vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 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 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 2025-05-17 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-17 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: LA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for reporting inaccurate late payment notations on several accounts within my credit profile. These notations are either : Factually incorrect I was not late on these payments. 

Reported during periods of deferment or forbearance especially applicable to student loan accounts. 

Remain despite successful disputes and no validation by data furnishers. 

Violations of Federal Law : 15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting late payments that never occurred or occurred during a deferment/forbearance period clearly violates this requirement.

15 U.S. Code 1681i ( a ) : After submitting disputes, the bureaus are required to reinvestigate the items in question. The disputed late payments were not adequately investigated, nor removed despite insufficient verification.

15 U.S. Code 1681s-2 ( b ) : Data furnishers must promptly correct and update information that is inaccurate or incomplete. The creditors in question failed to update the inaccurate reporting.

Fair Debt Collection Practices Act ( FDCPA ) : In cases where collection agencies or servicers were involved, the reporting of false derogatory marks without validation also violates 15 U.S. Code 1692e ( false or misleading representations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Im a victim of identity theft. Please remove the unauthorized accounts and inquiries from my credit report under FCRA Section 605B.

Attached are the disputed items and my FTC Identity Theft Report. 

Please confirm once resolved.

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 2025-05-17 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/year> Subject : Update My Personal Information Dear XXXX XXXXr whom it may concern, I have been asking and requesting that I need to update my personal information in your record as it is wrong across the board. I want to ensure my credit report has the correct details and it is 100 % accurate. Here are my personal details. I only have one name and one address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ca XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Current Employment : XXXX XXXX XXXX XXXX. My ONLY name is XXXX XXXX and my ONLY address is XXXX XXXX XXXX XXXX XXXX, Ca XXXX. My ONLY EMPLOYMENT is XXXX XXXX XXXX .Please update this information in your system and make sure it's correct in all future credit reports. It's really important to have accurate personal information for my financial profile. Please process this update as soon as possible and send me written confirmation once it's done. I hope we can resolve this quickly. Thank you, 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 non-monetary relief
Consumer complaint received 2025-05-17 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: DE

Complaint narrative:
I am formally requesting the removal of fraudulent information from your credit report due to identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), you ask the credit bureau to block and delete unauthorized accounts and inquiries. Ive included a list of disputed items and a copy of your FTC Identity Theft Report. I request a prompt investigation and written confirmation once the corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
My information was sold and brought illegally because I was a victim of the Equifax, XXXX XXXX ( ID Theft case # XXXX date : XX/XX/year> ), and XXXX XXXX  data breaches. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax admitted that I was in fact, a victim of this data breach, and Equifax has done nothing. I am also attaching an email from XXXX XXXX  stating that I was also a victim of a data breach, and the case # XXXX is a reference to Identity theft from XXXX XXXX dated XX/XX/year>. Please help me delete these illegal accounts from my credit reports. I also have unauthorized hard inquiries on my credit profile, and I have a letter attached stating that information from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX a student loan account that was paid in full and closed as of XX/XX/2023. Despite the account being fully resolved, the company continues to report negative payment history, including 150 days past due, across all three credit bureaus XXXX XXXX XXXX XXXX. 

This continued negative reporting is unfair, inaccurate, and violates multiple federal consumer protection laws. The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to consumer reporting agencies be accurate and complete under 15 U.S. Code 1681s-2 ( a ). 

Additionally, the account is now showing a {$0.00} balance, confirming the debt has been satisfied. Despite this, the worst delinquency of XXXX  days past due remains on the file, which is misleading and damaging to my creditworthiness. Continued negative reporting after a debt has been paid can constitute furnishing obsolete or misleading data, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 607 ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy FCRA 611 Rights to dispute incomplete or inaccurate information This behavior is willful and reckless. If the derogatory marks are not removed within 15 days, I will retain legal representation and pursue relief for credit defamation, willful noncompliance, and damages under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute several unauthorized credit inquiries that recently appeared on my credit report. I did not apply for credit with the companies listed in these inquiries, nor did I authorize anyone to use my personal information for such purposes. 

These inquiries were made without my knowledge or consent, and I believe my identity has been compromised. I am taking this matter seriously and have begun the necessary steps to protect myself, including filing a police report, placing fraud alerts with the credit bureaus, and reporting the incident to the Federal Trade Commission ( FTC ). 

I respectfully request that all fraudulent inquiries be removed from my credit report and that a thorough investigation be conducted into this matter. I am prepared to provide any additional documentation required to support my claim. 

Thank you for your attention to this urgent 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 2025-05-17 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: SC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX a XXXX XXXX account that was paid in full and closed as of XX/XX/year>. Despite the account being fully resolved, the company continues to report negative payment history, including 150 days past due, across all three credit bureaus Equifax, XXXX XXXX XXXX 

This continued negative reporting is unfair, inaccurate, and violates multiple federal consumer protection laws. The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to consumer reporting agencies be accurate and complete under 15 U.S. Code 1681s-2 ( a ).

Additionally, the account is now showing a {$0.00} balance, confirming the debt has been satisfied. Despite this, the worst delinquency of 120150 days past due remains on the file, which is misleading and damaging to my creditworthiness. Continued negative reporting after a debt has been paid can constitute furnishing obsolete or misleading data, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 607 ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy FCRA 611 Rights to dispute incomplete or inaccurate information This behavior is willful and reckless. If the derogatory marks are not removed within 15 days, I will retain legal representation and pursue relief for credit defamation, willful noncompliance, and damages under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX a XXXX XXXX account that was paid in full and closed as of XX/XX/2023. Despite the account being fully resolved, the company continues to report negative payment history, including 150 days past due, across all three credit bureaus XXXX XXXX, and Experian. 

This continued negative reporting is unfair, inaccurate, and violates multiple federal consumer protection laws. The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to consumer reporting agencies be accurate and complete under 15 U.S. Code 1681s-2 ( a ). 

Additionally, the account is now showing a {$0.00} balance, confirming the debt has been satisfied. Despite this, the worst delinquency of 120150 days past due remains on the file, which is misleading and damaging to my creditworthiness. Continued negative reporting after a debt has been paid can constitute furnishing obsolete or misleading data, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 607 ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy FCRA 611 Rights to dispute incomplete or inaccurate information This behavior is willful and reckless. If the derogatory marks are not removed within 15 days, I will retain legal representation and pursue relief for credit defamation, willful noncompliance, and damages under FCRA 616 and 617.

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 2025-05-17 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: SC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX a XXXX XXXX account that was paid in full and closed as of XX/XX/2023. Despite the account being fully resolved, the company continues to report negative payment history, including 150 days past due, across all three credit bureaus XXXX, TransUnion, and XXXX 

This continued negative reporting is unfair, inaccurate, and violates multiple federal consumer protection laws. The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to consumer reporting agencies be accurate and complete under 15 U.S. Code 1681s-2 ( a ).

Additionally, the account is now showing a {$0.00} balance, confirming the debt has been satisfied. Despite this, the worst delinquency of XXXX days past due remains on the file, which is misleading and damaging to my creditworthiness. Continued negative reporting after a debt has been paid can constitute furnishing obsolete or misleading data, in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 607 ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy FCRA 611 Rights to dispute incomplete or inaccurate information This behavior is willful and reckless. If the derogatory marks are not removed within 15 days, I will retain legal representation and pursue relief for credit defamation, willful noncompliance, and damages under FCRA 616 and 617.

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 2025-05-18 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one payment on an account that was in fact paid on time. The consumer reporting agencies have to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on XX/XX/18. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: MS

Complaint narrative:
Good Morning, I'm reaching out in complete frustration over a collection account on my credit report that has absolutely nothing to do with me. I never opened or authorized this account, yet I'm being harassed through emails, calls, and messages with threats of legal action being taken against me. It's overwhelming, mentally exhausting, and truly disrespectful to my rights as a responsible consumer. As someone who takes their credit seriously, it's shocking and disheartening to be dealing with something I didn't cause. Please look into this and remove it from my report. thanks. The account is named " POSSIBLE Financial INC. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-17 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : 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 non-monetary relief