vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
Subject : CFPB Complaint Failure to Resolve Disputed Late Payments and Billing Errors ( FCRA/FCBA Violations ) To Whom It May Concern, I, XXXX XXXX , am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued failure of Equifax, Experian, and TransUnion to properly resolve disputed late payments on my credit reports. This is now my third formal attempt to address these inaccuracies, and more than 35 days have passed since my initial dispute.

This dispute is being submitted directly by me, not a third party, and involves multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite repeated requests, the credit bureaus have failed to conduct a lawful reinvestigation or provide valid documentation verifying the accuracy of the reported late payments.

Legal Grounds for Dispute : The reported late payments may constitute billing errors under 15 U.S. Code 1666 ( b ) due to the following : Failure to properly apply or credit timely payments Internal accounting or computation errors Failure to issue billing statements 21+ days before the due date, making the reporting of a late payment invalid Despite my prior notices, I have not received any documentary proof or evidence validating the legitimacy of these late payments. The bureaus also failed to meet the requirements under 15 U.S.C. 1681i ( a ) for reinvestigation and 1681i ( a ) ( 7 ) for providing the method of verification. 

Disputed Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Open ) XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing this complaint regarding a Bank of America secured credit card ( XXXX XXXX XXXX XXXX ) which is listed as closed by the credit grantor and showing irregular high balance reporting despite being paid. 

No documentation has been provided to verify the account status or explain the closure. Under FCRA 1681e ( b ) and 1681i ( a ), this information must be corrected or deleted if unverifiable. 

Attached : XXXX dispute letters and my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : AXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I was previously a tenant at XXXX XXXX XXXX XXXX XXXX, but I did not establish any relationship with the third-party company currently reporting this account. I never signed any agreement with this agency, and I have received no formal notice from them validating the debt. This account appears to be inaccurate or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is refusing to allow me to submit online disputes and is forcing me to call, despite having my full report and report number. I am trying to dispute multiple inaccurate and unverifiable items, including personal information ( such as old addresses and incorrect names ) and accounts that do not belong to me. I want to dispute this online, not by phone or mail. I am requesting the CFPB compel Experian to unlock online dispute access and launch a full investigation into the disputed entries under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of a 30-day late payment on my XXXX XXXX XXXX account. 

XXXX  and Experian both report a 30-day late in XX/XX/year>, while XXXX  reports the same 30-day late in XX/XX/year>. These conflicting dates for the same alleged delinquency violate FCRA 607 ( b ), which requires maximum possible accuracy, and also violate XXXX XXXX industry reporting standards, which require that payment history be reported consistently across all credit bureaus. 

In addition, XXXX  reports a {$0.00} high credit on this account, while both Experian and XXXX  show the correct amount of {$8300.00}. This affects my credit utilization and further supports that inaccurate and inconsistent data is being reported. 

I submitted a dispute to the credit reporting agencies, and the data furnishers did not correct or resolve the issue. Since this information can not be verified accurately and uniformly across the credit bureaus, I am requesting it be removed entirely as required by FCRA 611 ( a ) and XXXX XXXX guidelines. 

Please have the companies either provide full validation with matching documentation across all bureaus, or remove the late payment and correct the high credit field. 

Thank 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 2025-07-23 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: CA

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of a 30-day late payment on my XXXX XXXX XXXX account. 

XXXX  and XXXX  both report a 30-day late in XX/XX/year>2025, while Equifax reports the same 30-day late in XX/XX/year>2025. These conflicting dates for the same alleged delinquency violate FCRA 607 ( b ), which requires maximum possible accuracy, and also violate XXXX XXXX industry reporting standards, which require that payment history be reported consistently across all credit bureaus. 

In addition, Equifax reports a {$0.00} high credit on this account, while both XXXX  and XXXX  show the correct amount of {$8300.00}. This affects my credit utilization and further supports that inaccurate and inconsistent data is being reported. 

I submitted a dispute to the credit reporting agencies, and the data furnishers did not correct or resolve the issue. Since this information can not be verified accurately and uniformly across the credit bureaus, I am requesting it be removed entirely as required by FCRA 611 ( a ) and XXXX XXXX guidelines. 

Please have the companies either provide full validation with matching documentation across all bureaus, or remove the late payment and correct the high credit field. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Denied Provisional Credit for Clearly Fraudulent {$810.00} Charge ( RegE Violation ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  MD. XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX. XXXX XXXX Washington XXXX DC XXXX Dear CFPBConsumer Response Team, I am writing to file a formal complaint against capital one bank for refusing to provide provisional credit totaling {$810.00} related to a clearly fraudulent transaction, in violation of RegulationE protections for unauthorized electronic transfers. 

On XX/XX/year> I was scammed by a company named XXXX XXXX XXXX resulting in a debit of {$810.00} from my [ checking/debit ] account. 
I immediately reported the unauthorized charge to my bank when I seen on XX/XX/year>. 
The bank initially acknowledged the claim closed it without proper investigated. I reopened the investigation at my request, and I provided multiple emails and evidence showing this was fraud. 
Despite this, the bank still has not issued a provisional credit, causing further financial and emotional distress. 

I requested escalation within the banks dispute department. 
I reopened the claim, provided compelling evidence, and sought clarity. 
All internal efforts failed, and the bank offered no provisional credit or even a preliminary credit. I am very discouraged because a simple XXXX review will show you XXXX XXXX XXXX  is known for scamming over XXXX customers & has an active lawsuit going on as of now XX/XX/year>! And other complaints the same as mine. If you would take a look at the XXXX you will see they have a XXXX I have reached out to XXXX XXXX XXXX  and have been hung up on multiple times, given fake emails contact and once I did get in contact I never get a response back as to why I was charged after our transaction was over and I received my deposit back for my rental which clearly proves there was nothing wrong with the vehicle when it was returned for there to be any extra charges. 
I have acted promptly and provided all necessary support for my legitimate restitution claim. The banks failure to follow mandatory RegE protections is causing financial hardship and shaken trust. I appreciate your attention and guidance on next steps to resolve this matter fully. 

XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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