affiliates, non affiliates such as DEBT BUYERS, partners or successors to report false or derogatory information regarding my credit profile. Specifically, I object to any continued or future reporting of information that is inaccurate, outdated. Or misleading, including any accounts that have been: XXXXCharged off and subsequently sold to third-party DEBT BUYERS; XXXXRe-aged or re- reported in violation of the FCRAs time-barred provisions; XXXXAssociated with DEBT BUYERS such as Midland Credit Management, who have no privity of contract with me and are attempting to collect on zombie debt that is either discharged/charged off, time-barred or otherwise. The actions of these third-party entities constitute fraudulent misrepresentation and false reporting, and I consider it a direct violation of my rights under the FCRA and other consumer protection laws. Reporting such debts, particularly when they are no longer legally enforceable or are based on no valid contractual relationship, is a gross mischaracterization of my consumer standing and an attack on my personal and financial integrity.. As such, I am issuing a formal demand that: 1. Comenity Bank  cease and desist from further furnishing any false or unverifiable information to the credit reporting agencies. 2. Take immediate action to correct and delete any derogatory tradelines resulting from improper reporting or third- party DEBT SALES. 3. The tradelines associated with Midland Credit Management be immediately removed from all credit bureaus, as their presence is false, misleading and constitutes fraud. Furthermore, DEBT BUYERS have created an empire business buying old zombie debt to XXXX cents on the dollar while going after the people for FULL amount, and are not being collected for original creditor.  DEBT BUYERS THEN TAKE YOUR DATA that was sold to them and hijack your credit report and change the original creditor reflecting themselves when there is no privity of contract with this DEBT BUYER. Pursuant to 18 USC 3571, "Slavery" (Forced compliance to contracts not held). This is conspiracry to defraud the people. I reserve all rights afforded to me under the FCRA, the Fair Debt Collection Practices Act(FDCPA), and any other applicable federal or state statues. I also reserve the right to pursue further legal remedies if compliance is not met in a timely and lawful manner. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
All three major credit bureausXXXX, XXXX, and TransUnionare currently reporting a late payment on my credit file for an account with XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a past due balance of {$0.00}. I am formally disputing this reporting as inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The most immediate and obvious issue is that this account shows a {$0.00} past due balance, which means it is no longer delinquent or outstanding in any capacity. Despite this, all three bureaus are continuing to publish a derogatory late payment history attached to it. Reporting a late payment on an account that reflects no current delinquency or outstanding debt is not only misleading, it undermines the accuracy and fairness of the credit reporting process. This entry misrepresents my current financial standing and artificially depresses my credit score based on outdated or irrelevant information.

Under the FCRA, particularly 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in the information they report. When a consumer disputes information, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that the bureaus conduct a reasonable reinvestigation, and under 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be deleted or corrected. In this case, the presence of a derogatory mark without any present past due balance constitutes incomplete and misleading reporting. It creates a false narrative of financial delinquency when, in fact, there is none.

I have not received any documentation from the bureaus or from XXXX XXXX  that would justify the continued reporting of this late payment as both accurate and relevant. Nor has there been any verification that the entry conforms with FCRA reporting guidelines for accounts that are resolved but still display derogatory indicators. Without such documentation, I have every reason to believe this listing is a product of stale data or a failure to update the accounts status in a timely and accurate manner.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A purchase was charged to my Debit Card via cell phone on XX/XX/year>2025. I did not have my cell phone on the date of the transaction and explained to Wells Fargo that I rely on my corporate phone during the majority of the week. They asked if my phone was stolen and I said no because I have it in my possession at the moment but not on the day of the transaction as that was an in XXXX XXXX for me and I can not bring my personal phone with me. They said that if it was not stolen that I must have made the charge and I said I didnt know if it was stolen, all I know is I didnt make the charge and phone was in my home where I left it. They asked if I had other people in my home and I said yes. They said they would put in a claim and I hear back in 10-11 business days. I initiated this claim on XX/XX/XXXX when I saw the large {$930.00} and a small {$31.00} charge I did not recognize made in XXXX charged on my account. The description is in XXXX. They can check the tolls and cameras, I havent been to XXXX in 6 months, so how could I have been there on XX/XX/XXXX to make this large purchase on my account. I heard back today XX/XX/XXXX that my claim was denied. I spoke with Wells Fargo to initiate an appeal and they said they do not offer an appeal option. They also explained they denied my claim because my debit charge was charged via phone. My claim number is XXXX. Please help.

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 2025-06-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am reporting multiple fraudulent credit card accounts that were opened and charged off without my knowledge or consent. These accounts were not authorized by me, and I have never had access to them, made payments on them, or received any benefit from them. 

The accounts are : Navy Federal Credit Union Reporting a charge-off with a balance of {$4800.00} and multiple delinquencies I am not responsible for. 
XXXX XXXX XXXXXXXX XXXX Reporting a charge-off for {$450.00}. I have never opened an account with XXXX or conducted any business with them. 
XXXX XXXX Reporting a charge-off for {$6500.00}. This account shows high utilization and long-term delinquency that I had no knowledge of until checking my credit report. 

These accounts are the result of identity theft. I have submitted an FTC Identity Theft Report and will also be filing a police report. I am requesting that all three accounts be removed from my credit file and permanently blocked from being reported under my name in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I send them a letter requesting for more information but no one respond to me.

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 2025-06-11 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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