vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
DEPARTMENT OF EDUCATION NO LONGER ARE HOLDING MY STUDENT LOANS AND THEY HAVE BEEN TRANSFERRED TO A COMPANY NAME XXXX. TRANSUNION, EXPERIAN AND EQUIFAX MARKED ALL XXXX ACCOUNTS REPORTING LATE FORM XXXX, XXXX, XXXX XXXX  DAYS LATE WHICH IS UNFAIR MISLEADING AND INACCURATE IF THEY NO LONGER HAVE THE ACCOUNTS I INFORMED ALL THREE CREDIT BUREAUS AND PROVIDED PROOF BUT THEY REFUSE TO REMOVE THE LATES I ONLY HAVE A RELATIONSHIP WITH XXXX WHO ARE THE NEW LENDERS OR COMPANY REPSONSIBLE FOR THIS ACCOUNT.I EVER BEEN LATE AND PER XXXX THEY TRANSFERED ONLY 30 DAYS AGO BUT THE DEPARTMENT OF EDUCATION RPEORTED ME LATE FOR XXXX, XXXX, XXXX, AND 120 DAYS THIS IS UNFAIR AND HURTING CREDIT WORTHINESS, PLEASE ASSIST ME WITH THIS MATTER I NEED HELP DUE TO THE MISLEADING OF INACCURATE REPORING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
DEPARTMENT OF EDUCATION NO LONGER ARE HOLDING MY STUDENT LOANS AND THEY HAVE BEEN TRANSFERRED TO A COMPANY NAME XXXX. TRANSUNION, EXPERIAN AND EQUIFAX MARKED ALL XXXX ACCOUNTS REPORTING LATE FORM XXXX, XXXX, XXXX XXXX  DAYS LATE WHICH IS UNFAIR MISLEADING AND INACCURATE IF THEY NO LONGER HAVE THE ACCOUNTS I INFORMED ALL THREE CREDIT BUREAUS AND PROVIDED PROOF BUT THEY REFUSE TO REMOVE THE LATES I ONLY HAVE A RELATIONSHIP WITH XXXX WHO ARE THE NEW LENDERS OR COMPANY REPSONSIBLE FOR THIS ACCOUNT.I EVER BEEN LATE AND PER XXXX THEY TRANSFERED ONLY 30 DAYS AGO BUT THE DEPARTMENT OF EDUCATION RPEORTED ME LATE FOR XXXX, XXXX, XXXX, AND 120 DAYS THIS IS UNFAIR AND HURTING CREDIT WORTHINESS, PLEASE ASSIST ME WITH THIS MATTER I NEED HELP DUE TO THE MISLEADING OF INACCURATE REPORING INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX XXXX XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this accountwithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account, causing ongoing harm. 

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
This is a refiling of my original complaint against EXPERIAN due to your continued failure to properly investigate and correct fraudulent and inaccurate accounts that remain on my credit report. Despite submitting formal disputes along with supporting documentation, you have taken no meaningful action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). As a result, these false accounts remain and continue to cause ongoing harm to my credit profile and personal reputation. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX/ ( Original Creditor : XXXX XXXX XXXX ) | Acct : XXXX | Date Opened : XX/XX/XXXX | Balance : {$2400.00} This debt was already paid to the original creditor. I never had any contractual agreement with XXXX XXXX XXXX, yet they are attempting to collect and report as if I owed them. This is fraudulent reporting, and I demand that this collection entry be deleted immediately. 

XXXX XXXX XXXX  | Acct : XXXX | Date Opened : XX/XX/XXXX | Balance : {$590.00} XXXX previously requested removal of the inaccurate charge-off status. No corrective action has been taken, leaving this harmful and misleading information on my report. If this entry can not be verified in full compliance with federal law, it must be deleted. 

XXXX XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXX This account is falsely reported as a charge-off. Despite my prior dispute, no correction was made. This reporting remains inaccurate, continues to harm my credit, and must be removed if it can not be fully verified as accurate. 

XXXX XXXX XXXX XXXX / ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) | Acct : XXXX | Date Opened : XX/XX/XXXX This account should never have been reported as a collection, as it was paid directly to the original creditor before any collection activity occurred. Its presence on my report is misleading and must be deleted immediately. 

I remind EXPERIAN of its obligations under FCRA 605B ( a ), which requires consumer reporting agencies to delete identity-theft-related and fraudulent accounts within XXXX business days of receiving proper documentation. Additionally, FCRA 623 ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting information that they knowor should knowis inaccurate. I have already provided an FTC Identity Theft Report, proof of identity, and proof of address. You are now on notice that these entries are invalid, and I demand their immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-08-19 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting a reinvestigation of this account. can not provide verified records showing these specific missed payments, I request that the late payment history be corrected or removed.Conducting a thorough investigation of the late payments, status codes, and account reporting with the data furnishers mentioned above. Having any incorrect, outdated, or unverifiable negative marks removed or corrected. Holding furnishers accountable for failing to report accurately and in compliance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I checked my credit report today as I usually do, only to find inaccurate accounts showing up for no apparent reason. I thought it might just be a browser error and tried refreshing, but the discrepancies did not go away. Since the inaccurate accounts were not removed, I am asking that the documents Ive submitted be thoroughly examined to ensure this problem is resolved once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I request an investigation and the immediate removal of these inquiries from my credit report, as they were not initiated or approved 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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Portfolio Recovery Associates talk , XXXX XXXX Re XXXX Request for Debt Validation pursuant to 15 U.S.C. 1692g To Whom It May Concern : This letter is a formal notice that I dispute the alleged debt referenced in your recer ommunication. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. ( 1692g, I am exercising my right to request full validation of this debt. Until you provide the required documentation, you must cease all collection activity Please provide the following : 1. Proof of the alleged debt - including the name of the original creditor, the amount, and an itemized accounting of all charges, interest, fees, and payments.

2. A copy of the original signed contract or agreement bearing my signature that establishes the alleged obligation.

3. Verification of your legal authority to collect this debt, including proof of assignment or ownership of the debt, as required under 15 U.S.C. 1692e 4. A complete chain of title from the original creditor to your agency 5. Proof that the statute of limitations has not expired for this alleged debt in my state. 
-Ans also pi t report this alleged debt to a credit reporting agency without proper validation will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( a ).

- Continued collection activity without providing validation is a direct violation of 15 U.S.C.

1692g ( b ) and may result in legal action.

- You must not engage in any form of harassment, threats, or misrepresentation, as prohibited by 15 U.S.C. 1692d and 1692e If you can not provide the above-requested documents, you must immediately : - Cease all collection efforts, - XXXX anyting ta ris mate al radi bureaus, and This letter is not a refusal to pay but a notice that your claim is disputed. I am requesting validation as required by law. Please respond within 30 days as mandated by the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Bureaus Reporting Inaccurate Personal Information ( FCRA Violations ) I am filing this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of my personal identifying information. The credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX However, the credit bureaus continue to report other obsolete and inaccurate addresses that are not associated with me. This creates confusion, lowers the accuracy of my consumer file, and provides creditors with false identifying information. 


the credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, the credit bureaus continue to report other obsolete and inaccurate addresses that are not associated with me. This creates confusion, lowers the accuracy of my consumer file, and provides creditors with false identifying information. 



This conduct is in direct violation of : FCRA 602 ( A ) Accuracy in consumer reporting.

FCRA 607 ( b ) Consumer reporting agencies must maintain maximum possible accuracy.

FCRA 611 Duty to reinvestigate disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a late payment incorrectly listed on my credit report. My records prove the payment was made on time, making this entry false. This inaccurate reporting is damaging to my creditworthiness and must be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation