vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Late Payment Reporting on XXXX XXXX Account Dear Dispute Department, I am writing to formally dispute late payments being reported on my credit file for the following account : Creditor : XXXX  XXXX Account Number ( partial ) : XXXX Opened : XX/XX/XXXX Current Status : Paid or paying as agreed I am requesting an investigation and verification of each late payment being reported. Please provide evidence that XXXX XXXX properly verified these late marks and that they were reported with complete accuracy, including date of delinquency, duration, and circumstances.

Specifically, I am disputing the accuracy of the following reported late payments ( as shown on my reports ) : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that you : 1. Conduct a full investigation by contacting the furnisher ( XXXX XXXX ) for direct verification of each late mark. 
2. Provide me with written documentation that supports the accuracy of these late payments.

3. Delete any late marks that XXXX XXXX is unable to fully verify within the 30-day investigation window.

Please confirm receipt of this letter and provide me with the results of your investigation within 30 days as required by the FCRA. 
Sincerely, 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 2025-07-07 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:
Subject : Dispute of Wrongful Eviction Record XXXX XXXXXXXX, XXXX, TX I am writing to formally dispute an eviction record that has been incorrectly attributed to me in connection with XXXX XXXX XXXX, located in XXXX, Texas. 

I have never lived at, applied to, or signed a lease agreement with XXXX XXXX or any affiliated management company. Despite this, I recently discovered an eviction associated with this property listed under my name. This appears to be the result of a clerical error, identity theft, or credit file mix-up.

This erroneous eviction record is causing damage to my reputation and affecting my ability to secure housing and/or credit. I am requesting that this matter be investigated and that all inaccurate information be corrected or removed from any databases or reports in which it appears.

I am requesting the following actions : A full investigation into this eviction record. 

Written confirmation from XXXX XXXX or the reporting entity showing how this eviction was linked to me, if at all.

Immediate removal or correction of the inaccurate record from all databases, credit bureaus, and tenant screening reports.

Notification to any third parties who may have received or accessed this incorrect information.

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 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TN

Complaint narrative:
I received an initial notice from the collection agency in XX/XX/XXXX regarding an alleged debt. I submitted a written request for debt validation by postal mail before their stated deadline of XX/XX/XXXX, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this, the company reported the debt to the credit bureaus in XX/XX/XXXX without providing me with the required verification. On XX/XX/XXXX, I called the agency and was told that a validation letter had been mailed, but it was sent to the wrong address. During that call, I confirmed and updated my correct mailing address, including my apartment number. 

I followed up again on XX/XX/XXXX, and was told that the validation letter was re-sent on XX/XX/XXXX, but my apartment number was still left off, which again made delivery impossible. As of XX/XX/XXXX, I have still not received any proper verification of the alleged debt. 

In addition, the company has been adding a XXXX XXXX XXXX  charge to the account for every month it remains unpaid. These recurring charges have significantly increased the total balance, despite my timely dispute and their failure to validate the debt. I believe this is a violation of the FDCPA, as they are continuing collection activityincluding adding feeswithout first verifying the debt as required. 

Despite my good-faith efforts, the company continues to report the account to credit bureaus and assess additional fees without complying with federal validation requirements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide ( Certified Mail ) with receipt displaying my signature. If not, please delete account # XXXX immediately from my report or I will have take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX  XXXX ( XXXX  ) XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the accuracy of the reported 30 day late payment on my account under the Fair Credit Reporting Act FCRA 602A and 611.This account is listed as Paid or paying as agreed with no past due balance, which conflicts with the presence of any delinquency. Reporting a late payment under these circumstances is inaccurate and misleading. In accordance with the FCRA, I request a reinvestigation and removal of this inaccurate late payment from my credit file.

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 2025-07-07 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:
they did not remove these thing off my credit report like only address that need to be on the report is XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is a seven years old account should be deleted XXXX  read the paperwork it have XXXX. which mean I should not be seeing it on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
they did not remove these thing off my credit report like only address that need to be on the report is XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is a seven years old account should be deleted XXXX  read the paperwork it have XXXX. which mean I should not be seeing it on my credit report

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Late Payment Reporting on XXXX XXXX Account Dear Dispute Department, I am writing to formally dispute late payments being reported on my credit file for the following account : Creditor : XXXX  XXXX Account Number ( partial ) : XXXX Opened : XX/XX/XXXX Current Status : Paid or paying as agreed I am requesting an investigation and verification of each late payment being reported. Please provide evidence that XXXX XXXX properly verified these late marks and that they were reported with complete accuracy, including date of delinquency, duration, and circumstances.

Specifically, I am disputing the accuracy of the following reported late payments ( as shown on my reports ) : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that you : 1. Conduct a full investigation by contacting the furnisher ( XXXX XXXX ) for direct verification of each late mark. 
2. Provide me with written documentation that supports the accuracy of these late payments.

3. Delete any late marks that XXXX XXXX is unable to fully verify within the 30-day investigation window.

Please confirm receipt of this letter and provide me with the results of your investigation within 30 days as required by the FCRA. 
Sincerely, 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 2025-07-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Late Payment Reporting on XXXX XXXX Account Dear Dispute Department, I am writing to formally dispute late payments being reported on my credit file for the following account : Creditor : XXXX  XXXX Account Number ( partial ) : XXXX Opened : XX/XX/XXXX Current Status : Paid or paying as agreed I am requesting an investigation and verification of each late payment being reported. Please provide evidence that XXXX XXXX properly verified these late marks and that they were reported with complete accuracy, including date of delinquency, duration, and circumstances.

Specifically, I am disputing the accuracy of the following reported late payments ( as shown on my reports ) : XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 30 days late XX/XX/XXXX : 60 days late I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that you : 1. Conduct a full investigation by contacting the furnisher ( XXXX XXXX ) for direct verification of each late mark. 
2. Provide me with written documentation that supports the accuracy of these late payments.

3. Delete any late marks that XXXX XXXX is unable to fully verify within the 30-day investigation window.

Please confirm receipt of this letter and provide me with the results of your investigation within 30 days as required by the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am disputing a charged-off account reported on my credit report. The account was closed and charged off as bad debt ; however, the funds in question were fully returned to me and the matter was resolved with no evidence of fraud or loss. 

Specifically : The account was initially flagged as suspected fraud. 
After review, returned the funds and closed the account. 
Despite this, the account is still reported as a charge-off/bad debt. 

This reporting is inaccurate and misleading, as no outstanding balance remains and no fraudulent activity was confirmed. 

I have disputed this account directly with the credit bureaus, and the reporting has not been corrected or removed. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and reflect the true status of the account. Reporting a settled and resolved account as a charge-off/bad debt is harmful to my credit profile and does not meet these standards.

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 2025-07-07 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: IL

Complaint narrative:
I am disputing a charged-off account reported on my credit report. The account was closed and charged off as bad debt ; however, the funds in question were fully returned to me and the matter was resolved with no evidence of fraud or loss. 

Specifically : The account was initially flagged as suspected fraud. 
After review, returned the funds and closed the account. 
Despite this, the account is still reported as a charge-off/bad debt. 

This reporting is inaccurate and misleading, as no outstanding balance remains and no fraudulent activity was confirmed. 

I have disputed this account directly with the credit bureaus, and the reporting has not been corrected or removed. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and reflect the true status of the account. Reporting a settled and resolved account as a charge-off/bad debt is harmful to my credit profile and does not meet these standards.

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 2025-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Ascent Holding Co
State: WA

Complaint narrative:
I first contacted Ascent Funding XX/XX/XXXX. They reached out to me XX/XX/XXXX with the information I needed and steps to do in order to submit a report through them to get the fraudulent loan removed from my credit report and remove me as a cosigner. As if XX/XX/XXXX I am still in the process of gathering required documents but my credit score keeps dropping. Currently have XXXX $ of fraudulent loans to my name. Ascent has since blocked my social security from their database from opening any more loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
On XX/XX/2025, I reported {$23000.00} in unauthorized transactions on my wife 's USAA checking account. The fraud involved an account takeover and 13 unauthorized debit card withdrawals, including transfers to a XXXX account. USAA opened dispute cases but has only provided partial provisional credit.

The scammer spoofed USAAs caller ID and had full access to her account, including her real XXXX history. My wife mistakenly authorized one transaction under false pretenses, but the remaining 12 were initiated by the scammer and reported within hours.

USAA has denied me access to the fraud department and has not updated the status of the remaining cases despite multiple calls. Their inaction has caused severe financial harm and triggered a mental health crisis. Police were dispatched to my home for a wellness check due to the stress and emotional damage caused by the unresolved fraud.

This is a clear violation of Regulation E, which protects consumers from unauthorized electronic fund transfers. We are requesting full provisional credit, a direct contact person for resolution, and an explanation for the delay.

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 2025-07-07 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:
After numerous attempts to fix errors on my credit reports, Experian, Equifax, and TransUnion have failed to properly investigate and validate errors. This is direct violation of 15 USC 1681i.

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 2025-07-07 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: NY

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 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 2025-07-07 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:
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