vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-19 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: IN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-19 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: IN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681e ( b ) MUST DELETE THIS ACCOUNT : ( XXXX XXXX ) IS INACCURATE AND INCOMPLETE, THEREFORE THIS ACCOUNTMUST BEDELETEDIMMEDIATELY, SEE ATTACHMENTS AND REVIEW CFPB COMPLAINT ID # XXXX EQUIFAX IS REQUESTING ( 2 ) CLEAR DOCUMENTS AS PROOF OF MY IDENTITY AND CURRENT ADDRESS, THAT WERE ALREADY PREVIOUSLY PROVIDED, TO DELETE AN ACCOUNT FROM MY CREDIT REPORT. 
I AM RE SUBMITTING CLEAR COPIES OF MY AUTO INSURANCE POLICY, ( XXXX ) COPIES OF MY XXXX XXXX XXXX XXXX STATEMENTS, MY VOTER REGISTRATION, AND A CLEAR COPY OF MY TAX FORM WITH MY NAME AND SOCIAL SECURITY NUMBER. 

STOP USING STALL TACTICS AND DELETE THIS PREVIOULSY BLOCKED CHASE ACCOUNT FROM MY EQUIFAX CREDIT REPORT IMMEDIATELY!! 

THIS COMPLAINT WILL ALSO BE FORWARDED TO MY ATTORNEY FOR LEGAL ACTION CONSIDERATION. 

TRANSUNION AND EXPERIAN HAVE ALEADY DELETED THIS ACCOUNT. Equifax can not continue to XXXX inaccurate incomplete information when the other XXXX cra 's have complied with FCRA GUIDLINES FOR DELETION OF THIS ACCOUNT. 

DELETE THIS ACCOUNT IMMEDIATELY!! 

THIS INFORMATION HAS BEEN SENT BY CERTIFIED MAIL ASWELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This letter serves as a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that XXXX XXXX XXXX XXXX XXXX immediately cease and desist all communication with me regarding the above-referenced alleged debt. 

This demand includesbut is not limited tophone calls, voicemails, text messages, letters, emails, or third-party contact. The only communication permitted under law after receipt of this notice is a single letter confirming you will cease collection efforts or informing me of a specific legal remedy being pursued. 

Legal Authority and Supporting Case Law 15 U.S.C. 1692c ( c ) Consumers have the right to demand that debt collectors stop all communication. Once such a request is received, the collector must comply or face legal penalties. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court confirmed that even attorneys collecting debt must comply with the FDCPA. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that debt collectors are strictly liable for FDCPA violations, regardless of whether the violation was intentional. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Defined the least sophisticated consumer standard, reinforcing that misleading or overly aggressive contact is not permitted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX ) Ruled that even voicemails may violate the FDCPA if they pressure or mislead a consumer. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX XXXXXXXX ) Found that failure to honor a cease and desist demand makes a collector liable for statutory damages and injunctive relief. 



Notice of Legal Consequences Should XXXX XXXX XXXX XXXX XXXX continue to contact me in any form after receipt of this letterother than as allowed under 15 U.S.C. 1692c ( c ) you will be in violation of federal law. I reserve the right to take legal action and seek : Statutory damages up to {$1000.00} per violation, Actual damages, and Attorney fees and costs, per 15 U.S.C. 1692k. 



Please confirm in writing within 15 calendar days that all communication has ceased and that you are complying with 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 non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX ks XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX  XXXX  XXXX experian- 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 2025-06-19 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: KS

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX ks XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX via dealer XXXX XXXX  XXXX  XXXX  XXXX experian- XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2025, I mailed two rent checks from two separate bank accounts via a secure XXXX mailbox : XXXX from my U.S. Bank account made payable to XXXX XXXX ( for my bakery rent ), and One from my XXXXXXXX XXXX account ( for my home rent ). 
Both checks were mailed at the same time and from the same location. 


On XX/XX/XXXX, the property manager of the bakery, XXXX XXXX XXXX, called and informed me that he had not received the check for XXXX XXXX. 
Then on XX/XX/XXXX, my residential landlord informed me that they had also not received the check for the home rent. 

XXXX XXXX urged me to send payment via XXXX to his personal account, which I refused. I asked for a proper business account number, but he said they didnt use online banking and insisted I deliver a new check by the end of the business day. I left work early to comply, but when I arrived, the bakery office was locked. XXXX XXXX told me they were at an off-site event and instructed me to drop the replacement check in their locked mailbox, which I did. 

I monitored my U.S. Bank account daily to avoid late fees. On XX/XX/XXXX, the replacement check cleared. But on XX/XX/XXXX, I was shocked to discover that the original check ( payable to XXXX XXXX ) had also been fraudulently cashed. 

I immediately called U.S. Bank to report the fraud. I was told I would receive forms via email, and had to visit a branch. The earliest available appointment was XX/XX/XXXX, and I spent over two hours at the branch completing the paperwork with a banker who could not answer most of my questions. 

Since then, I have called the U.S. Bank Fraud Department multiple times. On XX/XX/XXXX, after over XXXX minutes on hold, I was told that my claim was incomplete with no explanation. When I asked for a supervisor, the call was disconnected. Another long call produced no real progress. 
As of XXXX XXXX XXXX days after my report no refund has been issued, and I have received no formal communication. 

To make matters worse, the original check was payable to a business : XXXX XXXX, but was deposited into a personal account. The endorsement on the back did not match the payee. This should have triggered immediate rejection or investigation by the bank, but U.S. Bank cleared the transaction anyway. 

In contrast, XXXXXXXX XXXX handled the same situation with speed and care. The second check, from my XXXX account, had been fraudulently cashed on XX/XX/XXXX. I reported it on XX/XX/XXXX, and within XXXX hours, XXXX refunded the entire amount without asking me to fill out forms or visit a branch.

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 2025-06-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX  COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-19 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: GA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
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 non-monetary relief
Consumer complaint received 2025-06-19 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 a victim of identity theft, and there are unauthorized accounts and inquiries on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these fraudulent items from my report.

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 2025-06-19 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: AZ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: OH

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized items, which constitutes a violation of FCRA 604 ( a ) as these items was made without my written consent or any permissible purpose ; since I was a victim of identity theft, I request that you immediately delete these items, and that you notify the entity who made it of my dispute and the reason behind it. 

XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$960.00} XXXX XXXXXXXX XXXX BALANCED {$450.00} XXXX XXXXXXXX BALANCED {$150.00} XXXX XXXX BALANCED {$16000.00} XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXXXXXX BALANCED {$310.00} XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX BALANCED {$1200.00} XXXX XXXXXXXX BALANCED {$1200.00} XXXX XXXX XXXXXXXX BALANCED {$620.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: OH

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized items, which constitutes a violation of FCRA 604 ( a ) as these items was made without my written consent or any permissible purpose ; since I was a victim of identity theft, I request that you immediately delete these items, and that you notify the entity who made it of my dispute and the reason behind it. 

XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$960.00} XXXX XXXXXXXX XXXX BALANCED {$450.00} XXXX XXXXXXXX BALANCED {$150.00} XXXX XXXX BALANCED {$16000.00} XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXXXXXX BALANCED {$310.00} XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX BALANCED {$1200.00} XXXX XXXXXXXX BALANCED {$1200.00} XXXX XXXX XXXXXXXX BALANCED {$620.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

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

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date Opened : XX/XX/scrub>/2020.

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