vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
15 U.S.C. 1681a ( 4 ) pertains to the XXXX findings within the Fair Credit Reporting Act ( FCRA ). Specifically, it highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy, according to the statute. As if XX/XX/year>, Transunion is currently reporting a Bankruptcy XXXX XXXX which is a public record and by law should not be reporting to my credit. As a consumer I have a right to privacy which is being violated by this bankruptcy being reported.

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 2025-07-23 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-23 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) regarding two rental-related collection accounts now appearing on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6800.00} XXXX XXXX XXXX XXXX {$2000.00} These accounts were allegedly transferred or sold to XXXX XXXX XXXXXXXX, but no documentation has ever been provided to support their validity. I have never received : A fully executed lease agreement bearing my signature An itemized breakdown of charges or damages Move-out inspection reports or signed condition statements Proof of my default or early termination Pre-placement invoices or final account statements Proper notice of debt as required under FDCPA 809 ( a ) After disputing the accounts with XXXX, XXXXhey failed to validate either debt and instead responded with vague language and irrelevant documentation requests. This violates FDCPA 809 ( b ), which requires them to cease collection and furnishing until full validation is provided, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or incomplete data to credit bureaus. 

Further, these accounts appear to violate Metro 2 data furnishing guidelines. The tradelines lack : Proper Date of First Delinquency ( DOFD ) Clear account opening and closing dates Correct reporting of balance and account status Any notation that these accounts are in dispute, which is required under FCRA 623 ( a ) ( 3 ) Moreover, IRS Form 1099-C was not issued for these discharged amounts yet the debt is being reported as collectible and unpaid, which creates a materially misleading entry on my credit profile and violates 15 U.S.C. 1692e ( 2 ) ( A ). 

These actions mirror deceptive practices identified in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where courts held that collectors must have complete documentation before reporting or pursuing debts. XXXX  continued reporting of these unverifiable accounts constitutes willful noncompliance with both the FDCPA and 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I appreciate the response from XXXX XXXX, but I strongly dispute the accuracy and fairness of their reporting. The following concerns remain unresolved : XXXX. Inaccurate Reporting Timeline : The company states I was XXXX days late by XX/XX/year>, yet only XXXX months of missed payments ( XXXX and XXXX ) are cited. This discrepancy suggests a potential error in how delinquency was calculated and reported to credit bureaus. 
XXXX. Failure to Properly Notify : While XXXX XXXX claims they sent emails and statements, no evidence has been provided to confirm that I actually received these notices or was aware of the pending delinquency status. Without proof of delivery, the account should not have been reported as delinquent under the FCRA. 
XXXX. Disproportionate Harm : The credit builder account was designed to help me establish credit, and I made paymentsincluding XXXX in XX/XX/year>. The fact that the account was paid off using the security deposit should reflect that there was no financial loss to the company. Punishing consumers by reporting XXXX isolated late payments on a small-dollar loan, despite payoff, causes more harm than the account was intended to help. 
XXXX. Request for Deletion or Suppression : I am requesting the removal or suppression of the late payment marks on this account. Given the inconsistencies and the disproportionate impact on my credit profile, I believe this request is both fair and justified. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I appreciate the response from XXXX XXXX, but I strongly dispute the accuracy and fairness of their reporting. The following concerns remain unresolved : XXXX. Inaccurate Reporting Timeline : The company states I was 80 days late by XX/XX/year>, yet only XXXX months of missed payments ( XXXX and XXXX ) are cited. This discrepancy suggests a potential error in how delinquency was calculated and reported to credit bureaus. 
XXXX. Failure to Properly Notify : While XXXX XXXX claims they sent emails and statements, no evidence has been provided to confirm that I actually received these notices or was aware of the pending delinquency status. Without proof of delivery, the account should not have been reported as delinquent under the FCRA. 
XXXX. Disproportionate Harm : The credit builder account was designed to help me establish credit, and I made paymentsincluding XXXX in XX/XX/year>. The fact that the account was paid off using the security deposit should reflect that there was no financial loss to the company. Punishing consumers by reporting XXXX isolated late payments on a small-dollar loan, despite payoff, causes more harm than the account was intended to help. 
XXXX. Request for Deletion or Suppression : I am requesting the removal or suppression of the late payment marks on this account. Given the inconsistencies and the disproportionate impact on my credit profile, I believe this request is both fair and justified. 

Thank you for your assistance in reviewing this 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 2025-07-23 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: IL

Complaint narrative:
Companies are reporting inaccurate information after lawful dispute pointing out the inaccuracies of the furnishers and the credit reporting company.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: GA

Complaint narrative:
Purchased mattress-in-a-box from XXXX XXXX webstore for delivery on XX/XX/25 for XXXX. It did not expand fully and was defective, and I emailed XXXX customer service with pictures and documentation XX/XX/25 but never got any response from XXXX XXXX. I opened a charge back/defective item dispute with my Fidelity Elan credit card in the beginning of XXXX by phone and provided the information for the charge back that the Elan rep requested. About a week later I got a letter that they were unable to assist me with the chargeback according to the information that was supplied. I have since called Elan and reopened the chargeback request two more times, and both times have gotten a letter about a week later that they are unable to assist. The most recent says '' you did not cancel the merchandise prior to the date of the transaction. We are unable to stop a transaction from posting to your account. If you wish to return the merchandise you will need to contact the merchant directly and request a cancellation. '' This makes no sense since Elan is aware that the merchant has ignored my previous contacts. At this point it seems like Elan is trying to make the process as difficult as possible to I give up on the charge back.

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 2025-07-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX/XXXX  - XXXX XXXX/XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX - XXXX CXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXXXX/XX/XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 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: NY

Complaint narrative:
* * CFPB Complaint - Credit Reporting Inaccuracy * * XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX contains multiple FCRA violations across all three credit bureaus requiring immediate removal : XXXX. * * Material Date Discrepancies * * : Account opening dates vary by 24 days ( TransUnion : XX/XX/XXXX vs Experian/Equifax : XX/XX/XXXX ) XXXX. * * Inconsistent Financial Data * * : Monthly payments ( {$33.00} vs {$34.00} ), balances ( {$640.00} vs {$660.00} ), and high credit amounts ( $ XXXX {$670.00} ) differ across bureaus XXXX. * * Payment History Inconsistencies * * : Different payment patterns and reporting months across all three bureaus XXXX. * * Last Payment Date Variances * * : Dates span over 2 months ( XX/XX/XXXX to XX/XX/XXXX ) XXXX. * * Credit Limit Errors * * : Equifax shows {$0.00} credit limit while others show {$600.00} XXXX. * * Systematic Reporting Failures * * : All bureaus show " dispute resolved '' comments, indicating ongoing accuracy problems These material inconsistencies violate FCRA Sections 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), demonstrating XXXX 's systemic failure to maintain accurate records. The furnisher can not provide three different versions of the same account data and claim compliance with federal accuracy standards. 

* * REQUEST * * : Complete tradeline deletion due to furnisher 's proven inability to report accurate information as required by law. Pattern of inconsistencies creates legal presumption of systemic inaccuracy warranting removal, not correction.

Company response to consumer: Closed with non-monetary relief