vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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 ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
It is very upsetting that these inaccurate accounts are still showing up on my report and have not been removed. I am begging that my attached documents be examined closely so I can finally have peace of mind about 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 2025-11-03 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: FL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AZ

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 : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This complaint concerns the account reported by XXXX XXXX  XXXX ( XXXX XXXX ), which is being furnished inaccurately and in violation of federal consumer protection laws, XXXX XXXX reporting standards, and CFPB regulations. I dispute the accuracy, completeness, and legality of the information being reported, and I demand a lawful reinvestigation and immediate corrective action. 

XXXX XXXX  XXXX has failed to report this account with maximum possible accuracy as required under FCRA 602 ( A ), 607 ( b ), and 623 ( a ) by continuing to publish information that is inaccurate, inconsistent, incomplete, and misleading in violation of FCRA 1681s-2 ( a ), FCRA 1681e ( b ), and CFPB Regulation V. The continued furnishing of unverifiable, contradictory data fails XXXX XXXX Compliance Standards, specifically XXXX XXXX FAQ guidance, Credit Reporting Resource Guide ( CRRG ) rules on account status codes, payment history, and data integrity reporting obligations.

Under FCRA 611 ( a ) ( 5 ), the furnisher and the credit reporting agency are required to conduct a reasonable investigation, verify the accuracy with original source documentation, and correct or delete any data that can not be fully and lawfully verified. Re-furnishing unverifiable data is a violation of FCRA 623 ( a ) ( 8 ) and FCRA 623 ( b ).

Furthermore, knowingly reporting false, inaccurate, or misleading information after notice of dispute constitutes willful non-compliance under FCRA 616, negligent non-compliance under FCRA 617, and an unfair, deceptive, and abusive act or practice ( UDAAP ) under the CFPB Act 12 U.S.C. 5531 & 5536.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX  / XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Im constantly receiving emails and telephone calls from Halsted Financial. I have no knowledge, nor have I engaged in any form of business with Halsted Financial Services. In accordance with 15 USC 1692 ( c ) Communication with a Debt of The Fair Debt Collection Practices Act, I demand Halsted Financial to cease all communications with me concerning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX has reported an account in my name that I did not open, authorize, or sign for. I have never signed any documents, taken out a loan, or had any relationship with XXXX XXXX XXXX. 

This account is fraudulent. I previously disputed it with the credit bureaus and provided my FTC Identity Theft Report and supporting identification. Despite this, the account was removed and then reinserted on my credit report without notice or evidence which violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus must block information resulting from identity theft within 4 business days after receiving proof.

FCRA 611 ( a ) ( 5 ) ( B ) : A reinsertion of previously deleted information requires written certification from the furnisher and notice to the consumer within 5 business days.

FCRA 623 ( a ) ( 6 ) & ( a ) ( 8 ) : Furnishers ( XXXX ) are prohibited from reporting information they know or have reason to believe is inaccurate, and must investigate direct disputes regarding identity theft.

FCRA 609 ( e ) : Identity theft victims are entitled to copies of business records relating to fraudulent accounts or transactions made using their personal information. 

XXXX XXXX XXXX has failed to provide any signed documentation or proof that I authorized this account. The repeated reporting of this fraudulent debt and its reinsertion into my file is causing continued harm to my credit and reputation. 

I am requesting that the CFPB : 1. XXXX XXXX XXXX XXXX reporting of this fraudulent account. 
2. Ensure the account is permanently deleted from all of my credit reports.

3. Confirm that I have no financial responsibility for this debt.

4. Enforce compliance with all applicable FCRA provisions listed above.

Supporting documentation ( FTC Identity Theft Report, ID, proof of address, dispute correspondence, and recent credit report ) are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 am a victim of identity theft. XXXX XXXX XXXX has reported an account in my name that I did not open, authorize, or sign for. I have never signed any documents, taken out a loan, or had any relationship with XXXX XXXX XXXX. 

This account is fraudulent. I previously disputed it with the credit bureaus and provided my FTC Identity Theft Report and supporting identification. Despite this, the account was removed and then reinserted on my credit report without notice or evidence which violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus must block information resulting from identity theft within 4 business days after receiving proof.

FCRA 611 ( a ) ( 5 ) ( B ) : A reinsertion of previously deleted information requires written certification from the furnisher and notice to the consumer within 5 business days.

FCRA 623 ( a ) ( 6 ) & ( a ) ( 8 ) : Furnishers ( XXXX ) are prohibited from reporting information they know or have reason to believe is inaccurate, and must investigate direct disputes regarding identity theft.

FCRA 609 ( e ) : Identity theft victims are entitled to copies of business records relating to fraudulent accounts or transactions made using their personal information. 

XXXX XXXX XXXX has failed to provide any signed documentation or proof that I authorized this account. The repeated reporting of this fraudulent debt and its reinsertion into my file is causing continued harm to my credit and reputation. 

I am requesting that the CFPB : 1. XXXX XXXX XXXX XXXX reporting of this fraudulent account. 
2. Ensure the account is permanently deleted from all of my credit reports.

3. Confirm that I have no financial responsibility for this debt.

4. Enforce compliance with all applicable FCRA provisions listed above.

Supporting documentation ( FTC Identity Theft Report, ID, proof of address, dispute correspondence, and recent credit report ) are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VT

Complaint narrative:
I purchased internet service from XXXX in XXXX of XXXX. It was installed and did not work. I returned the equipment and was told there would be no charge. I have since gone online to see my account and it shows a XXXX balance. XXXX XXXX XXXX XXXXXXXX says I owe {$29.00} as a disconnect fee. I called XXXX and they said I owed nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I received a letter on XX/XX/year> stating that data furnishes are not required to investigate certain disputes received directly from consumers. Which this company is sending information to the credit bureaus without proof of ownership that it belongs to the consumers in a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc.
State: NY

Complaint narrative:
Repeated harassing phone calls, they call every day monday-friday sometimes multiple times per day. Just now, XXXX  called XXXX  times from XXXX different numbers over XXXX hour

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Nelnet, Inc.
State: OH

Complaint narrative:
I received a letter on XX/XX/year> stating that data furnishes are not required to investigate certain disputes received directly from consumers. Which this company is sending information to the credit bureaus without proof of ownership that it belongs to the consumers in a violation of the FCRA.

Company response to consumer: Closed with explanation