vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint to address discrepancies in my credit reports from Experian, Equifax, and TransUnion regarding the XXXX account ( account number XXXXXXXX XXXX XXXX XXXX XXXX ). Upon reviewing my reports, I discovered that the account is inaccurately listed with a balance of {$100000.00} and erroneous late payment statuses of XXXX and XXXX days late, spanning from XX/XX/XXXX to XX/XX/XXXX. The last payment made on the account was on XX/XX/XXXX, but the late payment statuses reported extend beyond this timeframe. This inaccurate reporting is present across all three credit bureaus : Experian, Equifax, and TransUnion, and it violates the Fair Credit Reporting Act ( FCRA ) under 607 ( b ), 611, and 623 ( a ) ( 2 ), as well as FCRA 605 ( a ) regarding obsolete information. These discrepancies have unjustly impacted my credit score, and I am requesting immediate action to correct the inaccurate late payment statuses. The reporting of these inaccurate and incomplete details is harmful to my credit profile and violates my rights under the FCRA, including the requirement for accurate and complete information under 607 ( b ), and the obligation of furnisher XXXX to correct inaccurate information under 623 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 filing this complaint to address discrepancies in my credit reports from Experian, Equifax, and TransUnion regarding the XXXX account ( account number XXXXXXXX XXXX XXXX XXXX XXXX ). Upon reviewing my reports, I discovered that the account is inaccurately listed with a balance of {$100000.00} and erroneous late payment statuses of XXXX and XXXX days late, spanning from XX/XX/XXXX to XX/XX/XXXX. The last payment made on the account was on XX/XX/XXXX, but the late payment statuses reported extend beyond this timeframe. This inaccurate reporting is present across all three credit bureaus : Experian, Equifax, and TransUnion, and it violates the Fair Credit Reporting Act ( FCRA ) under 607 ( b ), 611, and 623 ( a ) ( 2 ), as well as FCRA 605 ( a ) regarding obsolete information. These discrepancies have unjustly impacted my credit score, and I am requesting immediate action to correct the inaccurate late payment statuses. The reporting of these inaccurate and incomplete details is harmful to my credit profile and violates my rights under the FCRA, including the requirement for accurate and complete information under 607 ( b ), and the obligation of furnisher XXXX to correct inaccurate information under 623 ( a ) ( 2 ).

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 2025-11-27 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:
The Fair Credit Reporting Act ( XXXX5 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 2025-11-27 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: MO

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 2025-11-27 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: MO

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 2025-11-27 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian, Equifax, and TransUnion are reporting multiple inaccuracies that violate my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My legal name is XXXX XXXX, yet the bureaus continue to display incorrect variations such as XXXX, XXXX, XXXX, along with several addresses that I have never lived at in XXXX XXXX XXXX and XXXX, Arkansas, which has caused misidentification, mixed-file issues, and improper association with accounts. My report also includes a XXXX charge-off with an incorrect or unverifiable Date of First Delinquency, which violates FCRA 623 ( a ) ( 5 ) and improperly extends the reporting period under 605 ( c ). Additionally, a XXXX XXXX XXXX collection is being reported without proper validation, contrary to FDCPA 809, and appears linked to the inaccurate addresses listed above, raising further accuracy concerns under FCRA 607 ( b ). These errors have caused credit denials, financial stress, reputational harm, and ongoing confusion that could have been prevented had the bureaus maintained maximum possible accuracy as required by federal law. Despite my attempts to resolve these issues, the information continues to display, leaving me with no choice but to seek CFPB intervention to address these violations and the harm caused by improper reporting and lack of verification.

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 2025-11-27 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Experian, Equifax, and TransUnion are reporting multiple inaccuracies that violate my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My legal name is XXXX XXXX, yet the bureaus continue to display incorrect variations such as XXXX, XXXX, XXXX, along with several addresses that I have never lived at in XXXX XXXX XXXX and XXXX, Arkansas, which has caused misidentification, mixed-file issues, and improper association with accounts. My report also includes a XXXX charge-off with an incorrect or unverifiable Date of First Delinquency, which violates FCRA 623 ( a ) ( 5 ) and improperly extends the reporting period under 605 ( c ). Additionally, a XXXX XXXX XXXX collection is being reported without proper validation, contrary to FDCPA 809, and appears linked to the inaccurate addresses listed above, raising further accuracy concerns under FCRA 607 ( b ). These errors have caused credit denials, financial stress, reputational harm, and ongoing confusion that could have been prevented had the bureaus maintained maximum possible accuracy as required by federal law. Despite my attempts to resolve these issues, the information continues to display, leaving me with no choice but to seek CFPB intervention to address these violations and the harm caused by improper reporting and lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute the inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. Upon reviewing my credit reports from all three bureaus, I have identified several discrepancies that I believe are incorrect and detrimental to my creditworthiness. Specifically, I have found the following issues : Experian lists several accounts, including XXXX BANK, XXXX, with a late payment status from XXXX to XX/XX/XXXX, which is inaccurate as payments were made as agreed, and XXXX, with a reported late payment of 30 days in XX/XX/XXXX, despite my timely payments ; Equifax reports XXXX BANK XXXX XXXX XXXX with a late payment status between XXXX and XX/XX/XXXX, and also inaccurately lists XXXX  XXXX BANK XXXX  as being 30 days late in XX/XX/XXXX, which is inconsistent with my payment records ; TransUnion also shows XXXX BANK, XXXX. as being late for 30 days between XXXX and XX/XX/XXXX, and reports XXXX  XXXX BANK XXXX  as late in XX/XX/XXXX, despite timely payments. Additionally, for all three bureaus, accounts such as XXXXXXXX XXXX XXXX  and XXXX  XXXX are listed with late payment statuses despite having been paid as agreed. I am requesting that these inaccuracies be corrected across all three bureaus and that these accounts reflect the correct payment status, showing they were paid as agreed, without late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I am submitting this complaint to formally dispute the inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. Upon reviewing my credit reports from all three bureaus, I have identified several discrepancies that I believe are incorrect and detrimental to my creditworthiness. Specifically, I have found the following issues : Experian lists several accounts, including XXXX BANK, XXXX, with a late payment status from XXXX to XX/XX/XXXX, which is inaccurate as payments were made as agreed, and XXXX, with a reported late payment of 30 days in XX/XX/XXXX, despite my timely payments ; Equifax reports XXXX BANK XXXX XXXX XXXX with a late payment status between XXXX and XX/XX/XXXX, and also inaccurately lists XXXX  XXXX BANK XXXX  as being 30 days late in XX/XX/XXXX, which is inconsistent with my payment records ; TransUnion also shows XXXX BANK, XXXX. as being late for 30 days between XXXX and XX/XX/XXXX, and reports XXXX  XXXX BANK XXXX  as late in XX/XX/XXXX, despite timely payments. Additionally, for all three bureaus, accounts such as XXXXXXXX XXXX XXXX  and XXXX  XXXX are listed with late payment statuses despite having been paid as agreed. I am requesting that these inaccuracies be corrected across all three bureaus and that these accounts reflect the correct payment status, showing they were paid as agreed, without late payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am reporting Experian for unlawfully furnishing and reporting a XXXX  XXXX XXXX  CREDIT CARD account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Experian reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Experian has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to obtain verifiable evidence of consumer liabilitywhich XXXX XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial account. XXXX  XXXX XXXXXXXX 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found XXXX fraudulent accounts on my credit report, the accounts are from XXXX XXXX XXXX  which was opened on XXXX and XXXX XXXX XXXX opened on XXXX and fraudulent address on XXXX XXXX CT XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX, please remove these details 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 non-monetary relief
Consumer complaint received 2025-11-27 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 submitting a complaint against Equifax, Experian, and TransUnion regarding multiple inaccuracies, outdated information, and unverifiable accounts on my credit reports. My reports contain incorrect addresses ( XXXX River Bend, XXXX, TX XXXX ; XXXX XXXX, XXXX, TX XXXX ), a late-closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance ), several charge-offs ( XXXX XXXX TX XXXX * *, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with inconsistent balances, and collections reporting inaccurate balances ( XXXX {$950.00}, XXXX XXXX Int {$5100.00} XXXX XXXX Cred {$750.00} XXXX XXXX XXXX {$2400.00}, XXXX {$390.00} ). Additionally, there are unauthorized or outdated inquiries ( XXXX 's XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ). These items violate FCRA XXXX, XXXX, XXXX, XXXX and FDCPA XXXX. I request a complete reinvestigation and removal or correction of all inaccurate, outdated, or unverifiable information and proper verification of all disputed accounts and inquiries.

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 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sunrise XXXX XXXX XXXX XXXX XXXX 
P.O. XXXX XXXX XXXX, NY XXXX RE : CEASE AND DESIST Account No. XXXX To Whom It XXXX Concern : This letter serves as my formal notice to Cease and Desist all communication with me regarding the above-referenced alleged debt. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), which lawfully requires your organization to stop contacting me once written notice is provided. 

Effective immediately : XXXX. You are ordered to stop all communication In accordance with XXXX XXXX. XXXX ( c ), you XXXX not contact me by phone, mail, email, text message, or through any third party. 
The only exceptions permissible by law are : A single written notice confirming your intent to cease further collection efforts, or A single written notice informing me of specific legal actions you intend to take. 

XXXX. You are prohibited from third-party contact Any communication with my family, employer, neighbors, or other third parties is strictly forbidden under XXXX5 U.S.C. 1692c ( b ).

3. No further reporting of inaccurate information If this account is being reported inaccurately, incompletely, or without proper validation, be advised that furnishing such information to any consumer reporting agency may violate 15 U.S.C. 1692e ( 8 ) ( communicating credit information known to be false or failing to communicate that a debt is disputed ).

4. Required documentation If you intend to pursue legal action, you must first provide : Complete validation of the alleged debt per 15 U.S.C. 1692g ( b ) A full accounting and chain of title verifying Sunrise Credits legal authority to collect All documentation bearing my signature, if applicable Until and unless proper validation is provided, you are prohibited from any collection activity, including reporting or updating negative credit information. 


Failure to comply with this notice will result in my pursuing all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as civil claims for statutory damages under the FDCPA. 

I expect written confirmation that you have honored this cease and desist request. 

Sincerely, 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 2025-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT Bank XXXX XXXX XXXXXX/XX/XXXXViolations Consumer : XXXX XXXX Summary : This complaint concerns unauthorized credit card charges reported by Bank XXXX XXXX and inaccurate continued reporting by XX/XX/XXXX. Facts : I was incarcerated when delinquent charges were made. Therefore, the transactions reported by Bank XXXX XXXX were physically impossible for me to authorize or conduct. Despite multiple disputes, Bank XXXX XXXX continued reporting the account as accurate, and XX/XX/XXXX repeatedly accepted their unsupported verification. Bank XXXX XXXX Violations : Truth in Lending Act ( 15 U.S.C. XXXX ) : Failed to prove authorization of charges. RegulationXX/XX/XXXX XXXX : Did not perform a reasonable billing error investigation. FCRA XXXX : Furnished information known to be inaccurate after dispute. XX/XX/XXXX Violations : FCRA XXXX ( b ) : Failed to ensure maximum possible accuracy. FCRA XXXX ( a ) ( XXXX ) : Failed to reinvestigate properly. FCRA XXXX ( a ) ( XXXX ) ( B ) : Sent an improper reinsertion notice lacking the required certification of accuracy and supporting details. Harm : After fighting my own case, pro se, and experiencing unfair advantages in the process, I prevailed after doing XXXX years for no reason other than to mess up my finances. To now have an ongoing battle with banks and credit bureaus to get my finances out of lock up. These inaccuracies have harmed my credit, prevented access to loans and funding, and damaged my financial reputation. Requested CFPB Action : XXXX. Require deletion of the Bank XXXX XXXX account. XXXX. Require proper evidence-based verification. XXXX. Require compliance with reinsertion rules. XXXX. Prevent future inaccurate reporting. XXXX. Provide written confirmation of corrective actions. Signed : XXXX

Company response to consumer: Closed with explanation