vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am filing this complaint because a charge-off is being reported on my credit file that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. The account in question does not reflect accurate payment history, balance, and/or date of first delinquency. Despite my previous attempts to dispute the account with the credit bureaus, it continues to appear without proper validation or correction from the furnisher. 

I have requested verification of this account, including documentation showing that the debt is valid and accurately reported, but I have not received adequate proof. Reporting a charge-off without proper investigation or accurate updates causes harm to my creditworthiness and violates my consumer rights under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Equifax Experian Transunion XXXXXXXX XXXX  XXXX XXXX Equifax and Transunion XXXX XXXX XXXX * * * * Equifax and Transunion XXXX XXXX XXXX Equifax and Transunion XXXX XXXX XXXX XXXX  XXXX Transunion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-10-20 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: NC

Complaint narrative:
I am filing this complaint because a charge-off is being reported on my credit file that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. The account in question does not reflect accurate payment history, balance, and/or date of first delinquency. Despite my previous attempts to dispute the account with the credit bureaus, it continues to appear without proper validation or correction from the furnisher. 

I have requested verification of this account, including documentation showing that the debt is valid and accurately reported, but I have not received adequate proof. Reporting a charge-off without proper investigation or accurate updates causes harm to my creditworthiness and violates my consumer rights under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Equifax Experian Transunion XXXXXXXX XXXX  XXXX XXXX Equifax and Transunion XXXX XXXX XXXX * * * * Equifax and Transunion XXXX XXXX XXXX Equifax and Transunion XXXX XXXX XXXX XXXX  XXXX Transunion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-10-20 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:
Several accounts are being reported under my name even though I never authorized or was aware of them. These entries misrepresent my credit history and have caused me undue worry and inconvenience. I take my credit profile seriously and will not accept inaccurate or fraudulent reporting on my 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: MD

Complaint narrative:
I have opened a Charles Scwab bank account in the end of XX/XX/year>. I have deposited a total of {$5800.00} between mine and my wifes account. After about a week Charles Schwab has locked my account and when i called to see whats going on, they informed me that as a busineess decision they are closing my account. They told me that in order to receive my funds back i need to send in bank statments from the bank account i transferred the funds from. I have provided all of the necessary documents including my bank statments, copy of my ID, and a notarized affidavit. I have contacted Charles Schwab many many times asking them the status of my case and when i will receive my funds back, every time i get the same response - " the team that deals with these claims can not be reached by phone, we will send them an email and get back to you ''. Only once did the representative actually get back to me saying i have not gotten any response from them. This has been going on for almkst 3 months, and i feel that it will never end. I belive Charles Schwab is not taking this case seriously and does not intend to have the funds transffered back to me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I hereby dispute specific items in my credit history tied to accounts I never opened. Kindly examine the matter and delete them accordingly. Documentation is attached.

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 2025-10-20 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Incident Summary for All Complaints On XX/XX/year>, around XXXX PM, I went to XXXX XXXX! XXXX XXXX XXXX XXXX XXXX XXXX to purchase an XXXX XXXX XXXX XXXX. The store employee named XXXX offered to process my purchase through Acima Leasing and told me my total would be around {$1700.00}, including accessories, with only {$10.00} in taxes due that day. 

I was never shown or asked to sign any lease contract, and was not told the total lease cost or that this was a lease-to-own agreement. I only discovered later in my Acima app that a contract was created in my name showing a total lease amount of {$4100.00}, with a random electronic signature that is not mine. 

I believe this contract was created without my knowledge or consent, and that I was misled about the terms and total cost by the store employee. I am requesting an immediate investigation into both Acima Leasing and XXXX XXXX! XXXX XXXX XXXX for potential fraud, forgery, and consumer misrepresentation. 

I am also requesting that this unauthorized lease agreement be voided or corrected, and that no further debits or payments be taken from my account while this matter is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ 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 2025-10-20 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 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: I.C. System, Inc.
State: NC

Complaint narrative:
This is a formal request for investigation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing the accuracy and completeness of several XXXX XXXX accounts appearing on my credit report, which are reported inaccurately and unverifiable. 
The following XXXX accounts are disputed : XXXX. XXXX XXXX Account # XXXX  reported as charged off ( {$650.00} written off, {$650.00} past due ) XXXX. XXXX XXXX Account # XXXX reported as charged off ( {$130.00} written off, {$130.00} past due ) XXXX. XXXX XXXX Account # XXXX reported as XXXX  days late ( XXXXXXXX XXXX  ) These accounts contain multiple factual and legal inaccuracies, violating the following provisions of federal law : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy in consumer reports. 
FCRA 611 ( a ) : Failure to conduct a proper reinvestigation of disputed information.

FCRA 609 ( a ) : Failure to provide full disclosure of sources and methods of verification.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known, or reasonably known, to be inaccurate. 
XXXX is a XXXXXXXX XXXX XXXX XXXX ( BNPL ) company, not a traditional credit lender. The inconsistent reporting of these accounts across credit bureaus demonstrates that these items are unreliable and unverifiable. I demand immediate reinvestigation and deletion of these entries unless you can provide original signed documentation proving their accuracy. 
Under FCRA 611 ( a ) ( 1 ), you are required to complete your reinvestigation within XXXX  days and provide written results. If verification can not be obtained, these accounts must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Failure to comply may constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, both of which permit actual and statutory damages, as well as attorneys fees.

This notice is not a refusal to pay but a good-faith request to correct or delete inaccurate data in accordance with 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 explanation
Consumer complaint received 2025-10-20 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TN

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Date of Alleged Late Payment : XX/XX/XXXX I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing. 
What I want

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : TOTAL 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 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 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I submitted formal Section 609 dispute letters to XXXX XXXX XXXX XXXX on XX/XX/year>, regarding several inaccurate, unverifiable, or outdated accounts appearing on my credit reports. These letters requested full verification of the accounts through original signed contracts and legal documentation, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite allowing the full 30-day response window, none of the bureaus have provided legally required validation. As of XX/XX/year>, the following accounts remain on my reports without verified documentation : XXXX  Late Payments ( Account Paid in Full ) XXXX XXXX Late Payments ( Account Still Open ) US Department of Education Late Payments ( Closed Account ) XXXX Loan Servicing Late Payments ( Closed Account ) XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Each of these accounts was formally disputed with each bureau and accompanied by proof of identity and address. No valid documentation has been received to confirm their accuracy, violating my consumer rights under FCRA Section 609 and 611. 

This delay and failure to verify, or remove these accounts within the legally allowed timeframe, is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CT

Complaint narrative:
THIS IS A MISREPORTED HARD INQUIRY THAT REQUIRES IMMEDIATE ACTION

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