vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which establishes the procedure for disputing the accuracy of information in consumer credit reports and requires a reasonable reinvestigation within 30 days, I am submitting this formal dispute regarding inaccurate reporting associated with the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I discovered that this account is being inaccurately reported with XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. I categorically dispute these notations as inaccurate, as both payments were made on time. 

Under FCRA 607 ( b ), consumer reporting agencies must ensure that all information reported is complete, accurate, and verifiablethe standard of maximum possible accuracy. I have included documentary evidence, such as payment confirmations and account statements, substantiating that no late payment occurred for the months in question. 

I have also attached a copy of my current credit report with the disputed entries highlighted for easy identification. 

Therefore, under FCRA 611 ( a ) ( 1 ) ( A ), I formally request that you : Conduct a reinvestigation of this account within the statutory XXXX period. 

Contact the furnisher XXXX XXXX XXXX XXXX  ) to verify the payment history for XX/XX/XXXX and XX/XX/XXXX. 

Correct the payment history to XXXX on XXXX for those months. 

If verification can not be substantiated with original, objective records from the furnisher, delete the inaccurate entries in their entirety from my file under XXXX ( a ) ( XXXX ) ( B ).

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Brandywine Professional Services
State: GA

Complaint narrative:
On XX/XX/year> I was denied for a home I applied for with BrandyWine on XX/XX/year>. I meet all their qualifications to rent home. I was denied because they stated an eviction was on my report. 

Per their qualifications on their website, it states Applicants with outstanding housing-related debt will be denied. However, if the applicant satisfies the debt and provides verifiable evidence of such satisfaction the decision may be reevaluated. 

Applicants may not have any evictions filed within the past XXXX years. ( Explanation Letters from former Landlords and/or Attorneys as well as Court Documents will be reviewed upon request if provided in a timely manner. 

I satisfied my debt, I have said evidence and I also have court documents ; the Motion to Seal Order that was granted in XXXX XXXX XXXX XXXX. 

Additionally, it is important to note that under XXXX XXXXXXXX, once a XXXX XXXX XXXX XXXX has been granted by the court, the sealed record is no longer considered public information and can not legally be used to make adverse housing decisions. Continuing to deny my housing applications based on a record that has been sealed by court order constitutes a violation of XXXX law and undermines the purpose of the courts ruling.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-09 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CBC Companies, Inc.
State: SC

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To : PORTFOLIO RECOV ASSOC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist & Request for Deletion of Inaccurate Collection Entry Dear PORTFOLIO RECOV ASSOC I am formally notifying you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) that you must cease all communication with me regarding the alleged debt you claim I owe.

Additionally, this letter serves as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the collection account you have reported on my credit file. I dispute the accuracy and validity of this alleged debt. You have failed to provide verifiable proof that I owe this debt, that you have the legal right to collect it, or that it was reported accurately. 

Until and unless you can provide complete validation of the debt, including : A copy of the original signed agreement, Full accounting and payment history from the original creditor, and Legal documentation showing your right to collect this debt, You are required by law to remove this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) and cease any further collection activity. 

Please note that any continued reporting of unverified or inaccurate information constitutes a violation of the FCRA and FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General if the matter is not resolved promptly. 

You have 30 days from receipt of this letter to respond with written confirmation that the collection account has been deleted from all credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must contain only information that is accurate, complete, and capable of being verified. I request that these entries be investigated, and if verification is not possible, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must only include data that is accurate, complete, and verifiable. I am requesting that these entries be investigated, and if verification is not possible, they should be either corrected or deleted.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy required by law. These errors are causing ongoing emotional and financial distress, and I am deeply concerned about their continued presence on my record.

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 2025-10-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, a company called XXXX XXXX placed a hard inquiry on my TransUnion credit report without my permission. I never applied for credit, financing, or any service with this company. This inquiry was completely unauthorized and fraudulent.

This violates FCRA 604 ( a ) ( 2 ), which requires a permissible purpose or written consent before obtaining a consumer credit report. It also violates Metro 2 reporting guidelines, which require furnishers to report only accurate and verifiable data with a legitimate business need. 

I am requesting that this unauthorized inquiry be removed from my credit report immediately and that appropriate action be taken against XXXX XXXX for the unlawful access of my credit information. Ive also already had a fraud alert placed on my transunion report prior to this even happening

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 2025-10-09 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I send money on XX/XX/XXXX, expected date was XX/XX/XXXX, but the receiver don't receive yet. 
amounts : {$5000.00} Action : Talk with Bank of America and International wire transfer, they said money was already transfer. Can't figure out the problem.

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 monetary relief
Consumer complaint received 2025-10-09 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: NH

Complaint narrative:
I discovered fraudulent personal information on my credit file, employers listed as XXXX XXXX XXXX ( Date Updated : XX/XX/XXXX ) and XXXX XXXX ( Date Updated : XX/XX/XXXX ), that I have never used or authorized. I have provided a government ID, FTC Affidavit ( Report # : XXXX ), Proof of Address, and Social Security Card. I request that these items be blocked and permanently removed from my credit file within 4 days of receipt.

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 2025-10-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and unauthorized activities reported on my credit file by various entities. Despite my repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, the problems persist, causing significant harm to my creditworthiness. 

Details of Disputed Items : Incorrect Addresses on File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrectly listed under my credit profile. I have never resided at these locations. 

Incorrect Late Payments : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$44.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$690.00} These accounts have been inaccurately reported as late. I request that these late payment entries be immediately corrected or removed. 

Unauthorized/Inaccurate Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX These inquiries were either unauthorized or inaccurately reported. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and are negatively impacting my credit report and financial opportunities. I request that CFPB intervene and ensure the following actions are taken : Immediate investigation of the disputed items. 

Correction or deletion of all inaccurate late payments, addresses, and inquiries. 

Written confirmation of the corrective actions taken.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially unlawful activities on my credit report. The following accounts and inquiries are either inaccurately reported or reflect actions that I did not authorize, causing significant harm to my credit profile and financial well-being : Accounts with Incorrect Reporting or Issues : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$700.00} Incorrectly reported as late payment. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, XXXX : {$670.00} Incorrectly reported as late payment. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, XXXX : {$140.00} Incorrectly reported as late payment. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, XXXX : {$930.00} Incorrectly reported as late payment. 

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, XXXX : {$970.00} Incorrectly reported as late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1900.00} Reported as collection in error. 

Unauthorized Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not authorized some of these inquiries and the late payment/collection statuses are inaccurate and damaging. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all credit reporting agencies maintain accurate and complete information. 
I am requesting the following actions : Immediate investigation of all the accounts listed above.

Correction or removal of all inaccurate late payment and collection entries.

Removal of all unauthorized inquiries from my credit report.

Written confirmation once these corrections have been made.

Please consider this a formal request for corrective action. I am prepared to escalate this matter if necessary, including legal remedies, to ensure that my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief