vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The following items were previously disputed and have already been deleted or corrected by Equifax and Experian. However, TransUnion continues to report them inaccurately, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX / XXXX This account was charged off and disputed due to lack of verification. Equifax and Experian removed it, but TransUnion still lists it as a derogatory charge-off as of XX/XX/XXXX with a balance of {$530.00}. 

XXXX XXXX XXXX This auto loan account was closed and marked current by Equifax and Experian, yet TransUnion continues reporting multiple late payments ( XXXX times XXXX  days late and XXXX times XXXX days late ). The account was closed on XX/XX/XXXX with a {$0.00} balance. 

I have requested TransUnion to update or remove these accounts to match the other bureaus records. Under 15 U.S.C. 1681i, they are required to investigate and correct or delete unverifiable data. If these items are not corrected promptly, I may escalate the issue to legal channels.

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 2025-07-19 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:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-18 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: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-19 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: DC

Complaint narrative:
There is a fraudulent XXXX XXXX XXXXXXXX credit card account on my credit report. This is not my account. I disputed this account with the credit card company. I reported the issue to FTC and filed an Identity Theft Report. I request to delete this account 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 2025-07-19 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: PA

Complaint narrative:
A fair resolution to this issue would be as follows : Permanently delete and block the following fraudulent accounts and inquiries from my credit file as required under the FCRA : XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX  Account Number : 1655 Block all identity theftrelated data under 15 U.S.C. 1681c2 within 4 business days, as required by federal law.

Provide written confirmation that the fraudulent accounts and inquiries have been fully removed and blocked. 

Issue a free updated copy of my corrected credit report reflecting these deletions. 

These entries are a result of identity theft. All supporting documentation has already been provided, including : Government-issued photo ID Social Security card Proof of current address A valid FTC Identity Theft Report This resolution aligns with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws, and I expect full compliance within the legal timeframe.

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 2025-07-18 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:
I am writing to dispute the presence of an unauthorized account that does not belong to me. I have never opened, used, or been associated with this account in any capacity.

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 2025-07-19 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: WA

Complaint narrative:
I am submitting this complaint against Equifax due to the continued reporting of multiple charge-off accounts that are clearly obsolete and in direct violation of federal law, specifically 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ). 

The following accounts remain on my credit report despite being well beyond the seven-year reporting period allowed by law : XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX for {$6000.00}. A XXXX XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX with a current balance of {$0.00}. Another XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX with a balance of {$6500.00}. 

According to 15 U.S.C. 1681c ( a ) ( 4 ), no adverse information including charge-offs may be reported more than seven years from the date of the first delinquency that led to the account being charged off. Based on the dates Equifax has on file, these accounts are between 10 to 13 years old, and therefore should have aged off my report years ago. Their continued presence is not only erroneous, but a blatant noncompliance with federal law. 

This outdated and inaccurate reporting has caused me repeated financial and emotional hardship. Ive been denied financing, faced significantly higher interest rates on loans, and even lost out on a housing opportunity due to Equifaxs failure to maintain accurate and lawful records. The sheer frustration of trying to resolve something that shouldn't be reported in the first place something clearly laid out by law has created undue stress and a sense of helplessness. Ive invested time, energy, and resources into disputing these accounts, only to be met with boilerplate responses that dismiss the clear and overwhelming evidence that these accounts are obsolete. 

This conduct is a violation of Equifaxs obligation under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy, and its duty under 15 U.S.C. 1681i ( a ) to reinvestigate disputes in a fair and timely manner. The fact that these accounts remain after all this time suggests either willful neglect or outright refusal to follow FCRA provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
XXXX XXXX,XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX 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  - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of the following address on my credit report : XXXX XXXX XXXX, XXXX, GA XXXX Although this property is owned by my grandmother, XXXX XXXX, and my father, XXXX XXXX XXXX, currently resides at this location, I do not reside there, nor do I receive mail at that address or use it as my primary residence. Furthermore, I have no financial accounts, obligations, or transactions associated with this address. 

For these reasons, I am requesting that this address be removed from my consumer credit file as it is inaccurately linked to me. 

To assist in your investigation, I have enclosed the following documentation : A copy of my government-issued ID A recent utility bill or lease agreement verifying my current residential address Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit file. I respectfully request that you investigate this matter promptly and correct the record accordingly. 

Please provide written confirmation once the investigation is complete and the address has been removed. I would also appreciate receiving an updated copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX my XXXX XXXX XXXX was transferred from XXXX XXXXXXXX XXXX XXXXXXXX. I had previously made years of consistent payments under XXXX XXXX, but after the transfer, my loan balance was recalculated to over {$52000.00} without any explanation or documentation showing how prior payments were applied. 

I am currently enrolled in the XXXX XXXX, which reflects XXXX XXXX monthly payments and 0 % interest due to my income status. Despite this, XXXX continues to report a high and increasing balance. I requested a full payment history and accounting breakdown, including how they applied my past payments and calculated the current balance, but I have not received a response. 

I submitted a formal dispute to XXXX and to all three credit bureaus ( Experian, XXXX XXXX XXXX ), including documentation such as my XXXXXXXX XXXX enrollment and payment records from XXXX XXXX. However, XXXX has not corrected the inaccurate information or provided verification. 

Their failure to validate the debt and their inaccurate credit reporting are negatively impacting my credit and financial well-being.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX my XXXX XXXX XXXX was transferred from XXXX XXXXXXXX XXXX XXXXXXXX. I had previously made years of consistent payments under XXXX XXXX, but after the transfer, my loan balance was recalculated to over {$52000.00} without any explanation or documentation showing how prior payments were applied. 

I am currently enrolled in the XXXX XXXX, which reflects XXXX XXXX  monthly payments and 0 % interest due to my income status. Despite this, XXXX continues to report a high and increasing balance. I requested a full payment history and accounting breakdown, including how they applied my past payments and calculated the current balance, but I have not received a response. 

I submitted a formal dispute to XXXX and to all three credit bureaus ( XXXX XXXX, and TransUnion ), including documentation such as my XXXXXXXX XXXX enrollment and payment records from XXXX XXXX. However, XXXX has not corrected the inaccurate information or provided verification. 

Their failure to validate the debt and their inaccurate credit reporting are negatively impacting my credit and financial well-being.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX my XXXX XXXX XXXX was transferred from XXXX XXXX to XXXX. I had previously made years of consistent payments under XXXX XXXX, but after the transfer, my loan balance was recalculated to over {$52000.00} without any explanation or documentation showing how prior payments were applied. 

I am currently enrolled in the XXXX XXXX, which reflects XXXX XXXX monthly payments and 0 % interest due to my income status. Despite this, XXXX continues to report a high and increasing balance. I requested a full payment history and accounting breakdown, including how they applied my past payments and calculated the current balance, but I have not received a response. 

I submitted a formal dispute to XXXX and to all three credit bureaus ( XXXX Equifax, and XXXX XXXX, including documentation such as my XXXXXXXX XXXX enrollment and payment records from XXXX XXXX. However, XXXX has not corrected the inaccurate information or provided verification. 

Their failure to validate the debt and their inaccurate credit reporting are negatively impacting my credit and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute an item on my credit report that I believe contains inaccurate information. I request an investigation into the following account : Account Name : portfolio recovery Disputed Amount : {$1100.00} Date of Charge : date keeps changing The reason for my dispute is as follows : The charge is inaccurate. Ive made attempts to speak to the company and they said its nothing that they can do for this situation.

I request that this inaccurate information be investigated and removed from my credit report. Please inform me of the outcome of your investigation, as well as any necessary adjustments made to my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the ongoing dispute with Way2Go over {$2000.00} in unauthorized transactions that occurred as part of a broader identity and debit card theft incident that I have been fighting to resolve for over a year. 

Background : In XXXX over {$17000.00} in fraudulent transactions were processed using my account after my identity and card information were stolen. After a lengthy investigation, the company refunded all but {$2000.00} of the stolen amount. 

The remaining amount was linked to a charge by XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX I have never lived in XXXX and provided substantial evidence proving my location at the time of the transactions : Documentation I Provided to Way2Go : My current lease and utility bills confirming residency in XXXX XXXX XXXX XXXX A police report filed with the XXXX XXXX Police Department regarding the theft An email response from XXXX XXXX, XXXX confirming that they have no record of me or any transaction under my name, and stating they do not know what the charge was for Evidence showing multiple transactions on the same day in different XXXX states, making it physically impossible for me to have made them Additional Actions Taken : I attempted to contact the merchant directly to request more information, but they refused to provide details or confirm the identity of the individual behind the transaction. 
I forwarded the merchants response to Way2Go as further proof of the fraud.

I have made numerous attempts to contact Way2Go via email and phone, all of which have gone unanswered or unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
On XX/XX/XXXX. 2025 XXXX XXXX obtained information from the states website and sent it over to theirs party agencies without my consent and prior knowledge. 15 U.S. code 1681 A-4 explains that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My XXXX XXXX  bankruptcy information was shared on multiple platforms. Causing to mess with my public confidence.

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