vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding multiple inaccurate and inconsistent items being reported on my credit file by the credit reporting agencies. The following accounts reflect errors that I have already attempted to dispute directly, but they remain unresolved : XXXX XXXX XXXXXXXX ( XXXX ) : Reporting four separate XXXX late payments in XXXX ( XXXX, XXXX, XXXX, and XXXX ), which I believe are inaccurate or improperly aged. 

XXXX XXXXXXXX ( XXXX ) : Opened in XX/XX/XXXX, yet shows 120 days late within only a few monthsthis reflects illogical delinquency progression and may violate FCRA or XXXX XXXX standards. 

XXXX XXXX ( XXXX ) : Reports XXXX lates across XXXX months. I request documentation and reinvestigation. 

XXXX XXXX XXXX ( XXXX ) : Showing XXXX late payments which I contest as inaccurate or unsupported. 

XXXX XXXX XXXX ( XXXX ) : Shows {$0.00} balance and no active status but remains on my report unnecessarily. 

XXXX XXXX ( XXXX ) : Charged off with inconsistent payment reporting. I request validation and investigation. 

XXXX ( XXXX ) : Charged off with disputed balance and questionable timeline. 

XXXX XXXX XXXX - XXXX ( XXXX ) : Paid collection still reporting negatively despite {$0.00} balance. 

I am requesting that the credit bureaus be required to provide verification of all information furnished, remove or correct any unverifiable or outdated data, and confirm compliance with the Fair Credit Reporting Act and Metro 2 reporting standards.

These inaccurate entries are harming my credit profile, and I request the CFPB to ensure a proper reinvestigation is completed and that my rights under the FCRA are protected.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial auto fraudulently put an inaccurate day of last payment received as of XX/XX/XXXX. They reported this information to Transunion and it decreased my XXXX XXXX by XXXX points. They were mad because I was disputed there practices on Transunion. Suv XXXX XXXX XXXX XXXX XXXX XXXX was surrendered last year XXXX due to it no longer being driveable. The turbo charge, alternator, radiator burst leaking antifreeze, there were XXXX market seals on the hoses that starting leaking oil all over the engine. It was included in my bankrupcty but kept it until it stop being functionable. Been going back and forth with them. I want them to remove the fake date from my credit report. The suv was surrendered in XX/XX/XXXX where when the last payment was in XXXX. I am really not sure where they came up with this date. The suv was towed to a repair shop for repair estimate which totalled {$17000.00}. I have invoice. I also have a copy of my Equifax report clearly showing the last payment was last year. I want it corrected. They are a fraudulent company and I also reported them to the BBB. When they put that date it changed my payment history on Transunion where I couldn't print the correct report. I was able to obtain it from Equifax. On the BBB several consumers had similar complaints about there fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and XXXX directly submitting this complaint. Theres no third party involved. 
Ive been trying to buy a home, but incorrect credit report entries are in the way. Ive tried to stay patient, but the lack of updates has been disappointing. 
This issue has created stress and delayed important goals. Please act quickly to correct it after reviewing my letters.

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 2025-06-12 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: NC

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-12 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-12 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: MI

Complaint narrative:
This letter is to formally request the removal of all negative information from my credit report due to my active military service. I was a XXXX XXXX in the XXXX XXXX XXXX XXXX United States XXXX XXXX and was on XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the collection account your company is reporting under account number XXXX, allegedly originating from XXXX XXXX XXXX, with a balance of {$760.00}. According to my credit report, this account was opened on XX/XX/XXXX, and most recently updated as of XX/XX/XXXX. 
I am requesting a full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a reinvestigation under the Fair Credit Reporting Act ( FCRA ). I do not recognize this account and am unaware of any obligation owed to XXXX XXXX XXXX. 
Furthermore, I find it highly concerning that XXXX XXXX XXXX does not appear anywhere on my credit report, despite this being labeled as a credit card collection. If this were a legitimate debt, I would reasonably expect the original creditor to have reported a charge-off or delinquency. The absence of any record from XXXX raises serious questions about the legitimacy of this account and your right to report or collect on it. 
Accordingly, I am requesting the following documentation : 1. A copy of the original signed agreement or contract that clearly shows I authorized and opened this account.

2. A complete itemized statement explaining how the balance of {$760.00} was calculated.

3. Full documentation showing the legal transfer of ownership or assignment of the debt from the original creditor to your company.

4. Written confirmation that you will cease all credit reporting related to this account unless you can provide full validation. 
If you are unable to provide the above documentation within the XXXX period outlined by federal law, I request that you immediately delete this account from all credit reporting agencies to which you have furnished it. 
All further communications regarding this matter must be conducted in writing only. I have enclosed a copy of my government-issued ID and proof of address for identity verification. I expect a written response to this request within 30 days, as required by law. 
Sincerely, 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 2025-06-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I opened a new personal checking account at Citibank located at XXXX XXXX XXXX, XXXX, NY XXXX XXXX I have deposited funds into the account and am waiting for all funds to be available and cleared before attempting to use it. 

Today, I tried to send money to my friend through the online customer service, but it was unsuccessful. When I asked the customer service representative for the reason, they informed me that the system was down and advised me to visit a bank branch to complete the transaction. 

In the afternoon, I personally went to the bank where I opened the account. It took nearly XXXX hours in the bank. The bank agent help me open another savings account, into which I deposited {$100000.00}. After completing all the procedures, I attempted to withdraw money at the counter, but the teller informed me that withdrawals were not allowed and immediately restricted my account, instructing me to call the back-end team for resolution. 

After returning home, I called the back-end customer service, and they informed me that they had decided to terminate and end all banking relationships with me, close all my accounts, and instructed me to visit any Citibank branch to pickup a Citibank cashier 's check for the remaining balance in my account. The customer service representative has already recorded this matter in their system.

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 2025-06-12 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX. XXXX 2000, XXXX, PA XXXX. 

Experian, XXXX. XXXX XXXX, XXXX, TX XXXX. 

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. 

Dear : Equifax XXXX XXXX XXXX, Transunion XXXX, and Experian I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of the rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as require by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These outlined by the CFPB, included. 

Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concern that my dispute may be mishandle in a similar manner.

Please review the inaccurate information being reported.

1. Late payments 2. How long its been on my report.

3. Personal information 4. Amount is owe on these debt after being write off/Charge off/or closed account that are still being reported to my credit.

Under the FCRA, you are require to : Conduct a proper investigation into my dispute. 
inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written conformation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX time frame. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX. XXXX 2000, XXXX, PA XXXX. 

Experian, XXXX. XXXX XXXX, XXXX, TX XXXX. 

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. 

Dear : Equifax XXXX XXXX XXXX, Transunion XXXX, and Experian I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of the rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as require by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These outlined by the CFPB, included. 

Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concern that my dispute may be mishandle in a similar manner.

Please review the inaccurate information being reported.

1. Late payments 2. How long its been on my report.

3. Personal information 4. Amount is owe on these debt after being write off/Charge off/or closed account that are still being reported to my credit.

Under the FCRA, you are require to : Conduct a proper investigation into my dispute. 
inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written conformation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX time frame. 

Sincerely, 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 2025-06-12 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year>2025 To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Experian, Equifax, and TransUnion continued refusal to remove inaccurate debt information from my credit report, despite multiple disputes. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable investigation and remove unverifiable or inaccurate information within 30 days.

The debt in question has not been validated by the furnisher or properly investigated by Experian, Equifax, TransUnion.This is a direct violation of my rights under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, which requires debt validation upon request.

I am requesting the CFPB to intervene and have this unverifiable and inaccurate debt permanently removed from my Experian, Equifax, TransUnion credit file. Please investigate Experian, Equifax, TransUnion non-compliance and assist in enforcing my consumer rights and monetary damages 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 2025-06-12 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: NJ

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 

XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX & XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation