vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This letter serves as formal notice that I dispute the reporting of late payments on my consumer credit file related to : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. The alleged delinquencies occurred directly during and due to a federally declared natural disaster California 2-7 Fire ( FM5612-CA ) 2025, which severely impacted my financial stability and ability to maintain timely payments.Under federal law, any information furnished and reported must be accurate and fairly represent a consumers situation. Reporting derogatory information caused by a verified disaster constitutes negligent and/or willful violations of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after notice of a dispute 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681c Reporting harmful information under restricted circumstances 15 U.S.C. 1666b Obligations for proper and timely crediting of payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This letter serves as formal notice that I dispute the reporting of late payments on my consumer credit file related to : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. The alleged delinquencies occurred directly during and due to a federally declared natural disaster California 2-7 Fire ( FM5612-CA ) 2025, which severely impacted my financial stability and ability to maintain timely payments.Under federal law, any information furnished and reported must be accurate and fairly represent a consumers situation. Reporting derogatory information caused by a verified disaster constitutes negligent and/or willful violations of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after notice of a dispute 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681c Reporting harmful information under restricted circumstances 15 U.S.C. 1666b Obligations for proper and timely crediting of payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 disputing the following inquiries and late payment on my Equifax credit report. Please verify their accuracy and ensure they comply with the Fair Credit Reporting Act. 

INQUIRIES : XXXX, XX/XX/year> XXXX, XX/XX/year>XXXX XXXX XXXXXX/XX/year> LATE PAYMENT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I filed a debit card dispute with Axos Bank about XX/XX/year> for an unauthorized or incorrect transaction. 

It has been over 45 days, and the merchant has not responded. Despite this, Axos Bank has not provided me with a provisional credit as required by Regulation E ( 12 CFR 1005.11 ).

Under Regulation E, the bank must issue a provisional credit within 10 business days if the investigation is not yet complete, and must resolve the claim within 45 days.

I have repeatedly contacted the bank, but they have not credited my account or provided a written explanation of the investigation results.

I am requesting that Axos Bank immediately issue the provisional or final credit and provide written documentation of their findings, in compliance with Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AR

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 US 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 2025-11-05 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: AR

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 US 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 2025-11-05 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal dispute and legal demand regarding serious violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by TransUnion.

The information being reported in my consumer credit files contains false, inaccurate, and misleading data, which creates confusion as to the validity of the accounts listed below. I did not authorize, permit, or consent to the reporting of these accounts, nor was I given prior notice or the opportunity to object to their inclusion. This constitutes a direct violation of the FCRA.

Despite submitting a formal written dispute with complete supporting documentation on XX/XX/XXXX, none of the credit bureaus conducted a reasonable reinvestigation as required by federal law, and the inaccurate information remains on my credit files. 

This conduct violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( Section 611 ) : failure to reasonably reinvestigate disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibition against furnishing false or inaccurate information.

15 U.S.C. 1681c-2 ( Section 605B ) : requirement to block or delete unverifiable or unauthorized items upon receipt of appropriate documentation.

The continued reporting of these accounts misrepresents my financial history and causes harm to the integrity and accuracy of my credit profile. 

Federal courts have established that failing to correct or accurately mark disputed accounts violates the FCRA, including XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

This inaccurate reporting continues to damage my reputation, creditworthiness, and financial opportunities in direct violation of my rights under federal 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 2025-11-05 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 no connection to these accounts and they should be deleted within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-11-05 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:
On XX/XX/year>, I sent dispute letters to each credit reporting agency regarding inaccurate, obsolete, and misleading accounts on my credit reports. 
I requested that each bureau : Conduct a proper reinvestigation of the disputed items within 30 days as required by 15 U.S.C. 1681i ( Fair Credit Reporting Act ).

Remove all unverifiable or inaccurate accounts and inquiries.

Provide full file disclosures including the sources of information, dates, and end-users who accessed my report, as required by 15 U.S.C. 1681g.

Despite these requests, I have not received a proper reinvestigation or verification. The inaccurate information continues to appear on my reports, resulting in emotional XXXX, financial harm, and denial of credit.

Furthermore, each bureau has reported and published my personal information without my explicit consent or written authorization, which I believe constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ).

I also expressed concern about prior data breaches and improper sharing of my personal information, which could relate to potential identity theft or mishandling of my data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because my credit reports from XXXX, XXXX, and XXXX  are inaccurately reporting an account from REGIONALAC XXXX High Balance : {$18000.00} Date Opened : XX/XX/year>, listed as a Charge Off. I have no knowledge, records, or documentation of ever having this account with Regional Acceptance Corporation or any related lender. I have never opened, authorized, or signed for any account associated with this number or balance. This listing is false, unverifiable, and damaging to my credit reputation. I have never received any billing statement, communication, or verification from the creditor that establishes my responsibility for this alleged debt. 

I have disputed this information directly with the credit bureaus, but the account remains on my reports without proper verification from the furnisher. This failure to verify violates the Fair Credit Reporting Act ( FCRA ) Sections 602, 607 ( b ), and 611, which require data furnishers and credit reporting agencies to ensure the maximum possible accuracy of all reported information and to delete any entry that can not be fully verified. Reporting an unverified charge-off after notice of dispute constitutes negligent and inaccurate reporting, and continued reporting without proof may be considered willful noncompliance under federal 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 2025-11-05 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
LATE PAYMENTS ON MY CREDIT REPORT ACCORDING THE FAIR CREDIT ACT CODE 15 USC 1666B THESE LATE PAYMENTS MUST BE REMOVED OTHERWISE IS ILLEGAL AND UNLAWFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal or correction of the following items on my TransUnion credit report, as they are inaccurate or incomplete. I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to have this information reviewed and corrected. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IL

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 US 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