vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
This complaint is about Transunion credit reporting as well as Experian and Equifax, and refers to one debt only, XXXX. 
Twice, with all three credit reporting agencies, I have disputed an item, and they refuse to remove the incorrect debt. 
XXXX is listed as a creditor and the credit reporting agencies have me reported late at varying dates and varying amounts of time. Transunion reports me XXXX  days late as of XXXX, XXXX, Equifax reports me being late XXXX days as of XXXX, XXXX and Experian reports me XXXX  days late as of XX/XX/XXXX. 
Even though I provided evidence from XXXX to support my position, all three credit reporting agencies refuse to remove the debt. 
I was given a forbearance by XXXX until XXXX, XXXX. 
I provided evidence to all credit reporting agencies, that being : XXXX. A letter from XXXX granting me forbearance until XXXX, XXXX labeled " Exhibit # 1. '' 2. A tax document from XXXX stating I was not past due, {$0.00} amount owed, labeled " Exhibit # XXXX. '' I pointed this out to all the credit bureaus that it was even in their credit report that I was " OK '' or paid on time ( re : the dates and times listed above ) and that it would be impossible to be XXXX or 120 days past due if every month prior and after I was " OK '' or paid on time. 
Additionally, I provided evidence of my on time payment for XXXX, XXXX. 

This is insane! It's like they aren't even looking at any evidence I provide or use any sort of logic, or perhaps they just plug it into AI and send back the results. 

Please help me get this item from XXXX removed from Transunion, Equifax and Experian credit reporting agencies. 

* Note : With my prior complaint against Transunion in XX/XX/XXXX, A company reported that I was in default of a debt. I disputed that to Transunion. I was sued by the company claiming I owed money to. The court ruled in my favor and threw out the case. When I sent the evidence to Transunion that I won in court, that being a copy of the judge 's order in my favor, and asked them to remove that debt, they refused to remove it. I made a complaint about Transunion to cfpb and Transunion still refused to remove it. I called Transunion and asked them why they refused to remove it and asked to speak to their legal counsel to resolve the issue. They refused to provide me with their legal counsel 's information and stated, " Let me give you a little advice, this item will only be in your credit report for a few more months, so if I was you, I'd let it go. By the time you get an attorney it will be resolved so you'll be wasting your time. '' Transunion has no fear of reprisals from anyone and do as they please. Equifax and Experian immediately removed that debt when I provided a copy of the judge 's order ruling in my favor. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

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 CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: OH

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 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 2025-07-01 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: OH

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XX/XX/year>, I filed a dispute with Experian. the dispute was against a company named aidvantage. on XX/XX/XXXX, my father had given me mail I was unaware I was receiving, noticing the late statement, I called on XX/XX/XXXX. realizing that XXXX  had the incorrect address ( my fathers ) and primary phone number as my mothers. I corrected it and attempted to make my account current. I am able to make the payments and would have the entire time if I had known about these loans. I was not able to make the lump sum payment and they provided me with the option to put my account in deferment and can start fresh. but the blemish is still on my 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent multiple letters to Equifax and Experian credit bureaus disputing an item on my report. I have received no reply, no information about what they have investigated, no updates. This is completely unacceptable and unprofessional.

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 2025-07-01 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: LEXISNEXIS
State: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-07-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Golden Entropy Marketing Inc
State: CA

Complaint narrative:
Visited Fast Loan Advance yesterday XX/XX/year> after clicking on a XXXX XXXX from a search for " personal loans '' ; upon clicking and entering all my personal information, I was quoted a 400 % rate from some sort of tribal lending entity. Directly after getting " approved '' by this tribal lender, I started receiving dozens of calls, texts and emails ; pretty much immediately and they have been non stop for hours. This site claims to be a personal loan site and shows many rates on their site but what I was actually quoted was no where near this and I have been completely harassed every minute since.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PR

Complaint narrative:
Hello, I'm filing a complaint about an old account from XXXX XXXX ( account ending in XXXX ). I voluntarily surrendered the vehicle, and the account was charged off and closed back in 2019. Even though it's closed, they keep updating it every single month with a balance, making it look like there's new activity. This is seriously hurting my credit score and feels like a way to unfairly keep the account looking active. 
Under the FCRA, this kind of reporting is misleading and shouldn't be allowed. I'm asking that this account be removed completely from my credit report because it's inaccurate and harmful. 
Please help fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I recently discovered a collection account on my credit report that is completely unfamiliar to me. I have never received any notification, bill, or validation concerning this debt, and it does not match any of my financial activity. This entry appears to be in error or a case of mistaken identity.

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 2025-07-01 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 2025-07-01 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , 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 CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1700.00}

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 non-monetary relief
Consumer complaint received 2025-07-02 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:
Name : XXXX XXXX Social Security : XXXX Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card with XXXX XXXX XXXX XXXX XXXX  in the amount of {$600.00} opened XXXX XXXX with account number XXXX, a car loan with XXXX in the amount of {$21000.00} opened XXXX XXXX with account number XXXX, a car loan with XXXXXXXX XXXX and XXXX XXXX XXXX XXXX in the amount of {$7700.00} opened XXXX XXXX with account number XXXX, and a personal loan with XXXX XXXX XXXX in the amount of {$120.00} opened XX/XX/year> with account number XXXX. I do not recognize these accounts, collections or hard inquiries. They are a result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that the mentioned credit accounts are a result for 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 non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individuals accounts didnt quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back from some time now. My life has been affected a lot from this false information, Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-07-01 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'm writing to formally demand the removal of an account from my credit report that is currently involved in pending litigation. This account is not only disputedits part of an active legal matter, and reporting it at this stage is both misleading and harmful. 

Until the legal process is resolved, this account can not and should not be considered valid or accurately reportable. Including it in my credit file while it's under litigation directly conflicts with the principles of fairness and accuracy laid out in the Fair Credit Reporting Act ( FCRA ). Reporting information thats actively being challenged in court is premature, irresponsible, and creates unjustified damage to my creditworthiness.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On around XX/XX/XXXX I noticed a deliquent mark on my credit report. I was surprised because my bills are on autopay. I checked my student loan account and realized they had been drafting my account twice a month and marking it as " deliquent " in order to continue the practice of charging me twice. This was reported to the credit bureau as a 90 day delinquency despite my payment history actually reflecting an overpayment. The company corrected the overpayment draft but refuses to fix my credit report. This has caused a significant drop in my score ( over XXXX points ) and impacts me significantly. When i tried to contact the company on multiple occasions ( the XXXX, the XXXX, the XXXX, XXXX of XXXX and XXXX XXXX ) i was incorrectly told by the customer service representative that this can not be corrected and no supervisor or manager could be reached. When I told them ( the last 3 times ) that this was against the law and highly illegal and fraud they hung up on me immediately.

Company response to consumer: Closed with explanation