vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
In XXXX, I was reviewing my credit report and noticed that there are egregious and harmful inaccuracy still being reported on my credit report despite it being disputed with both the credit bureaus and CFPD. I feel like it personal at this point. 

XXXX accounts are being reported across Experian, TransUnion, and Equifax, but each account is listed under XXXX different account numbers, totaling XXXX tradelines for only XXXX debts. These accounts are marked as verified, yet continue to report with inconsistent, conflicting, and unverifiable information. 

There is reporting conflicting payment histories across duplicate tradelines, violating FCRA 607 ( b ), which requires all reported information to be accurate and consistent. 

Each account number reflects a different version of the debt with varying payment status, balance, and history. This creates a misleading and damaging profile, and constitutes a failure to maintain accurate data as required by law. 

I never received a contract, validation letter, or 1099-C tax form required by federal tax law if these debts were legally charged off. These accounts were disputed in XX/XX/year> and escalated via a CFPB complaint filed on XX/XX/year>, but the bureaus failed to delete them. 

This continued reporting constitutes multiple FCRA violations and inflicts direct harm on my consumer report, creditworthiness, and ability to access financial opportunities. 

Some of the Violations Identified : FCRA 609 ( a ) ( 1 ) : No contract or signed agreement ever provided FCRA 604 ( b ) : No permissible purpose to report this information FCRA 607 ( b ) : Inaccurate, inconsistent, and misleading reporting FCRA 611 ( a ) ( 5 ) : Item was verified but remains inaccurate must be deleted FCRA 623 ( a ) ( 2 ) : Failure to investigate and update previously disputed data FCRA 605 ( a ) : Duplicate tradelines violating reporting standards Supporting Facts : XXXX different NFCU tradelines for only XXXX debts Verified after dispute, but no change to incorrect reporting No 1099-C tax documentation issued No contract or terms of agreement provided Filed a CFPB complaint in XX/XX/year> with no corrective action Attached notarized affidavit and FTC Report Attachments to Include with Complaint : Notarized Affidavit of Truth FTC Report Screenshot evidence showing differing account numbers Previous Credit Bureau dispute reference ( XX/XX/year> ) Previous CFPB complaint reference ( XX/XX/year> ) Previous Certified Mail Receipts

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 2025-05-22 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: NC

Complaint narrative:
In XXXX, I was reviewing my credit report and noticed that there are egregious and harmful inaccuracy still being reported on my credit report despite it being disputed with both the credit bureaus and CFPD. I feel like it personal at this point. 

XXXX accounts are being reported across Experian, TransUnion, and Equifax, but each account is listed under XXXX different account numbers, totaling XXXX tradelines for only XXXX debts. These accounts are marked as verified, yet continue to report with inconsistent, conflicting, and unverifiable information. 

There is reporting conflicting payment histories across duplicate tradelines, violating FCRA 607 ( b ), which requires all reported information to be accurate and consistent. 

Each account number reflects a different version of the debt with varying payment status, balance, and history. This creates a misleading and damaging profile, and constitutes a failure to maintain accurate data as required by law. 

I never received a contract, validation letter, or 1099-C tax form required by federal tax law if these debts were legally charged off. These accounts were disputed in XX/XX/year> and escalated via a CFPB complaint filed on XX/XX/year>, but the bureaus failed to delete them. 

This continued reporting constitutes multiple FCRA violations and inflicts direct harm on my consumer report, creditworthiness, and ability to access financial opportunities. 

Some of the Violations Identified : FCRA 609 ( a ) ( 1 ) : No contract or signed agreement ever provided FCRA 604 ( b ) : No permissible purpose to report this information FCRA 607 ( b ) : Inaccurate, inconsistent, and misleading reporting FCRA 611 ( a ) ( 5 ) : Item was verified but remains inaccurate must be deleted FCRA 623 ( a ) ( 2 ) : Failure to investigate and update previously disputed data FCRA 605 ( a ) : Duplicate tradelines violating reporting standards Supporting Facts : XXXX different NFCU tradelines for only XXXX debts Verified after dispute, but no change to incorrect reporting No 1099-C tax documentation issued No contract or terms of agreement provided Filed a CFPB complaint in XX/XX/year> with no corrective action Attached notarized affidavit and FTC Report Attachments to Include with Complaint : Notarized Affidavit of Truth FTC Report Screenshot evidence showing differing account numbers Previous Credit Bureau dispute reference ( XX/XX/year> ) Previous CFPB complaint reference ( XX/XX/year> ) Previous Certified Mail Receipts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

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 XXXX XXXX XXXX XXXX XXXX Not only do I believe this to be a stall tactic on your part to grant 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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX\nXXXX, Michigan XXXX\nDOB: XXXX  Last 4 of SSN: XXXX\nXXXX\n5XXXX\n\nXXXX XXXXnXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX, CA XXXX\n\nSubject: Request for Debt Validation\n\nDear XXXX XXXX,\n\nI am writing to request validation of the debt. As per the Fair Debt Collection Practices Act, (FDCPA),15 U.S.C 1692G I have the right to request verification of these debts.\n\n\nPlease provide me with the following information:\n\n1. Send me a full detailed list of payment history on this account. The name and address of the original creditor.\n2. The account number that is associated with the debt. And the original signature that I agreed to on this contract for this debt.\n3. The amount of debt, including any interest, fees and any insurance claim found on this debt. \n4. Proof of chain of title and that youve legal authorization to collect this debt.\n5. Any documentation that shows you are authorized to collect these debts in my state.\n\nPlease send this information to my address listed above. Until you provide the requested validation, I request that all collection activities cease and be removed from my credit report marked as disputed, until proper validation is provided.\n If you fail to provide the requested information within 30 days, I will consider this a violation of my rights under the FDCPA, and I may take further legal action, including filing complaints with the Consumer Financial Protection Bureau (CFPB) and my states Attorney General. Please respond to this request in writing to the address listed above.\n\nThank you for your cooperation.\nSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reportsEQUIRED UNDER 1666B

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 2025-05-22 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: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within Four business days, pursuant to section 605C of the Fair Credit Reporting Act. I'm a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Clarity.

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 2025-05-22 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 grant 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 2025-05-22 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 grant 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
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
Subject : Request for Investigation of Account Removal Under FCRA 1970 ( 5th Attempt ) Dear Sir/Madam, I am writing to file a formal complaint regarding the failure of the credit bureaus ( Experian, TransUnion, and Equifax ) to remove a charge-off account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) of 1970. This is my fifth attempt to have the account removed based on the legal reporting period, yet the issue remains unresolved. 

Account Details : Creditor : XXXX XXXX XXXX  XXXX Account Number : XXXX ( Last 4 digits ) Date Opened : XX/XX/XXXX Charge-Off : Yes Account Status : Closed Balance : {$1000.00} Date of First Delinquency : XX/XX/XXXX ( assumed based on account opening ) Last Reported : XX/XX/XXXX Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ), negative information, such as charge-offs and delinquent accounts, may remain on a consumer 's credit report for no longer than 7 years from the date of first delinquency. This law exists to protect consumers from having outdated and unrepresentative information affect their creditworthiness long after the debt has been settled or charged off. 

Given that this account was opened in XX/XX/XXXX, the date of first delinquency ( which I assume was around the same time ), the account should have been removed no later than XX/XX/XXXX. It is now well beyond the 7-year period, and this account should no longer be reported on my credit reports.

My Attempts to Resolve This Matter : To date, I have submitted four disputes to the credit bureaus ( Experian, TransUnion, and Equifax ) requesting the removal of this account based on its age and the FCRAs reporting limits. However, these attempts have been unsuccessful, and the account continues to appear on my credit report, despite the fact that it exceeds the 7-year reporting limit as outlined by 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 2025-05-22 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 HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-05-22 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$4800.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$650.00} Inquiries XXXX XXXX Date : XXXX XXXXXXXX XXXXK Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

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