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: 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe the reported information regarding these student loan accounts is inaccurate and/or unverifiable. Specifically, I am requesting that Experian investigate and verify the accuracy of the following details : Account Number : XXXX - Account Number : XXXX - Account Number : XXXX All accounts tied to these number should be updated and set to default ; their should be no late payments on my credit report. 

If the information can not be verified within 30 days, as required by the FCRA, I request that it be promptly corrected on my credit file and set back to default and zero late payments until further notice.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe the reported information regarding these student loan accounts is inaccurate and/or unverifiable. Specifically, I am requesting that Experian investigate and verify the accuracy of the following details : Account Number : XXXX - Account Number : XXXX - Account Number : XXXX All accounts tied to these number should be updated and set to default ; their should be no late payments on my credit report. 

If the information can not be verified within 30 days, as required by the FCRA, I request that it be promptly corrected on my credit file and set back to default and zero late payments until further notice.

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: GA

Complaint narrative:
I am a victim of the equifax data breach my personal and sensitive information has been exposed it has also caused me to be a victim of identity theft. Please check the concerning information below please and thank you.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: PA

Complaint narrative:
TransUnion is reporting inaccurate and outdated derogatory data regarding two accounts that are long since closed, fully paid, and carry a {$0.00} balance and {$0.00} past due amount. Specifically, the accounts involved are an XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a reported late payment dated XX/XX/XXXX, and a XXXX XXXX XXXX account XXXX in XXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX. Both of these accounts have been closed for years and fully satisfied, yet TransUnion continues to display negative payment history that no longer serves any valid purpose and violates the Fair Credit Reporting Act. 

The continued reporting of late payments on accounts that show XXXX balance and zero past due amount is misleading and materially incomplete. Under the FCRA, particularly 15 U.S.C. 1681e ( b ), TransUnion has an obligation to ensure the maximum possible accuracy of the information it maintains and disseminates. Information that reflects a negative payment history, yet omits the fact that the accounts are fully paid and closed, is inherently misleading and fails that standard. Moreover, because these late payments occurred more than seven years ago, their presence now potentially violates the time limitation on reporting set forth in 15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information, including delinquencies, to a seven-year period from the date of the delinquency. 

TransUnion has previously been notified through disputes and furnished documentation proving that these accounts were resolved. Yet, the bureau continues to report these derogatory entries in a way that causes substantial and ongoing harm to my creditworthiness. These entries are not only technically inaccurate but also prejudicial in their impact, as they give lenders and underwriters a distorted picture of my financial historydespite the fact that the debts were fully satisfied years ago. This is causing denials of credit, unfavorable interest rates, and repeated embarrassment during credit reviews. The emotional toll is real, and being unfairly penalized for obligations that I responsibly fulfilled is both unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Credit Report XXXX XXXX XXXX for XXXX XXXX XXXX ( Acct XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to formally dispute the accuracy of an entry on my credit report regarding the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$270.00} Status : Charged Off as of XX/XX/XXXX On Record Until : XX/XX/XXXX I am requesting an investigation into this account because I believe this information is inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, and I respectfully request that you : Investigate and verify the accuracy of this account directly with XXXX XXXX XXXX. 

Provide evidence that supports the reported charge-off. 

Remove or correct the entry if the information can not be substantiated. 

Attached to this letter are copies of identification and proof of address as required for processing disputes. If the creditor can not validate this account, I request the account be removed from my credit report entirely. 

Please complete your investigation and respond within the XXXX time frame allotted under the FCRA. I appreciate your assistance and look forward to your resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Credit Report XXXX XXXX XXXX for XXXX XXXX XXXX ( Acct XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to formally dispute the accuracy of an entry on my credit report regarding the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$270.00} Status : Charged Off as of XX/XX/XXXX On Record Until : XX/XX/XXXX I am requesting an investigation into this account because I believe this information is inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, and I respectfully request that you : Investigate and verify the accuracy of this account directly with XXXX XXXX XXXX. 

Provide evidence that supports the reported charge-off. 

Remove or correct the entry if the information can not be substantiated. 

Attached to this letter are copies of identification and proof of address as required for processing disputes. If the creditor can not validate this account, I request the account be removed from my credit report entirely. 

Please complete your investigation and respond within the XXXX time frame allotted under the FCRA. I appreciate your assistance and look forward to your resolution. 

Sincerely, 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 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action Have yet to receive a document with my signature nor do they have correct info with my address

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: CA

Complaint narrative:
On three ocassion 's, I filed complaints regarding XXXX XXXX reporting information to the three credit bureaus, according to the internet, this seems to be a common problem. I paid off my XXXX XXXX credit card, {$1300.00} to clear my card, I have paid " on time '' and in excess of the minimum payment. XXXX XXXX refuses to report credit information correctly, accurately and on a " timely basis '' to the three credit bureaus in violation of the FCRA. Every time I make payments, more than required and have " never '' been late or delinquent, my credit score constantly falls due to the inaccurate information supplied by XXXX XXXX. My Payment date is on the XXXX of the month, I pay on the XXXX of the month " on time '' and far than what is required, my payment history for the last 2 years and 8 months is listed as " on time '' and " current '' In that time, XXXX XXXX has increased by credit amount from {$300.00} to XXXX and again to XXXX indicating that I pay on time and are in good standing. Every month starting in XXXX XXXXXXXX XXXX has sent the credit reporting agencies " incorrect information '' which has caused my credit store to fall from XXXX, to the current score of XXXX. This is a violation of the FCRA which has caused financial harm and additional efforts to correct their errors. XXXX XXXX  need to correct and once again comply 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief