vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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 sent in multiple letters dealing with credit report to Experian, Equifax and TransUnion as of today they have not fixed the problem and its destroying my credit. 

Transuion is reporting account # XXXX multiple times Transuion is showing XXXX account # XXXX with a balance and this account was discharged in Bankruptcy. 

Transuion is showing XXXX account # XXXX as duplicate accounts with 2 different balances. 

Equifax is showing XXXX with duplicate account numbers # XXXX with different balances on XX/XX/year> Equifax is Showing XXXX XXXX as 4 late payments and this account was discharged thru bankruptcy in XXXX of this year and its also showing duplicate accounts Equifax is showing XXXXXXXX XXXX with duplicate accounts and balances and this account was also discharged thru bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
I have sent in multiple letters dealing with credit report to Experian, Equifax and TransUnion as of today they have not fixed the problem and its destroying my credit. 

Transuion is reporting account # XXXX multiple times Transuion is showing XXXX account # XXXX with a balance and this account was discharged in Bankruptcy. 

Transuion is showing XXXX account # XXXX as duplicate accounts with 2 different balances. 

Equifax is showing XXXX with duplicate account numbers # XXXX with different balances on XX/XX/year> Equifax is Showing XXXX XXXX as 4 late payments and this account was discharged thru bankruptcy in XXXX of this year and its also showing duplicate accounts Equifax is showing XXXXXXXX XXXX with duplicate accounts and balances and this account was also discharged thru bankruptcy

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 2025-10-22 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: LA

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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Asked company on multiple occasions to remove all accounts that does not have my correct personal information. Sent over my correct personal information and nothing has been removed from my credit report. There are wrong accounts, wrong spelling of my name, wrong addresses, wrong phone numbers being reported on my credit. It's illegal to allow companies to pull my credit report without permissible reasons and my consent. Please remove all accounts and inquires that where not giving with my written signature.

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 2025-10-22 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts reporting inaccurately and without my knowledge. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding inaccurate and noncompliant credit reporting practices discovered in my TransUnion credit report dated XX/XX/XXXX. 

The findings below detail potential violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Data Industry Associations Metro 2 reporting standards. 



Summary of Alleged Violations XXXX. XXXX XXXX XXXX Improper reporting of in collection status while indicating a dispute as completed and continued activity during dispute. 
Violations : FCRA 623 ( b ), FDCPA 807809, and Metro 2 Fields 162/168. 
XXXX. Telecommunications/Cellular Account Missing Date of First Delinquency ( DOFD ) and conflicting open/close dates ( XXXX XXXX ). 
Violations : FCRA 623 ( a ) ( 5 ) and Metro 2 6.2. 
XXXX. XXXX XXXX XXXX Reporting a balance after charge-off, inconsistent with Metro 2 Fields 17/37. 
Violations : FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Contradictory remarks ( Sold; was charged-off vs. Paid in Full ). 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 5.1.

Requested Resolution Initiate a full review and require furnishers and TransUnion to reinvestigate under FCRA 611 ( a ). 
Remove or correct any unverifiable, inaccurate, or incomplete data from my file. 
Enforce compliance measures for furnishers who fail to meet XXXX XXXX reporting standards. 



I respectfully request that an investigation be initiated and that corrective action be taken to ensure all data furnished about me is accurate, complete, and compliant with federal regulations. Please confirm receipt of this complaint and provide written updates on the investigation results. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MOHELA
State: PA

Complaint narrative:
I reviewed my credit report and found several accounts reporting inaccurate or incomplete information. I believe these accounts are being reported in error or without proper verification. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. s1681i ) and validation under the Fair Debt Collection Practices Act ( 15 U.S.C. s1692g ) where applicable. The listed accounts should be verified for accuracy or removed if proper documentation can not be provided

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bridge IT, Inc.
State: PA

Complaint narrative:
I reviewed my credit report and found several accounts reporting inaccurate or incomplete information. I believe these accounts are being reported in error or without proper verification. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. s1681i ) and validation under the Fair Debt Collection Practices Act ( 15 U.S.C. s1692g ) where applicable. The listed accounts should be verified for accuracy or removed if proper documentation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-22 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: MA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-22 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: MA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 recently pulled my credit report and noticed several negative accounts reporting inaccurately and without my knowledge. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding inaccurate and noncompliant credit reporting practices discovered in my TransUnion credit report dated XX/XX/XXXX. 

The findings below detail potential violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Data Industry Associations Metro 2 reporting standards. 



Summary of Alleged Violations XXXX. XXXX XXXX XXXX Improper reporting of in collection status while indicating a dispute as completed and continued activity during dispute. 
Violations : FCRA 623 ( b ), FDCPA 807809, and Metro 2 Fields 162/168. 
XXXX. Telecommunications/Cellular Account Missing Date of First Delinquency ( DOFD ) and conflicting open/close dates ( XXXX XXXX ). 
Violations : FCRA 623 ( a ) ( 5 ) and Metro 2 6.2. 
XXXX. XXXX XXXX XXXX Reporting a balance after charge-off, inconsistent with Metro 2 Fields 17/37. 
Violations : FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Contradictory remarks ( Sold; was charged-off vs. Paid in Full ). 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 5.1.

Requested Resolution Initiate a full review and require furnishers and TransUnion to reinvestigate under FCRA 611 ( a ). 
Remove or correct any unverifiable, inaccurate, or incomplete data from my file. 
Enforce compliance measures for furnishers who fail to meet XXXX XXXX reporting standards. 



I respectfully request that an investigation be initiated and that corrective action be taken to ensure all data furnished about me is accurate, complete, and compliant with federal regulations. Please confirm receipt of this complaint and provide written updates on the investigation results. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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 explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts reporting inaccurately and without my knowledge. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding inaccurate and noncompliant credit reporting practices discovered in my TransUnion credit report dated XX/XX/XXXX. 

The findings below detail potential violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Data Industry Associations Metro 2 reporting standards. 



Summary of Alleged Violations XXXX. XXXX XXXX XXXX Improper reporting of in collection status while indicating a dispute as completed and continued activity during dispute. 
Violations : FCRA 623 ( b ), FDCPA 807809, and Metro 2 Fields 162/168. 
XXXX. Telecommunications/Cellular Account Missing Date of First Delinquency ( DOFD ) and conflicting open/close dates ( XXXX XXXX ). 
Violations : FCRA 623 ( a ) ( 5 ) and Metro 2 6.2. 
XXXX. XXXX XXXX XXXX Reporting a balance after charge-off, inconsistent with Metro 2 Fields 17/37. 
Violations : FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Contradictory remarks ( Sold; was charged-off vs. Paid in Full ). 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 5.1.

Requested Resolution Initiate a full review and require furnishers and TransUnion to reinvestigate under FCRA 611 ( a ). 
Remove or correct any unverifiable, inaccurate, or incomplete data from my file. 
Enforce compliance measures for furnishers who fail to meet XXXX XXXX reporting standards. 



I respectfully request that an investigation be initiated and that corrective action be taken to ensure all data furnished about me is accurate, complete, and compliant with federal regulations. Please confirm receipt of this complaint and provide written updates on the investigation results. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1000.00}

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 2025-10-22 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: MS

Complaint narrative:
I have sent in multiple letters dealing with credit report to Experian, Equifax and TransUnion as of today they have not fixed the problem and its destroying my credit. 

Transuion is reporting account # XXXX multiple times Transuion is showing XXXX account # XXXX with a balance and this account was discharged in Bankruptcy. 

Transuion is showing XXXX account # XXXX as duplicate accounts with 2 different balances. 

Equifax is showing XXXX with duplicate account numbers # XXXX with different balances on XX/XX/year> Equifax is Showing XXXX XXXX as 4 late payments and this account was discharged thru bankruptcy in XXXX of this year and its also showing duplicate accounts Equifax is showing XXXXXXXX XXXX with duplicate accounts and balances and this account was also discharged thru bankruptcy

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 2025-10-22 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: LA

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 non-monetary relief
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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