vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
Account opened with XXXX XXXX in XXXX Account opened with XXXX XXXX Bank in XXXX Hard Inquiry inquired with XXXX XXXX in XX/XX/XXXX Hard inquiry inquired with XXXX  XXXX bank in 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 2025-07-22 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:
Account opened with XXXX XXXX in XXXX Account opened with XXXX XXXX Bank in XXXX Hard Inquiry inquired with XXXX XXXX in XX/XX/XXXX Hard inquiry inquired with XXXX  XXXX bank in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Complainant : XXXX XXXX Subject : Third Attempt Failure to Reinvestigate and Correct Inaccurate Late Payment Reporting I am filing this complaint against Experian, Equifax, and TransUnion due to their ongoing failure to properly reinvestigate and correct inaccurate late payment information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

This marks my third formal attempt to resolve this issue. My original dispute was submitted over 35 days ago, with a second follow-up sent shortly thereafter. Despite these efforts, I have not received any valid documentation verifying the legitimacy of the reported late payments.

I am submitting this complaint on my own behalf, not through a third party. I continue to assert my rights under : 15 U.S. Code 1666 ( b ) of the FCBA, which addresses billing errors, including : Failure to properly credit timely payments Computation or posting errors Failure to provide billing statements at least 21 days before due date making late reporting invalid 15 U.S. Code 1681i of the FCRA, which requires a reasonable reinvestigation of disputed information 15 U.S. Code 1681e ( b ), which mandates maximum possible accuracy in consumer reporting Disputed Account : Creditor : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment inaccurately reported and unsupported by documentation To date, I have not received : Any documentation substantiating the reported late payment The method of verification used by the credit bureaus or the furnisher The name and contact details of the party who allegedly verified the disputed item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice regarding multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion. 

I submitted a dispute via certified mail, which their office confirmed receiving on XX/XX/year>. As of today, no action has been taken to investigate or respond within the XXXX timeframe as required under 15 U.S. Code 1681i. 

On XX/XX/year>, I contacted TransUnion customer service department and spoke with a representative named XXXX, who stated that my dispute and subsequent follow-ups were ignored because, according to him, TransUnion does not accept disputes submitted by mail. This is a clear misrepresentation and in direct violation of federal law. The FCRA explicitly allows consumers to dispute inaccurate information in their credit file via mail, and your failure to acknowledge or act on my submission constitutes noncompliance. 

Further, I have been improperly denied access to my credit report, despite multiple attempts to request it. This is an additional violation of 15 U.S. Code 1681g, which guarantees consumers access to their full credit file upon request. I have never been sent correspondence from TransUnion either by mail or email. I have no access to my credit report or dispute status online and TransUnion has not made my report available at the annual credit report website. 

As a result of your negligence and willful disregard for my rights, I am preparing to file suit for the following : Failure to conduct a timely investigation of my mailed dispute ( FCRA 1681i ), Denial of access to my credit report ( FCRA 1681g ), Misrepresentation of dispute handling procedures, Additional violations of state consumer protection laws, as applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, accompanied by all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request in accordance with FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these legal requirements, the bureau failed to block the disputed information within the XXXX-business-day period mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Dear Caine & Weiner, This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and 1692c ( c ).

I am formally disputing the validity of the above-referenced debt. Accordingly, I request that you provide complete validation of the debt, including but not limited to : 1. A copy of the original contract or agreement bearing my signature ; 2. A full itemized breakdown of the amount you claim I owe ; 3. The name and address of the original creditor ; 4. Proof that your agency is legally authorized to collect this debt in my state ; 5. The full chain of assignment or ownership of this debt, including dates of transfer and amounts paid. 

Until such documentation is provided, I request that all collection activity stop immediately, including phone calls, emails, or further reporting to any consumer reporting agency. 

Additionally, under 15 U.S. Code 1692c ( c ), I hereby demand that you cease and desist from all communication with me regarding this matter except to provide the documentation requested or to notify me that no further collection efforts will be made. 

Any failure to comply with this request may constitute a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

Please note this is not an admission of liability or acknowledgment of any debt. I am simply exercising my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 2025-07-22 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-07-22 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: NV

Complaint narrative:
I have requested the removal of these late payments according to 15 U.S.C 1681i from XXXX XXXX thats reporting on my credit reports from XXXX that shows XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX and XXXX is showing late payments from XXXX XXXX XX/XX/XXXX, and XXXX XXXX. And Transunion is reporting that the late payments from XXXX XXXX is showing XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Which is not reporting the same on all 3 bureaus, as Im requesting removal of these late payments. 
Also I requested that XXXX removes the hard inquiry from XXXX XXXX XXXX XXXX and I requested that Transunion remove the hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dates I submitted disputes to XXXX in regards to the late payments XX/XX/XXXX, XXXX, along with other disputes from XX/XX/XXXX to present. Ive submitted disputes to Transunion in regards to removal of late payments XX/XX/XXXX, XXXX, also others dispute to this present day. Ive submitted disputes to XXXX  in regards to the late payments XX/XX/XXXX, XX/XX/XXXX, along with other disputes to this present day.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have requested the removal of these late payments according to 15 U.S.C 1681i from XXXX XXXX thats reporting on my credit reports from Experian that shows XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX and Equifax is showing late payments from XXXX XXXX XX/XX/XXXX, and XXXX XXXX. And Transunion is reporting that the late payments from XXXX XXXX is showing XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Which is not reporting the same on all XXXX bureaus, as Im requesting removal of these late payments. 
Also I requested that Equifax removes the hard inquiry from XXXX XXXX XXXX XXXX and I requested that Transunion remove the hard inquiries from Summit XXXX XXXX and XXXX XXXX XXXX. Dates I submitted disputes to Experian in regards to the late payments XX/XX/XXXX, XXXX, along with other disputes from XX/XX/XXXX to present. Ive submitted disputes to Transunion in regards to removal of late payments XX/XX/XXXX, XXXX, also others dispute to this present day. Ive submitted disputes to Equifax in regards to the late payments XX/XX/XXXX, XX/XX/XXXX, along with other disputes to this present day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX TO : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute and Demand for Investigation Unverified & Improperly Reported Accounts To Whom It May Concern, I am formally disputing several accounts currently being reported on my Equifax credit file. These accounts are showing as charge-offs and repossessions, despite being either : Sold or transferred to third-party debt buyers Reported without proper legal validation Missing required documents under federal law This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. 

Accounts I Am Disputing : XXXX Account # : XXXX Charge-Off {$1400.00} XXXX Account # : XXXX Charge-Off {$160.00} XXXX XXXX Account # : XXXX Repossession {$6200.00} XXXX Account # : XXXX Repossession {$0.00} Why These Accounts Are Invalid : These accounts are being reported without : A valid chain of title or ownership Legal repossession documentation, including : Notice of Default Notice of Right to Cure Notice of Sale Post-sale Deficiency Letter A valid 1099-C form, if the debt was charged off Full validation or verification documentation If a creditor no longer owns the debt, they can not legally report a balance or charge-off under their name. This is furnishing inaccurate, outdated, and misleading information. 

" Verified '' Is Not Good Enough A letter stating " this account is verified '' is not valid under the FCRA. 
I am requesting all supporting documentation used to verify the accounts. 
I am also instructing Equifax to not use the e-OSCAR system for this dispute, as it does not meet the requirement for a reasonable and thorough investigation under FCRA 1681i ( a ). 

My Demands : Reinvestigate each disputed account manually Contact the furnishers and request all documentation Delete any account that can not be fully validated Provide a written response within 30 days per FCRA guidelines Legal Authority : FCRA 1681i Right to reinvestigation FCRA 623 Accuracy of data from furnishers FDCPA 809 Right to validation UCC 9-611 to 9-616 Repossession procedure IRS Code 6050P Reporting requirements for canceled debt If you fail to meet these requirements, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and Illinois Attorney General. Legal action may follow if necessary. 

This is not a refusal to pay, but a lawful demand that my credit profile only reflect verified, accurate, and legally reportable information. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
This filing a complaint is a formal request for the removal of one or more unauthorized inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ), a credit reporting agency may only furnish a consumer report to a party that has a permissible purpose as defined by the FCRA. I did not authorize or initiate a credit transaction with the companies listed below, nor did I provide written or verbal consent for these inquiries. 
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 XXXXXX/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 2025-07-22 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered multiple inaccurate and outdated personal details listed on my credit report, including several incorrect names, addresses, and employers. These entries do not match my current identity or verified documentation. 

I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ), requesting the removal of : Incorrect name variations that do not reflect my legal name Multiple outdated addresses where I have never lived or no longer reside Employers that I have never worked for or that are not verifiable I provided supporting documentation including government-issued ID, proof of address, and identity verification to validate my current and correct information. I respectfully requested these records be deleted or corrected. 

I am awaiting confirmation that the inaccurate information has been removed and my credit file has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I discovered multiple inaccurate and outdated personal details listed on my credit report, including several incorrect names, addresses, and employers. These entries do not match my current identity or verified documentation. 

I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ), requesting the removal of : Incorrect name variations that do not reflect my legal name Multiple outdated addresses where I have never lived or no longer reside Employers that I have never worked for or that are not verifiable I provided supporting documentation including government-issued ID, proof of address, and identity verification to validate my current and correct information. I respectfully requested these records be deleted or corrected. 

I am awaiting confirmation that the inaccurate information has been removed and my credit file has been updated.

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