vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
Despite being paid off, the account still lists late payments inaccurately.

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 2025-11-03 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute the reporting of several late payment entries and account statuses that do not accurately reflect my payment history. Over the past few years, I have maintained my accounts responsibly and ensured that all payments were made according to the agreed-upon terms. Despite this, my credit file currently lists several alleged late payments that are inconsistent with my verified account records. 
XXXX XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Balance : {$40000.00}

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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
In XXXX, my wallet was stolen, which contained my drivers license, Social Security card, and other personal documents. Since that time, multiple fraudulent accounts have been opened in my name without my authorization. 

Recently, I discovered that American Credit Acceptance is reporting a fraudulent auto loan account to XXXX  and XXXX  under the names AMER CR ACPT and AMERICAN CREDIT ACCE. The account was allegedly opened in XX/XX/XXXX for {$7300.00}, but I never applied for or received any loan from this company. 

I have filed both a Federal Trade Commission ( FTC ) Identity Theft Report ( # XXXX ) and a XXXX XXXX  Department Report ( # XXXX ) verifying that I am a victim of identity theft. Despite submitting these reports and supporting documents to American Credit Acceptance, they continue to furnish false information to the credit bureaus. 

Their continued reporting of this fraudulent account violates the Fair Credit Reporting Act ( FCRA ) because they are furnishing unverified and inaccurate data after being notified that the account was opened through identity theft. 

I have repeatedly requested that the company delete and block this account from all credit bureaus, but as of today, they have failed to do so. I am requesting the CFPBs assistance to ensure that American Credit Acceptance removes this fraudulent account and ceases all illegal reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MO

Complaint narrative:
Despite being paid off, the account still lists late payments inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
I am disputing the accuracy and completeness of your reporting of the accounts listed below.

This dispute is made pursuant to FCRA 623 ( a ) and 623 ( b ), which require furnishers to report accurately and to investigate, review, and correct or delete disputed information. 



Disputed Accounts & Specific Defects : XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOF

D. Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 



XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOFD. 

Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 



XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOFD.

Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 









XXXX XXXX Charge-Off Misreported late months ; payment history inconsistent with account records. 



XXXX XXXX Charge-Off Status conflict ( Open vs. Closed ) and date discrepancies. 



XXXX XXXX Charge-Off Status conflict ( Open vs. Closed ) and date discrepancies. 





XXXX XXXXXXXX Charge-Off Balance/date conflicts ; possible re-aging beyond allowable 7-year reporting period. 



XXXX Charge-Off Incomplete account number, unverifiable payment history, inconsistent DOFD. 



XXXX XXXX XXXXXXXX Charge-Off Balance mismatch ; late payments reported after closure. 



XXXX XXXX XXXX Reported as active on one bureau, closed on another. 



XXXX Charge-Off DOFD inconsistent ; incomplete payment history. 



XXXX XXXX Charge-Off Conflicting balances and dates ; unverifiable with competent records. 





XXXX XXXX XXXXXXXX Charge-Off DOFD and balance inconsistencies ; incomplete payment history. 



XXXX XXXX XXXX Collection Reported without providing verification of debt ; balance discrepancies. 



XXXX - Collection Reported without providing verification of debt ; balance discrepancies. 



My Demands Under the Law : Conduct a reasonable investigation into each dispute as required by 623 ( b ) ( 1 ) ( A ).

Review all relevant information I have provided, including my enclosed documentation ( 623 ( b ) ( 1 ) ( B ) ).

Delete from the credit bureaus any information that is inaccurate, incomplete, or can not be verified ( 623 ( b ) ( 1 ) ( E ) ). 

Provide me with a written explanation and copies of all original documentation relied upon to verify the information, including contracts, payment histories, and charge-off records.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX supposedly, XXXX contacted through XXXX ( phone call ). In which they told me that someone had tried process two payments through XXXX that entering the payment into the payment screen, and a reference they gave me would stop the payments, the payments were for {$2000.00} and for {$500.00}. The ones that called me had knowledge of my accounts and balances. After I wanted to confirm the transfer were cancelled, so I called Chase directly and told them if they had gone through and if not to cancel, they said they would and would call back, but they never did. Then I called Chase the following day, they told me they would inquire they never called back. So I called them again and opened a Claim. They got back to me saying that they could not reimbursed the funds, since the funds were the account where the funds were credited, the funds were taken out. They also stayed that sin I inputted the transfers, but it was because I thought it was to block the transfer not to make the transfer, and they closed the claim. 
I contacted the XXXX XXXX XXXX ( XXXX  ), they opened a compliant under reference # XXXX, apparently they contacted Chase and the same person that contacted concerning my Claim with Chase, called me concerning the the XXXX  compliant I filed with transfers, she called me that she was investigating the inquiry they made. The person investigating the claim was the same person who investigating my initial claim with Chase. How could a person review an investigation which they procesed ( Isn't there a conflict of issue, there ). Then she later called me that they closed the XXXX  claim, with the same resolution. Days later the XXXX  emailed me that the complaint was closed. I don't see any concern by Chase on this scam\fraud, they no blame on their part. 
I never reported it to the police, but after the XXXX, I lost faith in the system. But I got so mad every time I remember the fraud, I fell for and the lack of care in the part of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-03 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: IN

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

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 2025-11-03 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: NV

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite being paid off, the account still lists late payments inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: FL

Complaint narrative:
Reached out to the company to come up with a fair payment plan monthly. without have to redo the contract at a higher rate.

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 2025-11-03 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: NY

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: WA

Complaint narrative:
Reporting information for the account I have already paid off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am sending to formally dispute the accuracy of several accounts appearing on my credit report and to request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). The accounts in question are listed below : : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00}

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 2025-11-03 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: GA

Complaint narrative:
I am sending to formally dispute the accuracy of several accounts appearing on my credit report and to request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). The accounts in question are listed below : : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am filing this complaint because Equifax is reporting several inaccurate and misleading derogatory accounts that have seriously affected my credit standing and peace of mind. These accounts are listed as XXXX XXXX XXXX account ending in XXXX ), reported as a charge-off dated XX/XX/XXXX with a {$0.00} balance ; XXXX XXXX XXXX XXXX account ending in XXXX ), reported as a collection account dated XX/XX/XXXX for {$71.00} ; and XXXX ( account ending XXXX XXXX ), listed as a charge-off dated XX/XX/XXXX with a {$550.00} balance. 

These accounts are being displayed as derogatory despite clear issues with accuracy and verification. The XXXX XXXX account, for instance, shows a XXXX balance yet is still labeled as charged off, which is misleading and unfairly impacts my credit score. The XXXX entry is reported as an outstanding charge-off even though I have not received any verifiable documentation confirming its validity. And the XXXX XXXX XXXX  account has been reported as a collection, yet no collector has ever sent me a legitimate notice or provided validation as required under the Fair Debt Collection Practices Act. 

I have already disputed these entries directly through Equifaxs dispute portal, but the responses I received felt like automated form letters rather than genuine reinvestigations. I was told the information had been verified, yet no one could explain who verified it or what documents were reviewed. This lack of transparency shows a failure to follow the basic investigative standards outlined in the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the completeness and accuracy of all information they report. 

Under the FCRA ( 15 U.S. Code 1681 and Section 623 ( a ) ), Equifax must ensure that all data furnished by creditors is both accurate and verifiable. Continuing to publish unverified or outdated information constitutes negligent reporting. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c and 1692e ), collectors and furnishers are prohibited from misrepresenting debts or reporting them without proper validation. These laws exist to protect consumers like me from precisely this kind of harm being judged by information that has not been proven true. 

These inaccuracies have done real damage. I have faced higher interest rates, been turned down for credit opportunities, and experienced anxiety every time my credit is checked. Its deeply frustrating knowing that my report contains false data while Equifax seems unwilling to perform the thorough reinvestigation that the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation