vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
Certain accounts listed in my credit history are inaccurate and appear to be the result of fraudulent activity. I respectfully request their removal following a complete investigation. Evidence is provided.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX. 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 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 2025-08-15 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: TX

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 2025-08-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TN

Complaint narrative:
I am filing this complaint against Equifax for inaccurately reporting a XXXX late payment on my XXXX XXXX  account XXXX Account # XXXX * *, FHA real XXXX mortgage, opened XX/XX/XXXX, high balance {$220000.00}, current balance approximately {$180000.00} ) for XX/XX/XXXX. This erroneous reporting is damaging my credit score and violating the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate information ( 15 U.S.C. 1681e ( b ) ). 
Specifically, my Equifax credit report shows a " XXXX '' days late status for XX/XX/XXXX in the two-year payment history, despite the overall payment status being listed as " XXXX '' with no past due amount ( {$0.00} ). In contrast, my XXXX and XXXX reports show the account as " OK '' ( current ) for XX/XX/XXXX and all surrounding months, with no late payments. This discrepancy indicates an isolated reporting error by Equifax or the furnisher ( XXXX Mortgage, a division of XXXX Bank ). 
I believe this account may qualify for protections under the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), which applied to federally backed mortgages like my FHA loan. Under the CARES Act amendments to the FCRA ( Section XXXX ), if the loan was in forbearance or accommodation due to XXXX hardships and was current prior to the forbearance, the furnisher must report it as current during the covered period. Forbearance periods could extend up to XXXX months, and even after the national emergency ended in XX/XX/XXXX, ongoing accommodations required continued accurate reporting as current. If this late payment stems from a forbearance-related deferral in XX/XX/XXXX, it should not be reported as late. 
Key details from my reports : XXXX : Balance {$180000.00} ; Last Verified XX/XX/XXXX ; Payment Status : Current ; History : All " OK '' including XX/XX/XXXX. 
Experian : Balance {$180000.00} ; Date of Last Activity XX/XX/XXXX ; Payment Status : Current ; History : All " OK '' including XX/XX/XXXX. 
Equifax : Balance {$180000.00} ; Date of Last Activity XX/XX/XXXX ; Payment Status : Current ; History : " XXXX '' in XX/XX/XXXX ( inaccurate ). 
Monthly payment : {$1500.00} ; Term : 360 months ; XXXX XXXX : {$0.00} across all bureaus. I have made timely payments or complied with any hardship arrangements, and this inaccuracy is unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-14 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: TN

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 TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-14 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: TN

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 TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX credit balance {$23000.00}, XXXX card balance {$15000.00}

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 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-14 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: TX

Complaint narrative:
I have identified accounts on my credit file that I did not open or authorize. I request a full investigation and that these accounts be removed. Supporting evidence is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this complaint regarding inaccurate and unlawful reporting practices related to the accounts listed in the attachments. These actions have violated my federally protected consumer rights under 15 U.S.C. 1681 and related provisions.

I assert that no permissible purpose under 15 U.S.C. 1681b ( 2 ) has been established for the reporting or sharing of my private financial information. Under the FCRA, a permissible purpose must be established before any consumer report can be furnished.

Additionally, pursuant to 15 U.S.C. 6802 ( a ), a financial institution may not, directly or indirectly, disclose nonpublic personal information to a non-affiliated third party without proper authorization. Further, under 6802 ( b ) ( 1 ) : ( A ) Clear and conspicuous written or electronic disclosure must first be provided to the consumer ; ( B ) The consumer must be given the opportunity to direct that such information not be disclosed ; and ( C ) The consumer must be given an explanation of how to exercise that nondisclosure option. 

No such disclosures or authorizations were provided to me. 
Under 15 U.S.C. 1681, Section 602 ( A ), I have the right to privacy. Furthermore, 604 ( a ) ( 2 ) states that a consumer reporting agency may not furnish a consumer report without my written instructions.

The reporting of late payments also violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits a consumer reporting agency from including adverse information in a report if it antedates the report by more than seven years.

Additionally, under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment on a credit card account as late for any purpose if it was received by the due date and within the grace period.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Account XXXX : XXXX XXXX Acct # XXXX {$30000.00} Opened XX/XX/year>

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 2025-08-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this complaint regarding inaccurate and unlawful reporting practices related to the accounts listed in the attachments. These actions have violated my federally protected consumer rights under 15 U.S.C. 1681 and related provisions.

I assert that no permissible purpose under 15 U.S.C. 1681b ( 2 ) has been established for the reporting or sharing of my private financial information. Under the FCRA, a permissible purpose must be established before any consumer report can be furnished.

Additionally, pursuant to 15 U.S.C. 6802 ( a ), a financial institution may not, directly or indirectly, disclose nonpublic personal information to a non-affiliated third party without proper authorization. Further, under 6802 ( b ) ( 1 ) : ( A ) Clear and conspicuous written or electronic disclosure must first be provided to the consumer ; ( B ) The consumer must be given the opportunity to direct that such information not be disclosed ; and ( C ) The consumer must be given an explanation of how to exercise that nondisclosure option. 

No such disclosures or authorizations were provided to me. 
Under 15 U.S.C. 1681, Section 602 ( A ), I have the right to privacy. Furthermore, 604 ( a ) ( 2 ) states that a consumer reporting agency may not furnish a consumer report without my written instructions.

The reporting of late payments also violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits a consumer reporting agency from including adverse information in a report if it antedates the report by more than seven years.

Additionally, under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment on a credit card account as late for any purpose if it was received by the due date and within the grace period.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Account XXXX : XXXX XXXX Acct # XXXX {$30000.00} Opened XX/XX/year>

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 2025-08-15 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: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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