vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-12 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-12 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: TX

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 2025-09-12 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: TX

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 2025-09-12 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: FL

Complaint narrative:
I found inquiries on my credit report that are not mine.

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 2025-09-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MO

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have appeared on my credit report. These accounts do not belong to me, were never authorized, and are the result of error or identity theft. Their presence is damaging, inaccurate, and a direct violation of my right to fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
The first of XX/XX/year>, I contacted XXXX XXXX  to change our autopay to a new bank. I spoke with customer service representative who setup new bank and assured me everything was setup and draft would start from new account on XX/XX/year>. I received a letter from XXXX XXXX  ( which is uploaded below ) that stated new draft had been setup and new draft would start on XX/XX/year>. The last of XX/XX/year> I had to travel out of the country for work. XXXX XXXX  drafted XX/XX/year> payments and then in XXXX and XX/XX/year> drafted from the previous used bank account causing mortgage payments to not be received by XXXX XXXX XXXX XXXXXXXX and XXXX. Once I was notified I immediately brought account up to date. Since the late payments resulted from errors on XXXX XXXX  's end, I believe they should be willing to remove the late payments for XXXX and XX/XX/year>. I have contacted them multiple times and have not been able to get them to do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
The first of XX/XX/year>, I contacted XXXX XXXX  to change our autopay to a new bank. I spoke with customer service representative who setup new bank and assured me everything was setup and draft would start from new account on XX/XX/year>. I received a letter from XXXX XXXX  ( which is uploaded below ) that stated new draft had been setup and new draft would start on XX/XX/year>. The last of XX/XX/year> I had to travel out of the country for work. XXXX XXXX  drafted XX/XX/year> payments and then in XXXX and XX/XX/year> drafted from the previous used bank account causing mortgage payments to not be received by Freedom Mortgage for XXXX and XXXX. Once I was notified I immediately brought account up to date. Since the late payments resulted from errors on XXXX XXXX  's end, I believe they should be willing to remove the late payments for XXXX and XX/XX/year>. I have contacted them multiple times and have not been able to get them to do anything.

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 2025-09-12 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: AL

Complaint narrative:
The first of XX/XX/year>, I contacted XXXX XXXX  to change our autopay to a new bank. I spoke with customer service representative who setup new bank and assured me everything was setup and draft would start from new account on XX/XX/year>. I received a letter from XXXX XXXX  ( which is uploaded below ) that stated new draft had been setup and new draft would start on XX/XX/year>. The last of XX/XX/year> I had to travel out of the country for work. XXXX XXXX  drafted XX/XX/year> payments and then in XXXX and XX/XX/year> drafted from the previous used bank account causing mortgage payments to not be received by Freedom Mortgage for XXXX and XXXX. Once I was notified I immediately brought account up to date. Since the late payments resulted from errors on XXXX XXXX  's end, I believe they should be willing to remove the late payments for XXXX and XX/XX/year>. I have contacted them multiple times and have not been able to get them to do anything.

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 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding your failure to provide a debt validation letter.

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 2025-09-12 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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 2025-09-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am writing to dispute the accuracy of the information being reported on my Experian credit file regarding the account listed below. This information is inaccurate and unverifiable and must be corrected or deleted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Charged off, {$1300.00} past due as of XX/XX/XXXX Basis of Dispute : The reported balance of {$1300.00} and charge-off status are not accurate and do not match my records. 

The account type is listed as a business card but is being reported under my personal credit, which is misleading and inconsistent. 

The dates and account history appear inconsistent and have not been properly verified by the furnisher. 

Under the FCRA, Experian is required to : Conduct a reasonable reinvestigation of this account, Verify the accuracy directly with the furnisher, and Delete or correct any information that can not be verified.

Please complete your reinvestigation within 30 days and provide me with written confirmation of the results, along with an updated copy of my credit report. If the furnisher can not fully verify this information, you must remove it.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-12 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: MO

Complaint narrative:
On a prior date, the account XXXX OF XXXX - XXXX, XXXX OF XXXX - XXXX was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report XXXX ), which confirmed that the account was reported without my authorization or consent. 
Recently, this same account was unlawfully reinserted into my credit file. The XXXX XXXX XXXX Transunion stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 
Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within XXXX ( XXXX ) business days of the reinsertion, as required by FCRA XXXX ( d ). 


No such certification or notice was provided. This also violates FCRA XXXX, which mandates the blocking of identity theft-related information within XXXX ( XXXX ) business days after receipt of an official FTC Identity XXXX Report, and FCRA XXXX ( a ) ( XXXX ), which requires furnishers to update or correct previously disputed information. 
The reinsertion occurred without any permissible purpose under FCRA XXXX ( XXXX XXXX. XXXX ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information. 
This unlawful action has caused measurable and documented harm, including : A significant decrease in my XXXX XXXX. 


The disruption of a pending mortgage application. 


Financial and reputational damage to my credit profile. 


I have made multiple good-faith attempts to resolve this matter directly with the credit reporting XXXX XXXX but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under XXXX XXXX. XXXX and 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 2025-09-12 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to report inaccurate and outdated information concerning a collection account listed by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ). Despite multiple disputes filed directly with Equifax, the account remains on my credit report with misleading details and derogatory status, showing a high balance of {$2100.00} and a " XXXX '' pay status with no resolution. 

This debt is not valid, was never verified with proper documentation, and fails to meet the Metro 2 and FCRA standards for accurate credit reporting. I have requested validation and deletion from both the data furnisher and Equifax, including challenges to the ownership, amount, and legality of the alleged debt. 

Equifax has refused to remove or properly investigate this account despite my repeated disputes and supporting evidence that clearly demonstrate failure to meet compliance standards. The continued reporting of this unverifiable debt is causing undue harm to my creditworthiness, limiting my ability to secure housing and financial services. 

What would be a fair resolution to this issue? 
I am requesting the immediate deletion of the XXXX XXXX XXXX account from my Equifax credit report due to failure to validate the debt under the FCRA and failure to meet Metro 2 compliance standards. This includes full removal of all derogatory remarks, payment history, collection remarks, and account details from all consumer reporting sections.

Company response to consumer: Closed with non-monetary relief