vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
I am filing this complaint because the credit bureaus are still reporting an account that was already deleted by the furnisher, and they are also claiming that my disputes did not come from me. This is not true. I personally submitted my disputes, and after they claimed the dispute wasnt mine, I am sending my identity notarized to make sure there is no confusion. 

The account in question is XXXX. I have written proof from the furnisher stating : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Even after that deletion notice, TransUnion and XXXX  continue reporting the account, including a 30-day late payment and other information that is no longer valid. This is inaccurate and extremely frustrating because I have been trying to fix my credit the right way for months now. 

I believe the credit bureaus are violating several sections of the Fair Credit Reporting Act by continuing to report this account after deletion, ignoring my disputes, and failing to update or correct the information. Their previous response to my CFPB complaint said the dispute wasnt from me, which is false, and I feel like they are using that as an excuse to avoid properly reinvestigating my claim.

I am not a professional, but I have been studying the FCRA and Metro 2 guidelines because I am trying to understand my rights. From what I can see, the bureaus are violating : FCRA 607 ( b ) not maintaining maximum possible accuracy FCRA 611 ( a ) ( 1 ) not conducting a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) failing to delete inaccurate information after reinvestigation FCRA 611 ( a ) ( 5 ) ( B ) reinserting deleted information without notifying me FCRA 623 ( a ) ( 1 ) ( A ) the furnisher should not report information they know is inaccurate FCRA 623 ( a ) ( 2 ) failure to update and correct information The bureaus responses do not match the documents I have, and it feels like my disputes are being ignored. I am doing everything I can to verify my identity and follow the law, but I keep getting pushed in circles.

I am attaching : My notarized identity verification My ID and utility bill The furnishers deletion letter Screenshots of the account still reporting The credit bureaus responses What would I like the company to do?

I want the credit bureaus to : Permanently delete the XXXX account and all associated payment history, since the furnisher already deleted it.

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 2025-11-18 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 recently reviewed my credit report and notice i had fraudulents account on there i would like for you to remove these account

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 2025-11-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX changed the balance, past-due amount, and as of dates, but kept the status updated date at XX/XX/XXXX. 
This is impossible unlessXX/XX/XXXX updated data on their own. 
A balance change requires a new furnisher update. That did not happen. 
The account shows illegal re-aging they increased the past-due amount AFTER the charge-off, violating CFPB and FCRA accuracy rules. 
I sent a validation request on XX/XX/XXXX ( received XX/XX/XXXX ). 
The furnisher responded 57 days later, FAR outside FCRA reinvestigation timelines. 
This is a violation of FCRA 1681s-2 ( b ). 
XX/XX/XXXX then opened a NEW dispute on XX/XX/XXXX after receiving my final notice, which indicates they did not complete the first investigation correctly. This account is inaccurate, contradictory, and unverified. XX/XX/XXXX failed its duty under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Requested Resolution : Permanent deletion of the Freeway Funding account from myXX/XX/XXXXXXXX andXX/XX/XXXX credit file due to FCRA violations and failure to provide verified, consistent information.

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 2025-11-18 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion regarding the account reported by XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ). I have disputed this account for over a year and have attached copies of the dispute letters previously mailed to all three credit bureaus. Despite providing detailed documentation of multiple inaccuracies, the bureaus have failed to correct, update, or delete the false information as required under the FCRA and Metro-2 guidelines. * * This account contains numerous reporting inconsistencies across all three credit bureaus, including but not limited to : Different Date Opened across bureaus ( Equifax : XX/XX/XXXX ; Experian : XX/XX/XXXX ; TransUnion : XX/XX/XXXX ) Different balances being reported ( Equifax : {$930.00} ; Experian : {$930.00} ; TransUnion : {$930.00} ) Different Date Last Active ( Equifax : XX/XX/XXXX ; Experian : XX/XX/XXXX ; TransUnion : XX/XX/XXXX ) Inconsistent last-reported dates Incorrect payment status reporting as both Collection and Charge-off simultaneously Inconsistent and unverifiable account codes and data fields These discrepancies violate multiple sections of the Fair Credit Reporting Act, including : FCRA 602 Failure to ensure maximum possible accuracy FCRA 607 ( b ) Failure to maintain reasonable procedures to assure accuracy FCRA 609 ( a ) ( 1 ) Failure to provide the original documentation validating this account FCRA 611 Failure to conduct a lawful and reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Duty to delete information that can not be verified FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably should be known to be inaccurate FCRA 623 ( b ) Failure by the furnisher to conduct a proper investigation after receiving notice Metro-2 standards Inconsistent and contradictory reporting across all bureaus After more than a year of disputes, no bureau has corrected or removed the inaccurate information, despite being provided clear proof that the reporting is incomplete, inconsistent, and unverifiable. Under federal law, if the furnisher can not provide original, signed, legally compliant documentation proving the accuracy of all reporting fields, the bureaus MUST delete the account entirely.

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 2025-11-18 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion regarding the account reported by XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ). I have disputed this account for over a year and have attached copies of the dispute letters previously mailed to all three credit bureaus. Despite providing detailed documentation of multiple inaccuracies, the bureaus have failed to correct, update, or delete the false information as required under the FCRA and Metro-2 guidelines. * * This account contains numerous reporting inconsistencies across all three credit bureaus, including but not limited to : Different Date Opened across bureaus ( Equifax : XX/XX/XXXX ; Experian : XX/XX/XXXX ; TransUnion : XX/XX/XXXX ) Different balances being reported ( Equifax : {$930.00} ; Experian : {$930.00} ; TransUnion : {$930.00} ) Different Date Last Active ( Equifax : XX/XX/XXXX ; Experian : XX/XX/XXXX ; TransUnion : XX/XX/XXXX ) Inconsistent last-reported dates Incorrect payment status reporting as both Collection and Charge-off simultaneously Inconsistent and unverifiable account codes and data fields These discrepancies violate multiple sections of the Fair Credit Reporting Act, including : FCRA 602 Failure to ensure maximum possible accuracy FCRA 607 ( b ) Failure to maintain reasonable procedures to assure accuracy FCRA 609 ( a ) ( 1 ) Failure to provide the original documentation validating this account FCRA 611 Failure to conduct a lawful and reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Duty to delete information that can not be verified FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably should be known to be inaccurate FCRA 623 ( b ) Failure by the furnisher to conduct a proper investigation after receiving notice Metro-2 standards Inconsistent and contradictory reporting across all bureaus After more than a year of disputes, no bureau has corrected or removed the inaccurate information, despite being provided clear proof that the reporting is incomplete, inconsistent, and unverifiable. Under federal law, if the furnisher can not provide original, signed, legally compliant documentation proving the accuracy of all reporting fields, the bureaus MUST delete the account entirely.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Graystone Funding Company, LLC
State: NJ

Complaint narrative:
XXXX'A number called XXXX XXXX XXXX  asked for me by name and address i ask what this was in reference to she said a civil matter from graystone. I called that number she gave which is XXXX XXXX XXXX with a reference number. I called number they knew my name and last 4 digits of socail i asked where the debt was from and the gentleman was very curt saying he will see me in court and wouldnt say anything except it was from XXXX XXXX  after i laughed he said once again ill see you in court.. ( XXXX XXXX XXXX does not cone up on computer). I am concern that whoever company or scam this is has my  security and address..this is fraudulent person or persons..'

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account ( Account No. XXXX ) as Open on my credit report. This account was purchased from XXXX XXXX XXXX  XXXX. and is classified as a Debt Buyers Account. The tradeline is listed under the banking classification, which is misleading and materially inaccurate. 
The account shows a date opened of XX/XX/year>, and a first delinquency date of XX/XX/XXXX, XXXX impossible sequence. This inconsistency raises serious concerns about the accuracy and legality of the reporting.

Violations Alleged : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FDCPA 1692e ( 8 ) : Misleading representation of credit information.

FCRA 1681i : Failure to properly reinvestigate disputed information.

FDCPA 1692g : Failure to validate the debt upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial
State: OH

Complaint narrative:
XX/XX/XXXX I did find something about a loan.. but then after doing my research on XXXX, they showed me I would have to pay double or even TRIPLE the amount with the interest accrued .. so I decided to not do it but SOMEHOW they got access to my banking information and I closed that account after I backed out of it, meaning they gave me the loan. And now they called my entire family, on top of my familys business which is technically illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing this complaint because my credit report contains multiple inaccurate, misleading, and unverifiable accounts and inquiries that violate several provisions of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are being reported as charge-offs with {$0.00} balances, which is inherently misleading, as these accounts have already been satisfied, settled, or forgiven, yet the bureaus continue to report them as derogatory items, in violation of FCRA 602 ( a ) and 607 ( b ), which require maximum possible accuracy, and potentially FCRA 605 ( a ), which prohibits continued reporting of obsolete or non-collectible information. Additionally, one of my XXXX XXXX XXXX accounts is still reporting a balance of {$5600.00} despite the creditor issuing a Form 1099-C for cancellation of debt ; therefore, continuing to list this as an active charge-off violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor should knowto be inaccurate. My credit report also contains numerous hard inquiries from entities including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no entity is allowed to access a consumers report without explicit authorization or a legitimate business reason ; therefore, any inquiry that can not be verified as permissible must be removed. Under FCRA 611 ( a ) ( 1 ) ( A ),

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Was trying to purchase XXXX game tickets from a so called season ticket holder on a verified XXXX advertisement. Turns out it was a scam. I paid her through Chime and I am out {$300.00}. I have the entire conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief