vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX  XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union , I am writing to dispute the accuracy of the late payment information being reported on my credit file for the above-referenced XXXX  XXXX account. 
The account shows a status of Paid, was past due 30 days, with a {$0.00} past due balance and a closure date of XX/XX/XXXX. I have already disputed this information on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received any verifiable documentation supporting the single 30-day delinquency that is being reported.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Provide verification and documentation of the reported late payment, including : o A full payment history with exact dates of missed and posted payments ; o Billing statements for the period showing the account became delinquent ; 2. If the information can not be verified, I request that the negative payment notation be deleted from my credit file ; 3. Please send a written response summarizing your findings and provide an updated copy of my credit report showing any changes.

This single 30-day late mark continues to unfairly impact my creditworthiness despite the account being paid and closed for over two years. If the item is not verified or removed within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider additional remedies under the FCRA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXXXXXX XXXX AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX  Account Number : XXXX Dear Equifax/XXXX XXXX I am writing to dispute the inaccurate late payment information being reported on my credit file for the XXXX XXXX XXXX credit card account, account number XXXX. 
The credit report shows eleven late payments ( 30, 60, and 90 days ) and a status of " was past due 120 days or more, '' yet it now reports a {$0.00} past due balance. This is inconsistent and potentially inaccurate. Furthermore, my Equifax report reflects only two late payments, creating a discrepancy across reporting agencies. 
I previously disputed this account on XX/XX/XXXX, and again on XX/XX/XXXX, requesting full documentation of the missed payments and a complete payment history. However, the documentation provided ( if any ) did not substantiate the claim of 11 late payments.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Provide documentation verifying the accuracy of each reported late payment, including : o Monthly statements showing due dates and posted payments, o Exact dates of any missed or late payments ; 2. If you can not verify the information, remove the negative payment history and correct the status ; 3. Send a written statement of your findings and an updated copy of my credit report reflecting any changes.

If the late payment reporting is not validated or corrected, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance and reporting inaccuracies.

Please complete your reinvestigation within 30 days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX  / TransUnion Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX Account Number : XXXX Dear XXXX/Trans Union, I am writing to dispute the inaccurate late payment information being reported on my credit file for the XXXX XXXX XXXX credit card account, account number XXXX. 
The credit report shows XXXX late payments ( XXXX, XXXX, and XXXX days ) and a status of " was past due XXXX  days or more, '' yet it now reports a {$0.00} past due balance. This is inconsistent and potentially inaccurate. Furthermore, my XXXX  report reflects only XXXX late payments, creating a discrepancy across reporting agencies. 
I previously disputed this account on XX/XX/XXXX, and again on XX/XX/XXXX, requesting full documentation of the missed payments and a complete payment history. However, the documentation provided ( if any ) did not substantiate the claim of XXXX late payments. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Provide documentation verifying the accuracy of each reported late payment, including : o Monthly statements showing due dates and posted payments, o Exact dates of any missed or late payments ; 2. If you can not verify the information, remove the negative payment history and correct the status ; 3. Send a written statement of your findings and an updated copy of my credit report reflecting any changes. 
If the late payment reporting is not validated or corrected, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance and reporting inaccuracies. 
Please complete your reinvestigation within 30 days, as required by law. 
Sincerely, 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 2025-06-25 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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  has violated my rights. 

EQUIFAX 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 has violated my rights. EXPERIAN 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 XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are s
uppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-06-25 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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  has violated my rights. 

EQUIFAX 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 has violated my rights. EXPERIAN 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 XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are s
uppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an account with XXXX XXXX  XXXX ( Account # XXXX ), which is currently being reported on my credit file with a charge-off status and multiple late payments. 

The account shows a {$2400.00} charge-off, with a status of " Charge-off '' and worst rating " Collection Chargeoff, '' despite showing a {$0.00} past due balance and being closed as of XX/XX/XXXX. 

The payment history reflects 4 late payments at 30 days, 3 at 60 days, and 4 at 90 days, yet no documentation or payment records supporting these derogatory marks have been provided. I have disputed this account with the credit bureaus on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I specifically requested proof of the charge-off, balance validation, and payment history documentation showing the alleged missed payments. To date, I have not received any supporting evidence. Reporting a charge-off with a balance due that has not been verified is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting : That XXXX XXXX  provide full documentation, including billing statements, payment history, and proof that the debt was charged off in compliance with FCRA ; If no such documentation is available, that the negative reporting be corrected or removed entirely from my credit reports ; That the balance be updated to reflect {$0.00} owed if the account was indeed charged off and sold or otherwise satisfied. 

This inaccurate and unverified negative reporting is having a damaging effect on my creditworthiness, and I am requesting the CFPBs assistance to ensure the information is either validated or deleted per federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an account with XXXX XXXX  XXXX ( Account # XXXX ), which is currently being reported on my credit file with a charge-off status and multiple late payments. 

The account shows a {$2400.00} charge-off, with a status of " Charge-off '' and worst rating " Collection Chargeoff, '' despite showing a {$0.00} past due balance and being closed as of XX/XX/XXXX. 

The payment history reflects 4 late payments at 30 days, 3 at 60 days, and 4 at 90 days, yet no documentation or payment records supporting these derogatory marks have been provided. I have disputed this account with the credit bureaus on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I specifically requested proof of the charge-off, balance validation, and payment history documentation showing the alleged missed payments. To date, I have not received any supporting evidence. Reporting a charge-off with a balance due that has not been verified is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting : That XXXX XXXX  provide full documentation, including billing statements, payment history, and proof that the debt was charged off in compliance with FCRA ; If no such documentation is available, that the negative reporting be corrected or removed entirely from my credit reports ; That the balance be updated to reflect {$0.00} owed if the account was indeed charged off and sold or otherwise satisfied. 

This inaccurate and unverified negative reporting is having a damaging effect on my creditworthiness, and I am requesting the CFPBs assistance to ensure the information is either validated or deleted per federal 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 non-monetary relief
Consumer complaint received 2025-06-25 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX accounts in dispute : Ending in XXXX & XXXX ( Charge-offs over {$2000.00} ) Subject : Request for Debt Validation and Deletion Inaccurate/Unverifiable Reporting To Whom It May Concern, This letter is to dispute and request verification of the Capital One accounts ending in XXXX and XXXX. These accounts are marked as charge-offs and are being reported with inconsistent balances and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-06-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was reviewing my TransUnion credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-25 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: CA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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