vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-21 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: AZ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A fi
nancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-21 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On XX/XX/XXXX, a {$37.00} subscription charge was processed on my Barclays credit card account, which had been locked at the time. I did not expect any further activity on this account due to its locked status. 

Barclays sent me one email stating Youve missed a payment. However, this was buried among over XXXX other emails Ive received from Barclays this year, consisting primarily of routine promotional and account notifications. No other attempts at communication were made. I do not believe Barclays made a reasonable or sufficient effort to alert me to this issue, especially given the potential credit impact. 

I only became aware of the problem in XX/XX/XXXX after noticing a significant drop in my credit score and investigating further. By that time, the account had accumulated fees and was reported as 30 days late, causing my credit score to drop by nearly XXXX points. 

On XX/XX/XXXX, I immediately paid the full balance of {$100.00}, including all late fees, upon discovering the issue. 

I contacted Barclays on XX/XX/XXXX, under XXXX # XXXX, to request a goodwill adjustment to remove the negative reporting. I explained that I was unaware of the charge due to the locked account and the lack of clear, urgent communication. Barclays informed me they do not offer goodwill adjustments, even under these circumstances. 

This account has been open since XXXX with no previous missed payments. I am requesting the CFPBs assistance in asking Barclays to remove the 30-day late payment from my credit report as a one-time courtesy, given my strong payment history, the unusual circumstances of this charge, the insufficient notification efforts, and my immediate payment of the full balance including fees.

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 2025-07-21 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted formal disputes to Equifax regarding multiple accounts that were re-aged and reintroduced under new furnishers after years of inactivity. These accounts originally opened between XXXX and were removed after past disputes or should have expired under FCRA 605 ( a ). Despite this, Equifax allowed them to reappear with updated new open dates, giving the false appearance of recent activity. 

This is a direct violation of : FCRA 605 ( a ) : Obsolete information must not be reported after 7 years.

FCRA 605 ( b ) : Accounts re-aged or re-reported under new furnishers without proper certification is prohibited.

FCRA 605 ( c ) : As a victim of trafficking, I submitted a self-attested statement and supporting documentation requesting that these accounts be blocked and deleted. Under federal law, Equifax was required to act within 4 business days of receiving my request. They failed to comply and continued to update and report these accounts in violation of my protected rights.

In addition, these accounts were updated while a security freeze was active, which violates FCRA 605A and constitutes unauthorized access. I did not authorize any third-party bureaus ( such as XXXX, XXXX, XXXX ) to override that freeze, yet Equifax allowed these furnishers to report during that freeze period.

Further misconduct includes : Failing to honor prior disputes and removing accurate notations.

Changing the name of furnishers to make it appear as if accounts were new.

Failing to correct clear errors within the standard dispute window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting and Improper Re-Insertion To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized information being reported on my credit file. The account listed below does not belong to me, and I am requesting its immediate investigation and removal from my credit report. 

Creditor Name : XXXX XXXX  Status : Charged-off with {$12000.00} balance Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), I am requesting that you provide me with documentation used to verify the reporting of this account, including any application or signature proving I opened this account. As this account does not belong to me, I require proof of ownership and documentation that links this account to my identity. Without such proof, you are legally obligated to remove it from my file. 

Furthermore, this account had previously been removed from my credit report and was later reinserted without the proper notification, which is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). The law clearly states that the credit bureau must notify the consumer within 5 business days of reinsertion of any previously deleted item. I did not receive such notice.

Therefore, I am formally requesting the following : Immediate removal of the XXXX account listed above. 

A copy of the verification used to reinsert this account into my file. 

Written confirmation that this item has been deleted from my report. 


THD/CBNA is not my account I am filing a complaint about an inaccurate late payment being reported on my credit report for my Child Support North Carolina account XXXX Account # XXXX ). The credit report shows a 60-day late payment in XX/XX/XXXX, but there is no 30-day late payment reported before that, which is not possible. 

A 60-day delinquency must be preceded by a 30-day late. This is a clear reporting error and a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and complete. 

I contacted the credit bureau and requested that they remove the inaccurate 60-day late mark, but it is still on my report. I am asking the CFPB to help investigate this matter and ensure it is corrected. 

This incorrect negative mark is hurting my credit score, and it should be removed immediately.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
It has come to my attention that LexisNexis Risk Solutions has reported and verified a bankruptcy public record to XXXX, XXXX, and XXXX, claiming to have received the information directly from the court. However, the U.S. Bankruptcy Court for the XXXX XXXX XXXX Georgia has confirmed that it does not furnish information directly to any consumer reporting agencies ( please see attached letter ). I therefore contest the legitimacy and compliance of this reporting. I've attempted to reach LexisNexis several times via the mailing address they provided and it has been returned. My case number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Re : Request for Reinvestigation and Deletion of Unverifiable Information Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally request that you conduct a reinvestigation of all negative information currently appearing on my consumer credit report. You are reporting inaccurate accounts on my consumer report.

If any information can not be fully verified, I request that it be deleted immediately in accordance with your obligations under the Fair Credit Reporting Act.

Please provide me with written confirmation of the results of your reinvestigation. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Re : Request for Reinvestigation and Deletion of Unverifiable Information Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally request that you conduct a reinvestigation of all negative information currently appearing on my consumer credit report. You are reporting inaccurate accounts on my consumer report.

If any information can not be fully verified, I request that it be deleted immediately in accordance with your obligations under the Fair Credit Reporting Act.

Please provide me with written confirmation of the results of your reinvestigation. 

Thank you for your time and attention. 

Sincerely, 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 2025-07-21 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: TX

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 2025-07-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$440.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$55.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Elite Legal Practice PC
State: TN

Complaint narrative:
The company is Elite Legal Practice. The company is supposed to help you reduce your debt. They told me that they work in the state of Tennessee. I had three creditors sue me for the amounts owed. The lawyers who helped said that I had to pay or I would be subject to garnishment. They only helped with one creditor. And I ended up still paying them by borrowing money from a relative. The practice waits until you are months behind before contacting the creditors. My credit was worse after I entered the program. None of my accounts are better, but worse. I asked if they dealt with creditors and was told yes but I later found out that the creditors don't deal with those companies. I want them to stop telling people that they help in states and they don't. I lost money dealing with them, which I could have used to pay the creditors. Please stop them from doing this to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation