vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting of my credit information. 

Specifically, XXXX XXXX has reported the same account to the credit reporting agencies more than once. This duplicate reporting makes it appear as though I have multiple accounts with the same balance and payment history, which is misleading and harmful to my credit profile. 

This practice violates my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Duplicate reporting of a single account is not accurate.

15 U.S.C. 1681i ( a ) I have the right to dispute inaccurate or incomplete information and request an investigation to correct or remove it.

15 U.S.C. 1681s-2 ( a ) Furnishers of information ( such as XXXX XXXX XXXX have a duty to provide accurate information to the credit reporting agencies. Duplicate entries are not accurate. 

I am requesting that the CFPB investigate this matter to ensure XXXX XXXX corrects the duplicate reporting and that the credit bureaus remove the inaccurate entry immediately. 

This duplicate reporting is negatively impacting my creditworthiness, which may affect my ability to obtain credit, employment opportunities, and fair lending terms. 

I respectfully request that this matter be reviewed and corrected in accordance with my rights under the FCRA. 

PLEASE DELETE/REMOVE THE CLOSED XXXX XXXX ACCOUNT with the {$0.00} balance opened on XX/XX/year>.

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 2025-09-23 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
XXXX and XXXX XXXX person who helped me from XXXX XXXX and XXXX XXXX customer service. And XXXX from XXXX XXXX XXXX  XXXX XXXX at central portfolio collections XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Unlawful Reinsertion of Fraudulent XXXX XXXX Account To Whom It May Concern, I am disputing the unlawful reinsertion of the following fraudulent account onto my Experian credit report : XXXX  XXXX Acct. No. : XXXX Balance : {$2500.00} This account does not belong to me. I have never applied for or authorized this account. My personal information was compromised in the XXXX XXXX XXXX XXXX, the XXXX Data Breach, and most recently, the XXXX  Data Breach, which has resulted in identity theft and fraudulent accounts being created in my name. This account has already been disputed and deleted, yet it has been reinserted without notice, in direct violation of my rights under federal law. Experians actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), including but not limited to : FCRA 1681i ( a ) ( 5 ) ( B ) : Once an account has been deleted, it can not be reinserted unless the furnisher certifies its accuracy and the bureau provides written notice to the consumer within 5 business days. I received no such notice.

FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Repeatedly allowing fraudulent accounts to reappear violates this requirement.

FCRA 1681i ( a ) ( 1 ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed accounts. The reinsertion of an account already proven fraudulent demonstrates a failure to reinvestigate properly.

FACTA 1681c-2 : Identity theft victims have the right to block fraudulent accounts from their credit reports once proper documentation ( FTC affidavit , police report, proof of identity ) is provided. I have submitted such documentation, and Experian has ignored it.

Experians repeated reinsertion of fraudulent accounts demonstrates systemic negligence and willful noncompliance with the protections afforded to me by the U.S. Congress under the FCRA and FACTA.

I am demanding the immediate and permanent deletion of the fraudulent XXXX XXXX account listed above from my Experian credit report. I also demand written confirmation that this account has been blocked under FACTA and will not be reinserted in the future.

If Experian fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General for enforcement action.

Sincerely, 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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 explanation
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 explanation
Consumer complaint received 2025-09-23 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-23 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:
In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX XXXX with the balance of {$0.00} has violated my rights.

You violated the United States Code Law ( TILA 12 U.S. Code 166 ( b ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose. 

The XXXX XXXX XXXX account with the balance of {$0.00} SHOULD NOT BE REPORTING NO LATE PAYMENTS WHAT SO EVER. PLEASE REMOVE/DELETE ALL LATE PAYMENTS.

TRANSUNION IS THE ONLY CREDIT BUREAU REPORTING INACCURATE INFORMATION! PLEASE REMOVE/DELETE ALL LATE PAYMENTS.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute these inquiries, as I have no connection to them or the companies listed. I request they be removed from my credit file.

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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 2025-09-23 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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I disputed accounts being reported by Early Warning Services that are the result of identity theft and are not mine. Despite my repeated disputes and submission of identifying information, Early Warning failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

On XX/XX/XXXX, I received two letters from Early Warning : 1. One letter stated that Early Warning does not have access to account-level documentation and directed me to contact XXXX. This response is inadequate because under the FCRA, Early Warning is required to conduct its own reasonable reinvestigation and provide a meaningful Method of Verification ( MOV ) under 1681i ( a ) ( 7 ). Simply forwarding my dispute to the furnisher and parroting their response does not satisfy the law ( Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ).

2. The second letter improperly labeled my dispute as frivolous, despite my providing sufficient details such as name, address, account information, and a clear statement that the accounts are fraudulent. This violates 1681i ( a ) ( 3 ), which only allows a CRA to dismiss disputes as frivolous when they lack enough information to investigate.

Early Warnings handling of my disputes is noncompliant with the FCRA, FACTA, and XXXX XXXX standards. Their refusal to provide proper verification, access to underlying records, and their misclassification of my dispute as frivolous demonstrate willful and negligent violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Company : TransUnion Issue Type : Problem with a credit reporting companys investigation into an existing problem Complaint Narrative ( box 1 ) : This complaint is directly tied to my pending CFPB complaint against XXXX XXXX XXXX XXXX ( Complaint ID : XXXX. TransUnion is continuing to publish contradictory and misleading reporting on my XXXX XXXX account ending in XXXX. 

Specifically : The account is listed as Charged Off with {$4100.00} written off.

At the same time, TransUnion continues to show the account as {$5100.00} past due as of XX/XX/year>. 
The account also shows Closed by Creditor as of XX/XX/year>. 

Once XXXX XXXX elected to write off {$4100.00}, the debt was extinguished for tax/accounting purposes ( 26 U.S.C. 166, 6050P ; IRS Pub. 4681 ). Continuing to report both a write-off and an accruing past-due balance is inaccurate, unverifiable, and unlawful.

TransUnion is violating : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) duty to reinvestigate disputed information FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information California Civil Code 1785.25 ( a ) prohibition on reporting known inaccuracies I demand immediate deletion without recourse of this tradeline if it can not be substantiated with original, verifiable documentation.

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 2025-09-23 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: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berman & Rabin, P.A.
State: AR

Complaint narrative:
Am On XXXX XXXX Fix Income. I Was Going To Pay Them {$50.00} A month they Will Not Take It.That All I can Pay. Wanted To By check They Want My Bank Acc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief