vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
In response, I received letters from the credit bureaus and associated companies around XX/XX/XXXX, confirming that all information on my credit reports had been reviewed and verified as accurate and up to date. 
However, on approximately XX/XX/XXXX, I submitted another letter to the credit bureaus informing them that a specific account on my report contained inaccurate information. The company in question reported around XX/XX/XXXX, that my account had gone into collectionswhich is false. 
In response to my dispute, the company claimed that the information being reported to the credit bureaus was accurate and current. However, I have received a letter from the company stating that the account was paid in full and closed as agreed, with no mention of it ever being turned over to collections or involving a third-party collection agency. 
This directly contradicts what was reported to the credit bureaus. The companys own documentation confirms that no collections activity took place and that the account was resolved directly with them. 
Despite my efforts to correct the issue and provide documentation, the inaccurate collection entry remains on my credit report. I am seeking the CFPBs assistance to ensure that this false information is properly removed and that the credit bureaus and the reporting company comply with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your help in resolving this matter.

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 2025-05-16 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: FL

Complaint narrative:
In response, I received letters from the credit bureaus and associated companies around XX/XX/XXXX, confirming that all information on my credit reports had been reviewed and verified as accurate and up to date. 
However, on approximately XX/XX/XXXX, I submitted another letter to the credit bureaus informing them that a specific account on my report contained inaccurate information. The company in question reported around XX/XX/XXXX, that my account had gone into collectionswhich is false. 
In response to my dispute, the company claimed that the information being reported to the credit bureaus was accurate and current. However, I have received a letter from the company stating that the account was paid in full and closed as agreed, with no mention of it ever being turned over to collections or involving a third-party collection agency. 
This directly contradicts what was reported to the credit bureaus. The companys own documentation confirms that no collections activity took place and that the account was resolved directly with them. 
Despite my efforts to correct the issue and provide documentation, the inaccurate collection entry remains on my credit report. I am seeking the CFPBs assistance to ensure that this false information is properly removed and that the credit bureaus and the reporting company comply with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
On XX/XX/year> I visited the XXXX XXXX XXXX XXXX for a XXXX night stay. On XX/XX/year>, I discovered I was charged an additional XXXX by the hotel. I called the hotel and was informed that trash was found in the hotel so I was charged a smoking fee based on the trash. I advised the owner that I was not a smoker, have never smoked and did not smoke in the room. I also asked for supporting evidence to show that smoking occurred in the room and was denied this information and was told if I wanted my money back Id have to take it up with my bank. I then called Capital one bank on XX/XX/year> and started the dispute process. During the process I was not given the opportunity to submit any supporting documentation. I was able to file a complaint with the corporate office of the hotel and obtained supporting information that the claims of smoking in the room were not valid. My claim was denied by capital one and a request to appeal along with supporting documentation was made on XX/XX/year>. The documentation was not reviewed and the denial was set to finalize on XX/XX/year> following a provisional credit reversal. I made a phone call to capital one on XX/XX/year> and was told a rebuttal would be submitted on my behalf. To date of this complaint, Ive yet to receive supporting evidence to show that smoking occurred in the room. The bank supplied the damage waiver signed at check in and random black and white photos showing trash with a XXXX XXXX XXXX box as their supporting evidence, however this was signed prior to being charge, the trash in the photo does not belong to me and there was no communication from the hotel stating that smoking occurred and there have been no actual evidence supplied supporting these claims. On XX/XX/year> I consulted with an attorney regarding my issue of discrimination, falsification, and unauthorized use of funds and was advised to continue my outreach to get this resolved and if no resolve is reached proceed with civil litigation. I am hoping to have this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ive recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Im writing because theres an item on my credit report thats being reported inaccurately and does not meet the FCRAs requirement for maximum accuracy. If its not 100 % accurate, it shouldnt be on my reportplain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: RI

Complaint narrative:
Previous CFPB complaint # XXXX I previously disputed these inaccuracies with XXXX  via certified mail and filed a complaint with the Consumer Financial Protection Bureau as well. XXXX acknowledged the complaint by placing my account in administrative forbearance from XX/XX/year> through XX/XX/year>, but they failed to address or remove the previously misreported late payments that are inaccurate and causing continued damage to my credit profile. I reiterate that these derogatory entries are factually incorrect, and should never have been reported. 

You are hereby reminded of your legal obligations under : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate information.

FCRA 623 ( a ) ( 2 ) Upon notice of a dispute, you are obligated to investigate and CORRECT inaccurate or incomplete information. 

XXXX XXXX XXXX XXXX loan servicers must adhere to standards in reporting borrower data accurately.

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 2025-05-16 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: RI

Complaint narrative:
Previous CFPB complaint # XXXX I previously disputed these inaccuracies with XXXX  via certified mail and filed a complaint with the Consumer Financial Protection Bureau as well. XXXX acknowledged the complaint by placing my account in administrative forbearance from XX/XX/year> through XX/XX/year>, but they failed to address or remove the previously misreported late payments that are inaccurate and causing continued damage to my credit profile. I reiterate that these derogatory entries are factually incorrect, and should never have been reported. 

You are hereby reminded of your legal obligations under : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate information.

FCRA 623 ( a ) ( 2 ) Upon notice of a dispute, you are obligated to investigate and CORRECT inaccurate or incomplete information. 

XXXX XXXX XXXX XXXX loan servicers must adhere to standards in reporting borrower data accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am submitting this complaint against all three major credit bureausEquifax, Experian, and TransUnionfor their continued inaccurate and unlawful reporting of an XXXX XXXX account that was closed and paid in full on XX/XX/XXXX. 

XXXX XXXX has provided official written confirmation ( dated XX/XX/XXXX ) that : The Date of First Delinquency ( DOFD ) was XX/XX/XXXX The account was paid and closed with a {$0.00} balance as of XX/XX/XXXX Despite this, all three credit bureaus continue to report monthly charge-off ( CO ) notations for months after the account was resolved : Equifax is XXXX CO status from XX/XX/XXXX through XX/XX/XXXX Experian is reporting CO status through XX/XX/XXXX TransUnion is XXXX CO status through XX/XX/XXXX These continued updates are misleading and unlawful, and they violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681c ( a ) ( 4 ) : Prohibits reporting charge-off information beyond 7 years from the original delinquency and prohibits re-aging of derogatory items.

FCRA 1681s-2 ( a ) : Requires that all information furnished to credit bureaus be accurate and not misleading.

FCRA 1681i : Requires credit bureaus to conduct a reasonable reinvestigation upon dispute. In previous disputes, the bureaus either failed to update the information or verified it using invalid methods ( e.g., name/SSN matching ), not based on actual account status.

These charge-off updates are appearing after the account was closed and settled, giving the false impression that new delinquencies occurred when in fact the debt was resolved. This ongoing reporting is materially inaccurate, misleading to creditors, and causing continued and unnecessary damage to my credit score.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, the Bureau filed a lawsuit against Experian Information Solutions , Inc., one of the largest consumer reporting agencies in the country. Experian collects and organizes data on most adult Americans to generate consumer credit reports, which it sells to creditors and other businesses who are evaluating whether to offer consumers products, services, or opportunities such as credit lines, loans, jobs, and housing. To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of XXXX by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher.

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 2025-05-16 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:
My account witXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
On XX/XX/year>, I mailed a written request for debt validation to XXXX, regarding a {$2700.00} debt they claim I owe to XXXX XXXX XXXX. I requested an itemized bill, proof that I owe the debt, and information about the original creditor. As of XX/XX/year>, I have received no response. Instead, they continue to call me. The only document they previously sent on XX/XX/year>, does not include proper validationonly a balance summary, not supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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