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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this message finds you well. My name is XXXX, and after ten years of renting, my family is finally ready to purchase a home. However, I have encountered a significant obstacle in the loan application process due to inaccurate credit reporting by Experian. 

XXXX XXXX XXXX XXXX has incorrectly reported a charged-off account on my credit report. Over the past three months, I have been diligently working to rectify this issue with both Experian and XXXX, and I am grateful that XXXX promptly corrected the information. 

I opened an account with XXXXXXXX XXXX  years ago, but I was unable to pay off the full debt, resulting in a charge-off on XX/XX/2018. Despite this, the bank has continued to report the account as closed but current. The account should reflect a charge-off status every month since XX/XX/2018 and should be removed from my report this XXXX. 

I have disputed this matter directly with the credit bureaus multiple times, yet they continue to assert that XXXX has verified the information as accurate. Recently, they altered the account status to reflect a charge-off for last month only, which suggests that this issue is recent and extends the timeframe for potential resolution by another seven years.

Despite sending certified mail containing all relevant documentation, both XXXX  and Experian have responded without making the necessary corrections. I also sent certified mail to XXXX, which they received, but they have not responded or corrected the information. 

I find myself at a loss for what to do next. This situation has severely impacted our ability to buy a home and has negatively affected my XXXX XXXX. It feels unjust that this misinformation continues to be reported without consequence for Experian. I am perplexed as to why they would not send verification documents showing they contacted XXXX. 

I am reaching out to the CFPB in hopes that you can assist me in resolving this issue and help facilitate the removal of this inaccurate information from my credit report. This ongoing situation is causing significant distress for my family and me. 

Thank you for your attention to this matter. I appreciate any assistance you can provide. 

Sincerely, 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this message finds you well. My name is XXXX, and after ten years of renting, my family is finally ready to purchase a home. However, I have encountered a significant obstacle in the loan application process due to inaccurate credit reporting by XXXX 

XXXX XXXX XXXX XXXX has incorrectly reported a charged-off account on my credit report. Over the past three months, I have been diligently working to rectify this issue with both XXXX and Equifax, and I am grateful that XXXX  promptly corrected the information. 

I opened an account with XXXXXXXX XXXX years ago, but I was unable to pay off the full debt, resulting in a charge-off on XX/XX/year>. Despite this, the bank has continued to report the account as closed but current. The account should reflect a charge-off status every month since XX/XX/year> and should be removed from my report this XXXX. 

I have disputed this matter directly with the credit bureaus multiple times, yet they continue to assert that XXXX has verified the information as accurate. Recently, they altered the account status to reflect a charge-off for last month only, which suggests that this issue is recent and extends the timeframe for potential resolution by another seven years. 

Despite sending certified mail containing all relevant documentation, both Equifax and XXXX have responded without making the necessary corrections. I also sent certified mail to XXXX, which they received, but they have not responded or corrected the information. 

I find myself at a loss for what to do next. This situation has severely impacted our ability to buy a home and has negatively affected my credit score. It feels unjust that this misinformation continues to be reported without consequence for XXXX. I am perplexed as to why they would not send verification documents showing they contacted XXXX. 

I am reaching out to the CFPB in hopes that you can assist me in resolving this issue and help facilitate the removal of this inaccurate information from my credit report. This ongoing situation is causing significant distress for my family and me. 

Thank you for your attention to this matter. I appreciate any assistance you can provide. 

Sincerely, 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was affected by Equifax data breach. My information was leaked. I also am a victim of identity theft I have items on my report that does not belong to me. I reached out numerous of times to get these items removed. 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 2025-07-21 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: ND

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a late payment associated with the following account on my Experian credit report : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Current Balance : {$360000.00} This account is inaccurately reflecting a late payment that I believe is either erroneous, unverifiable, or misreported. I have previously disputed this item, yet the issue remains unresolved. 
I am requesting that Experian perform a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ). Please verify the accuracy of the late payment with the furnisher, and if XXXXXXXX XXXX XXXX can not provide full documentation proving the legitimacy and timeliness of this reporting, the derogatory mark should be corrected from my credit file. 
The continued presence of this inaccurate or unverified information is negatively affecting my credit profile and is not in compliance with federal guidelines requiring that all credit report entries be complete, accurate, and verifiable. 
Please provide me with a written response detailing the outcome of your investigation, including the method used and the name and contact information of the party who verified the data. I also request a free updated copy of my credit report following your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Dear TrueAccord, I am writing to formally demand that TrueAccord immediately cease all communication with me regarding any alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute the validity of all debts and have repeatedly been subjected to harassing and unwarranted contact from your agency, causing significant distress. 

I just recieved a letter from an affirm account, and your most recent communication stated that the current creditor pulled the accounts from our system and that TrueAccord is no longer servicing the consumers accounts, directing me to contact an unspecified current creditor. 

This response is inadequate and fails to comply with FDCPA requirements under 15 U.S.C. 1692g, as you have not provided proper debt validation or identified the current creditors name and contact information. Your vague and evasive response hinders my ability to resolve this matter and suggests non-compliance with federal consumer protection laws.

Pursuant to 15 U.S.C. 1692c ( c ), I demand that TrueAccord : 1. Cease all forms of communication with me, including but not limited to phone calls, emails, text messages, and letters, regarding the alleged debt.

2. Provide written confirmation that TrueAccord is no longer servicing this account. 

3. Disclose the identity and contact information of the current creditor you referenced, if applicable, to ensure transparency.

4 ) stop sending me letters without debt verification!!!!!

Failure to comply with this demand may result in further action, including but not limited to filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the FDCPA. I have also filed a complaint with the CFPB to address your practices and ensure compliance with federal law.

Be advised that I am documenting all communications related to this matter. Any further contact from TrueAccord, except to confirm compliance with this letter or to provide the requested creditor information, will be considered harassment under 15 U.S.C. 1692d.

Govern yourselves accordingly. 

Sincerely, 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: EQUIFAX, INC.
State: DC

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 financial 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 c
onvictions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am entitled to have my interest rate reduced because of my active duty service commitment, which started in 1994. According to RS XXXX, which is Louisiana 's state code for the SCRA, I am entitled to 6 % or less. My current address is : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please mail it to this address

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief