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 status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am requesting the immediate removal of the late payment notations associated with the following accounts due to the creditors failure to properly notify me before reporting the delinquencies : XXXX Acct # : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX  Acct # : XXXX As required under FCRA 1681s-2 and 1681e ( b ), the creditor must maintain accurate and fair reporting procedures. Because I was not notified of the due dates or any missed payments beforehand, these late payment reports are incomplete and inaccurate. I am requesting : A reinvestigation of the late payment marks on the above accounts Written proof from the data furnisher that prior notice was provided before negative reporting Permanent deletion of the late payments if such verification can not be produced A corrected copy of my credit report and written confirmation of all changes made If this can not be resolved through the CFPB, I am prepared to pursue legal remedies under FCRA 616 for statutory and actual damages.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: NC

Complaint narrative:
Loan Date XX/XX/XXXX {$5400.00} Current Balance XX/XX/XXXX {$7000.00} Amount Paid as of XX/XX/XXXX {$6400.00}

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: NC

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute XXXX  XXXX XXXX XXXX XXXX  Reporting ( Account XXXX ) Dear CFPB Representative, I am submitting a formal complaint and dispute concerning the reporting of an auto loan account from XXXX XXXX XXXX, account number XXXX, as shown on my Experian credit report. 

This account shows multiple late payments from XXXX through XXXX. However, the account has since been sold to XXXX as of XX/XX/XXXX, according to XXXX  own response to my previous inquiries. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), information that can not be verified must not be reported. XXXX XXXX XXXX continues to report derogatory data despite the account no longer being under their ownership, and therefore not verifiable through them. Prior disputes submitted directly to the credit bureaus have not resulted in proper correction or deletion. 

I respectfully request that the CFPB investigate XXXX  reporting practices for this account and facilitate the deletion or correction of any unverifiable or outdated derogatory marks. This inaccurate reporting is negatively impacting my creditworthiness and financial recovery. 

Thank you for your time and support in enforcing accurate and fair credit reporting. 

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Miscalculated Payments, Incorrect Payment History I believe there is inaccuracies in my load records, potentially violating my rights under the FCRA & FDCPA. All information must be complete, accurate and verified. I request that you provide clarification on any discrepancies and detailed account of how the information is calculated. 
Account : Department of EducationXXXX XXXX XXXX XXXX Balance : {$5600.00} Account is reporting that i met my terms in XX/XX/XXXX but reporting XXXX XXXX 90 Days Late Payment, XXXX XXXX 120 Days Late payment, XXXX XXXX  120 Days Late Payment, XXXX XXXX 120 days Late Payment, XXXX XXXX  120 Days Late Payment. 
Last Payment Date XX/XX/XXXX But Payment received is {$0.00} no record of payment is being recorded.

No payment history or payment amount reported.

No 1st delinquency date reported.

I am requesting a copy of my payment history, Total amount borrowed and any outstanding balance.

The terms and conditions of the loans including interest rates and repayment schedules.

Documentation related to the loans including promissory notes and disclosures.

Information regarding any past due amounts or defaults if applicable.

Please respond to this request within the timeframe specified by FERPA, as i need to ensure my records are accurate and complaint with consumer law.

The Fair Credit Reporting Act : Generally, limits the reporting of most negative credit information to seven years. This includes late payments, collection accounts, charge off accounts. Specifically for collection accounts and charge off accounts the seven-year period begins 180 days after the initial delinquency.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Miscalculated Payments, Incorrect Payment History I believe there is inaccuracies in my load records, potentially violating my rights under the FCRA & FDCPA. All information must be complete, accurate and verified. I request that you provide clarification on any discrepancies and detailed account of how the information is calculated. 
Account : Department of Education/ XXXX XXXX XXXX Balance : {$5600.00} Account is reporting that i met my terms in XX/XX/XXXX but reporting XXXX XXXX 90 Days Late Payment, XXXX XXXX 120 Days Late payment, XXXX XXXX 120 Days Late Payment, XXXX XXXX 120 days Late Payment, XXXX XXXX 120 Days Late Payment. 
Last Payment Date XX/XX/XXXX But Payment received is {$0.00} no record of payment is being recorded.

No payment history or payment amount reported.

No 1st delinquency date reported.

I am requesting a copy of my payment history, Total amount borrowed and any outstanding balance.

The terms and conditions of the loans including interest rates and repayment schedules.

Documentation related to the loans including promissory notes and disclosures.

Information regarding any past due amounts or defaults if applicable.

Please respond to this request within the timeframe specified by FERPA, as i need to ensure my records are accurate and complaint with consumer law.

The Fair Credit Reporting Act : Generally, limits the reporting of most negative credit information to seven years. This includes late payments, collection accounts, charge off accounts. Specifically for collection accounts and charge off accounts the seven-year period begins 180 days after the initial delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX To Whom It May Concern : Problem 1 ) I appealed an inaccurate charge of {$28.00} toXXXX, XXXX XXXX, XXXX, Tn. I didnt incur the charge. They said they didnt see that the charge would be reversed because they couldnt trace who made it. XXXX XXXX home office is in XXXX XXXX  XXXX, XXXX, TN XXXX. It obviously didnt come, or was ordered from a XXXX XXXX. I want the charge reversed. 

Problem 2 ) I have a right to see my charges. When the statement was mailedno problem. You now have to sign in to see your statement, and they want up-front payment without the statement being viewed, downloaded or printed. ( Just to illustrate : my XXXX statement is viewable, downloadable, or printable 24/7the servers are never shut down ) I requested my statement be mailed and I was informed that they dont do that anymore. 

Sincerely, 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 2025-07-16 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: NC

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 2025-07-16 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: NC

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 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: FL

Complaint narrative:
I am writing to formally dispute the presence of accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their inclusion on my credit report is entirely inaccurate and misleading, and it represents a serious breach of the integrity of my financial profile. 
This situation is completely unacceptable. These unauthorized accounts are damaging my creditworthiness and causing undue stress. I require an immediate and thorough investigation to determine how and why these accounts were reported under my identity, and by whom.

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: Experian Information Solutions Inc.
State: NY

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, i sent a letter, with all the inaccurate information, and i have not received any letter or information regarding these issues.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital one did a hard inquiry on my credit report XX/XX/scrub>/2025. I did not authorize this, I have no association with capital one.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting 12 hard inquiries dated XXXX/XXXX/25 XX/XX/25 from auto lenders and dealers with whom I have no relationship. Under XXXX XXXX. XXXX ( a ) there is no permissible purpose. Experian verified them without supplying signed applications. I am requesting deletion of all inquiries or production of written authorization.

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