vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2025-08-28 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
In XX/XX/year>2025, I reviewed my credit reports from Experian, Equifax, and TransUnion and discovered several closed charge-off accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that are being reported inaccurately. These accounts are listed as past due even though they are already charged off and closed. 

On or around XX/XX/scrub>, 2025, I disputed these accounts directly with the credit bureaus and requested verification under the Fair Credit Reporting Act ( FCRA 611 ). I specifically asked that they either ( 1 ) provide documentation from the original creditors validating the balances and status, or ( 2 ) update the reports to reflect XXXX past due balances and accurate notations. 

Despite my disputes, the accounts continue to be reported inaccurately as delinquent/past due, which is misleading and negatively impacts my creditworthiness. The companies involved have not provided sufficient documentation to verify the debts or correct the reporting. 

I am requesting that the CFPB investigate these matters and require the companies to correct or delete the inaccurate information as required under the 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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Missed 30-Day FCRA Deadline Request Immediate Deletion My name is XXXX XXXX XXXX This complaint concerns inaccurate items on my credit file. I submitted a direct dispute to the credit bureau and provided identity/address verification and supporting documents. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( FCRA 611 ), the bureau was required to complete its reinvestigation within 30 days ( or 45 days only if I provided additional information during the investigation ). 

Today is XX/XX/XXXX, XXXX 30 days ( 42 days ) since my dispute ( filed XX/XX/year> ). I have not received compliant reinvestigation results. Because the bureau failed to verify the disputed information within the FCRA timelines, any information that can not be verified must be deleted under 611 ( a ) ( 5 ). I am requesting that the CFPB require the bureau to : Delete all disputed items that were not verified within the required timeframe ; Provide the written results of the reinvestigation and a free updated credit report as required by 611 ( a ) ( 6 ) ; and Provide the method of verification for any item the bureau claims remains verified ( 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 7 ) ). 

CFPB Complaint # : 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 2025-08-28 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: FL

Complaint narrative:
Missed 30-Day FCRA Deadline Request Immediate Deletion My name is XXXX XXXX XXXX This complaint concerns inaccurate items on my credit file. I submitted a direct dispute to the credit bureau and provided identity/address verification and supporting documents. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( FCRA 611 ), the bureau was required to complete its reinvestigation within 30 days ( or 45 days only if I provided additional information during the investigation ). 

Today is XX/XX/XXXX, XXXX 30 days ( 42 days ) since my dispute ( filed XX/XX/year> ). I have not received compliant reinvestigation results. Because the bureau failed to verify the disputed information within the FCRA timelines, any information that can not be verified must be deleted under 611 ( a ) ( 5 ). I am requesting that the CFPB require the bureau to : Delete all disputed items that were not verified within the required timeframe ; Provide the written results of the reinvestigation and a free updated credit report as required by 611 ( a ) ( 6 ) ; and Provide the method of verification for any item the bureau claims remains verified ( 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 7 ) ). 

CFPB Complaint # : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account is not XXXX compliant, doesnt have a ( DOFD ) date of first delinquency. Under the Fair Credit Reporting Act ( FCRA 605 ( a ) ), negative accounts can only stay on your credit report for 7 years from the DOFD.

Without a DOFD, theres no way to calculate when it should fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized information appearing on my credit report. Specifically, the account XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * is being reported as Late/Closed with a balance of {$0.00}, and there is an unauthorized inquiry from XXXX dated XX/XX/year>. I did not open this account or authorize this inquiry. These items are the result of identity theft.The inquiry violates FCRA XXXX ( a ) ( 15 U.S.C. XXXX ( a ) ), which requires permissible purpose before a consumer report can be accessed. No such purpose existed. 
It further implicates FCRA XXXX ( 15 U.S.C. XXXX ), which prohibits obtaining a consumer report under false pretenses. 
The account reporting violates FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ), which requires that credit reporting agencies maintain maximum possible accuracy. Reporting a closed account with {$0.00} balance that I never authorized is inaccurate and misleading. 
Under FCRA XXXX ( a ) ( 15 U.S.C. XXXX ( a ) ), I have a right to dispute inaccurate information and request a reinvestigation.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, a fraudulent XXXX transaction was made from my bank account ending in XXXX for {$450.00} and {$200.00}. The payments were sent to XXXX XXXX enrolled as XXXX. I was misled into sending money under false pretenses. This was fraud. 

What I did : I immediately contacted my bank USAA on XX/XX/year> to dispute the charge and filed a Regulation E claim. I also followed up in writing. Despite this, the bank has denied my claim. 

Why I am filing this complaint : Under the Electronic Fund Transfer Act and Regulation E, the bank is required to investigate unauthorized electronic fund transfers and, when applicable, issue provisional credit. I believe the bank has failed to meet these obligations.

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 2025-08-28 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-28 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-29 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
* XXXX XXXX XXXX {$130.00} Original : Not Available Opened : Reported : Act. # : Condition : XXXX N/A XXXX Creditor Contact : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX  {$2700.00} Original : Not Available Opened : Reported : Act. # : Condition : XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  {$3200.00} Closed Individual Account Account # : Opened : Date Reported : Condition : Credit Limit : Balance : Payment : Account Type : Closed XXXX XXXX XXXX Closed {$3000.00} {$3200.00} Revolving

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 2025-08-28 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-08-28 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-08-28 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: CA

Complaint narrative:
SYSTEMATIC WILLFUL FCRA VIOLATIONS- CREDIT BUREAUS IGNORED JUDICIAL DISMISSAL EVIDENCE BACKGROUND : On XX/XX/XXXX, XXXX XXXX XXXX dismissed XXXXXXXX XXXX XXXX lawsuit ( Case XXXX XXXX ) against me after the court scheduled a sanctions hearing for XXXXXXXX XXXX  failure to prosecute their case. This judicial dismissal proves the debt is legally unsubstantiated and can not be accurately reported on credit reports. 

FCRA DISPUTE WITH JUDICIAL EVIDENCE : On XX/XX/XXXX, I sent comprehensive FCRA disputes to both Equifax and TransUnion with complete court dismissal documentation. I provided : - Court dismissal order proving debt legally unsubstantiated - Case timeline showing XXXXXXXX XXXX failure to substantiate debt in legal proceedings - Clear demand for complete account deletion based on judicial findings - Explanation that continued negative reporting violates FCRA accuracy requirements WILLFUL FCRA VIOLATIONS BY CREDIT BUREAUS : EQUIFAX RESPONSE ( XX/XX/XXXX ) : Despite receiving indisputable judicial evidence, Equifax responded : " Current status is being reported correctly. '' This violates FCRA 1681i ( a ) ( 1 ) investigation requirements and 1681e ( b ) accuracy standards. 

TRANSUNION RESPONSE ( XX/XX/XXXX ) : TransUnion received identical judicial dismissal evidence yet responded : " Information was verified accurate. '' This demonstrates systematic willful disregard for judicial findings. 

WILLFUL MISCONDUCT ANALYSIS : Court dismissals represent the highest level of legal evidence available. No reasonable investigation can verify dismissed debt as " accurate. '' Both bureaus received identical indisputable proof yet claimed " verified accurate, '' demonstrating willful contempt for the judicial system. 

SYSTEMATIC PATTERN : Both credit bureaus ignored identical judicial evidence and provided identical willful violation responses, indicating industry-wide misconduct in handling court dismissal evidence. 

CONSUMER HARM : Continued negative credit reporting of judicially dismissed debt damages credit scores, lending opportunities, and violates fundamental accuracy requirements. The willful nature of these violations demonstrates corporate contempt for consumer protection laws and judicial authority. 

REGULATORY COORDINATION : This complaint coordinates with existing CFPB complaints against XXXX XXXX  and active XXXX  Attorney General XXXX, demonstrating systematic violations across multiple federal consumer protection statutes requiring comprehensive enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing a fraudulent account that has been reported on my credit profile. I did not authorize, open, or use this account, and its inclusion is entirely inaccurate. Its presence is damaging my creditworthiness and misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief