vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for failing to correct inaccurate and unlawful late payment entries on my credit reports, despite repeated disputes submitted in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

The inaccurate accounts are : XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Over the past XXXX months, I have submitted XXXX separate dispute letters to all three bureaus. Each letter included my identification and supporting documentation proving the reporting error. These disputes were sent directly by me. Each contained specific references to the billing error provisions of the Fair Credit Billing Act and the correction requirements of the Fair Credit Reporting Act. 

Under federal law, the bureaus were required to : Acknowledge receipt of my billing error notice within XXXX days. 

Conduct a reasonable reinvestigation and correct the error within XXXX billing cycles, not more than XXXX  days. 

Provide a written explanation of their findings, including the documents relied upon in their decision. 

TransUnion, Experian, and Equifax have failed to : Provide a lawful and complete resolution to my dispute. 

Supply documentary evidence to justify the continued reporting of the late payments. 

Remove or correct the inaccurate entries even after receiving irrefutable proof of the billing error. 

Their ongoing reporting of these false late payments violates 15 U.S.C. 1666, 15 U.S.C. 1681s-2, and potentially state consumer protection laws. These violations are causing continuing harm to my creditworthiness and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal dispute of a fraudulent account appearing on my credit report. I have no connection with this account and never authorized it. Its presence is wholly inaccurate, misleading, and damaging to my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, which the banks confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under XXXX U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX XXXX 2018 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing the accuracy and completeness of the Lead Bank account appearing on my credit reports. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act, and any applicable state consumer protection laws.

Upon review of my credit files from Equifax, Experian, and TransUnion, I have identified multiple factual errors and reporting violations : 1. Inconsistent and Conflicting Payment Statuses The same account is reported as Closed on Equifax and TransUnion, yet Open on Experian, which is materially inconsistent and violates FCRA 1681e ( b ), requiring you to maintain maximum possible accuracy.

2. Improper Delinquency Reporting on a Closed Account TransUnion and Equifax report XXXX, XXXX, XXXX, and XXXX late payments after the reported closure date of XX/XX/year>, which is chronologically impossible and a clear inaccuracy under FCRA 1681i ( a ). 

3. Duplicate and Misleading Creditor Names The account is reported under variations ( Lead Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Bank ), which creates the appearance of multiple negative accounts for the same obligation, violating the prohibition against misleading credit reporting.

4. Balance & Past Due Amount Errors Experian reports a {$5.00} past due balance as of XX/XX/year>, while Equifax and TransUnion report different balances ( {$15.00}, {$20.00}, and {$25.00} ) for the same months, with no consistent payment history. This constitutes a willful or negligent failure to report accurate data under FCRA 623 ( a ) ( 1 ).

5. Failure to Report Date of First Delinquency Accurately The DOFD is inconsistently reported ( XX/XX/year> on Equifax ; missing on Experian ; implied later on TransUnion ), which directly violates FCRA 623 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the accuracy and completeness of the Lead Bank account appearing on my credit reports. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act, and any applicable state consumer protection laws.

Upon review of my credit files from Equifax, Experian, and TransUnion, I have identified multiple factual errors and reporting violations : 1. Inconsistent and Conflicting Payment Statuses The same account is reported as Closed on Equifax and TransUnion, yet Open on Experian, which is materially inconsistent and violates FCRA 1681e ( b ), requiring you to maintain maximum possible accuracy.

2. Improper Delinquency Reporting on a Closed Account TransUnion and Equifax report XXXX, XXXX, XXXX, and XXXX late payments after the reported closure date of XX/XX/year>, which is chronologically impossible and a clear inaccuracy under FCRA 1681i ( a ). 

3. Duplicate and Misleading Creditor Names The account is reported under variations ( Lead Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Bank ), which creates the appearance of multiple negative accounts for the same obligation, violating the prohibition against misleading credit reporting.

4. Balance & Past Due Amount Errors Experian reports a {$5.00} past due balance as of XX/XX/year>, while Equifax and TransUnion report different balances ( {$15.00}, {$20.00}, and {$25.00} ) for the same months, with no consistent payment history. This constitutes a willful or negligent failure to report accurate data under FCRA 623 ( a ) ( 1 ).

5. Failure to Report Date of First Delinquency Accurately The DOFD is inconsistently reported ( XX/XX/year> on Equifax ; missing on Experian ; implied later on TransUnion ), which directly violates FCRA 623 ( a ) ( 5 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

BANK XXXX XXXX XXXX BALANCED DATE OPEN : XX/XX/XXXX XXXX  XXXX XXXX BALANCED XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED {$5700.00} XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

BANK XXXX XXXX XXXX BALANCED DATE OPEN : XX/XX/XXXX XXXX  XXXX XXXX BALANCED XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED {$5700.00} 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Formal Complaint Regarding Unauthorized and Inaccurate Reporting by XXXX XXXX XXXX, FERPA Violation, and FCRA Non-Compliance I am filing this complaint against XXXX for knowingly reporting unauthorized and inaccurate student loan accounts with late payments to my credit report in violation of multiple federal laws and regulations. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be on my credit report for the following reasons : Data Breach & Unauthorized Access My personal information was accessed without my consent due to the DOGE data breach. This breach constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Federal Education Rights and Privacy Act ( FERPA ). XXXX has no lawful basis to continue reporting these accounts after my private data was compromised. 
FCRA 605B Violation Under 15 USC s 1681c-2, I have the right to block information resulting from identity theft or unauthorized accounts. These accounts are unauthorized and therefore must be removed immediately. 
Debt Validation Failure Under the Fair Debt Collection Practices Act, XXXX must provide complete debt validation before reporting or continuing to report any debt. I have requested validation and have not received lawful proof of ownership, signed contracts, or legitimate account documentation. 
FERPA Breach DOGEs unauthorized access to my educational loan records constitutes a direct FERPA violation. XXXX failed to safeguard my educational records, and by law, can not continue reporting them to consumer reporting agencies. 
No Consent to Report Federal law requires that a furnisher of information have my authorization to report accounts to consumer reporting agencies. I have not given XXXX such permission. 
Due to these violations, I am demanding the immediate and permanent deletion of these accounts from all credit bureaus. The continued reporting of this information is willful noncompliance with federal law and causes ongoing damage to my creditworthiness and financial stability. 
I am requesting that the CFPB take immediate enforcement action to hold XXXX accountable for these violations and ensure these accounts are deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX with lates reported as XXXX  days late in XX/XX/year> This late payment notation is the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The bank misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracy with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation