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

Complaint narrative:
RE : Dispute of Inaccurate Comment XXXX XXXX XXXX ( Acct # : XXXX ) Dear Equifax Dispute Department, I am writing to formally dispute an inaccurate and misleading comment on my Equifax credit report regarding the account listed under XXXX XXXX XXXX, account number XXXX. 

Although this account is correctly reported as Pays as agreed and has a {$0.00} balance with no delinquency, it is incorrectly showing the comment Redeemed or reinstated repossession. This statement is factually inaccurate and highly misleading. 

I have never experienced a repossession on this account. All payments were made on time, and the account was closed in good standing. There were no defaults or recovery actions, and the account should not reflect any indication that a repossession ever occurred redeemed or otherwise. 

This false comment is not only damaging to my credit profile but may also mislead lenders into believing I had a severe derogatory event, which is simply not the case. 

I respectfully request the following : That Equifax remove or correct the Redeemed or reinstated repossession comment from this account and update the tradeline to reflect the accurate status : Closed Paid as Agreed

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

Complaint narrative:
XXXX XXXX has acknowledged my concern and conducted an investigation, concluding that the account was fraudulent. They refunded me with a check for {$110.00} and experian deleted the account as I requested. Please see the attached document for more details. 

However, Equifax and TransUnion need to update their records to reflect that the account is currently paid and has never been late or delete it altogether. Additionally, the XXXX account is non-compliant. Please refer to the attachment for clarification.

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 2025-07-07 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 explanation
Consumer complaint received 2025-07-07 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/year> -- {$500.00}

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

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : Experian | P.O. XXXX XXXX, XXXX, TX XXXX Equifax | XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion | XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate and Inconsistent Reporting - XXXX XXXX Accounts Dear Dispute Department , I am formally disputing several inaccuracies and inconsistencies related to XXXXXXXX XXXX  accounts on my credit reports. The information reported by Experian, Equifax, and TransUnion does not match, and in some cases appears duplicative or erroneous. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - Experian shows charge-off with late payments through XXXX and charge-off in XX/XX/XXXX. 
- Equifax shows late payments and charge-offs continuing into XXXX. 
- TransUnion reports no payment history at all, only charge-off as bad debt. 
- All three report different late payment dates and charge-off periods for the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - This account appears under different variations XXXX XXXX XXXX XXXX XXXX ) with inconsistent reporting across bureaus. 
- Equifax reports XXXX XXXX XXXX with charge-offs into XXXX. 
- Experian reports fewer late months and charge-off ending in XXXX. 
- TransUnion reports no detailed payment history, only charge-off. 
Requested Resolution : I request that you : - Conduct a full investigation with XXXXXXXX XXXX to verify the correct account information. 
- Provide documentation supporting the accuracy of the data. 
- Correct or delete any unverifiable or inconsistent data per the FCRA. 
I have enclosed a copy of my driver 's license and utility bill as proof of identity and address. Please confirm receipt and provide results within 30 days. 
Sincerely, XXXX XXXX XXXX Attachment : Driver 's License ( provided separately in dispute packet ) Attachment : Utility Bill ( provided separately in dispute packet ) Attachment : Credit Report Highlights ( provided separately in dispute packet )

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 2025-07-07 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: CA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}

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 2025-07-07 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-07-07 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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

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

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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

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 2025-07-07 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: TX

Complaint narrative:
I am writing to file a dispute concerning a hard inquiry that was placed on my credit file without my permission. I have already attempted to resolve this with no adequate response, and this letter serves as a formal follow-up.

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 2025-07-07 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: MS

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$990.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
All payments were made. XXXX erroneously refunded a payment In XXXX and then reported the account past due. I have requested a copy if my payment history and monthly statements but this company refuses to provide me with my monthly statement. They also do not make monthly statements available to me online.

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 2025-07-07 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:
All payments were made. XXXX erroneously refunded a payment In XXXX and then reported the account past due. I have requested a copy if my payment history and monthly statements but this company refuses to provide me with my monthly statement. They also do not make monthly statements available to me online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
Approximately five months ago, I formally submitted a request to the credit reporting agencies for a thorough investigation into the accounts in question for fraud, error and identity theft. To date, they have failed to conduct a proper and lawful investigation as required under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information they report. The continued presence of inaccurate or unverifiable accounts violates this statutory obligation. Furthermore, under 15 U.S.C. 1681i, consumer reporting agencies are legally mandated to conduct a reasonable reinvestigation upon receiving notice of a dispute. Failure to do so warrants the immediate deletion of the disputed account ( s ) from the consumer 's credit file. 

In addition, I contacted the original creditors or data furnishers associated with these accounts. Each has either denied any record of the accounts or stated that they no longer have access to the associated information. 

Given these facts, I will also be filing a formal complaint with the Internal Revenue Service to report potential fraud and misuse of personally identifiable information, as part of the broader harm resulting from these inaccuracies. 


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

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

Complaint narrative:
Approximately five months ago, I formally submitted a request to the credit reporting agencies for a thorough investigation into the accounts in question for fraud, error and identity theft. To date, they have failed to conduct a proper and lawful investigation as required under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information they report. The continued presence of inaccurate or unverifiable accounts violates this statutory obligation. Furthermore, under 15 U.S.C. 1681i, consumer reporting agencies are legally mandated to conduct a reasonable reinvestigation upon receiving notice of a dispute. Failure to do so warrants the immediate deletion of the disputed account ( s ) from the consumer 's credit file. 

In addition, I contacted the original creditors or data furnishers associated with these accounts. Each has either denied any record of the accounts or stated that they no longer have access to the associated information. 

Given these facts, I will also be filing a formal complaint with the Internal Revenue Service to report potential fraud and misuse of personally identifiable information, as part of the broader harm resulting from these inaccuracies. 


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

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 2025-07-07 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: AR

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 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 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

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 2025-07-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX Subject : Dispute of Repeated Charge-Off Reporting FCRA 1681s-2 ( a ) ( 1 ) ( A ) Violation To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful reporting of several accounts on my credit file. These accounts are being reported as charged off across multiple months, which constitutes repetitive charge-off reporting a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Guidelines. 
Accounts in Violation : XXXX XXXX Account # : XXXX Charged off in XX/XX/XXXX, but CO is being reported every month into XXXX. 

XXXX XXXX Bank ( XXXX XXXX ) Account # : XXXX Charged off in XX/XX/XXXX. Repeated CO marks are shown monthly from XXXX through XXXX, which is inaccurate and harmful XXXX XXXX XXXX XXXX ( XXXX accounts ) Account # : XXXX Charged off in XXXX, but both accounts continue to show monthly CO marks all the way through XX/XX/XXXX. 

Legal Basis for Dispute : Under FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report only accurate and complete information. Reporting a charge-off month after month misleads lenders, exaggerates the accounts negative impact, and falsely implies ongoing delinquent activity.

According to Metro 2 credit reporting standards, a charge-off is a one-time event, not a recurring monthly status.

Request for Immediate Action : I am requesting the following under FCRA 15 usc 1681i : A formal reinvestigation of the above accounts.

Immediate removal or correction of all repeated charge-off entries.

Written confirmation of the outcome within the legally required timeframe.

If these items can not be properly verified and corrected, they must be deleted from my credit report entirely.

Thank you for your attention and compliance. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief