vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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 formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MA

Complaint narrative:
So during Covid I couldnt pay my credit card down for a few months. I dont have a job and was looking intensely for one. When I got a job I called discover to make an agreement with them which we did, we made a payment plan. 

But after I was done paying of my credit they denied me anymore service. I feel like because I paid them off I should still be able to use their credit card. Now for some reason I just keep getting denied by every credit card arc computer even tho my credit is good and havent had a miss payment in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Subject : Account that was paid on time and never was a late payment Dear Equifax, I am writing to formally dispute the accuracy of certain information appearing on my credit report. I have reviewed my credit file provided by your agency. This account was never paid late as it is reported. I request that you verify the information then correct the delinquent payments and be updated to show positive in my credit report immediately. I have identified discrepancies that I believe require an investigation and correction. 
Below is the item which I am disputing : 1. I was never late please update XXXX XXXX XXXX Account Number : XXXX I insist that you have to remove the late payment remarks from this account, as I firmly believe that I made all payments on time. It is imperative that you rapidly rectify this error and ensure that the account accurately reflects my timely payment history. 
Date Opened : XX/XX/XXXX Balance : {$540000.00} Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Last reported : XX/XX/XXXX I strongly believe that I made all my payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
I request that you conduct a thorough investigation into these matters and correct the delinquent late payment remarks in my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation once it is completed. 
I understand that you have 30 days to investigate and respond to my dispute, as stipulated by the Fair Credit Reporting Act ( FCRA ). Your prompt attention to this matter is appreciated. 
Thank you for your assistance in resolving this dispute. I look forward to the prompt correction of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe are inaccurate. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting an investigation into these accounts, and if they can not be confirmed as accurate, they must be deleted.

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 2025-10-03 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: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Payment History : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Payment History : XX/XX/XXXX ( 30 days late ), XXXX XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Payment History : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Payment History : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Payment History : XX/XX/XXXX ( 30 days late ), XXXX XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} Date Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX Payment History : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late )

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 2025-10-03 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: WA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
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 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 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 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 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 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 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

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against National Credit Systems , Inc . Unlawful Reporting of Eviction Dear CFPB, I am filing this complaint against National Credit Systems , Inc. regarding the unlawful reporting of an alleged eviction debt on my credit report. 
National Credit Systems is not the original creditor and has failed to provide proper documentation validating that I owe this debt. The reported account information is : Creditor Listed : National Credit Systems Original Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Balance Reported : {$8300.00} Date Opened : XX/XX/year> This debt is being reported as a collection account/eviction on my credit report. However : Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) : I have never received proper validation or documentation proving the legitimacy of this debt, including a signed lease, itemized accounting, or proof that National Credit Systems has the legal right to collect. Under the FDCPA, a debt collector must provide verification of a debt upon request before continuing collection activity or furnishing information to credit reporting agencies. 
Furnishing Inaccurate or Unverifiable Information ( FCRA, 15 U.S.C. 1681s-2 ) : A furnisher of information must ensure that all information supplied to credit bureaus is accurate and verifiable. Since National Credit Systems can not furnish proof of the alleged debt, they are in violation of the FCRA by continuing to report it. 
Eviction Reporting Requirements : An eviction is a court matter that results in a public record if granted. National Credit Systems is not a court of law and can not legally report an eviction on my credit report. Only public record information verified through court documentation can be reported, and no such judgment exists against me. 
Because of these violations, I am requesting that the CFPB investigate and require National Credit Systems , Inc. to : Immediately delete this unverifiable account from all consumer reporting agencies. 
Cease all collection activities until proper validation is provided as required by law. 
Provide documentation showing their legal right to collect and report this debt. 
Their actions are causing significant harm to my credit and financial standing, and they must be held accountable for violating both the FDCPA and FCRA. 
Thank you for your attention to this matter. I request a formal investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These inaccuracies misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 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: GA

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These inaccuracies misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: AS

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: AS

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  sold an account under my name to another company... They sold all of my private and personal information as Names, addresses and Social Security XXXX. Also XXXX XXXX XXXX  is falsely reporting on my credit reports under this account. XXXX XXXX XXXX XXXX XXXX paid all ready in full for this debt. By this I will be filling a lawsuit against 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-10-03 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: AL

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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