vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
Dispute delay causing credit suppression despite creditor confirmation I filed a dispute with TransUnion regarding my closed XXXX  personal loan, which has been paid in full, never late, and should reflect as XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX has confirmed that they updated this tradeline with XXXX  XXXX  credit bureaus and that no dispute remains open on their end. 

Despite this, TransUnion has kept the dispute open for XXXX, stating they are waiting on the creditor. 

This has caused my credit file to be XXXX  as disputed, which is XXXX  my XXXX XXXX and impacting my creditworthiness. 

I am requesting TransUnion to : XXXX. Immediately remove the dispute flag XXXX. Accurately reflect the account as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Confirm full tradeline reporting consistent with XXXX and XXXX  Supporting documentation from the creditor is available and has already been submitted to XXXX. 

Thank you.

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 2025-07-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank used my current mortgage as a reason to decrease and close my credit accounts with them. They said I did not pay down my mortgage fast enough to warrant having credit with them. I feel like they discriminate against people that do refinancing on mortgages. It appears trying to be a home owner, in this economy, has become detrimental to me. Because Synchrony Bank decreased my limits on two cards and one credit account with Paypal and cancelled a card I have not used in a while, other credit cards used this as a reason to lower limits as well. 

Synchrony Bank single-handedly destroyed my good credit by using my mortgage against me.

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 2025-07-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The account PORTFOLIO RECOVERY ASSOC. ( XXXX ) on my credit report is inaccurate, showing collection Or Charge Off. Dates XXXX and XXXX are incorrect, which blocks my financing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.  XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.  XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a ID restoration theft with my bank account. The bank was fraudulently accessed with my bank account Business profile email and employee information. I have a account fraud of my financial representation. My account was hacked by XXXX XXXX with data breach. I asked to obtain a breach of contract ID restoration with my insurance policy from the error log in account termination. I had a deposit of my tax return stole with my taxes from my XXXX. Also lost my insurance policy ID restoration to a citation suspicious log in error with bankruptcy claim. My account was terminated with a inaccessible data breach account hack. I have been looking to file an appeal with my bank account XXXX due process of collection amended return XXXX affidavit with security breach. My contract attorney for ID restoration of my fraudulent accessed account. My inaccessible account was hacked with my business account and filed for data breach. I want to contact Lanier Law LLC or my attorney in XXXX XXXX to file the claims department resiliency team with Experian ID restorations. I could transfer the XXXX XXXX department if it is closer better attorney. Try to get me a case number for data breach to file a claim for bankruptcy restoration.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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:
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 2025-07-02 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:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
What happened? 

I previously submitted a complaint regarding a {$700.00} debt reported by Portfolio Recovery Associates. In their response, they claimed they sent me a written notice about the debt and my right to dispute it. However, I never received any such notice. 

I only became aware of the collection account after seeing it on my credit report. I was never given a fair opportunity to dispute the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not speak English fluently, and if I answered phone calls from unknown numbers, I could not understand what was being said. I also suffered a serious car accident on XX/XX/year>, caused by a police officer. I nearly lost my life and was left unable to deal with any financial or legal matters. 

To this day, I have received no compensation from the police insurance company responsible for the accident. I have no means to pay this debt. I respectfully ask for understanding and compassion in my situation. 

Most importantly, I ask that this collection account be permanently deleted from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because my Experian account has been compromised. Someone changed the email address and password without my knowledge or consent and I am now locked out of my account. I am concerned that my personal identity and credit information are being misused.

I have attempted to contact Experian multiple times by phone and through their website but I have been unable to regain access or place a fraud alert. The website continues to display technical errors and phone representatives insist on pulling my credit report to proceed even though I clearly stated that I am not applying for credit and do not consent to a hard or soft inquiry.

All I am trying to do is secure my account, place a fraud alert and verify my identity through proper means. I feel that Experian is making this process far more difficult than necessary and I am being left unprotected while my account remains vulnerable.

I am requesting that Experian immediately lock my compromised account, assist with identity verification and allow me to place a fraud alert without performing an inquiry on my report. Thank you for your time 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out through this complaint because Equifax is reporting an incorrect date of birth on my credit file. My birthdate is currently shown as XX/XX/XXXX. This is incorrect. My true and legally documented date of birth is XX/XX/XXXX. I have already uploaded a valid government-issued ID showing my correct date of birth, yet Equifax has failed to correct the record. 

This error has repeatedly caused identification verification issues, particularly when institutions cross-check my information during credit applications, employment screenings, or account openings. It's not just an inconvenienceits a serious misrepresentation of who I am and it undermines the integrity of my entire credit file. 

It is appalling that Equifax continues to display a birth year that I have proven to be incorrect. As someone who is diligent about keeping my financial and credit history in order, I find it unacceptable that my personal information is being misreported after proper documentation was submitted. A birthdate is a fundamental piece of identity. If Equifax can not maintain accuracy on that, it calls into question the reliability of all other data on the report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), Equifax is required to ensure that consumer information is reported with maximum possible accuracy. Additionally, 15 U.S.C. 1681i mandates that when a consumer files a dispute and provides supporting documentation, Equifax must conduct a reasonable reinvestigation and correct any errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and found incorrect and unauthorized inquiries : Address : XXXX XXXXXXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Inquiries : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-02 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: IL

Complaint narrative:
I am a documented victim of identity theft and submitted a full dispute package to TransUnion, including an FTC Identity Theft Report, valid photo ID, and proof of address. The fraudulent account was from XXXX XXXX, opened around XX/XX/year> with a balance of over {$36000.00}. 

I requested blocking and removal under 15 U.S.C. 1681c-2, which legally requires TransUnion to block identity theft accounts within XXXX business days. Instead, TransUnion marked the account verified as accurate and refused to remove it. 

This is a direct violation of the Fair Credit Reporting Act. Im asking the CFPB to take enforcement action and ensure TransUnion permanently blocks the account per 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 2025-07-02 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: VA

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 2025-07-02 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:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

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 2025-07-02 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief