vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I have continually asked for the re- investigation into the XXXX XXXX account on numerous occasions. Each time they are coming back verified when the information reporting is not reporting complete payment history and the fact it was re-aged in XXXX of XXXX but the account started in XX/XX/XXXX. In Experian and Transunion it is also reporting no data for XX/XX/XXXX to XX/XX/XXXX, which is also incorrect information when this account should be reporting on time payments. These are the things they are reporting as accurate and verified. When the investigation didnt correct the mistakes. CFPB has also sued these two credit bureaus for improperly handling investigations into issues that incorrectly been reporting and these two bureaus you continue to violate the FCRA federal law and the FDCPA federal law. These types of violations should never go unpunished. This has harmed my credit since XX/XX/XXXX for incorrect reporting and cause me not to be able to obtain things like a home because of the incorrect reporting and investigations into this matter. Im seeking punitive damages for years of mistakes from each separate entity. This has been hard and painful to bare when entities violate and false report information. This is why laws were set in place so these types of things dont happen.

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 2025-06-26 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have continually asked for the re- investigation into the Aid Advantage account on numerous occasions. Each time they are coming back verified when the information reporting is not reporting complete payment history and the fact it was re-aged in XXXX of XXXX but the account started in XX/XX/XXXX. In XXXX  and XXXX  it is also reporting no data for XX/XX/XXXX to XX/XX/XXXX, which is also incorrect information when this account should be reporting on time payments. These are the things they are reporting as accurate and verified. When the investigation didnt correct the mistakes. CFPB has also sued these two credit bureaus for improperly handling investigations into issues that incorrectly been reporting and these two bureaus you continue to violate the FCRA federal law and the FDCPA federal law. These types of violations should never go unpunished. This has harmed my credit since XX/XX/XXXX for incorrect reporting and cause me not to be able to obtain things like a home because of the incorrect reporting and investigations into this matter. Im seeking punitive damages for years of mistakes from each separate entity. This has been hard and painful to bare when entities violate and false report information. This is why laws were set in place so these types of things dont happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I asked them to stop calling and instead email me info and they said they would not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-26 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-06-26 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: EdFinancial Services
State: FL

Complaint narrative:
The lender was attempting to contact the wrong individual regarding this loan, and as a result, I did not receive any notice of delinquency or opportunity to resolve the issue. Therefore, I am disputing the accuracy of this 90-day late mark.

I've never been late on a payment, and always been responsible on my payments. The email, and phone number they provided was not under my knowledge and was never contacted personally. Now that I know these accounts are mine I pay them but I want the " 90-day late mark '' removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because multiple violations of the Fair Credit Reporting Act ( FCRA ) have occurred on my credit reports maintained by XXXX, TransUnion, and XXXX. Under FCRA 602 ( a ) and 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, several accounts are either : Misreported across bureaus ( e.g., a XXXX XXXX XXXX account is showing missed payments on one bureau while being reported as paid on time on the others ), Duplicated or inaccurately charged off ( e.g., XXXX XXXX appears twice on XXXX  with differing charge-off balances, not reflected at all by the other bureaus ), Or marked with unverified delinquencies and derogatory statuses that conflict with account status reported elsewhere. Furthermore, under FCRA 609 ( a ) ( 1 ), I have the right to know the sources of all information on my credit file, yet no such documentary evidence has been provided to substantiate these derogatory claims. I have also found incorrect personal identifying information, including : Unauthorized former names not matching my legal name ( XXXX XXXX XXXX ), Outdated or incorrect addresses and employers, and Multiple phone numbers and email addresses not associated with me. These inaccuracies violate FCRA 610 ( b ) and 611 ( a ), which require consumer reporting agencies to properly investigate disputes and correct or delete inaccurate or unverifiable information within 30 days. I have submitted detailed dispute letters to all three credit bureaus, along with proper identification and supporting documentation, requesting correction or deletion of inaccurate and unverifiable data. I am now asking the Consumer Financial Protection Bureau to investigate these ongoing FCRA violations and compel the credit bureaus to correct my credit files accordingly.

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 2025-06-26 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 Address : XXXX XXXX XXXX # XXXX XXXX MD XXXX ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery Associates ( PRA ) has repeatedly and willfully failed to address the core issues raised in my previous complaints submitted through this portal. This ongoing behavior reflects a blatant disregard for my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Most recently, PRA unlawfully altered the balance they are reporting to the credit bureaus decreasing it by exactly {$1.00} without any explanation or legitimate basis. I have never acknowledged ownership of this debt, never made a payment, and have not taken any action that would warrant a balance reduction. PRAs deceptive reporting tactic creates a false appearance of account activity and possible payment, which could mislead credit scoring models, lenders, or even revive the statute of limitations all of which are harmful and misleading. 

I raised this exact issue in my prior CFPB complaint, and PRA completely ignored it. Instead, they issued a generic, boilerplate response that failed to address the balance manipulation or provide any justification. Furthermore, they continue to submit documentation that they claim serves as validation, but these materials do not meet the legal standards of validation under the FDCPA. The so-called validation does not even match the amount they are currently reporting to the credit bureaus. 

This pattern of ignoring disputes, furnishing inaccurate updates, and evading accountability suggests more than just negligence it points to willful misconduct. PRAs behavior shows a systemic issue that deserves urgent regulatory scrutiny. 

I am requesting a formal investigation into PRAs reporting practices, their failure to meaningfully respond to consumer disputes, and their apparent attempts to fabricate account activity. I also request that the CFPB consider the potential for punitive action due to PRAs repeated and intentional disregard for federal consumer protection laws. 

Please see attached supporting evidence documenting the {$1.00} balance change and PRAs non-responsive prior reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute regarding unauthorized accounts and credit inquiries listed on my ChexSystems consumer report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically citing all applicable provisions to demand immediate deletion of these entries. These accounts and inquiries were not initiated or authorized by me, and I have reason to believe they may be related to identity theft. The following FCRA sections support my claim and enforce your obligation to investigate and remove this false information : - 602 : Fair and accurate credit reporting purpose- 603 : Definitions, including consumer report and identity theft- 604 : Permissible purpose for accessing reports- 605 : Obsolete information reporting- 605A : Fraud alerts and active duty alerts- 605B : Blocking of information resulting from identity theft- 607 : Compliance procedures- 609 : Disclosures to consumers- 611 : Dispute procedure and reinvestigation obligations- 616? 619 : Civil liability for willful or negligent noncompliance- 623 : Duties of furnishers of information The following unauthorized data must be permanently removed from my file : Fraudulent Account : - XXXX XXXX XXXX? Account # : XXXX | Amount : {$120.00} Unauthorized Inquiries : - XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, AL XXXX | Phone : XXXX | Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX | XXXX : XXXX | Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX | Phone : XXXX | Inquiry Date : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX | Inquiry Date : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | XXXX XXXX XXXX | Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX | Inquiry Date : XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX | Phone : XXXX | Inquiry XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX | Phone : XXXX | Inquiry Date : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX | Phone : XXXX | Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IN XXXX | Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, WASHINGTON, DC XXXX | Phone : XXXX | Inquiry Date : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX | Phone : XXXX XXXX Inquiry Date : XX/XX/year> Thank you for your urgent attention to 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 2025-06-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8500.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$7500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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