vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of the XXXX XXXX XXXX XXXX account, # XXXX, as reported on my Experian credit file dated XX/XX/scrub>XXXX XXXX 

This account is being reported in a manner that is both inaccurate and misleading : 1. The account is marked Closed, yet it simultaneously reflects a past due balance of {$120.00}. A closed account can not remain past due ; it must be reported as paid, settled, charged-off, or transferred.

2. The reported balance of {$530.00} exceeds the listed credit limit of {$300.00}. This suggests excessive or inaccurate fees/interest beyond contractual terms, which may constitute unfair reporting. 
3. Payment history shows months where the account is reported as both current and late simultaneously. This is contradictory and violates accuracy requirements. 
4. The status is updated as of XX/XX/year>, yet the last payment date was XX/XX/scrub>XXXX XXXX  Negative updates with no activity constitute improper re-aging under the Fair Credit Reporting Act. 

Applicable Law 15 USC 1681i ( FCRA ) : Requires consumer reporting agencies to reinvestigate disputed information and delete or correct anything found to be inaccurate, incomplete, or unverifiable. 
15 USC 1681e ( b ) : Requires Experian to maintain maximum possible accuracy in consumer credit files. Reporting conflicting statuses and balances violates this provision.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers ( XXXX XXXX XXXX XXXX ) from reporting information they know or should know is inaccurate.

15 USC 1666b : Requires timely crediting of payments. If payments were received before the due date, they can not be legally reported as late.

My Request 1. Delete this account entirely from my credit report due to its conflicting, inaccurate, and unverifiable reporting.

2. Provide me with written confirmation of the reinvestigation results within 30 days, including the data source ( s ) used to verify this account.

3. Ensure no unverifiable or contradictory information continues to be furnished regarding this account.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office, as provided by federal law.

This is my formal notice to enforce my rights under the Fair Credit Reporting Act and Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following account : XXXX XXXX XXXX XXXX * * * * Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am disputing the late payment reflected on my credit report, as it is inaccurate and misrepresents my payment history. I have maintained a consistent record of timely payments, and this entry is an error that negatively impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am writing to dispute the late payment that has been incorrectly reported on my credit file. This error does not reflect my proven record of consistent and timely payments. Its presence unfairly diminishes my creditworthiness and misrepresents my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am raising a dispute regarding fraudulent accounts that are presently listed under my credit record. I did not apply for, approve, or manage these accounts, and their presence represents inaccurate and unauthorized reporting. This is an unacceptable error that damages my financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-09-23 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-23 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: PA

Complaint narrative:
Subject : Identity Theft Fraudulent Accounts Reporting Under My Name I am the victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or consent. These accounts were created by another individual misusing my personal information. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair and Accurate Credit Transactions Act ( FACTA 609 ( e ) ), I am demanding the immediate blocking and removal of the following fraudulent accounts 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 2025-09-23 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: PA

Complaint narrative:
Subject : Identity Theft Fraudulent Accounts Reporting Under My Name I am the victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or consent. These accounts were created by another individual misusing my personal information. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair and Accurate Credit Transactions Act ( FACTA 609 ( e ) ), I am demanding the immediate blocking and removal of the following fraudulent accounts from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CO

Complaint narrative:
On XX/XX/year> a dispute letter was delivered to Transunion informing them of the illegitimacy of the collection being reported by XXXX XXXX. As no debt validation has ever been received. As a result, I requested the deletion of the collection being reported by XXXX XXXX. I received notification from Transunion the collection was Verified As Accurate and Updated. I submitted another dispute letter to Transunion that was delivered to Transunion XX/XX/year> informing them they did not properly investigate the dispute as there are multiple inaccuracies still reporting on my credit report regarding the XXXX XXXX collection, and I also requested their method of verification. Transunion has refused to properly investigate the XXXX XXXX collection being reported and Transunion has violated FCRA regulations by refusing to provide a description of the procedure used to determine the accuracy and completeness of the information as requested on XX/XX/year>. Instead Transunion sent the results of their completed reinvestigation which stated the same information as the XX/XX/year> dispute : Verified As Accurate and Updated. 

XXXX XXXX never provided me any of the requested documentation validating the debt reporting on my credit report and I'm pretty sure they didnt provide it to Transunion either. However, Transunion continues to allow XXXX XXXX to report incomplete, inaccurate and unverifiable information to my credit report. In addition, XXXX XXXX reporting practices do not coincide with Metro 2 guidelines for a debt buyer or collection agency, and Transunion is allowing it. This is a direct violation of the Metro 2 format guidelines. 

It is Transunions legal responsibility to ensure the information being reported is accurate, complete, and verifiable. Transunion has been provided more than enough time to ensure accuracy, completeness, and verified information is being reported, and has refused to do so. I am requesting the collection being reported by XXXX XXXX be DELETED/REMOVED from my credit report immediately. 

As a consumers, we shouldnt have to do their job for them : Transunion and 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 2025-09-23 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: NY

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following account. 
XXXX XXXX * * * * * * * * * balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following account. 
XXXX XXXX * * * * * * * * * balance {$0.00}

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing fraudulent accounts that have been added to my credit report without my knowledge or consent. These accounts were never opened or authorized by me and are entirely inaccurate. Their reporting has created a misleading representation of my financial history and has caused undue harm to my credit standing.

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 2025-09-23 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: CA

Complaint narrative:
I am disputing the presence of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, and I was not notified of their addition. To make matters worse, the details are being reported inconsistently across all three bureaus, which violates 15 U.S.C. 1681e ( b ) of the FCRA requiring credit bureaus to report only accurate information.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which requires credit bureaus to provide full and accurate disclosures.

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 2025-09-23 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: CA

Complaint narrative:
I am disputing the presence of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, and I was not notified of their addition. To make matters worse, the details are being reported inconsistently across all three bureaus, which violates 15 U.S.C. 1681e ( b ) of the FCRA requiring credit bureaus to report only accurate information.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which requires credit bureaus to provide full and accurate disclosures.

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 2025-09-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
* * * Demand for Legal Accountability XXXX XXXX XXXX XXXX  Ongoing Violations * * * * * * * NO GENERIC VERIFIED RESPONSES DO THE WORK * * * * * * I HAVE ATTATCHED PLENTY OF PROOF THAT EQUIFAX IS NOT PROPERLY INVESTIGATING * * * * * * * I filed dispute ( XXXX ) with Experian and Equifax on or before XX/XX/XXXX regarding several XXXXXXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX  XXXX that continue to report as Charge-Off / Collection despite being paid in full. Each bureau responded by verifying accuracy, yet provided no method of verification, no accounting or delinquency history showing XXXX days past due before charge-off, and no proof that a third-party collection was involved. * * * WHERE IS THE MOV?? HOW DID YOU VERIFY THAT THESE ACCOUNTS ARE IN FACT CHARGED OFF??? WHERE IS THE HISTORY PROVING THE LATE??? WHY ARE ALL OF THE CRAS REPORTING DIFFERENTLY??? 

* * * These failures to investigate, verify, or correct mirror the conduct recently targeted by CFPB in its enforcement actions : * * * * In CFPB vXXXX XXXX ( XXXX ), Experian was sued for conducting sham investigations and re-inserting previously removed inaccuracies. 
Consumer Financial Protection Bureau * * * * * * In CFPB Order vs. Equifax ( 2025 ), Equifax was fined {$15.00} XXXX for ignoring consumer-submitted evidence, reinsertion of errors, and confusing outcomes. 
Consumer Financial Protection Bureau * * * Legal Violations : * * * Fair Credit Reporting Act ( FCRA ) 607 ( b ) : Requirement of maximum possible accuracy. * * * * * * FCRA 611 ( a ) : Duty to reinvestigate disputed info and correct or delete what cant be verified. * * * * * * FCRA 623 ( b ) : Furnishers must investigate and stop misreporting information. * * * * * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Right to method of verification you must supply the procedure, the documents, the dates, and who was contacted. * * * * * * Metro 2 Reporting Standards : Paid charge-off should be coded with Compliance Condition Code BP, show {$0.00} balance, no collection status if no third-party involvement, and show DOFD and XXXX delinquency history. * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. 

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was hospitalized on a ventilator and my belongings was lost by the hospital in my identity and Money was stolen I received a check from the hospital to replace my jewelry clothes, wallet and shoes for losing my belongings. The suspect that was caught with my unemployment card.Is in custody with charges pressed they also recovered my ID and unemployment card from her property. Along with XXXX other individuals unemployment, card, and information I had a resolution specialist reach out to me and tell me in a letter my claims will not be resolved because the card wasnt attempt to be used after it was canceled when that is impossible if the Card is in XXXX XXXX evidence then they turn around and send another letter approving XXXX claims saying they made a mistake with the XXXX claims and that they will be approved. Its also the same person in the footage from the claim they deny. I would like another resolution specialist to take a look at these claims because I have massive evidence that I did not make the transaction or give anyone permission to use my card.she also was sending in false police reports and fake identification cards with her address on it And a fake XXXX paperwork I havent ever been there

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 2025-09-23 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a XXXX XXXX XXXX XXXX, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 

The specific items I am disputing include : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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