vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
XXXX. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
XXXX. 
Legal Precedent In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies, duplications, and erroneous late-payment reporting across several accounts on my credit reports. My XXXX XXXX XXXX XXXX XXXX balance {$16000.00} ) and my XXXX account ( XXXX, balance {$9800.00} ) are both showing XXXX late payments that I dispute as inaccurate. My XXXX XXXX XXXX XXXX balance {$0.00} ) and XXXX XXXX XXXX XXXX  balance {$0.00} ) appear with reporting inconsistencies. XXXX XXXX XXXX is reporting a {$15000.00} balance with NEW LATE OPEN, and this same XXXX account is also duplicated in the collections section with a {$0.00} balance, which is contradictory. My XXXX XXXX XXXX XXXX  balance {$0.00} ) appears twice showing XXXX late payments for an account opened XX/XX/XXXX, and similar duplications appear for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both {$0.00} balance, each showing XXXX late payments for the same opened date of XX/XX/XXXX ). Additional collection accounts also contain conflicting information, including XXXX XXXX ( multiple {$0.00} entries ) and XXXX XXXX XXXX, which lists XXXX XXXX XXXX XXXX  as the original creditor with a reported balance of {$120.00} ( which appears to be incorrect or incomplete ), along with another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a {$1200.00} balance with XXXX late status and an opened date of XX/XX/XXXX. These inconsistencies, duplications, and misreported late payments appear to be incorrect and are causing significant harm to my creditworthiness.

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 2025-11-19 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 under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent reporting of my XXXX XXXX account ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit reports from Experian, Equifax, and TransUnion. Upon review of my credit reports, I have identified the following discrepancies : XXXX. Conflicting Dates of Last Activity and Reported Dates : Experian reports the Date of Last Activity as XX/XX/XXXX, Equifax reports XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. 
Date Reported is inconsistent across the bureaus : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. 
XXXX. Account Status Discrepancies : Experian and Equifax report the account as Closed, while TransUnion reports it as Open. 
Payment status and creditor remarks vary inconsistently across all three credit bureaus. 
XXXX. Derogatory Reporting Issues : All three bureaus list this account as derogatory with a past due amount of {$600.00}, yet the account has been disputed by me and reported as disputed by TransUnion. 

Under the FCRA, I am entitled to accurate reporting of my credit accounts. These inconsistencies constitute inaccurate reporting, as the same account is listed differently across the credit bureaus, including conflicting dates, account status, and payment history. 

Requested Resolution : I request that the CFPB direct the credit reporting agencies and XXXX XXXX to : XXXX. Investigate and verify the accuracy of this account. 
XXXX. Correct all inaccurate or inconsistent information. 
XXXX. Delete any information that can not be verified or is reported inconsistently across the bureaus. 
XXXX. Update my credit reports to reflect the accurate status of this account. 

Supporting Documentation : Copies of my credit reports from Experian, Equifax, and TransUnion highlighting the discrepancies. 
Any prior correspondence with XXXX XXXX regarding this account dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent reporting of my XXXX XXXX account ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit reports from Experian, Equifax, and TransUnion. Upon review of my credit reports, I have identified the following discrepancies : XXXX. Conflicting Dates of Last Activity and Reported Dates : Experian reports the Date of Last Activity as XX/XX/XXXX, Equifax reports XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. 
Date Reported is inconsistent across the bureaus : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. 
XXXX. Account Status Discrepancies : Experian and Equifax report the account as Closed, while TransUnion reports it as Open. 
Payment status and creditor remarks vary inconsistently across all three credit bureaus. 
XXXX. Derogatory Reporting Issues : All three bureaus list this account as derogatory with a past due amount of {$600.00}, yet the account has been disputed by me and reported as disputed by TransUnion. 

Under the FCRA, I am entitled to accurate reporting of my credit accounts. These inconsistencies constitute inaccurate reporting, as the same account is listed differently across the credit bureaus, including conflicting dates, account status, and payment history. 

Requested Resolution : I request that the CFPB direct the credit reporting agencies and XXXX XXXX to : XXXX. Investigate and verify the accuracy of this account. 
XXXX. Correct all inaccurate or inconsistent information. 
XXXX. Delete any information that can not be verified or is reported inconsistently across the bureaus. 
XXXX. Update my credit reports to reflect the accurate status of this account. 

Supporting Documentation : Copies of my credit reports from Experian, Equifax, and TransUnion highlighting the discrepancies. 
Any prior correspondence with XXXX XXXX regarding this account dispute. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: CA

Complaint narrative:
Cant see being harassed by phone also they posted in accurate information on my credit report thats falsified thats not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am disputing the accuracy and completeness of a charge-off being reported by Nordstrom/TD Bank USA for thXXXX account XXXX XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$3000.00}. The account shows multiple high-balance changes, late-stage increases, and a charge-off status, yet Nordstrom/TD Bank has not provided any documentation supporting the accuracy of the amounts reported or the timeline of delinquency.

Despite my disputes, Nordstrom/TD Bank has not provided : A full itemized breakdown explaining how the charge-off balance of {$3000.00} was calculated The original credit agreement or contract A complete payment and delinquency history Notice of default, right to cure, or intent to accelerate Proof that the charge-off was processed in accordance with required accounting standards Verification that the date of first delinquency ( DOFD ) was reported correctly to the credit bureaus Documentation of any reinvestigation per FCRA 1681i Evidence that reporting complies with FCRA 1681e ( b ) and 1681s-2 ( b ) The reporting includes inconsistent high-balance data and fluctuating metrics shortly before charge-off, raising concerns about accuracy and completeness. Furnishing incomplete, unverifiable, or inconsistent data violates the FCRA, especially after a consumer dispute.

Because Nordstrom/TD Bank has not validated the information or corrected the inconsistencies, the current reporting appears inaccurate, incomplete, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Current im assuming is a secure credit card I never opened its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CO

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 2025-11-19 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: NY

Complaint narrative:
On XXXX  I submitted correspondence to formally dispute the accuracy and completeness of specific information contained in my credit report. In accordance with Sections 609 and 611 of the Fair Credit Reporting Act ( 15 U.S.C. XXXX XXXX 1681g and 16811 ), I respectfully requested full verification and disclosure of the original source documentation supporting the accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Under Section 609 I requested a complete copy of the original signed contract or application bearing my signature for the alleged debt. All documentation, records, and data used to verify the accuracy and completeness of the reported information. If they are unable to produce this documentation, I respectfully requested that the disputed items ) be deleted from my credit file immediately, as required under federal law. 
As of XX/XX/XXXX I received alerts stating " Verified and Updated '' Therefore ignoring my request

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 2025-11-19 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: AZ

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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates filed a debt collection lawsuit against me without ever properly serving me. I only learned of the lawsuit when attorneys contacted me regarding representation. Because I was not served, I was unable to respond in a timely manner. 

Additionally, PRA is reporting this alleged debt on my credit report, and the information appears to be inaccurate. They have not provided proper validation or documentation proving ownership of the accounts, as required under FDCPA 809 ( a ). Any dates, balances, or account details may be inaccurate or improperly re-aged, which could violate FCRA 605 ( c ) and 623 ( a ) ( 5 ).

I am requesting that PRA provide proper validation of the alleged debt, correct any inaccurate information, or remove the accounts entirely from my credit report if they can not be verified. I am also requesting that any legal action be reviewed or invalidated due to the lack of proper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

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 2025-11-19 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 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 2025-11-19 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: SC

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