vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
XXXX and Equifax are inaccurately reporting a late payment from XX/XX/year>, on my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX despite the account being completely paid, closed, and reporting a XXXX balance and XXXX  past due amount. There is no justifiable reason for either bureau to reflect this account as derogatory in any way. When an account is closed and resolved in full with no outstanding balance, it should not continue to carry the damaging mark of a late paymentespecially when that payment does not reflect any current delinquency or open obligation. That kind of reporting is not just carelessits misleading and unlawful.

Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act, both bureaus are required to maintain procedures that ensure the maximum possible accuracy of the information they furnish. The continued presence of a derogatory payment mark on a closed, XXXX balance account directly contradicts the spirit and the letter of that provision. This account is not past due. It is not open. It has been resolved in full. The continued damage its causing is based on outdated, contextually inaccurate data that should no longer be affecting my report at all. 

To make matters worse, I have attempted to correct this issue, but my prior disputes were either ignored or resolved with the same inaccurate information reappearing. This blatant neglect of consumer rights and failure to investigate thoroughly under 15 U.S.C. 1681i ( a ) has not only denied me access to fair credit but forced me into explaining to creditors and lenders why my report includes derogatory items on accounts that are, in fact, completely paid and closed. This inaccurate reporting has affected my ability to secure housing and fair loan terms. Its humiliating to face rejection or be forced into higher interest rates because of a stain that legally and ethically should not exist. 

The emotional toll has been profound. To feel powerless against a system that refuses to correct a clear erroreven when provided with the evidenceis exhausting and demoralizing. This is not just about a credit score ; this is about dignity, access to opportunity, and the right to move forward without being chained to misleading and outdated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Collection Account XXXX XXXXXXXX XXXX ( Account # XXXX ) To Whom It May Concern, I am writing to dispute a collection account listed on my credit report that appears to be inaccurate and unverified : Creditor : XXXX XXXXXXXX XXXX Original Creditor : XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$630.00} Status : Collection ( as of XX/XX/XXXX ) On Record Until : XX/XX/XXXX Last Reported Payment : {$0.00} on XX/XX/XXXX This account has been reported as a collection account for over 5 years, with no activity, payments, or changes to the balance since XXXX. Despite a dispute I filed previously ( processed in XX/XX/XXXX ), this account continues to report inaccurately and without sufficient validation. I now formally request : Full verification of the debt, including the original signed agreement and a breakdown of the amount owed. 

If XXXX XXXXXXXX XXXX can not fully validate the account, its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

If this debt is valid but outside the statute of limitations for collection in my state or has been inactive long enough to qualify for removal, I request that it be reviewed accordingly. 

Please complete your reinvestigation and provide a written response within 30 days of receipt of this letter. Enclosed are copies of my ID and proof of address for verification purposes. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
Equifax continues to report a late payment from XX/XX/2011, on my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX despite the account being fully paid, closed, and reflecting a XXXX balance with no past due amount for over a decade. The derogatory mark is not only misleading, but it also raises serious concerns regarding Equifax 's compliance with its legal obligations under the Fair Credit Reporting Act. The account was resolved in full and closed, and at present, there is absolutely no delinquency, balance, or ongoing obligation that would warrant the presence of a negative remark on my consumer report.

This reporting directly violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain procedures to ensure maximum possible accuracy of the information in consumer reports. Leaving a derogatory payment history on a fully satisfied accountespecially one as outdated as thisis a failure to ensure accuracy in both factual content and contextual presentation. Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), no adverse information related to late payments may be reported more than seven years from the date of delinquency. It has now been well over XXXX  years since this alleged late payment occurred. There is absolutely no legal basis for this data to still appear on my report.

Equifaxs refusal to remove this outdated and misleading information after prior disputes only compounds the harm. I have submitted clear explanations and documentation to show this account was resolved in full, and yet the derogatory notation remains. This inaccuracy has created serious financial hardshipI 've been unfairly denied credit, subjected to unfavorable interest rates, and forced to constantly explain outdated derogatory marks to lenders and landlords. The emotional toll of this process can not be overstated. To be judged for a fully paid and closed obligation that occurred over a decade ago is not only unjustits unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate investigation of various accounts listed on my credit report that have been opened without my consent, potentially by my ex-boyfriend. I believe he has used my personal information to establish multiple accounts, including the one currently causing concern. This is a serious matter of identity theft and fraud, for which I am not liable. 

Several years ago, I unfortunately lost my purse, which contained vital personal information such as my ID and financial cards. Following this incident, I suspect that my ex-boyfriend took advantage of this situation to compromise my personal information. Since then, I have discovered several unfamiliar accounts and loans taken out in my name, which I did not authorize. This fraudulent behavior is not only detrimental to my credit score but is also severely impacting my life as a single mother, complicating my financial situation and causing undue stress.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report contains incorrect personal data. I kindly request your office to investigate these inaccuracies and ensure my personal information is corrected and updated within five 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 2025-07-16 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is regarding XXXX  XXXX  card debt. I spoke with XXXX XXXX from American Express XXXX XXXX. I offered a settlement amount, we agreed on the amount, and I requested to send a a formal written settlement agreement that includes that amount and terms. XXXX XXXX demanded that I pay the amount first over the phone, which is not a standard collection practice. He refused to send me a letter from the official American Express website or email. 

Also, the call was not made on the official American Express line. Once I called the XXXX  line, representative said that they are having technical difficulties, and that they will call me from another line. They also attempted to collect information that they should already know - last XXXX digits of XXXX, date of birth, and PIN code. It is quite possible that there are scammers operating within the XXXX  collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and frau
d within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3400.00} INQUIRIES : XXXXXXXX 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 2025-07-16 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: GA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1
681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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 accounts 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: HI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent, inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  & XXXX  data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent, inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  & XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  & XXXX  data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX I was involved in a house closing wire fraud. I was sent emails impersonating the closing company and I followed the instructions. The name used to send the wire was XXXX title and Escrow the account name does not match that. Money was sent regardless

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 monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief