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

Complaint narrative:
CFPB Complaint XXXX XXXX Account Reporting Inconsistency and Inaccuracy Company involved : XXXX XXXXXXXX XXXX XXXX XXXX  TransUnion Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Auto Loan ( Installment ) Issue Description : I am submitting this complaint regarding an auto loan account with XXXX XXXX that is being reported inaccurately and inconsistently by XXXX and TransUnion, even after it has been deleted by XXXX 

Issues : XXXX XXXXeleted the account on XX/XX/XXXX, recognizing the reporting was inaccurate. 

XXXX and TransUnion continue to report this account as negative, with multiple late payments, and show the account as still open despite no valid activity since early XXXX. 

The last reported dates, balance owed, and delinquency history do not match across bureaus. 

The payment history includes XXXX late payments and continued derogatory marks even after XXXX XXXXXXXX the reporting invalid and removed the account. 

The account shows no legitimate activity beyond XXXX and should not be marked as Open or Negative. 

Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) : Information disputed and deemed inaccurate must be corrected or deleted.

15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete inaccurate data upon dispute.

15 U.S.C. 1681n & 1681o : Allow for civil liability for negligent or willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am the victim of identity theft. An American Express account was fraudulently opened in my name. I submitted a valid identity theft report, government-issued ID, and proof of address as required under FCRA 605B. Despite this, AMEX has refused to block or remove the fraudulent tradeline and instead shifted the burden of proof back to me, which violates the law. They are continuing to report this account and pursue collection activity. I am requesting that the CFPB enforce my rights under FCRA 605B and require immediate deletion of this fraudulent a

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 am filing this complaint because Experian, Equifax, and TransUnion continue to report multiple charged-off accounts from XXXX XXXXXXXX and XXXX XXXX as Potentially Negative, with balances and derogatory payment history, despite the debts having been officially canceled.

The original creditors issued IRS Form 1099-C for each of these accounts, proving the debts were discharged and reported as canceled income to the IRS. I have provided copies of these official 1099-C documents directly to the credit reporting agencies. Under federal law, this means the debts are no longer legally owed, and continuing to report them as active or past due is inaccurate and misleading.

I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) for failing to ensure maximum possible accuracy, FCRA 1681i for not properly investigating and correcting these accounts after I supplied documentary evidence, and FCRA 1681s-2 ( a ), as they act as furnishers by selling and providing my credit data and have continued to report inaccurate information.

They are also violating industry Metro 2 standards by failing to update the status of these canceled accounts, reporting them with balances and payment history after cancellation, and not coding them with appropriate dispute flags.

I am requesting that the CFPB require Experian, Equifax, and TransUnion to immediately delete these canceled accounts from my credit reports and provide me with written confirmation. Their ongoing reporting is harming my credit reputation and causing unnecessary stress despite clear evidence that these debts were canceled.

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX

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

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am writing to file a formal complaint against XXXX ( XXXX XXXX XXXX  ) and the national credit reporting agencies TransUnion, Experian, and XXXX  regarding the repeated, inconsistent, and inaccurate reporting of an account ( Account # XXXX XXXX XXXX XXXX XXXX ) on my consumer credit reports. I have made multiple attempts to resolve these inaccuracies directly with the credit bureaus, but they continue to report unverifiable and conflicting information in violation of the Fair Credit Reporting Act ( FCRA ).

Summary of Issues : The XXXX account in question is being reported with significant discrepancies across all three bureaus : Different last payment dates : TransUnion/Experian show XX/XX/XXXX, while XXXX  lists XX/XX/XXXX. 

Different last activity dates : TransUnion reports XX/XX/XXXX ( future date ), Experian shows XX/XX/XXXX, XXXX  lists XX/XX/XXXX. 

Inconsistent balance and past due amounts : Experian reports a {$550.00} balance, while TransUnion and XXXX  show {$550.00}. 

Conflicting high credit amounts : Experian reports {$0.00}, TransUnion shows {$450.00}, and XXXX reports {$370.00}. 

Incorrect two-year payment history on XXXX : Reflects OK payment status through XXXX even though the account was charged off years earlier in XXXX. 

Additionally, XXXX  has continued to tag this account

as Consumer disputes reinvestigation in progress, even after previous disputes were closed. This is misleading and must be corrected or removed if no active investigation is ongoing. My Attempts to Resolve : I have disputed this account directly with the credit bureaus and provided all relevant details. Despite this, they continue to verify information that is clearly inaccurate, outdated, and unverifiable. I have not received any valid proof such as signed agreements or itemized statements to substantiate the data being reported.

My Rights Under the Law : Under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), I have the right to : Dispute inaccurate information and have it corrected or deleted within 30 days ; Receive proper documentation verifying the validity of a debt or derogatory status ; Expect that data furnishers and CRAs report only accurate, consistent, and complete 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 2025-07-07 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CO

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
There is no financial way I can pay this total amount by them charging over XXXX percent plus XXXX fee on top.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
Several hard inquiries appear on my Experian credit report. I have reviewed my credit report and noticed inquiries that I do not recognize or authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or the result of fraud or error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Car was repossessed and sold in action and they refused to remove t the collection on account

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