vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION WITH, NOR RESPONSIBILITY FOR, THESE ACCOUNTS. THESE ENTRIES ARE INACCURATE AND UNVERIFIED.

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 2025-12-29 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:
Equifax has several accounts that are over 7 years old still listed on my credit reports such as XXXXXXXX XXXX XXXX XXXX XXXX, along with medical collections that do not belong to me. I have no agreement with any third party collections agencies and All items that are over seven years old need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Equifax has several accounts that are over 7 years old still listed on my credit reports such as XXXXXXXX XXXX XXXX XXXX XXXX, along with medical collections that do not belong to me. I have no agreement with any third party collections agencies and All items that are over seven years old need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and identified inaccurate personal information being reported, including incorrect names and addresses that do not accurately reflect my identity. 

On XX/XX/year>, I submitted a dispute requesting that this inaccurate information be corrected or removed. As of today, the incorrect information remains on my credit report.

I have taken the steps required to notify the credit reporting agency and requested a review. I am seeking confirmation that the inaccurate or unverifiable information has been removed and that my credit report has been updated in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OK

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 explanation
Consumer complaint received 2025-12-29 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: OK

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 2025-12-29 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: IL

Complaint narrative:
I am writing to dispute the following accounts that appear on my credit report with each of the credit bureaus : Experian ( EX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the details of the accounts in dispute : CHARGED OFF 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 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 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
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: IN

Complaint narrative:
I had this loan in XX/XX/year> with GLB lending services. I got in a wreck and my gap paid in full this loan. It shows as a closed account on my credit but still reporting negative. They are saying I owe {$190.00} still. I called them and asked for a break down of where that is coming from to be mailed to me. I was told they don't mail that out and continued to try to explain the amount over the phone. I advised per law they are required to send me by mail the request or they needed to cease and desist continue collections and calling my phone as this loan was PIF. Its going on 8 years and still can't get them to work with me or remove the false information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-29 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
My property insurance was cancelled in XXXX and I was asked to provide proof of insurance. I did so on XXXX and paid for all coverage from the time of the lapse until getting my own insurance and providing proof. Proof was submitted and accepted on XXXX yet I was still being billed for property insurance via an escrow account. I continued to pay for the escrow account, but they never cancelled it. On XXXX at XXXX I spoke to XXXX XXXX  XXXX who said he will put in the request to have the escrow account removed as he can see the proof of insurance provided on the account. As a result I only paid for my mortgage on the XXXX account and didn't include the escrow payment as watermark had received proof back on XXXX 90 days prior. My statement now shows a late fee of {$80.00} on the account and a credit of {$300.00} in my escrow account. I spoke to XXXX who explained that the fee was a result of my not paying to additional escrow amount. I asked to speak to a Supervisor to find out why I even have an Escrow account and spoke to XXXXXXXX XXXX XXXX. She said that the request to have the escrow account was never filled by XXXX on XXXX as I requested. She said as a result I need to continue to pay the escrow amount until the escrow account is removed and the review will take another 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

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 2025-12-29 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: SC

Complaint narrative:
I submitted a formal dispute to TransUnion via certified mail regarding several accounts that were being reported inaccurately and incompletely. USPS tracking confirms that TransUnion received my dispute package. 

Under the Fair Credit Reporting Act ( FCRA 611 ), TransUnion is required to investigate disputes and provide the results within 30 days. They must either verify the information with the furnisher or delete it if it can not be verified. 

TransUnion did not respond at all within the 30-day period. 
They did not provide verification, did not send an investigation notice, and did not update, correct, or remove the disputed information. Because TransUnion failed to complete the investigation within the required timeframe, the accounts are now legally considered unverified. 

Per FCRA, any account that can not be verified must be deleted. 

I am requesting CFPB assistance to require TransUnion to delete the disputed tradelines immediately due to their failure to respond within the statutory window and failure to verify the accuracy of the information. 

I have documentation showing the date TransUnion received my certified dispute and the fact that no response or investigation results were ever provided.

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 2025-12-29 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: NJ

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts that are inaccurately reported on my credit reports by the following credit bureaus : Experian ( EX ), The accounts listed below are disputed for a number of reasons including incomplete or inaccurate reporting, as well as failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$35.00} XXXX XXXX XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX {$490.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} 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 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 2025-12-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXXXXXX XXXX you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXXXXXX XXXX you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation